1. Account Automatic Payments Terms

Payment Terms & Conditions

AUTOMATIC PAYMENT AGREEMENT

This Agreement governs your use of our Automatic Payment Service ("Service") in which you may authorize recurring payments from your checking or other deposit account ("Payment Account") to a Credit Account ("Credit Account") with us. If you enroll in the Service for Credit Accounts provided by more than one seller, references to "us" or "we" in connection with a particular payment transaction will refer to the seller that extended credit on the Credit Account being paid. For purposes of this Agreement, our "business days" are Monday through Saturday, but federal holidays are not included.

PAYMENT AUTHORIZATION

By requesting a recurring payment in the Service, you authorize us and the bank or other financial institution holding or issuing your Payment Account to debit your Payment Account in the amount of the payment and apply the funds to your Credit Account. Each monthly payment will equal the Minimum Amount Due (Scheduled Payment plus and Past Due amount) on your account. You may terminate this authority only with respect to future transactions, and only (i) with respect to particular payments as described in the next section on Stopping Payments, or (ii) by giving us notice to cease regular payments entirely, in which case we will have a reasonable time to process your request. Your recurring payment will be processed each month on your scheduled Due Date. The Due Date and the Minimum Payment Amount will be disclosed on the previous month’s billing statement. If the Due Date falls on a day on which payments are not processed (weekends, bank holidays or others), the payment will be processed on the next business day following your Due Date. This Agreement will remain in effect for 90 days after your Credit Account is paid to a zero balance, unless terminated by you or us. If you use the Credit Account during the 90 days, payments through the Service will continue as before. You will receive notice on your Credit Account statement that your scheduled payment will be made on your Payment Date.

STOPPING PAYMENTS

You can suspend the use of the Service for an INDIVIDUAL payment on your account.

PLEASE NOTE: Stopping anindividual payment from being made through the Service does not suspend the need to make the payment. If you do not make the required monthly payment through some other means you will incur additional finance charges and may be subject to a late payment fee. Also, your next payment made through the Service will equal the Minimum Amount Due (Scheduled Payment plus and Past Due amount) on your account. To suspend the use of the Service for an individual payment, call us at 800-966-4449, or write us at 1112 7th Ave, Monroe, WI 53566-1364, or log in to your account at our website. Your request to suspend the service for one payment must be received three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. Payments made through the Service may vary in amount, based on your use of the Credit Account. Your payment amount will equal the Minimum Payment Due (Scheduled Payment plus and Past Due amount) on your Credit Account. The Minimum Payment Due will be shown on your Credit Account statement, which will be sent to you at least ten (10) days before your designated Payment Date. If you order us to stop one of these regular payments 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. Except for regular payments as described in this section, you will not have the right to stop a payment after you authorize it through the Service.

ERRORS AND QUESTIONS

ALL QUESTIONS ABOUT PAYMENTS MADE WITH THE SERVICE MUST BE DIRECTED TO US AND NOT TO THE BANK OR OTHER FINANCIAL INSTITUTION WHERE YOU HAVE YOUR DEPOSIT ACCOUNT. We are responsible for the Service and for resolving any errors in transactions made with the Service. Payments made using the Service will be reflected on your next monthly account billing statement. If you have any questions about one of these transactions, call or write us at the telephone number and address indicated below.

IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC PAYMENT TRANSACTIONS

Telephone us at 800-966-4449 or write us at 1112 7th Ave, Monroe, WI 53566-1364, as soon as possible, if you think that any payment made through the Service as listed on your billing statement is wrong, or you need more information about it. We must hear from you no later than sixty (60) days after you received the FIRST account statement on which the problem or error appeared. You must:

  1. Tell us your name, Credit Account number and Payment Account number;
  2. Describe the error or the transaction you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information; and
  3. Tell us the dollar amount of the suspected error.

If you tell us verbally, we may require that you send your complaint or question in writing within ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you, and will correct any error promptly. If we need more time, however, we may take up to forty-five (45) days to investigate the complaint or question. If we decide to do this, we will credit your Payment Account within ten (10) business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete the investigation. If we ask you to put your complaint or question in writing and we do not receive it within ten (10) business days, we may not credit your Payment Account. We will tell you the results within three (3) business days after completing our investigation. If we decide there was no error, we will send you a written explanation. You may ask for copies of documents that we used in the investigation.

YOUR LIABILITY FOR UNAUTHORIZED TRANSFERS

Tell us AT ONCE if you believe that the Service has been used without your permission to transfer funds from your Payment Account. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your Payment Account (plus your maximum overdraft line of credit, if applicable). If you do NOT tell us within four (4) business days after you learn of the loss or theft of your Password, and we can prove that we could have stopped someone from using your Password without your permission if you had told us, you could lose as much as $500. Also, if your Deposit Account statement shows a transfer that you did not make, tell us at once. If you do not tell us within ninety (90) days after the statement was mailed to you, you may not get back any money you lost after the ninety (90) days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

LIABILITY FOR FAILURE TO PROCESS PAYMENTS

We will use our best efforts to process properly all of your payment requests in the Service. If we do not complete a payment on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages to the extent required by federal law. However, there are some circumstances where we will not be liable. We will not be liable, for instance:

  1. If, through no fault of ours, you do not have enough money in your account to make the transfer;
  2. If the financial institution holding your Deposit Account refuses or is otherwise unable to honor a debit that has been originated by you through us and returns that transaction to us unpaid, through no fault of ours;
  3. If the electronic payment processing center is not working properly and you know or have been advised about the malfunction before you execute the transaction;
  4. If you have not provided us with your correct Deposit Account information, or did not give us payment instruction in accordance with the terms of our agreement;
  5. If circumstances beyond our control (such as, but not limited to, fire, flood, or interference from an outside force) prevent the proper execution of the transaction, despite reasonable precautions that we have taken.
CONFIDENTIALITY

We will disclose information to third parties about transfers you make using the Service:

  1. Where it is necessary for completing transfers, or
  2. In order to comply with government agency or court orders, or
  3. If you give us your written permission, or
  4. As provided in our privacy policy for the Credit Account (which applies to the Service).
DISPUTES

If there is a dispute regarding the Service, you agree to resolve the dispute under the dispute resolution procedures (including arbitration) in your agreement for your Credit Account, which is incorporated into this Agreement by reference.

TERMINATION

You or we may terminate this Agreement at any time by providing notice to the other. You may terminate the Service by calling us at 800-966-4449, by mailing notice to us at 1112 7th Ave, Monroe, WI 53566-1364, or by logging in to your account at our website. However, termination by you will not be effective until we have time to act on your request. Your enrollment in the Service will be terminated if:

  1. Two consecutive payment transfers are refused by the institution that holds or issues your Payment Account for any reason, including but not limited to lack of sufficient funds in your Payment Account.
  2. You cancel more than two consecutive Service transfers and fail to make the required monthly payment on your Credit Account through other means.
  3. Your Credit Account becomes delinquent, for any reason, by 61 days or more.
MISCELLANEOUS
  1. We reserve the right, from time to time, to modify, delete or add provisions to this Agreement. If we do so, we will provide you with notice required by law.
  2. This Agreement supplements the agreement governing your Credit Account and is governed by the laws of the same state that are chosen to apply that agreement.