Internet Banking Terms and Conditions

Online Banking and Online Bill Pay Agreements

This disclosure encompasses an Online Banking Agreement and Online Bill Pay Agreement. You are bound to the terms and conditions for the service(s) you selected at the time of enrollment or thereafter.

Online Banking Agreement

The following Terms and Conditions govern the manner in which Point Breeze Credit Union will provide Online Banking services. The words "we" and "us" and "our" refer to Point Breeze Credit Union. The words "you" and "your" refer to each person who applies for Online Banking services and each account owner or other person authorized to transact business on any Credit Union account which may be accessed through the Point Breeze Credit Union Online Banking and Online Bill Pay Service.

Online Banking

For assistance, call 888.233.7228 or 410.584.7228 during regular business hours or write to us at:

Point Breeze Credit Union
Member Service Center
11104 McCormick Road
Hunt Valley, MD 21031

Services: You authorize Point Breeze Credit Union to utilize a third party to provide the Service to you on our behalf.

Definition of Online Banking Access: Point Breeze Credit Union Online Banking is an electronic banking service that permits you, through the use of your personal computer or other electronic device and Internet Service Provider software to (a) access your Point Breeze Credit Union Share Savings, Checking and other deposit and loan accounts to obtain balance and transaction information, (b) transfer funds between Point Breeze Credit Union accounts (some accounts are excluded such as IRAs) and (c) download Point Breeze Credit Union account information directly into supported personal financial management software.

Multifactor Authentication: The FFIEC (Federal Financial Institutions Examination Council) requires all credit unions to implement a multi-layered verification sign-in process. Point Breeze Credit Union has a multifactor authentication process when any member signs in to Online Banking.

Individual Registration: Each person who wishes to use Online Banking must register for this service in his or her own name and must select a Password. You may use Online Banking to access your own Point Breeze Credit Union accounts. Point Breeze Credit Union reserves the right to limit the types of accounts that may be accessed. You are responsible for all transfers you authorize using your Online Banking access. You authorize us to debit your designated account(s) for any transactions accomplished through the use of this service. If you permit another person to use the service or give them your PIN or Password, you are responsible for payments, transfers or advances that person makes from your deposit accounts. Members who are enrolled individually in this service understand that joint owners can view and access all joint accounts.

Login with Touch ID: Touch ID allows you to use your fingerprint to login securely instead of entering your Username and Password. Fingerprints are only stored on your device and the credit union does not see nor store your fingerprint information. By enabling Touch ID, every person with an enrolled fingerprint on your device will have access to your account. Review the enrolled fingerprints within your device to make sure that each person is authorized to access the personal and financial information available in the application. The Login with Touch ID feature can be disabled for this application.

Service Availability: You may use Online Banking day or night, seven days a week, by logging into the service and entering your member number and PIN (Personal Identification Number). For account security, you will be required to create a Username and Password the first time you log into the service. You will use the Username and Password you create for future logins.

Password Lockout: When you log into Online Banking, you will be presented once with a prompt to set up information validating yourself and your device in the event you forget your Password at a later date. You have three (3) attempts to login. If you fail to enter the correct Password after three (3) attempts, you will be locked out. If you are locked out of Online Banking you can select "I can't access my account" from the login page for further direction on resetting your Password.

Change in Terms: We will mail or deliver a written notice to you at least 30 days before the effective date of any change in a term or condition disclosed in this Agreement, if the change would result in increased fees or fee changes, increased liabilities for you, fewer types of available electronic transfers or stricter limitations on the frequency or dollar amounts of transfers, unless prior notice is excused by law. If you initiate a transfer of funds through your Online Banking services after the effective date of a change, you indicate your agreement to the change.

Limitations: We will not be liable under any circumstances, if we are unable to complete any payments or transfers initiated in a timely manner via the Services because of the existence of any one or more of the following circumstances:

1. You do not obtain a Confirmation Number at the time you initiate a payment or transfer.

2. If, through no fault of ours, your account does not have sufficient funds available to complete the payment or transfer.

3. You have closed the designated Account or have been removed as a joint owner.

4. We have identified you as a credit risk and have chosen to (i) make all payments or transfers initiated by you via the Services utilizing a paper, as opposed to electronic, method or (ii) terminate your subscription to the Services.

