These Terms and Conditions ("Terms") govern your use of the payment service through BEFTN Auto-Debit ("Service") provided by UCB Asset Management ("we," "us," "our"). By utilizing this Service, you agree to comply with and be bound by these Terms. If you do not agree with any part of these Terms, you may not use the Service. 1. Enrollment and Authorization 1.1. By enrolling in the BEFTN Auto-Debit service, you authorize us to initiate debit entries to your designated bank account for the purpose of processing payments as instructed by you. 1.2. You represent and warrant that you are the owner of the bank account provided for enrollment and that you have the authority to authorize transactions from that account. 2. Auto-Debit Payments 2.1. BEFTN Auto-Debit allows us to automatically debit your bank account for payments, such as recurring bills, subscription fees, loan repayments, or other authorized charges. 2.2. You are responsible for ensuring that there are sufficient funds in your bank account to cover the auto-debit transactions. You agree that we are not liable for any overdraft fees or other charges incurred due to insufficient funds. 3. Authorization and Authentication 3.1. You agree to provide accurate and complete information when authorizing payments through the Service. 3.2. You are responsible for maintaining the confidentiality of any credentials, passwords, or access codes associated with your account and for ensuring that they are not disclosed to unauthorized parties. 4. Transaction Limits and Fees 4.1. We may impose transaction limits or fees on the use of the Service, which will be disclosed to you prior to initiating any transaction. 4.2. You agree to pay any applicable fees associated with the use of the Service, as outlined in our fee schedule. 5. Liability 5.1. We are not liable for any losses or damages resulting from your use of the Service, including but not limited to unauthorized transactions, errors, delays, or interruptions in service. 5.2. You agree to indemnify and hold us harmless from any claims, liabilities, damages, or expenses arising out of or in connection with your use of the Service. 6. Changes to Terms 6.1. We reserve the right to modify or update these Terms at any time. Any changes will be effective immediately upon posting on our website or providing notice to you. Your continued use of the Service after any such changes constitutes acceptance of the revised Terms. 7. Contact Us 9.1. If you have any questions or concerns about these Terms or the Service, please contact us at support@ucbaml.com By using the BEFTN Auto-Debit service, you acknowledge that you have read, understood, and agree to be bound by these Terms.