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AUTOMATED CLEARING HOUSE (ACH) CUSTOMER-INITIATED PAYMENI'S Our ACH Customer-Initiated Payments service allows your consumer or business customers to pay you for goods or services by using your website. Your customers can authorize payments to you through commands on your website or by touch-tone or voice commands on the telephone. Detailed information regarding this Service is available in the applicable User Documentation. Payments will be made by creation of an ACH Entry to credit your account with us and will be subject to the provisions of our Automated Clearing House Services. You act as the Originator, your customer acts as the Receiver and we act as the ODFI with respect to the Entries. You walTant that you have obtained appropriate authorization from each Receiver and that Entries conform to such authorization and comply with the NACHA Rules. You also make to us the same warranties as we make with respect to Entries under the NACHA Rules. CASHP AYQO Our CashPaY@ Service allows you to pay your employees and other payees by directly depositing payments to their CashPay accounts. Your payees can immediately access their money through A TMs and point of sale (POS) terminals. CASHPAY FUNDING OPTIONS You may fund the CashPay accounts in one of two ways: by initiating Entries tJu'ough the Automated Clearing House (ACH) system or, upon our approval, by instructing us to transfer funds from a deposit account you maintain with us. (ACH Services are governed by the ACH section of this Booklet.) If you choose to pay by the transfer of funds from your account with us, we will debit your account following receipt of your payment instructions in a mutually agreed-upon format and method. You must have sufficient Collected and Available Funds in your account to cover the transfer amount. In the event that sufficient funds are not available at the time of settlement, you agree that we may take steps to protect ourselves, including refusing to fund CashPay accounts and terminating the CashPay Service (which will not affect funds previously transferred to CashPay accounts), without incurring any liability to you or your payees. CERTIFICATION OF ENROLLMENT INFORMATION You must provide us information for each payee who wishes to open a CashPay account. Each time you provide us with such information or initiate a transfer of funds to a CashPay account, you certify that the following statements are true and accurate as of such date: · The payee is entitled to receive payments issued by you, and is otherwise qualified to participate in the CashPay program. · All information provided by you about the payee is correct, including but not limited to the payee's date of birth, address, and social security number or other identifying information contained in another fonn of identification issued by a governmental entity. AD-AG-0455B (2004-2) 11