Terms & Conditions

BILL PAYING AGREEMENT/TERMS & CONDITIONS-BUSINESS ACCOUNTS

There is no monthly fee to use the PARTNERSHIP FINANCIAL CREDIT UNION Bill Pay for your on-line bill payments.

This is your bill paying agreement with PARTNERSHIP FINANCIAL CREDIT UNION . You
may use the PARTNERSHIP FINANCIAL CREDIT UNION billl paying service, Classic Bill
Pay, to direct PARTNERSHIP FINANCIAL CREDIT UNION to make payments from your
designated checking account to the Payees you choose in accordance with this agreement.
The terms & conditions of this Agreement are in addition to the Account agreements, terms & conditions and other documents in effect from time to time governing your Account (the Account Rules).

"You" or "your" means each person who is authorized to use the service. "Payee" means anyone, including the Financial Institution, you designate and the Financial Institution accepts as a payee.

HOW TO SET UP PAYEES/PAYMENTS

In order for you to add a new payee, use "+ Add Payee". You may add a new fixed payment to a Payee, only if the Payee is on your authorized list of payees, and by accessing the Service and entering the appropriate information. Most other additions, deletions, or changes can be made by using the Service. The Financial Institution reserves the right to refuse the designation of a Payee for any reason. You may pay almost any payee you wish, however. there are several restrictions:
1) The merchant must be located in the United States;
2) Payments may not be remitted to tax authorities or government and collection
agencies;
3) Payments may not be remitted to security companies such as Ameritrade for
stock purchases or trade taxing authorities and
4) Court directed payments are unauthorized (Alimony, child support, or other legal debts). You can use this system to send payments to any company or individual, ie: your child at school, your local orthodontist, charitable donations, etc. A merchant is defined as anybody (company or individual) to whom you want to send money.

The Financial Institution is not responsible if a Bill Payment can not be made due to
incomplete, incorrect, or outdated information provided by you regarding a Payee or if you attempt to pay a Payee that is not on your Authorized Payee list.

THE BILL PAYING PROCESS:

Single Payments:

A single payment will be processed on the business day (generally Monday through Friday, (except certain holidays) that you designate as the payment process date, provided the payment is submitted prior to the daily cut-off time on that date. The daily cut-off time, which is controlled by the financial institution, is currently 3:00 P.M. CST. A single payment submitted after the cut-off time on the designated process date will be processed on the following business day. If you designate a non-business date (generally weekends and certain holidays) as the payments process date, the payment will be processed on the first business day following the designated process date.

Recurring Payments:

When a recurring payment is processed, it is automatically rescheduled by the system.
Based upon your selected frequency settings for the payment, a process date is calculated for the next occurrence of the payment. If the calculated process date is a non-business date (generally weekends and certain holidays), it is adjusted based upon the following rules:

Note: If your frequency settings for the recurring payment specify the 29th, 30th, or 31st as a particular day of the month for processing and that day does not exist in the month of the calculated process date, then the last calendar day of that month is used as the calculated process date.

For Single and Recurring Payments, YOU MUST ALLOW AT LEAST FIVE TO SEVEN BUSINESS DAYS, PRIOR TO THE DUE DATE, if paying by check, for each bill payment to reach the Payee. If the funds are being sent electronically, allow TWO BUSINESS DAYS. (For Midwest subscribers, allow 7-9 days and for west coast subscribers, allow 8-10 days.) Any bill payment can be changed or canceled, provided you access the Bill Pay Service prior to the cut-off time on the business day prior to the business day the bill payment is going to be initiated. You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligations you have to the Financial Institution. The Financial Institution reserves the right, without liability, to reject or reverse a bill payment if you fail to comply with this requirement or any other terms of this agreement. If you do not have sufficient funds in the Account and the Financial Institution has not exercised its right to reverse or reject a bill payment, you agree to pay for such payment obligations on demand. You further agree the Financial Institution, at its option, may charge any of your accounts with the Financial Institution to cover such payment obligations. The financial institution reserves the right to change the cut-off time. You will receive notice if it changes.

LIABILITY

You are liable for all transactions you make or that you authorize another person to make even if that person exceeds his or her authority. You will be responsible for any Bill Payment request you make that contains an error or is a duplicate of another Bill Payment. The Financial Institution is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a Bill Payment. The Financial Institution is not liable for any failure to make a Bill Payment if you fail to promptly notify the Financial Institution after you learn that you have not received credit from a Payee for a Bill Payment. The Financial Institution is not responsible for your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed
to be the Financial Institution's agent. In any event, the Financial Institution 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 Financial Institution has knowledge of the possibility of them. The Financial Institution 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 Financial Institution's reasonable control.

Amendment and Termination

The Financial Institution has the right to change this Agreement at any time by notice mailed to you at the last address shown for the Account on the Financial Institution's records, by posting notice in branches of the Financial Institution, or as otherwise permitted by law.

The Financial Institution has the right to terminate this Agreement at any time. You may
terminate this Agreement by written notice to the Financial Institution. The Financial
Institution is not responsible for any fixed payment made before the Financial Institution has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by the Financial Institution on your behalf.

FEES:

You will not be charged a fee for the Classic Bill Pay Service. You are allowed and
unlimited number of monthly payments.

Additional Charges for Customer requested Services and Other Items:

These charges will only be assessed if you request one or more of the services listed here. There will be NO Charge for any item if needed to correct a Financial Institution error.

Written Correspondence to Payee: $10.00
Per proof of Payment not necessitated by a dispute: $10.00
Payments returned due to customer error: $5.00
Account Overdraft Fee: $29.00/per item
No Activity for 90 Days $3.00/month

The Financial Institution reserves the right to charge you for research time involving
payments no longer available in your screen history. You will be informed of any such
charges before they are incurred.

Bill payments are processed by Electronic Fund Transfers (EFT). Please see the Electronic Fund Transfers Terms & Conditions Statement included, or, received when you opened your account, which discloses important information concerning your rights and obligations.