5. If your Password has been reported lost or stolen and we have taken action to prevent payments or transfers by use of the Password.

6. If your account is subject to some legal process, right of setoff, or encumbrance, or if the funds in your account are not immediately available for payments or transfers.

7. The Services, your equipment, or any communications link is not working properly and you know or have been advised by us about the malfunction before you execute the transaction.

8. You have not provided us with the correct information for those Payees to whom you wish to direct payment or Accounts to which you wish to make a transfer.

9. Circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside source) prevent the proper execution of the transaction and we have taken reasonable precautions to avoid these circumstances.

10. There may be other exceptions stated in our Agreement with you.

Transaction Limitations: You may transfer funds between Point Breeze Credit Union checking or savings accounts under the same membership for which you have authorization. In some cases, funds may be transferred for the purposes of paying your Point Breeze Credit Union loan(s) under the same membership number. Some types of accounts, such as Individual Retirement Accounts (IRAs) or Certificates may not be eligible to transfer funds. Please inquire about additional transfer options available within Online Banking by contacting our Member Service Center or references elsewhere in this Agreement. Some types of withdrawals are limited from all savings accounts to six (6) per month. This limitation allows the Credit Union to comply with Federal Regulation D. During any month, you may not make more than six (6) withdrawals or transfers to another Credit Union account of yours or to a third-party by means of a pre-authorized or automatic transfer or telephonic order of instruction. Transfers made through Online Banking are included when computing the permissible number of monthly transfers made. If you exceed these transfer limitations during a month, your payment or transfer may be prevented from taking place and your account may be subject to closure. Payment transfers to your Point Breeze Credit Union loans do not count toward the six (6) withdrawals or transfers allowed per month.

Stop Payments: You may request stop payments on certain types of payments made by you. Liability for failure to Stop Payment of Preauthorized Transfer: If you order us to stop a Preauthorized Transfer three (3) business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Please go to the Online Banking link for Stop Payment options and the related disclosures. Stop Payment fees will apply; please see the Rate and Fee Schedule for details.

New Services: We may, from time to time, introduce new services or enhance the existing service. We shall notify you of the existence of these new or enhanced services. By using these services when they become available, you agree to be bound by the obligations concerning these services, which may be sent to you.

Care of Your Password: You agree that you will not give your Password or make it available to any other person. If you believe your Password has been lost or stolen or that someone has made payments or transfers using your Password without your permission, notify us IMMEDIATELY by phone anytime during regular business hours.

Disclosure of Account Information to Third Parties: We will only disclose information to third parties about your Accounts:

1. When it is necessary for completing payments or transfers.

2. In order to comply with a government agency or court order.

3. If you give us your written permission.

Fee Schedule: Online Banking is FREE to all members.

Your Liability for Unauthorized Payments or Transfers: If you believe that your Password has been lost or stolen, notify us IMMEDIATELY as provided above in order to minimize your possible losses. You could lose all the money in your account (plus your maximum overdraft line of credit, if any). If you believe your Password has been lost or stolen and you notify us within two (2) business days after you learn of the loss or theft, your maximum liability will be fifty dollars ($50).

If you do NOT notify us within two (2) business days after you learn of the loss or theft of your Password, and we can prove that we could have prevented someone from using your Password if you had told us in time, your maximum liability is five hundred dollars ($500).

If your statement contains payments or transfers that you did not make, notify us IMMEDIATELY. If you do not notify us within sixty (60) days after the statement was mailed or made available to you, you may not get back any of the money you lost if we can prove that we could have taken preventative measures if you had told us in time. If a good reason (such as a hospital stay or an extended trip) prevented you from informing us, we may, at our discretion, extend the time.

Errors and Questions: Contact us as soon as possible at the address or telephone number provided below if you think that a payment or transfer listed on your statement is in error or if you need more information about a payment or transfer listed on the statement. We must hear from you no later than sixty (60) days after you received the first statement on which the problem or error occurred. When you call or write us, you must:

1. Provide your name and member number.

2. Describe the payment or transfer you are questioning (Merchant Name, Account Information, Transaction Date and Amount) and explain as clearly as you can why you believe it is an error or need more information. If possible, please provide us with the Confirmation Number for the transaction.

