BUSINESS BILL PAY AGREEMENT/DISCLOSURE

This is your business bill paying agreement with San Diego County Credit Union® (SDCCU®). You may use San Diego County Credit Union’s bill paying service, Business Bill Pay, to direct SDCCU 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 the Account agreements, disclosures 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 SDCCU, you designate and SDCCU accepts as a payee.

HOW TO SET UP PAYEES/PAYMENTS
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 in writing or by using the Service. SDCCU reserves the right to refuse the designation of a Payee for any reason. Each Payee accepted by SDCCU will be assigned a payee code. While you may pay almost any payee you wish, 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 your son/daughter in college, pay your local orthodontist, credit cards, charitable donations, etc. A merchant is defined as anybody (company or individual) to whom you want to send money.

SDCCU is not responsible if a Bill Payment can not be made due to incomplete, incorrect or outdated information provided by you regarding a Payee or if you attempt to pay a Payee that is not on your Authorized Payee list.

ACCESSING THE SERVICE
When you complete your bill paying enrollment, you will select a User ID and Personal Identification Number (PIN). SDCCU will make every effort to accommodate your request. Each time you access the Service, you will be asked to enter your User ID and PIN. Correct responses will give you access to the Service.

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’s 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 1:00 p.m. Pacific Time. 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 payment’s 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:
•If the recurring payment’s “Pay Backward” option is selected, the process date for the new occurrence of the payment is adjusted to the first business date prior to the calculated process date.
•If the recurring payment’s “Pay Backward” option is not selected (or if the “Pay Backward” option is not available), the process date for the new occurrence of the payment is adjusted to the first business date after the calculated process date.

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 (5) BUSINESS DAYS, PRIOR TO THE DUE DATE, for each bill payment to reach the Payee. (For mid-west subscribers, allow 7 days and for west coast subscribers, allow 8 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 SDCCU. SDCCU 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 SDCCU 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 SDCCU, at its option, may charge any of your accounts with SDCCU to cover such payment obligations.

SDCCU reserves the right to change the cut-off time. You will receive notice if it changes.

LIABILITY
You are solely responsible for controlling the safekeeping of, and access to, your PIN. 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. If you want to terminate another person's authority, you must notify SDCCU and arrange to change your PIN. You will be responsible for any Bill Payment request you make that contains an error or is a duplicate of another Bill Payment. SDCCU is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a Bill Payment. SDCCU is not liable for any failure to make a Bill Payment if you fail to promptly notify SDCCU after you learn that you have not received credit from a Payee for a Bill Payment. SDCCU 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 SDCCU’s agent. In any event, SDCCU 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 SDCCU has knowledge of the possibility of them. SDCCU 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 SDCCU’s reasonable control.

Amendment and Termination
SDCCU has the right to change this Agreement at any time by notice mailed to you at the last address shown for the Account on SDCCU’s records, by posting notice in branches of SDCCU, or as otherwise permitted by law.

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

Fees
Refer to Business Services Fee Schedule located on sdccu.com.

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 SDCCU 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

SDCCU 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.