Terms & Conditions

BUSINESS BILL PAYMENT AGREEMENT

This Business Bill Payment Agreement ("Agreement") governs the online Bill Payment Service ("Service") that Heritage Bank ("Bank", "us," "we," or "our") makes available to its customers ("you" or "yours") who have already enrolled in the Bank's business online banking service. By this reference, this Agreement is incorporated into the Commercial Internet Banking Agreement that exists between you and the Bank for the Internet Banking Service. To the extent that this Agreement is inconsistent with the provisions of the Commercial Internet Banking Agreement, this Agreement (as amended from time to time) shall control, but only to the extent necessary to resolve such conflict. By signing below and/or using the Service, you agree to be bound to the terms and conditions herein.

1. Consent to Electronic Disclosures. For certain consumer transactions, we are required to disclose certain information in writing. With prior consent, however, we may instead provide that information electronically. We also need general consent to use electronic records for certain transactions in providing the Service to consumers and business customers.

By accepting this Agreement, you hereby: (a) consent to receiving notices and other information (including this Agreement and disclosures that are otherwise required to be provided in writing, and (b) consent to using electronic records and communications to you in connection with the Service. We require that consent and confirmation as a condition of providing the Service to you. Your consent extends to each account that you now or hereafter enroll in the Service. You may at any time withdraw your consent to electronic delivery instead of paper by calling our Customer Service Department at 866-209-7913, Monday through Friday, 4:30 AM - 11:00 PM, Pacific Time, but we may then terminate your ongoing use of this Service (and not process any previously-scheduled future payments).

Using this Service requires that you have internet access, maintain and provide us with your valid email address, and use a commonly accepted and recent version of an HTML 4.0 compliant internet browser that supports 128-bit SSL encryption. You hereby confirm to us that you have verified your hardware, software and ability to view, and to print or electronically save, such electronic notices and disclosures (including emails and PDF documents). If you do not consent, do not have the ability to print or save notices and disclosures, or do not have the required internet browser, you must not enroll in the Service.

Permissible electronic delivery includes (i) by email to any address you have provided for use with this Service, including PDF documents attached to email, (ii) by display on your screen during your online Service activity, (iii) by message printed on the periodic statement for your Designated Account if you have agreed to receive that statement electronically, or (iv) any other electronic means that you have authorized or hereafter authorize pursuant to your online banking services agreement. Electronic disclosures include, without limitation, prior notice to you of preauthorized debits that vary in amount to your enrolled accounts. You are responsible for advising us of any change in the email and other electronic addresses you use for this Service.

You should print and save a copy of the foregoing Consent and the following Agreement for your records. If you do not agree to all of the above terms concerning electronic delivery of disclosures and notices, then do not accept this Agreement.

2. Definitions. The following definitions apply in this Agreement:

"Authorized User" means the employee(s) that you authorize as an individual authorized to have full rights to conduct the activities outlined in Section 16 of this Agreement on your behalf. By appointing one or more Authorized Users you agree to the terms and conditions of doing so as outlined in Section 16 of this Agreement.

"Biller" is a person or entity you instruct us to pay via the Service. "Biller" includes but it not limited to an "e-Biller".

"Business Day" means every Monday through Friday, excluding bank holidays.

"Cut-Off Time" means the time of day that Payments to be processed that day shall be processed, and after which time the earliest possible Due Date or Deliver By Date shall be calculated from the next Business Day. The Cut-Off Time is 1:00 pm PST and may be changed by the Bank at any time and without notice.

"Due Date" or "Deliver By Date" or "Delivery Date" means the Business Day on which you schedule the Payment to be delivered to your Payee, unless this date falls on a non-Business Day in which case it shall be the immediately preceding or following Business Day. It is your responsibility to ensure that your Payments are received by your Payees on time.

"Designated Account" means the checking or similar account that you own at the Bank and from which the Bank may debit or otherwise collect the funds necessary to remit the Schedule Payment to the corresponding Payee, per the Payment Instructions.

"e-Bill" is an electronic invoice or other electronic statement for payment that an e-Biller may present to you via the Service.

"e-Biller" is a Biller that presents e-Bills to you via the Service either at your request or on a trial basis under the terms of the Service's e-Bill feature.

"Payee" means the individual, business or other entity to which you intend to send a Payment through the Service and to whom you authorize the Bank to remit Payments on your behalf through the Service.