3. Provide us with the dollar amount of the suspected error.

If you tell us orally, we may require that you send your complaint in writing within ten (10) Business Days. We will tell you the result of our investigation within ten (10) Business Days after we receive your complaint and will correct any error promptly. If we need more time, we may take up to forty-five (45) days to investigate the complaint or question. If this extended time is necessary, we will credit your Account with a "conditional credit" within ten (10) Business Days after we hear from you, for the amount you think is in error, in order that you may have use of the money during the time it takes to complete our investigation. If we ask you to put your question or complaint in writing and we do not receive it within ten (10) Business Days, we reserve the right not to give your account temporary credit.

If we determine there was no error, we will mail or transmit to you a written explanation within three (3) Business Days after we have completed the investigation, and within ten (10) Business Days of the date of such explanation, we will debit from your account the "conditional credit" previously provided to you for use during the time that we took to complete our investigation. You may ask for copies of documents used during our investigation by calling 888.233.7228 or 410.584.7228 during regular business hours or you may write us at:

Point Breeze Credit Union
Member Service Center
11104 McCormick Road
Hunt Valley, MD 21031

Additional Terms and Conditions:

1. In addition to the preceding, you agree to be bound by and comply with the requirements of these terms and services and applicable state and federal laws and regulations. We agree to be bound by them as well. Your accounts at Point Breeze Credit Union, which are accessed by Online Banking, continue to be governed by the applicable Membership and Account Agreement, Electronic Fund Transfer Agreement and Disclosures, Rate and Fee Schedule, Funds Availability Policy Disclosures and any other regulations relating to share accounts.

2. We reserve the right to terminate your use of the Services, in whole or in part, at any time without prior notice.

3. If you wish to cancel your subscription to the Services, you will be responsible for all payments and transfers you have requested prior to termination and for all other charges, fees, and taxes incurred. BE SURE TO CANCEL ALL OUTSTANDING PAYMENT AND TRANSFER ORDERS BEFORE YOU NOTIFY US TO TERMINATE THE SERVICE. WE WILL NOT BE LIABLE FOR PAYMENTS NOT CANCELED OR MADE DUE TO THE LACK OF PROPER NOTIFICATION BY YOU OF SERVICE TERMINATION.

4. These Terms and Conditions, and applicable fees and charges, may be altered or amended by us. In such event, we shall send notice to you at your listed address or communicate notice of the alteration or amendment through the Services. Your use of the Services following receipt of such notice constitutes acceptance of such alterations or amendments.

5. In the event of a dispute regarding the Services, you and we agree to resolve this dispute by looking to these Terms and Conditions. You agree to be liable to the Credit Union for any liability, loss, or expense, as provided for in this Agreement, that the Credit Union incurs as a result of any dispute involving your accounts or services. You authorize the Credit Union to deduct any such liability, loss, or expense from your account with prior notice to you. In the event either party brings a legal action to enforce the Agreement or collect any overdrawn funds on accounts accessed under this Agreement, the prevailing party shall be entitled, subject to applicable law, to payment by the other party of its reasonable attorney's fees and costs, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions, if applicable.

6. These Terms and Conditions shall be governed by and construed in accordance with the laws of the State of Maryland.

7. Business Days are Monday through Friday excluding Credit Union/banking holidays.

Contact by Point Breeze Credit Union Employee: No Point Breeze Credit Union employee or any company with which we do business will contact you via email or phone requesting your Online Banking Username, Password or any of your personal information. If you are contacted by anyone requesting this information from you please contact us IMMEDIATELY.

Online Bill Pay Service Agreement

This Agreement describes the types of Electronic Fund Transfers (EFTs) available with Point Breeze Credit Union's Online Bill Pay Service and provides information about your rights and responsibilities concerning those transactions. This Agreement applies only to transactions initiated using the Online Bill Pay Service.

In this Agreement, "you" and "your" refer to the member and joint owner(s) or authorized user(s) of the member's account(s). "We, "us," and "Credit Union" refer to Point Breeze Credit Union. The "Service" refers to Point Breeze Credit Union's Online Bill Pay Service. By applying for or using the Online Bill Pay Service or allowing others to do so, you consent to the terms of this Agreement and Disclosure.

