USER AGREEMENT

By clicking "I accept," the customer initiating a Payment Instruction (the Customer) irrevocably and unconditionally accepts and agrees to all of the following terms and conditions of Customerís use of the electronic Bill Payment System provided by U.S. Payments, L.L.C., an Oklahoma limited liability company (USP) whether initiated by Customer via Internet, telephone, or a payment kiosk.

Special notice for customers in Texas: if you have a complaint, first contact the consumer assistance division of U.S. Payments, LLC, at 877-876-7076, if you still have an unresolved complaint regarding the companyís money transmission activity, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), www.dob.texas.gov.

Notice to Oregon Consumers Only: The User Agreement with U. S. Payments, LLC, d/b/a, PaySite (ďUSPĒ), is hereby amended for Oregon kiosk consumer users only, so that for Oregon consumers the governing law of the USP kiosk User Agreement shall be the laws of the State of Oregon rather than the laws of the state of Oklahoma.

Special notice for customers in Maryland: The Commissioner of Financial Regulation for the State of Maryland will accept all questions or complaints regarding this authorized delegate of U. S. Payments, LLC, at 500 N Calvert Street, Suite 402, Baltimore, Maryland 21202, phone: 888-784-0136.

Notice to New York Consumers Only: The User Agreement includes the following term and provision: Your funds placed in this kiosk for the payment on your Verizon account are given immediate credit by U. S. Payments, LLC against your Verizon account in the amount of the funds placed in the kiosk with your transaction, without recourse to you.

Notice to District of Columbia Consumers Only: Licensed by: Department of Insurance, Securities and Banking, Washington, DC, Phone: (202) 727-8000; http://dc.gov; TTY: 711

Definitions: As used in this User Agreement, the following terms shall have the following meanings:

Bill Payment System means the electronic bill payment system provided by USP.

"Business Day" means Monday through Friday, excluding Federal Reserve holidays.

"Cutoff Time" refers to the time, as determined by the payee, on any Business Day and is the time by which Customer must transmit Payment Instructions to have them considered entered on any given business day.

"Enrollment Information" means the information provided by Customer to USP in order for a bill payment to be made to the Payee (such as, but not limited to, the Payeeís name, the Customerís account number with the Payee; and the intended payment date).

"Payee" means the person or entity to which the Customer directs a bill payment.

Payment Account means the Customerís financial resource from which Customer authorizes payment to be made (credit card, financial institution account, debit card, etc.).

"Payment Instruction" means Customerís authorization to USP to initiate a bill payment on Customerís behalf.

"Scheduled Payment Date" means the Business Day of Customerís choice upon which Customerís bill payment will be made and Customerís Payment Account will be initiated.

Payment Service. When USP receives a Payment Instruction, Customer authorizes USP to make the payment on Customerís behalf and remit funds on Customerís behalf so that the funds arrive as close to the Business Day designated by Customer as is commercially reasonably possible. For normal payment transactions in which the Payment Instructions occur before the Cutoff Time, the payee will be notified of Users payment and the payment will clear Users Payment Account the next Business Day. Customer cannot cancel a transaction once Customer submits Customerís Payment Instruction.

USP will use commercially reasonable efforts to make all Customer payments properly. However, USP shall incur no liability if it is unable to complete any payments initiated by Customer because of the existence of any one or more of the following circumstances:

1. Users Payment Account does not contain or Customer does not otherwise provide sufficient funds to complete the transaction which is the subject of the Payment Instruction or, when applicable, the transaction would exceed the credit limit of Users credit card or debit card.

2. The USP bill payment processing center is not working properly and Customer knows or has been advised of the malfunction before Customer executes the transaction.

3. The Payee mishandles or delays a payment.

4. Customer has not provided USP with the correct Enrollment Information.

5. Circumstances over which USP has no control including, but not limited to: acts of God, war riot, civil disobedience or similar events of insurrection, governmental or court orders, regulatory or legislative changes by any local, state or federal governmental agency, strikes, work stoppages, large scale technical malfunctions, including, but not limited to, loss of access to the Internet, loss of access to the Federal Reserve System, prolonged outages of phone lines, electricity, or other similar occurrences or circumstances which may prevent the proper execution of the transaction.