"Payment" means the specific single instance of a One-Time Payment or a specific instance of a Recurring Payment, as the case may be. All Payments shall be made in U.S. Dollars.

"Payment Amount" means the monetary figure you specify in a Scheduled Payment, including the regular amount and the final amount of a Recurring Payment series, that the Service shall remit to the Payee.

"Payment Date" means the Business Day on which you schedule the Payment to be debited from your Designated Account, unless this date falls on a non-Business Day in which case it shall be the immediately preceding or following Business Day. In any case, it is the date on which sufficient funds must exist in the Designated Account.

"Payment Instructions" means the information that you or your Authorized User provides to instruct the Bank to initiate a Payment to a Payee (such as, but not limited to, Payee name, Payee account number, and scheduled Payment Date). By providing this information you authorize us to follow the information entered and to make Payment(s) to the Payee(s) you designate.

"Recurring Payment" means a series of Payments delivered to the Payee at regular intervals per your Payment Instructions. Recurring Payments shall continue until you cancel them or until the maximum number of Payments and/or final Payment Date specified in the Payment Instructions is reached.

"Payee" is the individual, business, or other entity to which you intend to send a Payment through the Service and to whom you authorize the Bank to remit Payments on your behalf through the Service.

"Single Payment" means a one-time Payment delivered to the Payee per your Payment Instructions.

3. The Service. You may use the Service to direct the Bank to make Payments from your Designated Account to the Payees you choose in accordance with this Agreement.

4. Setting Up and Maintaining Payees. To begin using the Service you or your Authorized User(s) will first need to establish at least one Payee. Payees may be added, modified or deleted as necessary. Unless otherwise indicated, it is your responsibility to manage your Payees and maintain accurate Payee information, such as, but not limited to, the address to which the Payee specifies Payments are to be delivered, your account number with the Payee, the name on your account with the Payee, the Payee's phone number and the name of account holder at the Payee. Payees must reside or exist within the United States of America, its territories or commonwealths. The Bank reserves the right to refuse the designation of a Payee, or remove a Payee, for any reason.

5. Setting Up Payments. To schedule Payments you or your Authorized User(s) may schedule a Single Payment or Recurring Payments. It is your responsibility to cancel, skip, reschedule or revise a Payment in accordance with the Payee's instructions to you, as needed to ensure sufficient available funds in the corresponding Designated Account or under circumstances where the Payee may return the Payment due to any reason outside of the Bank's control. The Bank is not responsible for payments that cannot be made due to incomplete, incorrect, or outdated information. The Bank reserves the right to refuse or cancel a Payment or to decline a Payment Instruction for any reason and with no liability to you.

The earliest possible Due Date or Deliver By Date for each Payee will be designated within the Service when you are scheduling the payment. Therefore, the Service will not permit you to select a Due Date or Deliver By Date earlier than the earliest possible dates displayed. The earliest possible Due Date or Deliver by Date is determined based on the number of Business Days required to deliver a Payment to the Payee, which is primarily affected by whether or not the Payee has agreed to accept remittance of Payments electronically (typically one or two business days) or requires Payments to be delivered by check (typically four or five Business Days). A Payee's location or policies for posting and crediting payments may require additional Business Days.

You should carefully consider factors such as the Payee's due date for payment, grace period, whether the Payee's due date for payment falls on a non-Business Day and other factors when scheduling a Payment to avoid late payments and late fees. You must allow the necessary number of Business Days prior to the Payee's due date for each Payment, including each Payment of a Recurring Payment series. Some businesses take longer to post Payments than others. You should consider allowing additional time for the initial Payment to a Payee through the Service in order to gauge the appropriate Due Date or Deliver By Date, and determine whether to allow an additional one or two Business Days to avoid incurring any late fee charged by the Payee. It is your responsibility to schedule Payments appropriately and in accordance with the Payee's requirements. The Bank shall not be responsible for late payments, nor reimburse you for late fees, for any Payment delivered in accordance with the Payment Instructions, or as a result of a Payee's payment processing policies, or any other circumstance outside of the Bank's control.

6. Prohibited Payments. Payments to Payees outside the United States of America or its territories or commonwealths, are prohibited.