I UNDERSTAND that each of my accounts at Point Breeze Credit Union, which are accessed by Online Bill Pay, continue to be governed by the applicable Membership and Account Agreement, Electronic Fund Transfer Agreement and Disclosures, Rate and Fee Schedule, Funds Availability Policy Disclosures and any other regulations relating to share accounts.

The following terms and conditions are provided as a compliment to and do not supersede or modify the Terms and Conditions for "Point Breeze Credit Union's Online Bill Pay Service Agreement". Where a conflict may exist, the "Point Breeze Credit Union Online Bill Pay Service Agreement" rather than the "Online Banking Agreement" for Point Breeze Credit Union's Online Banking service will be relied upon.

Service Definitions

"Service" means the Online Bill Pay Service offered by Point Breeze Credit Union, through CheckFree Services Corporation.

"Agreement" means these Terms and Conditions of the Online Bill Payment Service.

"Payee" is the person or entity to which you wish a bill payment to be directed or is the person or entity from which you receive electronic bills, as the case may be.

"Payment Instruction" is the information provided by you to the Service for a bill payment to be made to the Payee (such as, but not limited to, Payee name, Payee account number, and Scheduled Payment Date).

"Source Account" is the checking account from which bill payments will be debited.

"Billing Account" is the checking account from which all Service fees will be automatically debited.

"Business Day" is every Monday through Friday, excluding Federal holidays.

"Scheduled Payment Date" is the day you want your Payee to receive your bill payment and is also the day your Source Account will be debited, unless the Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day.

"Due Date" is the date reflected on your Payee statement for which the payment is due. It is not the late date or grace period.

"Scheduled Payment" is a payment that has been scheduled through the Service but has not begun processing.

Payment Scheduling: Transactions begin processing four (4) Business Days prior to your Scheduled Payment Date. Therefore, the application will not allow you to select a Scheduled Payment Date less than four (4) Business Days from the current date. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non-Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates should be prior to any late date or grace period.

The Service Guarantee: Due to circumstances beyond the control of the Service, particularly delays in handling and posting payments by Payees or financial institutions, some transactions may take longer to be credited to your account. The Service will bear responsibility for any late payment related charges up to $50.00 should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Payment Scheduling" in this Agreement.

Payment Authorization and Payment Remittance: By providing the Service with names and account information of Payees to whom you wish to direct payments, you authorize the Service to follow the Payment Instructions that it receives through the payment system. In order to process payments more efficiently and effectively, the Service may edit or alter payment data or data formats in accordance with Payee directives. When the Service receives a Payment Instruction, you authorize the Service to debit your Source Account and remit funds on your behalf so that the funds arrive as close as reasonably possible to the Scheduled Payment Date designated by you. You also authorize the Service to credit your Source Account for payments returned to the Service by the United States Postal Service or Payee, or payments remitted to you on behalf of another authorized user of the Service.

The Service will use its best efforts to make all your payments properly. However, the Service shall incur no liability and any Service Guarantee shall be void if the Service is unable to complete any payments initiated by you because of the existence of any one or more of the following circumstances:

If, through no fault of the Service, your Source Account does not contain sufficient funds to complete the transaction or the transaction would exceed the credit limit of your overdraft account;
The payment processing center is not working properly and you know or have been advised by the Service about the malfunction before you execute the transaction;
You have not provided the Service with the correct Source Account information, or the correct name, address, phone number, or account information for the Payee; and/or,
Circumstances beyond control of the Service (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction and the Service has taken reasonable precautions to avoid those circumstances.

Provided none of the foregoing exceptions are applicable, if the Service causes an incorrect amount of funds to be removed from your Source Account or causes funds from your Source Account to be directed to a Payee which does not comply with your Payment Instructions, the Service shall be responsible for returning the improperly transferred funds to your Source Account, and for directing to the proper Payee any previously misdirected transactions, and, if applicable, for any late payment related charges.

Payment Methods: The Service reserves the right to select the method in which to remit funds on your behalf to your Payee. These payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment.

