Applicability
This Agreement and Initial Disclosures (the "Agreement") governs your use of the Customer Account Online Service. By registering for the Service or using the Service, you agree to the terms of this Agreement. Please read this Agreement carefully and in its entirety. We suggest that you print a copy of this Agreement.

The Service
You may use a personal computer ("PC") to electronically make payments to your Regional Acceptance Account(s) You may also access Account and transaction information among your eligible Account(s). Not all Regional Acceptance accounts are eligible for electronic payments using the Service.

Software and Equipment Requirements
You may access the Service using the Regional Acceptance Website.

Your User ID and Password
You will be asked to provide a valid email address as your personal User ID, and a Password consisting of alpha-numeric characters, which you will use to obtain access to your Account(s) at Regional Acceptance. User ID and Password must not contain any special characters (i.e. asterisk*, or colon :).  If you have multiple accounts, you will use one User ID and password to access all accounts. You authorize us to follow any instructions entered through the Service using your User ID and Password. Because your User ID and Password can be used to access money in your Account(s) and to access information about these Account(s), you should treat your User ID and Password with the same degree of care and secrecy that you use to protect your ATM Security code and other sensitive financial data. We may ask you to change your User ID and Password from time to time for security reasons. You agree not to use any language that is abusive, harassing, libelous, defamatory, obscene, or threatening when defining your User ID or any other personalization of your Account(s).

Sharing Your User ID and Password with Others
You agree not to give or make available your User ID, Password, or account number(s) to any person who is not authorized to access your Account(s). If someone to whom you have granted authority to use your User ID and Password exceeds such authority, you are fully liable for all transfers and payments made by such person until you have notified us that you have terminated the authority granted to such person and have given us a reasonable period of time to act upon such notice. We may require that you put such notice in writing. Upon receipt of such notice, we may require you to immediately change your User ID and Password, and to identify the person or persons you believe to have exceeded such authority. You agree to cooperate with us in the investigation and prosecution of any person who has obtained and used your User ID and Password without your authorization.

Bill Payments
You may make payments through the Service to your Regional Acceptance Account(s) We reserve the right to refuse to allow you to use the Service. Any user of this Service shall comply with all applicable laws and regulations including the laws and regulations administered by the U.S. Treasury Office of Foreign Assets Control (OFAC).

Balance Inquiries
You may use the Service to check the balance of your Accounts. The balances shown may differ from your records because they may not include recent payments, or charges.

Cut-off Time for Payments Made By ATM Card
Payments by ATM Card to Account(s) initiated via the Service by 4:00 p.m. Eastern Time seven days a week, and banking holidays will be effective on the current Business Day. Payments by ATM Card to Account(s) initiated via the Service, and received after 4:00 p.m. Eastern Time seven days a week, and banking holidays will be effective the following Business Day.

Cut-off Time for Payments Made By Credit Card
Payments by Credit Card to Account(s) initiated via the Service by 4:00 p.m. Eastern Time Monday through Friday will be effective on the current Business Day. Payments by Credit Card to Account(s) initiated via the Service, and received after 4:00 p.m. Eastern Time Monday through Friday, or all day Saturday, Sunday, and banking holidays will be effective the following Business Day.

Cut-off Time for Payments Made By Checking Account
Payments by Checking Account to Account(s) initiated via the Service by 3:00 p.m. Eastern Time Monday through Friday will be effective on the current Business Day. Payments by Checking Account to Account(s) initiated via the Service, and received after 3:00 p.m. Eastern Time Monday through Friday, or all day Saturday, Sunday, and banking holidays will be effective the following Business Day.

Fees
A $5.00 electronic processing fee will be charged per transaction when using the Service to pay your Account(s).

Termination
You may terminate your use of the Service at any time by calling Regional Acceptance OnLine Support at 1-866-644-7687 , or by writing to us at Regional Acceptance OnLine Support, 1420-B E. Firetower Road, Greenville, NC 27858 . You must notify us at least ten (10) days prior to the date on which you wish to have your Service terminated. We may require that you put your request in writing.

We may terminate your use of the Service, in whole or in part, at any time without notice. 

Service Hours
OnLine Banking services are available 24-hours a day, seven days a week, except during maintenance periods.

Business Days
Our Business Days are Monday through Friday. Federal Reserve Holidays are not included.