7. Payment Limits. The Bank reserves the right to limit the number or dollar amount of any Payment or other transaction initiated using the Service at any time. We can limit number or dollar amount of transactions on a per-customer, per-transaction, daily, weekly, monthly, or other criteria or timeframe as we see fit. We may change, amend, establish, or abolish limits at any time at our discretion.

8. Payment Processing. The Service will process Payments in accordance with the Payment Instructions you or your Authorized User(s) provide. The Service will not process Payments on weekends or bank holidays. The Service will debit your Designated Account or issue a draft against your Designated Account, and deliver those funds to the designated Payee on your behalf such that the funds arrive as close to the scheduled Due Date or Delivery By Date as is reasonably practicable.

A Single Payment will be processed on the Business Day that you designate as the Payment Date, provided the payment is submitted prior to the daily Cut-Off Time. A Single Payment submitted after the Cut-Off Time on the Payment Date will be processed on the next Business Day. If you designate a non-Business Day as the Payment Date, the payment will be processed on the first Business Day following the Payment Date.

When a Recurring Payment is processed, it is automatically rescheduled by the system. Based upon your selected frequency settings for the payment, a Payment Date is calculated for the next occurrence of the payment. If the calculated Payment Date is a non-Business Day, it is adjusted based upon the following rules:
If the Recurring Payment's "Pay Before" option is selected, the Payment Date for the new occurrence of the Payment is adjusted to the first Business Day prior to the calculated Payment Date.
If the Recurring Payment's "Pay After" option is selected, the Payment Date for the new occurrence of the Payment is adjusted to the first Business Day after the calculated Payment Date.
If your frequency settings for the Recurring Payment specify the 29th, 30th, or 31st as a particular date of the month for the Payment Date and that day does not exist in the month of the calculated Payment Date, then the last calendar Business Day of that month will be used as the Payment Date.

Numerous business and technical requirements determine if a Payee can accept Payments electronically, but in all cases Payments can be remitted by check. The Bank shall have sole discretion to determine the appropriate remittance method. In order to process Payments efficiently and effectively, or otherwise comply with Payee's remittance requirements, the Bank reserves the right to change or update Payee data, or alter the method of Payment remittance. The Bank shall not be responsible for late payments, nor reimburse you for late fees, due to: (a) U.S. postal deliver issues; (b) electronic remittance network issues; (c) your Payee's payment processing procedures; (d) instances where the financial risk associated with the Payment requires check remittance instead of electronic remittance or additional Business Days to ensure sufficient funds in the Designated Account are available; or (e) other circumstances beyond the Bank's control.

9. E-Bill Feature. The Service includes a feature that electronically presents you with e-Bills from selected Billers. e-Bills may not be available from all of your Billers. Our e-Bill feature is provided as a convenience only, and you remain solely responsible for contacting your Billers directly if you do not receive their statements.

9.1 Presentment of e-Bills. You will receive e-Bills from a company only if both: (a) you have designated it in the Service as one of your Billers, and (b) it has arranged with our third-party service provider to deliver e-Bills. The Service may then present you with e-Bills from that e-Biller if either: (1) you affirmatively elect online within the Service to receive e-Bills from that e-Biller, or (2) that e-Biller chooses to send you e-Bills on a temporary "trials basis." In either case, you can elect online within the Service to stop receiving e-Bills from that e-Biller. Electing to receive e-Bills, automatically receiving e-Bills, and declining further elected e-Bills all occur on an individual e-Biller basis. When affirmatively electing to receive e-Bills from a particular E-Biller, you may be presented with terms from that e-Biller for your acceptance (but we are not a party to that e-Biller's terms).

9.2 Sharing Information with Billers. You authorize the Service to share identifying personal information about you (such as name, address, telephone number, Biller account number) with companies that you have identified as your Billers and which the Service has identified as offering e-Bills for purposes of matching your identity on the Service's records and the Biller's records to activate your affirmative request for e-Bills.

9.3 Information Held by Billers. The Service is unable to update or change any personal information held by your Biller in its own records (e.g., name, address, phone numbers and e-mail addresses). Any changes will require you to contact the Biller directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Biller sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill. The Service may, at the request of the Biller, provide to the Biller your e-mail address, service address, or other data specifically requested by Biller for purposes of the Biller matching your identity against its records or informing you about the Service and/or bill information.

