<p>
    <a href="https://www.bill2pay.com/">
        <strong>
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                alt="A picture containing drawing

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                width="120"
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        </strong>
    </a>
    <strong></strong>
</p>
<p>
    <strong> </strong>
</p>
<p>
    <strong>Bill2Pay’s Terms and Conditions</strong>
</p>
<p>
    <strong>ACCEPTANCE OF TERMS</strong>
</p>
<p>
    The following terms and conditions apply to all users of any Bill2Pay
    product and govern access to and use of this site and any Bill2Pay product.
    By using Bill2Pay's products, you acknowledge and agree to be bound by
    these terms and conditions and applicable laws.
</p>
<p>
    <strong>BILL2PAY PRODUCTS</strong>
</p>
<p>
    Bill2Pay's products enable you to make payments for services or bills
    electronically. Depending on the payment methods enabled by the business
    whose bills you are paying, you may be able to make payments by eCheck,
    credit card and/or debit card through interactive telephone voice response
    system (IVR), Europay, Mastercard and Visa (EMV) device, mobile
    application, or the Bill2Pay website.
</p>
<p>
    <strong>CONDITIONS FOR USE</strong>
</p>
<p>
    By accepting these Terms and Conditions or otherwise using Bill2Pay's
    products, you affirm:
</p>
<ul type="disc">
    <li>
        You are not a third party, such as a debt consolidator or bill payment
        aggregator, making payments on a commercial entity's or residential
        consumer's behalf and you are the legal owner of the payment or bank
        accounts.
    </li>
    <li>
        You have not misrepresented your identity.
    </li>
    <li>
        You have not and will not share your Account Credentials with any third
        party and will not use another party's Account Credentials.
    </li>
    <li>
        The information you provide is true, accurate, current and you are of
        legal age to use Bill2Pay's products.
    </li>
    <li>
        You will not charge-back a legitimate payment transaction and
        understand that if you do, your right to use Bill2Pay's products for
        future payments may be revoked.
    </li>
    <li>
        Your use of Bill2Pay's products will not violate any card brand
        regulations or violate any Federal, State, and Local law.
    </li>
	<li>
	You are not making payment in any manner that results in benefits to any third party other than the customers for which Bill2Pay may be required to pay transactional fees.
	</li>
</ul>
<p>
    As a user of Bill2Pay's products, you may be submitting bank account
    information, card information or other personal information such as your
    e-mail address and phone number to Bill2Pay. You are responsible for any
    legal, regulatory, or banking penalties and fees that may result from
    supplying false information to Bill2Pay. Depending on configuration, you
    may use Bill2Pay's products to make payments on consumer and/or commercial
    accounts. If the account used to make a payment is a banking or card
    account for your business, you must be an authorized signer on that
    account.
</p>
<p>
    By using Bill2Pay's products to send payment instructions to Bill2Pay, you
    authorize Bill2Pay to send a message to your banking institution, card
    provider or financial network to charge your account and to send those
    funds to the designated bank account of the business whose bill you are
    paying.
</p>
<p>
    <strong>PAYMENT RESTRICTIONS</strong>
</p>
<p>
    Your payment account or your cash payment may be blocked from acceptance if
    Bill2Pay determines the payment poses risks to Bill2Pay's business.
    Bill2Pay may impose limits in terms of the number of payments made or the
    value of a transaction in accordance with any of the following: limitations
    established by payment brands, limitations established by retailers,
    payment processors, or Bill2Pay's risk policy.
</p>
<p>
    Use of Bill2Pay's product is subject to applicable laws and all applicable
    rules of any clearinghouse or payment network involved in collecting or
    processing your payment.
</p>
<p>
    <strong>FEES</strong>
</p>
<p>
    In consideration of the use of Bill2Pay's products, you agree to pay a
    service fee, also known as a convenience fee, for each transaction you
    initiate. The applicable fee will be provided to you prior to your final
    authorization of the transaction. If you are paying by card or by your bank
    account, your card will be charged, or your bank account debited, for the
    payment amount plus the service fee, or a separate amount depending on the
    configuration. In addition, if you are paying by card and the card issuer
    charges Bill2Pay a fee to process your payment, Bill2Pay reserves the right
    to pass that charge along to you, which includes any party using Bill2Pay's
    products on your behalf (whether authorized or otherwise). You agree to
    have sufficient funds available to pay your payment amount and the service
    fee. If any payment is returned unpaid from your financial institution for
    any reason, you may be charged a return payment fee. The above referenced
    fees do not include charges that may be assessed by your card issuer, or
    your receiving bank, based on the terms of the agreement you may have with
    those entities, and Bill2Pay will not be liable for any recoupment of fees
    assessed to you. Bill2Pay is only responsible for usual and customary fees
    for processing individual payments. Excessive fees will be billed to the
    transaction presenter.