Payment Cancellation Requests: You may cancel or edit any Scheduled Payment (including recurring payments) by following the directions within the application. There is no charge for canceling or editing a Scheduled Payment. Once the Service has begun processing a payment it cannot be cancelled or edited, therefore a Stop Payment request must be submitted.

Stop Payment Requests: The Service's ability to process a Stop Payment request will depend on the payment method and whether or not a check has cleared. The Service may also not have a reasonable opportunity to act on any Stop Payment request after a payment has been processed. If you desire to stop any payment that has already been processed, you must contact the Credit Union. Although the Service will make every effort to accommodate your request, the Service will have no liability for failing to do so. The Service may also require you to present your request in writing within fourteen (14) days. The charge for each Stop Payment request will be the current charge for such service as set out in the Rate & Fee Schedule.

Prohibited Payments: Payments to Payees outside of the United States or its territories are prohibited through the Service.

Exception Payments: Tax payments and court ordered payments may be scheduled through the Service; however such payments are discouraged and must be scheduled at your own risk. In no event shall the Service be liable for any claims or damages resulting from you scheduling these types of payments. The Service Guarantee, as it applies to any late payment related charges, is void when these types of payments are scheduled and/or processed by the Service. The Service or Credit Union has no obligation to research or resolve any claim resulting from an exception payment. All research and resolution for any misapplied, mis-posted or misdirected payments will be the sole responsibility of you and not of the Service.

Bill Delivery and Presentment: This feature is for the presentment of electronic bills only and it is your sole responsibility to contact your Payees directly if you do not receive your statements. This feature is available for select Payees. In addition, if you elect to activate one of the Service's electronic bill options, you also agree to the following:

Information provided to the Payee - The Service is unable to update or change your personal information such as, but not limited to, name, address, phone number(s) or email addresses, with the electronic Payee. Any changes will need to be made by contacting the Payee directly. Additionally, it is your responsibility to maintain all usernames and passwords for all electronic Payee sites. You also agree not to use someone else's information to gain unauthorized access to another person's bill.

Activation - Upon activation of the electronic bill feature, the Service may notify the Payee of your request to receive electronic

billing information. The presentment of your first electronic bill may vary from Payee to Payee and may take up to sixty (60) days, depending on the billing cycle of each Payee. Additionally, the ability to receive a paper copy of your statement(s) is at the sole discretion of the Payee. While your electronic bill feature is being activated it is your responsibility to keep your accounts current. Each electronic Payee reserves the right to accept or deny your request to receive electronic bills.

Notification - The Service will use its best efforts to present all of your electronic bills promptly. In addition to notification within the Service, the Service may send an email notification to the email address listed for your account. It is your sole responsibility to ensure that this information is accurate. In the event you do not receive notification, it is your responsibility to periodically log in to the Service and check on the delivery of new electronic bills. The time for notification may vary from Payee to Payee. You are responsible for ensuring timely payment of all bills.

Cancellation of electronic bill notification - The electronic Payee reserves the right to cancel the presentment of electronic bills at any time. You may cancel electronic bill presentment at any time. The timeframe for cancellation of your electronic bill presentment may vary from Payee to Payee. It may take up to sixty (60) days, depending on the billing cycle of each Payee. The Service will notify your electronic Payee(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 electronic bills that are already in process at the time of cancellation.

Non-Delivery of electronic bill(s) - You agree to hold the Service harmless should the Payee fail to deliver your statement(s). You are responsible for ensuring timely payment of all bills. Copies of previously delivered bills must be requested from the Payee directly.

Accuracy and dispute of electronic bill - The Service is not responsible for the accuracy of your electronic bill(s). The Service is only responsible for presenting the information we receive from the Payee. Any discrepancies or disputes regarding the accuracy of your electronic bill summary or detail must be addressed with the Payee directly.

This Agreement does not alter your liability or obligations that currently exist between you and your Payees.

Password and Security: You agree not to give or make available your login credentials or other means to access your account to any unauthorized individuals. You are responsible for all payments you authorize using the Service. If you permit other persons to use the Service or your login credentials or other means to access your account, you are responsible for any transactions they authorize. If you believe that your login credentials or other means to access your account have been lost or stolen, or that someone may attempt to use the Service without your consent or has transferred money without your permission, you must notify the Credit Union IMMEDIATELY by calling 888.233.7228 or 410.584.7228 during regular business hours.

