Terms & Conditions

BUSINESS NET PAY AGREEMENT


This is your Business Net Pay Agreement with United Financial Credit Union.

You may use United Financial Credit Union's bill paying service, Business Net Pay,
to make payments from your designated checking account to the Payees you
choose in accordance with this Agreement.
The terms and conditions of this Agreement are in addition to all other Account Agreements,
Disclosures, and other documents in effect from time to time governing your account.
When you use, or permit Authorized Users to use, the Services, you agree to be bound the
terms of this Agreement. By your initial use of the Service, you acknowledge that you have
read, understand, and agree to the terms in this Agreement.




ACCESSING THE SERVICE

When you complete your bill paying enrollment form, you must select a User I.D. and a
Personal Identification Number. You must protect the User ID and PIN from being
used by people you do not intend to have access to the Service.

Each time you access the Service, you will be asked to enter your User I.D. and PIN. Three
incorrect login attempts will cause the Service account to be locked. You will need to
contact one of our Member Service Representatives, provide sufficient information to prove
your identity, and request that we remove the lock on the Service account.


HOW TO SET UP PAYEES AND PAYMENTS

You may add a Payee or schedule new payments to a Payee by accessing the Service and
entering the appropriate payment information. You can make most other additions,
deletions, or changes by using the Service. If you have any difficulties, contact a member
service representative. You may pay any legal Payee within the United States, its U.S.
territories, and APO addresses. We reserve the right to refuse the designation of a Payee
for any reason. It is unlawful to use the Service to transfer money to any person or
organization listed in the Office of Foreign Asset Specially Designated Nationals
list. We are not responsible for payments that cannot be made due to incomplete, incorrect,
or outdated information or due to other legal restrictions.

Payments will be made according to the information you enter. We are not responsible for
payments made to an incorrect party due to incorrect or outdated information that you
entered into the Service.


THE BILL PAYING PROCESS

Single Payments - Single payments will be processed on the business days that you
designate as the payments process date, provided the payment is submitted prior to the
daily cut-off time on that date.

A single payment submitted after the daily cut-off time on the designated process date will
be processed on the next Business Day. If you designate a payment process date that is
not a Business Day, the payment will be processed on the first Business Day following the
designated process date.

Recurring Payments - When a recurring payment is processed, the next payment is
automatically scheduled by the Service. A process date is automatically calculated for the
next payment, based upon your selected frequency settings for the payment. If the
calculated process date is a not a Business Day, it is adjusted based upon the following
rules:



Note: If a recurring payment is scheduled for the 29th, 30th, or 31st day of each month and
that day does not exist in a particular month, the payment will be processed on the last
calendar day of that month, subject to the Business Day rules noted above.

The Service will calculate an Estimated Arrival Date for your payment. This is only an
estimate. Please allow ample time for your payments to reach your Payees.

You may change or cancel a payment anytime prior to the cutoff time on the scheduled
process date.


AVAILABLE FUNDS

You agree to have funds available on deposit in your designated account sufficient to cover
all your scheduled payments and other obligations.

We reserve the right, without liability, to reject or reverse a bill payment if you fail to
comply with the above requirement or any other term of this Agreement.

If you do not have sufficient funds in the designated account and we do not reverse or
reject a payment, you agree to immediately pay us for the overdraft plus any related fees.

You further agree that we, at our sole option, may charge any of your other accounts with
us to cover any payment obligations related to the Service, without prior notice to you.


LIABILITY

You are solely responsible for the security of your PIN. Anyone that has access to the PIN
will be considered by us to be an Authorized User.

You are liable for all transactions you or an Authorized User makes, even if the Authorized
User exceeds his authority.

If you want to terminate a persons authority, you must contact one of our Member Service
Representatives, provide proper identification, and arrange to change your PIN.

You are responsible for any bill payment request you make, even if the request contains an
error or is a duplicate of another bill payment request.

We are not responsible for a bill payment that is not properly scheduled or paid because
you did not properly follow the instructions for scheduling and paying a bill payment. We
are not liable for any failure to process a payment. If you learn that you have not received
credit from a Payee for a bill payment, you must promptly notify one of our Member Service
Representatives.

We are not responsible for your acts or omissions or those of any other person or entity,
including, without limitation, the Service vendor or any transmission or communications
facility, and no such party shall be deemed our agent.

In any event, we are not liable for any special, consequential, incidental, or punitive losses,
damages, or expenses you incur in connection with this Agreement or the Service, even if
we know of the possibility of such damages.

We are not liable for any act, failure to act, or delay in acting if it is caused, in whole or in
part, by any cause beyond our reasonable control.

You understand and agree electronically initiated Bill Payment transactions involving your
Credit Union business deposit accounts are not subject to any consumer protections under
the Electronic Funds Transfer Act.


STOP PAYMENT REQUESTS

Our ability to process a stop payment request will depend on the payment method and
whether or not a check has cleared. We may also not have a reasonable opportunity to act
on any stop payment request after a payment has been processed through the Service. If
you desire to stop any payment that has already been processed through the Service, you
must contact one of our Member Service Representatives. Although we will make every
effort to accommodate your request, we will have no liability for failing to do so. We may
also require you to present your request in writing within fourteen (14) days. The charge
for each stop payment request will be the charge for such service as set out in our current
fee schedule.


AMENDMENT OR TERMINATION

We have the right to change this Agreement at any time by notice mailed to you at the last
address shown for your account in our records, by e-mail to the e-mail address you last
provided to us, by posting notice in our branches or on our website, or as otherwise
permitted by law. Your consent to the terms of this Agreement and any changes is
demonstrated by your continued use of the Service.

We have the right to terminate this Agreement at any time.

You may terminate this Agreement by providing written notice to us. You are responsible to
cancel any scheduled payment prior to your termination. We are not responsible for any
scheduled payment made before we have a reasonable opportunity to act on your
termination notice.

You are obligated for any payments made by us on your behalf, even after the termination
of this Agreement.


SERVICE FEES

The fee for the Service is $5.95 per month and $.50 per transaction unless you have Business Plus Checking account.

Charges for additional services and other items are listed on our current fee schedule which
is available on our website or by contacting one of our Member Service Representatives.
You authorize us to debit your account(s) for any fees for any additional services you
request. There will be no charge for any item needed to correct an error made by us.


MISCELLANEOUS

Severability. In the event that any portion of this Agreement is found to be invalid or
unenforceable by a court, the remainder of this Agreement shall not be invalid or
unenforceable and will continue in full force and effect. The invalid or unenforceable
provision may be modified by the court, if possible, to the extent necessary to make the
provision enforceable and such modification shall not affect any other provision of this
Agreement. All headings are intended for reference only and are not to be construed as
part of the Agreement.

Enforcement. You agree to be liable to us for any loss or expense that we incur because of
any dispute involving your accounts or the Services. You authorize us to deduct any loss or
expense from your account without prior notice to you. This Agreement shall be governed
by and construed under the laws of the state of Michigan. In the event either party brings a
legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed
under this Agreement, the prevailing party shall be entitled, subject to Michigan law, to
payment by the other party of its reasonable attorney’s fees and costs, including fees on
any appeal, bankruptcy proceedings, and any post-judgment collection actions, if
applicable.