Confidentiality
Subject to applicable law, we will disclose information to third parties about you and your Accounts: (i) where it is necessary for completing payment transactions; or (ii) in order to verify the existence and condition of your Account for a third party, such as a credit bureau; (iii) in order to comply with government agency or court orders; (iv) if you give us permission; (v) as stated in the Privacy Notice; and (vi) as otherwise required or permitted by law or government regulation.

Circumstances beyond our control prevent the proper completion of the transaction despite reasonable precautions by us to avoid these circumstances. Such circumstances include, but are not limited to, fire, flood, delay in U.S. Mail, interruption in your electrical power or telephone, the disconnecting of your telephone line by your local telephone company or from deficiencies in your line quality, or any defect or malfunction of your PC, operating software, modem, or telephone line.

If you have not properly followed the instructions for using the Service.

Error Resolution Notice
In case of errors or questions about your Electronic Payments telephone us at:

1-866-644-7687
Or write:
Regional Acceptance OnLine Support
1420-B E. Firetower Road
Greenville, NC 27858

Contact Regional Acceptance as soon as you can if you think your information regarding a transaction is wrong or you need more information about a transaction. When contacting Regional Acceptance regarding an error resolution, please be prepared to communicate the following information:

1. Your name and social security number or tax identification number.

2. The error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information.

3. The dollar amount of the suspected error.

If you tell us orally, we may require that you send us your complaint or question in writing.

Electronic Messaging
Regional Acceptance OnLine provides you with the ability to send and receive electronic messages to and from us. Please remember that we will not immediately receive an electronic message sent by you. No action will be made on any electronic message you send to us until we actually receive your message and have a reasonable opportunity to act on it.

Electronic messaging CANNOT be used to notify us of lost or stolen User IDs or Passwords. From time to time, we may send important notices to you concerning your use of the Service by electronic messaging. The electronic messaging service may not be used to send or receive eMail messages to or from the general public.

Limitation of Liability
 We are not responsible for any loss, damage, or injury resulting from an interruption in the availability of the Service, or any computer virus that you may encounter using the Service.  We encourage you to routinely scan your PC using a reliable virus protection product to detect and remove viruses from your PC.

EXCEPT AS OTHERWISE PROVIDED IN THIS AGREEMENT OR BY LAW, WE ARE NOT RESPONSIBLE FOR ANY LOSS, INJURY, OR DAMAGE WHETHER DIRECT, INDIRECT, SPECIAL OR CONSEQUENTIAL, CAUSED BY THE SERVICE OR THE USE THEREOF OR ARISING IN ANY WAY OUT OF THE INSTALLATION, USE OR MAINTENANCE OF THE FINANCIAL SOFTWARE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR LOSSES.  REGIONAL ACCEPTANCE MAKES NO WARRANTY, EXPRESS OR IMPLIED, TO YOU CONCERNING THE SERVICE, THE FINANCIAL SOFTWARE, EQUIPMENT, BROWSER OR OTHER SERVICES INCLUDING, BUT NOT LIMITED TO ANY WARRANTY OF MERCHANTABILITY OR FITNESS FOR PARTICULAR PURPOSE OR NON-INFRINGEMENT OF THIRD-PARTY RIGHTS, UNLESS DISCLAIMING SUCH WARRANTY IS PROHIBITED BY LAW.

Entire Agreement
This Agreement, constitutes the complete and exclusive agreement related to the Service, and supplements the Software License Agreements, and any other agreement or disclosure related to your Accounts. In the event of a conflict between this Agreement and any other agreement or disclosure related to your Accounts or any statement by our employees or agents, this Agreement shall control as to the subject matter addressed herein.

Waivers
No delay or omission by us in exercising any rights or remedies hereunder shall impair such right or remedy or be construed as a waiver of any such right or remedy. Any single or partial exercise of a right or remedy shall not preclude further exercise or the exercise of any other right or remedy. No waiver shall be valid unless in writing and signed by us.

Assignment
You may not assign this Agreement to any other party. We may assign this Agreement or delegate any or all of our rights and responsibilities under this Agreement to any third parties.

Governing Law
This Agreement shall be governed by and construed in accordance with the laws of North Carolina, without regard to that state's conflict of laws provisions.

Amendments
We may amend this Agreement from time to time by giving you written or electronic notice. The notice may state that there has been a change in this Agreement and that changes have been posted on our web site, or instruct you to call 1-866-644-7687 to request a copy. Continued use of the Service following notice of amendment constitutes acceptance of any amendments to this Agreement.

Severability
If any provision of this Agreement is determined to be void or invalid, the remainder of this Agreement shall remain in full force and effect.