Your Liability for Unauthorized Transfers: If you tell us within two (2) Business Days after you discover your login credentials or other means to access your account have been lost or stolen, your liability is no more than $50.00 should someone access your account without your permission. If you do not tell us within two (2) Business Days after you learn of such loss or theft, and we can prove that we could have prevented the unauthorized use of your login credentials or other means to access your account if you had told us, you could be liable for as much as $500.00. If your monthly account statement contains transfers that you did not authorize, you must tell us IMMEDIATELY. If you do not tell us within sixty (60) days after the statement was sent to you, you may lose any amount transferred without your authorization, if we can prove that we could have stopped someone from taking the money had you told us in time. If a good reason (such as a long trip or a hospital stay) prevented you from telling us, we may, at our discretion, extend the period.

Errors and Questions: In case of errors or questions about your transactions, you should notify the Credit Union as soon as possible via one of the following:

Call 888.233.7228 or 410.584.7228 during regular business hours;
Contact us by using the application's secure email feature; and/or,
You may write us at:

Point Breeze Credit Union
Member Service Center
11104 McCormick Road
Hunt Valley, MD 21031

If you think your statement is incorrect or you need more information about an Online Bill Pay transaction listed on your statement, we must hear from you no later than sixty (60) days after the FIRST statement was sent to you on which the problem or error appears. You must:

Provide your name and member number;
Describe the error or the transaction in question, by providing the Payee name, account information, transaction date, transaction amount, confirmation number; and
Explain as clearly as possible why you believe it is an error or why you need more information.

If you tell us verbally, we may require that you send your complaint in writing within ten (10) Business Days after your verbal notification.

We will tell you the results of our investigation within ten (10) Business Days after we hear from you and will correct any error promptly. However, if we require more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we need to do this, we will provisionally credit your Source Account within ten (10) Business Days for the amount you think is in error. If we ask you to submit your complaint or question in writing and we do not receive it within ten (10) Business Days, we may not provisionally credit your Source Account. If it is determined there was no error, we will mail you a written explanation within three (3) Business Days after completion of our investigation. You may ask for copies of documents used in our investigation. The Service may revoke any provisional credit provided to you if we find an error did not occur.

Disclosure of Account Information to Third Parties: It is our general policy to treat your account information as confidential. However, we will disclose information to third parties about your account or the transactions you make ONLY in the following situations:

Where it is necessary for completing transactions;
Where it is necessary for activating additional services;
In order to verify the existence and condition of your account to a third party, such as a credit bureau or Payee;
To a consumer reporting agency for research purposes only;
In order to comply with a governmental agency or court orders; or,
If you give us your written permission.

Service Fees and Additional Charges: Online Bill Pay Service imposes no monthly service charges. Fees apply for certain types of activity, including Non-sufficient funds (NSF) fee(s) assessed from the Credit Union and/or CheckFree Services Corporation, check copy(s), and Stop Payment(s). When a Non-sufficient or uncollected condition occurs, we may make up to three (3) attempts to withdraw funds from your account. You may be charged a fee each time funds are not available in your account. At our discretion, we may block your Online Bill Pay Service after one attempt to withdraw funds from your account and no further attempts will be made. Your Online Bill Pay Service may remain blocked and no additional payments will be processed until the NSF condition is resolved. Please refer to the current Point Breeze Credit Union Rate and Fee Schedule for a complete list of fees. You are responsible for any and all telephone access fees and/or Internet service fees that may be assessed by your telephone and/or Internet service provider.

Failed or Returned Transactions: In using the Online Bill Pay Service, you are requesting the Service to make payments for you from your Source Account. If we are unable to complete the transaction for any reason associated with your Source Account (for example, there are non-sufficient funds in your Source Account to cover the transaction), the transaction will not be completed. In some instances, you may receive a return notice from the Service, CheckFree Services Corporation. In such case, you agree that:

You will reimburse the Service immediately upon demand the transaction amount that has been returned to the Service;
The Service is authorized to report the facts concerning the return to any credit reporting agency.