9.4 Activation. The Service may notify the e-Biller of your request to receive electronic billing information. The presentment of your first electronic bill may vary from e-Biller to e-Biller and may take up to sixty (60) days, depending on its billing cycle. While your e-Bill feature is being activated, it is your responsibility to keep your accounts current. Each e-Biller reserves the right to accept or deny your request to receive e-Bills.

9.5 Authorization to Obtain Bill Data. You authorize the Service to obtain bill data from your Billers that you have requested to send you e-Bills. For some Billers, you will be asked to provide the Service with your user name and password for that Biller. By providing the Service with such information, you authorize the Service to use it to obtain your bill data.

9.6 Notification. We will use commercially reasonable efforts to present all of your e-Bills promptly. In addition to notification within the Service, the Service may send an e-mail notification to the e-mail address listed for your Service account. It is your sole responsibility to ensure that this information is accurate. If you do not receive notification, it is your responsibility to periodically logon to the Service and check on the delivery of new e-Bills. The time for notification may vary from e-Biller to e-Biller. You are responsible for ensuring timely payment of all bills.

9.7 Cancellation of Electronic Bill Notification. The e-Biller reserves the right to cancel the presentment of e-Bills at any time. You may cancel electronic bill presentment at any time. The timeframe for implementing cancellation of your electronic bill presentment may vary from e-Biller to e-Biller. It may take up to sixty (60) days, depending on the billing cycle of each e-Biller. The Service will notify your e-Biller(s) as to the change in status of your account and it is your sole responsibility to make arrangements for an alternative form of bill delivery. The Service will not be responsible for presenting any e-Bills that are already in process at the time of cancellation.

9.8 Non-Delivery of e-Bills. You agree to hold the Service harmless should the e-Biller fail to deliver your e-Bill(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the e-Biller directly.

9.9 Accuracy and Dispute of an e-Bill. The Service is not responsible for the accuracy of your e-Bill(s). The Service is only responsible for presenting the information it receives from the e-Biller. Any discrepancies or disputes regarding the accuracy of your e-Bill summary or detail must be addressed and resolved directly with the e-Biller.

10. Your Authorization. When you or your Authorized User(s) enter Payment Instructions to schedule a Payment, you expressly authorized the Bank to withdraw from your Designated Account the Payment Amount and to remit those funds to the designated Payee on your behalf, and additionally, to debit any applicable Service related fees.

You further authorize the Bank to credit your Designated Account for any payment returned from, or undeliverable to, the Payee. Additionally, you certify that the Designated Account is an account from which you are authorized to make payments and incur debits.

You agree to have available and collected funds on deposit in the Designated Account in amounts sufficient to process each Payment as required by you or your Authorized User(s), as well as any other payment obligations you have to the Bank. The Bank reserves the right, without liability, to reject or reverse a Payment if you or your Authorized User(s) fail to comply with this requirement or any other terms of this Agreement. If you do not have sufficient funds available in the Designated Account, and the Bank has not exercised its right to reverse or reject a Payment, you agree to pay for such Payment obligations on demand. You further agree that the Bank, at its option, may charge any of your accounts at the Bank to cover such Payment obligations.

You authorize the Bank to contact your Payees to request appropriate adjustments consistent with the Payment Instructions and/or to stop payment on any draft issued against your Designated Account in connection with the Service in the unlikely event that the Service remits funds incorrectly to any of your Payees, and/or to withdraw funds from your Designated Account in such event if you otherwise receive the benefit of the amount of such incorrectly remitted funds.

11. Modifying or Canceling a Payment. Any Payment can be modified or canceled, provided you or your Authorized User(s) access(es) the Service prior to the Cut-Off Time on the Payment Date. If you are unable to modify or cancel a Payment through the Service, you must contact our Customer Service Department at 866-209-7913, Monday through Friday, 4:30 AM - 11:00 PM, Pacific Time. Messages received after normal business hours will be returned within one Business Day. We will only accept a verbal or written notice to modify or cancel a Payment. The Bank can cancel a pending payment if it related to a Single Payment scheduled for a future date or a Recurring Payment if the notice is received by the Bank no later than two (2) business days before the Payment Date of the Payment. If you call, we may also require you to put your request in writing and forward it to us within fourteen (14) days after you call. If the transaction is a Recurring Payment, the notice must detail whether the cancellation applied to only one of the Recurring Payments, or to all transactions in the Reoccurring Payment series.