</p>
<p>
    <strong>OVERPAYMENT</strong>
</p>
<p>
    If your payment is returned for any reason, you may be liable for a return
    payment fee. If a refund is allowed, it will be processed to the same
    payment account that the payment came from.
</p>
<p>
    If your card issuer is not located in the United States, and if a
    transaction is a chargeback, you will be responsible for the actual amount
    of the chargeback transaction which may be greater than the amount of the
    initial transaction due to currency conversion.
</p>
<p>
    <strong>MIS-CONFIGURED TRANSACTIONS</strong>
</p>
<p>
    Incorrectly or mis-configured transactions can and will be rejected or
    declined without notice to the presenter and considered an attempt to harm
    Bill2Pay and others by nefarious means. Under uncertain or questionable
    circumstances, customer accounts cannot be updated.
</p>
<p>
    <strong>UNAUTHORIZED USE</strong>
</p>
<p>
    Bill2Pay's products are provided for legitimate business purposes only. Any
    actual or attempted unauthorized access, use or modification of this system
    is prohibited. The use of these products may be monitored for security
    reasons. Anyone accessing these products expressly consent to such
    monitoring and is advised that if such monitoring reveals evidence of
    criminal activity or malicious intent, Bill2Pay may provide evidence of
    such activity to law enforcement officials.
</p>
<p>
    You acknowledge and agree that you are solely responsible for protecting
    your account login, username, password, and any other similar credentials
    that Bill2Pay provides you, or you otherwise create, as an account holder
    in connection with your use of Bill2Pay's products and services
    (collectively, "Account Credentials"). You shall not provide your Account
    Credentials to any third party, including, without limitation, debt
    consolidators or bill payment aggregators, and shall use your best efforts
    to prevent unauthorized use of Bill2Pay's products and services or your
    account. You shall promptly report to Bill2Pay any suspected unauthorized
    use or other breach of security. You shall be responsible for any
    unauthorized use of your account, identification numbers or passwords until
    we receive written notice of a breach of security and a request to block
    further access for such numbers and passwords. Bill2Pay shall not be liable
    for any unauthorized use of payment accounts.
</p>
<p>
    <strong>RIGHT TO RESTRICT OR TERMINATE ACCESS</strong>
</p>
<p>
    Bill2Pay may deny or restrict your access to all or part of Bill2Pay's
    products and services without notice in its reasonable discretion if it
    deems that you have engaged in any conduct or activities that Bill2Pay in
    its reasonable discretion believes violates the letter or spirit of any of
    these terms. If Bill2Pay denies or restricts your access to its products or
    services because of such a violation, you shall have no right to obtain any
    refund or credit for the subscriptions fees you have paid.
</p>
<p>
    Following termination, you shall immediately cease use of Bill2Pay's
    products and services and any license granted to you under any agreement
    related to your use of such products or services shall immediately
    terminate. Upon termination, Bill2Pay reserves the right to delete all of
    your data and other information stored on Bill2Pay's servers. Bill2Pay will
    not be liable to you or any third party as a result of the termination of
    these terms or such products or services or for any actions taken by
    Bill2Pay pursuant to these terms as a result of such termination.
</p>
<p>
    Any sections or terms which by their nature should survive or are otherwise
    necessary to enforce the purpose of these Terms, will survive the
    termination of these Terms and termination of the Services. Termination of
    these Terms or the Services does not relieve you from your obligation to
    pay Bill2Pay any amounts owed to Bill2Pay.
</p>
<p>
    <strong>DISCLAIMER</strong>
</p>
<p>
    YOUR USE OF BILL2PAY'S PRODUCTS AND SERVICES IS AT YOUR SOLE RISK. ALL
    PRODUCTS AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS,
    WITHOUT WARRANTIES OF ANY KIND, EXPRESS, STATUTORY OR IMPLIED, INCLUDING
    WITHOUT LIMITATION, ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR
    A PARTICULAR PURPOSE, TITLE, CUSTOM, TRADE, QUIET ENJOYMENT,
    NONINFRINGEMENT, AVAILABILITY OR ACCURACY OF INFORMATION. BILL2PAY DOES NOT
    WARRANT THAT THE PRODUCTS OR SERVICES WILL BE AVAILABLE, WILL MEET YOUR
    REQUIREMENTS OR WILL OPERATE IN AN UNINTERRUPTED, ERROR-FREE OR COMPLETELY
    SECURE MANNER OR THAT ERRORS OR DEFECTS WILL BE CORRECTED. BILL2PAY DOES
    NOT MAKE ANY REPRESENTATIONS, WARRANTIES, OR CONDITIONS REGARDING THE USE
    OR THE RESULTS OF THE USE OF THE SERVICES, IN TERMS OF THEIR ACCURACY,
    RELIABILITY, TIMELINESS, COMPLETENESS, OR OTHERWISE.