Funds Transmission. USP hereby notifies customer and customer acknowledges that the transmission of funds as may be required to complete Customerís Payment Instruction and pay customer authorized USP transaction charges will be accomplished by USPs utilization of one or more national or state charted banking institutions. USPs utilization of others to accomplish the transmission of funds as may be required to complete Customerís Payment Instruction and to pay Customer authorized USP transaction charges shall not alter USPs obligations and liabilities to Customer.

Limitation of Liability and Customer's Sole Remedy. In the absence of any of the circumstances set forth above, it shall be USPs responsibility to correct any transactions not completed in accordance with Customerís Payment Instructions. In the event that USP is unable to correct the transaction, it shall promptly refund the amount of funds received from Customer and this refund shall constitute Customerís sole remedy. In no event shall USPs liability to Customer ever exceed the amount of funds that USP receives from Customer for a bill payment. THE FOREGOING SHALL CONSTITUTE USPíS ENTIRE LIABILITY AND CUSTOMERíS EXCLUSIVE REMEDY. IN NO EVENT SHALL USP BE LIABLE FOR ANY OTHER LOSS, INJURY, OR DAMAGES, WHETHER DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR EXEMPLARY, INCLUDING LOST PROFITS (EVEN IF ADVISED OF THE POSSIBILITY THEREOF) ARISING IN ANY WAY OUT OF CUSTOMERíS USE OF THE USP BILL PAYMENT SERVICE. EXCEPT AS OTHERWISE EXPLICITLY SET FORTH HEREIN, USP SPECIFICALLY DISCLAIMS AND CUSTOMER UNDERSTANDS USP MAKES NO WARRANTIES OR REPRESENTATIONS OF ANY KIND, EXPRESSED OR IMPLIED AND THE SAME ARE HEREBY EXCLUDED FROM THE TERMS OF THIS USER AGREEMENT.

Errors and Questions. In case of errors or questions about Customer transactions, Customer should contact USP as soon as possible:

E-mail USP at research@uspayments.com.

Telephone USP at (918) 728-3800 during normal customer service hours; or

Write USP at:

US Payments, LLC
Attn: Customer Service Department
1800 S. Baltimore Avenue
4th Floor
Tulsa, OK 74119

Charges. Transaction charges will vary dependent upon the Payee. Charges will be disclosed to Customer prior to Customerís payment instruction and by submitting Users payment instructions Customer agrees to pay USP these transaction charges.

Privacy of Information. Customer acknowledges that USP will receive certain of Customerís private financial information in connection with Customerís use of the USP System. USP will not rent, sell or otherwise make available to any third party for any reason any of USPíS private and confidential information that personally identifies Customer, Customerís Payment Account or payments Customer makes through USP, other than as required to provide the information necessary to effectuate Customerís transaction or to otherwise comply with applicable laws, rules or regulations, including government agencies or court orders, unless Customer expressly agrees otherwise. Customer acknowledges that the payees whose bills Customer pays using USP may have their own privacy policies that are not controlled by USP.

Governing Law. This User Agreement shall be governed by the law of the State of Oklahoma without regard to that state's conflicts of laws provisions and by applicable Federal laws and regulations.

Dispute Resolution -- BINDING ARBITRATION. Any claim or dispute ("Claim") by either Customer or USP against the other, or against the employees, agents or assigns of the other, arising from or relating in any way to this User Agreement or Customerís use of the USP Bill Payment System (whether arising under a constitution, statute, common law, or equity, contract, tort, intentional or otherwise, and whether pre-existing, present or future, including all initial claims, counter-claims, and third party claims, and whether for money damages, penalties or declaratory or equitable relief), including Claims regarding the applicability of this User Agreement or the validity of this User Agreement or Dispute Resolution provision shall be resolved, upon the election of either of us, by binding arbitration. The arbitration shall be conducted by one of the following three arbitration administrators, which the party initiating the arbitration shall have the right to select: the National Arbitration Forum; the American Arbitration Association, or JAMS, under the applicable rules, codes or procedures of the selected administrator in effect at the time the Claim is filed. You or USP may, upon approval of the other, substitute another nationally recognized, independent arbitration organization that uses a similar code of procedure. It is agreed that the arbitrator will decide who will ultimately be responsible for paying those fees. In no event will Customer be required to reimburse USP for any arbitration filing, administrative or hearing fees in an amount greater than what court costs would have been if the Claim had been resolved in a state court within Customerís jurisdiction. This arbitration agreement shall be governed by the Federal Arbitration Act, 9 U.S.C. Sections 1 16 ("FAA"). Judgment upon any arbitration award may be entered in any court having jurisdiction. If any party requests, the arbitrator shall write an opinion containing the reasons for the award. If any part of this arbitration requirement is found to be invalid or unenforceable under any law or statute consistent with the FAA, the remainder of this arbitration provision shall be enforceable without regard to such invalidity or unenforceability.

