Internet Business Banking Service Agreement - Union Bank

Bill Pay System A: We may complete the bill Payment by overdrawing your account or by making an advance onyour line of credit in excess of your credit limit. We may charge a fee for each bill Payment request that wouldoverdraw your account (or exceed your credit limit), whether or not we complete the transfer or bill Payment.We may charge a fee for NSF overdrafts and insufficient funds.Bill Pay System B: In most cases, Payments are made by the Payment processor on your behalf regardless of theavailable balance in your Payment Account. If there are insufficient available funds in an account you designateto make a bill Payment, or if making a transfer would cause your line of credit account to exceed your creditlimit, we may charge a fee for each bill Payment request that would overdraw your account (or exceed yourcredit limit). We may charge a fee for NSF overdrafts and insufficient funds.New Union Bank Bill Pay System:In using the Service, we will make Payments for you from your Payment Account when you instruct us to do so.After making such Payments per your Payment Instructions, the Service will debit your Payment Account. Ifthere are insufficient funds in your Payment Account, the Service Provider may notify you directly and willattempt to debit your Payment Account a second time. If there are still insufficient funds, the Service Providermay contact you directly to seek reimbursement for Payments made on your behalf. In each such case, youagree that:i. You will reimburse us or our Service Provider immediately upon demand the amount of the PaymentInstruction if we have delivered the Payment but there are insufficient funds in, or insufficient overdraft creditsassociated with, your Payment Account to allow us to complete the debit processing;ii. For any amount not reimbursed to us within fifteen (15) days of the initial notification, a late chargeequal to one and a half percent (1.5%) monthly interest or the legal maximum, whichever rate is lower, for anyunpaid amounts may be imposed by us or our Service Provider;iii. You may be assessed a fee by our Service Provider and by us if the Payment Instruction cannot bedebited because you have insufficient funds in your Payment Account, or the transaction would exceed thecredit or overdraft protection limit of your Payment Account, to cover the Payment, or if we cannot otherwisecollect the funds from you; the fee amount will be as set forth in your fee schedule. This fee may also apply ifwe attempt to debit the Payment Account a second time. You hereby authorize us to deduct these amountsfrom your designated Payment Account, including by ACH debit;iv. You will reimburse us and our Service Provider (including Service Provider's designated debtcollection agency, if applicable) for any fees or costs we incur in attempting to collect any amounts from you;andv. We and our Service Provider are authorized to report the facts concerning the debt to any creditreporting agency.(i) No Signature Required -- When a Payment is requested using the Service, you agree that we may chargeyour account to make the Payment without your signature. When using the Service to make transfers fromaccounts, you agree that we may take any action required to obtain loan advances on your behalf, includingcharging the Activated Account you designated without your signature.(j) Canceling or Modifying Payments --Bill Pay System A- After a Payment request is transmitted, and while the Payment is still in a “pending” state,you may use the Service to cancel or modify the Payment on the Bank's "Pending Payment” page in the Bill Pay