Alterations and Amendments: This Agreement, applicable fees and service charges may be altered or amended by the Service from time to time. In such event, the Credit Union or the Service shall provide notice to you. Any use of the Online Bill Pay Service after you are notified of the change will constitute your agreement to such change(s). Further, the Service may, from time to time, revise or update the applications, services, and/or related material, which may render all such prior versions obsolete. Consequently, the Service reserves the right to terminate this Agreement as to all such prior versions of the applications, services, and/or related material and limit access to only the Service's more recent revisions and updates.

Address or Banking Changes: It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. Changes can be made either within the application or by contacting the Credit Union. Any changes in your Source Account should also be made in accordance with the procedures outlined within the application's Help files. All changes made are effective immediately for scheduled and future payments paid from the updated Source Account information. The Service is not responsible for any payment processing errors or fees incurred if you do not provide accurate Source Account or contact information.

Service Termination, Cancellation or Suspension: In the event you wish to cancel the Online Bill Pay Service, you may have the ability to do so through the product, or you may contact the Member Service Center via one of the following:

Call 888.233.7228 or 410.584.7228 during regular business hours;
Contact us by using the application's secure email feature; and/or,
You may write us at:

Point Breeze Credit Union
Member Service Center
11104 McCormick Road
Hunt Valley, MD 21031

Any payment(s) that the Service has already processed before the requested cancellation date will be completed by the Service. All Scheduled Payments including recurring payments will not be processed once the Service is cancelled. The Service may terminate or suspend Service to you at any time. Neither termination nor suspension shall affect your liability or obligations under this Agreement.

Payee Limitation: The Service reserves the right to refuse to pay any Payee to whom you may direct a payment. The Service will notify you promptly if it decides to refuse to pay a Payee designated by you. This notification is not required if you attempt to make a Prohibited Payment or an Exception Payment under this Agreement.

Returned Payments: In using the Service, you understand that Payees and/or the United States Postal Service may return payments to the Service for various reasons such as, but not limited to, Payee's forwarding address expired; Payee account number is not valid; Payee is unable to locate account; or Payee account is paid in full. The Service will use its best efforts to research and correct the returned payment and return it to your Payee, or void the payment and credit your Source Account. You may receive notification from the Service.

Information Authorization: Your enrollment in the Service may not be fulfilled if the Service cannot verify your identity or other necessary information. Through your enrollment in the Service, you agree that the Service reserves the right to request a review of your credit rating at its own expense through an authorized bureau. In addition, you agree that the Service reserves the right to obtain financial information regarding your account from a Payee or the Credit Union (for example, to resolve payment posting problems or for verification).

Disputes: In the event of a dispute regarding the Service, you and the Service agree to resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and the Service which supersedes any proposal or prior agreement, oral or written, and any other communications between you and the Service relating to the subject matter of this Agreement. If there is a conflict between what an employee of the Service or Member Service Department says and the terms of this Agreement, the terms of this Agreement will prevail.

Assignment: You may not assign this Agreement to any other party. The Service may assign this Agreement to any future, directly or indirectly, affiliated company. The Service may also assign or delegate certain of its rights and responsibilities under this Agreement to independent contractors or other third parties.

No Waiver: The Service shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by the Service. No delay or omission on the part of the Service in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions: The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

Governing Law: This Agreement shall be governed by and construed in accordance with the laws of the State of Maryland, without regard to its conflicts of laws provisions.

Exclusions of Warranties: THE SERVICE AND RELATED DOCUMENTATION ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESSED OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY AND FITNESS FOR A PARTICULAR PURPOSE.

THE FOREGOING SHALL CONSTITUTE THE SERVICE'S ENTIRE LIABILITY AND YOUR EXCLUSIVE REMEDY. IN NO EVENT SHALL THE SERVICE BE LIABLE FOR ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF THE INSTALLATION, USE, OR MAINTENANCE OF THE EQUIPMENT, SOFTWARE, AND/OR THE SERVICE.

By accepting the Terms & Conditions, you represent that you are the owner of the account to be enrolled in Online Bill Pay Services and your acceptance of the terms and conditions of this Agreement in electronic format.