No Claim may be joined with another lawsuit or in any arbitration with a Dispute of any other person or resolved on a class wide basis. USP and Customer mutually and explicitly agree that resolution of any dispute arising by virtue of Customerís use of the USP services or arising by virtue of this User Agreement would not be appropriate for resolution by means of class action litigation.

THE RESULT OF THIS DISPUTE RESOLUTION PROVISION IS THAT CLAIMS CANNOT BE LITIGATED IN COURT, INCLUDING SOME CLAIMS THAT COULD OTHERWISE HAVE BEEN TRIED BEFORE A JURY. USP AND CUSTOMER EACH MUTUALLY IRREVOCABLY AND UNCONDITIONALLY KNOWINGLY WAIVE AND RELINQUISH ANY RIGHT TO LITIGATE SUCH CLAIMS IN A COURT BEFORE A JUDGE OR A JURY OR TO PARTICIPATE IN ANY MANNER WHATSOEVER IN ANY CLASS ACTION LITIGATION AGAINST ONE ANOTHER AND MUTUALLY AGREE THAT NEITHER USP NOR CUSTOMER SHALL EVER INITIATE OR PARTICIPATE IN ANY CLASS ACTION LITIGATION ONE AGAINST THE OTHER -- THE PARTIES HERETO HAVING AGREED INSTEAD TO RESOLVE ALL DISPUTES THROUGH BINDING ARBITRATION.

Entire Agreement. This User Agreement is the complete and exclusive agreement between Customer and USP. In the event of a conflict between this Agreement and any other agreement or disclosure related to Customerís Payment Account or any statement by any employee or agent, this User Agreement will control.

Acceptance. Customerís touch of the "Accept" button and initiation of any Payment Instruction indicates Customerís irrevocable affirmation that Customer has read, understands, accepts and agrees to the terms of this User Agreement.

SMS TERMS AND CONDITIONS

Note. All carriers including T-Mobile are not liable for delayed or undelivered messages.

U.S. Payments Receipt Messaging - 32075

Program Description. The U.S. Payments Receipt Messaging program provides ďon requestĒ payment receipt information to a customerís mobile device. Supported Carriers. U.S. Payments Receipt Messaging is supported by all major carriers, including Alltel, AT&T, Sprint, T-Mobile, and Verizon Wireless.

Cost. To use this SMS program, message and data rates may apply. Charges are dependent on your service plan which may include fees from your carrier to send and receive text messages.

Message Frequency. Messages will only be sent in response to your request.

How to Opt-Out. Since our service is only available on request, opting out is not necessary. Simply do not enter your number again.

Support/Help. To request support at any time, text Receipt Messaging HELP to 32075 or contact 877-876-7076.

PaySiteģ Text Promotions- 20691

Program Description. PaySite Text Promotions allows mobile subscribers to sign up for the PaySite text list and receive in-store promotions direct to the subscriberís phone.To Opt-Out text STOP to 20691. Subscribers may receive in-store promotions in following months, maximum 1 text per month.

Supported Carriers. PaySite Text Promotions is available on the following carriers:

Alltel, Appalachian Wireless, AT&T, Bluegrass Cellular, Boost Mobile, Cellcom, Cellular South, Centennial Wireless, Cincinnati Bell, GCI, Immix Wireless, Inland Cellular, IV Cellular, Nex-Tech Wireless, Nextel Communications, nTelos, Metro PCS, Sprint, T-Mobile, U.S. Cellular, United Wireless, Verizon Wireless, Virgin Mobile USA, and West Central Wireless.

Cost. There are no premium charges for joining the list of PaySite Text Promotions subscribers , however Msg&Data rates may apply.

Message Frequency. If you opt-in to receive alerts or info from PaySite Text Promotions, you will receive a maximum of one message per month.

How to opt-out of our service. To opt-out of the PaySite Text Promotions subscriber list; text STOP to 20691.

Support/Help. For support or information about our PaySite Text Promotions, text HELP at any time to 20691.You can also email us at research@uspayments.com or call us at 877-876-7076.

Privacy Policy. U.S. Paymentsí top priority is the privacy of our users. The following is provided to address any concerns you may have.