Internet Business Banking Service Agreement - Union Bank

statements and other notices remain the official records of your account, and your ongoing obligationpromptly to review account statements, Customer Notices, and all other correspondence from usregarding your account and other services you obtain from us remains in full force and effect.21. STOPPING PAYMENT ON A PAPER CHECK. You can use the Service to place a stop payment order for atraditional paper check you have written on any Activated Account on which you can write checks. To do so,you must provide us with timely, complete and accurate information regarding the account number the item isdrawn upon, the item number, and the exact amount of the item (dollars and cents). If any information isincomplete or incorrect, we will not be responsible for failing to stop payment on the item. Also, depending onthe date you request a stop payment, we may not be able to verify whether the item has been paid, in whichcase we may ask you to contact us. Stop payment requests become effective only when we confirm theirreceipt and have verified that the item has not been paid. Thus, be sure to wait for an online confirmation thata stop payment was placed before you log out of the Service.To place a stop payment covering a range of checks that are missing or stolen, you must call us at1-800-238-4486 for personal assistance, or contact your banking office. Other terms and conditions governingstop payments are contained in your applicable Account Agreement.22. HOURS OF OPERATION AND CUTOFF TIMES. The Service is available to you 24 hours a day; 365/366 days ayear, except at times of "Service Unavailability" (see Section 23). Your Activated Account information isupdated at 6:00 a.m. (Pacific Time) Tuesday through Friday and 8:00 a.m. (Pacific Time) on Saturday, except onBank holidays.(a) Payments -- We will process your transaction request as follows:Bill Pay System A - At the end of the Business Day if you complete and transmit the request by midnight, PacificTime - Monday through Friday, except on Bank holidaysBill Pay System B - "Cut-off Time" means payments scheduled in advance (before 12:00 a.m., Pacific Time onthe scheduled date) will be processed for payment at 12:00 a.m., Pacific Time and "ASAP" payments (paymentsscheduled after 2:00 a.m., Pacific Time on the scheduled date) will be processed at 1:00 p.m., Pacific TimeNew Union Bank Bill Pay System - We will process your transaction request at the end of the Business Day ifyou complete and transmit the request by 7:00 pm, Pacific Time for all payments (including Union Bank creditcards), other than to Union Bank loans and lines of credit; by midnight, Pacific Time for payments to UnionBank loans and lines of credit; Monday through Friday, except on Bank holidays.Payment requests submitted after the Cutoff Time or on non-Business Days will be considered requested thenext Business Day. If you attempt to send a transaction request near the Cutoff Time, and your request is notcompleted before the Cutoff Time, your transaction request may be deemed received the next Business Day.The exact timing of the update time or the Cutoff Time may vary without advance notice. We will not beresponsible for any loss or delay related to any variation. You may make Payments to your Bank loan ActivatedAccounts up to midnight (Pacific Time) on the Date Due for same day processing(Note: This does not includepayments to your Union Bank credit card account).(b) Transfers between an Activated Account and an account owned by you at another financialinstitution are processed on the Business Day they are scheduled, if the transfer request is received by10:00 p.m. (Pacific Time). The funds are withdrawn from the funding account the following Business Day