EZ-Pay Bill Payer
Disclosure Information

This is your bill paying agreement with Omaha Federal Credit Union. You may use Omaha Federal Credit Union’s Bill Paying service, EZ-Pay, to direct Omaha Federal Credit Union to make payments from your designated Share Draft/Checking Account to the Merchants 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.

NOTICE: EZ PAY IS OFFERED FREE IF YOU PAY AT LEAST 1 BILL EACH MONTH, AND ARE SIGNED UP FOR OMAHA FEDERAL CREDIT UNION E-STATEMENTS AND DIRECT DEPOSIT. IF YOU FAIL TO PAY AT LEAST 1 BILL DURING A MONTH, OR DISCONTINUE EITHER YOUR E-STATEMENTS OR DIRECT DEPOSIT, YOUR OMAHA FEDERAL ACCOUNT WILL BE CHARGED A $5 PER MONTH SERVICE FEE. THIS FEE WILL BE REFLECTED IN YOUR OMAHA FEDERAL CREDIT UNION STATEMENT.

"You" or "your" means each person who signs the bill paying enrollment form or is otherwise authorized to use the Service. "Merchant" means anyone, including Omaha Federal Credit Union, you designate and the Financial Institution accepts as a payee.

HOW TO SET UP MERCHANTS/PAYMENTS

Complete a bill paying enrollment form and list all of the Merchants to whom you want payments to be made. IF YOU WANT TO ADD A NEW MERCHANT TO YOUR LIST OF AUTHORIZED PAYEES, YOU CAN SUBMIT YOUR REQUEST IN WRITING, USE "ADD MERCHANT" BUTTON ON THE INTERNET OR SPEAK TO A SERVICE REPRESENTATIVE BY CALLING 1-800-314-2227. Once enrolled in EZ-Pay, you can then activate/schedule all bill payment amounts and processing dates through the Internet or by calling 1-800-314-2227. You may add a new fixed payment to a Merchant, only if the Merchant is on your authorized list of payees, and by accessing EZ-Pay and entering the appropriate information. Most other additions, deletions, or changes can be made in writing or by using the Service. Omaha Federal Credit Union reserves the right to refuse the designation of a Merchant for any reason. Each Merchant accepted by Omaha Federal Credit Union will be assigned a merchant code. You will receive a list of code numbers in your Welcome package for each Merchant you designate.

Omaha Federal Credit Union is not responsible if a Bill Payment can not be made due to incomplete, incorrect, or outdated information provided by you regarding a Merchant or if you attempt to pay a Merchant that is not on your Authorized Payee list.

ACCESSING EZ-PAY

You can access EZ PAY through the Home Financial web site. Simply login to Home Financial using your Home Financial User Id (OFCU account number) and your password. Once you are logged into this service,you will see a tab located on the left-hand side of the screen which says "Bill Payer". click on this tab and you will be directed to the EZ Pay web site. There is not a separate user name or password for this service.

THE BILL PAYING PROCESS

Omaha Federal Credit Union will process variable payments on the business day (Monday through Friday, except holidays) you designate the bill to be processed, provided the payment request is received prior to the cut-off time set by Omaha Federal Credit Union, which is currently 4:00 p.m. EST. Variable bill requests received after the business day cut-off time, or at any time on a non-business day will be processed on the next business day. Omaha Federal Credit Union reserves the right to change the cut-off time by giving you notice if it changes.

FOR RECURRING PAYMENT REQUESTS, IF YOU DESIGNATE A PROCESSING DATE OF THE 28TH THROUGH THE 31ST OF A MONTH, PROCESSING WILL BE INITIATED ON THE LAST CALENDAR DAY OF THE MONTH. Otherwise, recurring payment requests will be process on the dates you have designed, unless such date falls on a non-business day resulting in your payment being processed on the next business day.

YOU MUST ALLOW AT LEAST FIVE (5) BUSINESS DAYS FOR EACH BILL PAYMENT (RECURRING OR VARIABLE) TO REACH THE MERCHANT. (IT IS THE RESPONSIBILITY OF THE SUBSCRIBER TO SCHEDULE/ACTIVATE RECURRING PAYMENTS.)

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 at Omaha Federal Credit Union. Omaha Federal Credit Union 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 Omaha Federal Credit Union has not exercised its right to reverse or reject a Bill Payment, you agree to pay for such payment obligation on demand. You further agree that Omaha Federal Credit Union, at its option, may charge any of your Credit Union accounts to cover such payment obligations.

Any Bill Payment can be changed or canceled, provided you access the Service prior to the cut-off time (4 p.m. EST) on the business day your payment is to be processed.

You are solely responsible for controlling the safekeeping of, and access to, your Personal Identification Number (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 Omaha Federal Credit Union and arrange to change your PIN. You will be responsible for any Bill Payment request you make that contains an error or is duplicate of another Bill Payment. Omaha Federal Credit Union is not responsible for a Bill Payment that is not made if you did not properly follow the instructions for making a Bill Payment. Omaha Federal Credit Union is not liable for any failure to make a Bill Payment if you fail to promptly notify Omaha Federal Credit Union after you learn that you have not received credit from a Merchant for a Bill Payment. Omaha Federal Credit Union 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 Omaha Federal Credit Union’s agent. In any event, Omaha Federal Credit Union 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 Omaha Federal Credit Union has knowledge of the possibility of them. Omaha Federal Credit Union is not liable for any act, failure to act or delay in acting if it is caused, in whole or part, by any cause beyond Omaha Federal Credit Union’s reasonable control.

AMENDMENT AND TERMINATION

Omaha Federal Credit Union has the right to change the Agreement at any time by notice mailed to you at the last address shown for your account on Omaha Federal Credit Union’s records, by posting notice in branches, or as otherwise permitted by law.

Omaha Federal Credit Union has the right to terminate the Agreement at any time. You may terminate this Agreement by written notice to Omaha Federal Credit Union. Omaha Federal Credit Union is not responsible for any fixed payment made before the we have time to act on your termination notice. You remain obligated for any payments made by Omaha Federal Credit Union on your behalf.

FEES

EZ PAY is offerd to members free if they pay at least 1 bill each month, and have signed up for OFCU e-Statements and Direct Deposit. If any month, a member fails to pay at least 1 bill through this service or discontinues the Direct Deposit or e- Statement service, a $5 monthly fee will be accessed and deducted from the member's Omaha Federal Credit Union account.

Additional Charges for Member 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 an Omaha Federal Credit Union error.

Omaha Federal Credit Union reserves the right charge you for research time involving payments no longer available in your history. You will be informed of any such charges before they are incurred.

SPECIAL DISCLOSURES REGARDING TELEPHONE BILL PAYING

Bill payments are processed by Electronic Funds Transfer (EFT). Please see the Electronic Funds Transfer Disclosure Statement on the web which discloses important information concerning your rights and obligations.

To EZ-Pay Application



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