12. Stop Payments. You may request a stop payment after a Payment has been processed by contacting our Customer Service as described in Section 9. The Service's ability to successfully stop payment depends on how the funds were remitted to the Payee and the elapsed time since the Payment was processed. The Bank will make commercially reasonable efforts to stop payment per your request, but shall have no liability if unsuccessful. Stop payment orders shall be valid for a period of fourteen (14) days unless you confirm your stop payment requesting writing, in which case the stop payment order will be valid for a period of six (6) months. You may renew your stop payment order in writing for an additional six (6) month period. You may be charged a stop payment fee for each stop payment order that is placed and for each renewal.

13. Returned Payments. You understand that Payments may be returned by or to the Bank for various reasons including (but not limited to) the: (a) account or account number at the Payee is not valid; (b) Payee address is not valid; (c) Payee returns or rejects the remittance item, or (d) Account at the Payee has been paid in full or has been turned over to another company or individual. The Service shall use commercially reasonable efforts to research and correct the returned payment, or void the payment and credit your Designated Account. You may receive notification through the Service for any Payments that are returned.

14. Fees. There is no charge for enrollment in the Service. The Bank reserves the right to impose a fee for the Service in its sole discretion and after providing notice as required by applicable law.

There may be charges for additional services and requests. Please see your schedule of fees for more information. These charges will only be assessed if you request one or more of the services listed therein.

The Bank reserves the right to charge you for research time involving payments no longer available in your Payment history screen. You will be informed of any such charges before they are incurred. The Bank reserves the right, in its sole discretion, to waive any fee that you may be charged.

15. Liability. You will be responsible for any and all Payment Instructions that you or your Authorized User(s) make that contain an error or that is a duplicate of another Payment Instruction. The Bank is not responsible for a Payment that is not made if you or your Authorized User(s) did not properly follow the instructions on the Service website for making a Payment or incorrectly entered a Payment Instruction with us. The Bank is not liable for any failure to make a Payment if you fail to promptly notify the Bank after you learn that you have not received credit from a Payee for a Payment. The Bank is not responsible for your acts or omissions or those of any Authorized User or third person, including, without limitation, any Payee or transmission or communications facility; and no such party shall be deemed to be the Bank's agent. In any event, the Bank will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or the Service, even if the Bank has knowledge of the possibility of them. The Bank is 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 the Bank's reasonable control.

16. You are Responsible for Unauthorized Activity. Tell us AT ONCE if you believe your user identification, password or other means of accessing the Service have been stolen or used without your permission. You could lose all the money in your Designated Account, plus any credit available in any available overdraft protection plan. Also, if the periodic statement for your Designated Account shows Payments or other Service transactions that you did not make tell us at once. YOU ARE RESPONSIBLE FOR ALL PAYMENTS INITIATED USING YOUR USER IDENTIFICATION, PASSWORD AND OTHER MEANS OF ACCESSING THE SERVICE, REGARDLESS OF WHETHER YOU AUTHORIZED THEM OR IF THEY EXCEED THE LIMITS THAT YOU IMPOSED ON YOUR AUTHORIZED USER.

17. Account Security. You are solely responsible for controlling the safekeeping of and access to your user identification, password or other means to access the Service. You agree not to give out or make available your user identification, password, access code, authenticating image or other means to access your account(s) or the Service to any unauthorized individuals. You are responsible for all Payment Instructions and Payments authorized by you and/or entered by your Authorized User(s) or anyone to whom you provide access to the Service, even if that person exceeds his or her authority.

18. Authorized User(s). You are solely responsible for the actions or inactions of your Authorized User(s). You represent and warrant that you have taken all internal actions necessary to ensure that the Authorized User(s)s are duly authorized under the terms of the corporate bylaws, partnership agreement or other internal documents that might govern the appointment of the Authorized User(s) to do the following on your behalf:

(a) Access your account(s) and any information related to your accounts with the Bank,
(b) Establish and change your Designated Account,
(c) Access the Service and any information related to the Service,
(d) Engage in any transactions permissible through the Service,
(e) Provide us with any Payment Instructions,
(f) Initiate any Payments or other transactions under the terms of this Agreement,
(g) Establish and change your Payees (including adding new Payees, deleting existing Payees, and/or editing the information regarding existing Payees).
We may request, and you agree to provide, certified copies of any resolutions passed by your board of directors or governing body or any other certificate or evidence of authority satisfactory to us that evidences your authorization of the Authorized User(s) to act on your behalf. You also represent and warrant that you have appropriate controls in place to review and monitor the activities of your Authorized User(s) to ensure that they are using the Service for business or commercial purposes and for your benefit. You understand that by appointing an Authorized User(s) you accept full responsibility for all Payments and other transactions that are completed by the Authorized User through the Service and you agree that you shall hold the Bank harmless from all disputed Payments or disputed transactions initiated by the Authorized User(s) through the Service, regardless of whether such Payments or transactions were initiated on your behalf or otherwise. You agree that you are solely responsible for monitoring all such activity done by your Authorized User(s), that we have no obligation or duty to monitor the Payments made through the Service by your Authorized User(s) to determine if they are to pay bills other than yours and that we may rely on the Payment Instructions, notices and activities of your Authorized User(s) as being duly authorized by you until you advise us not to and we have had a reasonable period of time to comply with your notice.

19. Account and Contact Information. It is your sole responsibility to maintain accurate and complete contact information and Designated Account information in your user profile. This includes, but it not limited to, name, address, phone numbers and e-mail addresses, and verifying account numbers. Changes can be made within the Service or by contacting our Customer Service as indicated in Section 9 above. The Bank shall not be responsible for any payment processing errors or fees incurred if you do not provide accurate Designated Account or contact information.

20. Virus Protection. The Bank is not responsible for any electronic virus that you may encounter using the Service. You are encouraged to routinely scan your computer and files using reliable virus protection products to detect and remove viruses. If undetected and unrepaired, a virus can corrupt and destroy your programs, files and hardware.

21. Damages and Warranties. In addition to the terms previously disclosed, the Bank is not responsible for any losses, errors, injuries, expenses, claims, attorney's fees, interest or other damages, whether direct, indirect, special, punitive, incidental or consequential, (collectively, "Losses") caused by the use of the Service or in any way arising out of the installation, use or maintenance of your personal or business computer hardware or software, including any software provided by the Bank or one of its suppliers. In addition, the Bank disclaims any responsibility for any electronic virus(es) you may encounter after installation of such software or use of the Services. Without limiting the foregoing, neither the Bank nor its suppliers shall be liable for any: (a) failure to perform or any Losses arising out of an event or condition beyond their reasonable control, including but not limited to communications breakdown or interruption, acts of God or labor disputes; or (b) the loss, confidentiality or security of any data while in transit via the Internet, communication lines, postal system or electronic funds transfer networks. The Bank and its suppliers provide the Service from their own sites and they make no representation or warranty that any information, material or functions included in the Service are appropriate for use by you in your jurisdiction. If you choose to use the Service, you do so on your own initiative. Neither the Bank nor any of its suppliers warrant the adequacy, accuracy or completeness of any information provided as a part of the Service, or contained in any third party sites linked to or from the Bank's website. BANK MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, FUNCTIONALITY OR PERFORMANCE OF THE SERVICE, OR ANY SOFTWARE THAT MAY BE USED IN CONNECTION WITH SAME. BANK DISCLAIMS ANY EXPRESS OR IMPLIED WARRANTIES, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR ERROR-FREE OPERATION.

22. Indemnification. You shall indemnify, defend and hold harmless the Bank and its affiliates, officers, employees, directors, suppliers and agents, in their individual capacities or otherwise, from and against any Losses arising out of: (a) your negligence; (b) your failure to comply with applicable law; or (c) your failure to comply with the terms of this Agreement.

23. Amendment and Termination. The Bank reserves the right to terminate this Agreement or to change the charges, fees, or other terms described in this Agreement at any time. When changes are made, you will be notified by: (a) electronic mail; (b) physical mail at the address shown in our records; (iii) update of our website; or (iv) as otherwise permitted by law. Your continued use of the Service after being notified of changes to this Agreement shall constitute your agreement to such changes.

You may terminate this Agreement by written notice to the Bank. The Bank is not responsible for terminating any scheduled Payment processed prior to a reasonable opportunity to act on your termination notice. Once your Service is terminated, all of your scheduled Payments will be terminated as well. You remain obligated for all Payments made by the Service on your behalf under this Agreement.