</p>
<p>
    <strong>LIMITATION OF LIABILITY</strong>
</p>
<p>
    In no event shall Bill2Pay be liable for any special, indirect, punitive,
    or consequential damages. Bill2Pay's total liability for damages related to
    any Bill2Pay product shall be limited to the greater of the specific dollar
    amount of the service/convenience fee paid to Bill2Pay for the specific
    payment transaction which is the subject matter of the claim for damage or
    one hundred dollars ($100). Subject to any applicable law to the contrary,
    you agree that any cause of action arising out of or related to the use of
    our products and services must be commenced within one (1) year after the
    cause of action accrues, or such action will be permanently barred. Each
    provision of these terms that provides for a limitation of liability,
    disclaimer of warranties, or exclusion of damages is to allocate the risks
    of this agreement between the parties. This allocation is reflected in the
    pricing offered by Bill2Pay to you and is an essential element of the basis
    of the bargain between the parties. Each of these provisions is severable
    and independent of all other provisions of these terms.
</p>
<p>
    <strong>CHANGES TO THE TERMS</strong>
</p>
<p>
    Bill2Pay may add to, change or remove any part of these terms, at any time
    without prior notice to you other than listing of a later effective date
    than the one set forth at the top of these terms. Such modification shall
    be effective immediately upon Bill2Pay posting the updated terms. As your
    next use of Bill2Pay's products or services may be governed by different
    terms, Bill2Pay encourages you to look for a new effective date on these
    terms when you use Bill2Pay's products and services. If Bill2Pay makes any
    material changes to these terms, we will endeavor to provide account
    holders with additional notice of any changes, such as at your e-mail
    address of record or when you log-in to your account.
</p>
<p>
    <strong>GENERAL PROVISIONS</strong>
</p>
<p>
    These terms constitute the entire agreement between Bill2Pay and you with
    respect to your use of Bill2Pay's products and services. These Terms shall
    be governed by, and construed in accordance with, the laws of the state of
    Georgia, without reference to its choice of law rules. Exclusive venue for
    any action arising out of or in connection with this agreement shall be in
    Atlanta, Georgia. The parties each hereby consent to the jurisdiction and
    venue in Atlanta, Georgia and waive any objections to such jurisdiction and
    venue. Notwithstanding the foregoing, you agree that Bill2Pay shall be
    entitled to apply for injunctive remedies or other equitable relief in any
    jurisdiction.
</p>
<p>
    If any portion of these terms is found to be unenforceable or invalid for
    any reason, that provision will be limited or eliminated to the minimum
    extent necessary so that the rest of these terms will otherwise remain in
    full force and effect. You may not assign or sublicense your rights or
    obligations under these terms without the prior written consent of Bill2Pay
    in its sole discretion. Any unauthorized attempt to assign or sublicense is
    voidable at Bill2Pay's discretion. You agree that Bill2Pay's failure to
    insist upon or enforce any provision of these terms shall not be construed
    as a waiver of any provision or right. Any sections or terms which by their
    nature should survive or are otherwise necessary to enforce the purpose of
    these terms, will survive the termination of these terms and termination of
    Bill2Pay's provisions of its products or services.
</p>
<p>
    Except as otherwise expressly set forth herein, there shall exist no right
    of any person, other than you and Bill2Pay, to claim a beneficial interest
    in Bill2Pay's products or services, these terms, or any rights occurring by
    virtue of these terms. No independent contractor relationship, partnership,
    joint venture, employer-employee or franchise relationship is created by
    this Agreement.
</p>
<p>
    Effective Date: June 21, 2019
</p>
<p>
    <strong>COPYRIGHT NOTICE</strong>
</p>
<p>
    Copyright @ 2019 <a href="https://www.bill2pay.com">Bill2Pay</a>, LLC. All
    rights reserved.
</p>