Legal Information

Luebke Baker & Associates, Inc. believes the information contained in this Web Site to be correct and accurate as of the date of creation; however, Luebke Baker & Associates, Inc. does not represent, warrant or guarantee its accuracy or completeness.

Any link to another site from this site does not imply endorsement of the site, the site’s sponsor or any products or services offered on or through such site.

Luebke Baker & Associates, Inc. is unable to ensure that information submitted electronically may not be intercepted by third parties, even though security features are utilized. Luebke Baker & Associates will not be liable should such interception occur.

Luebke Baker & Associates, Inc. Bill Pay Agreement

This is your bill paying Agreement with Luebke Baker & Associates, Inc. You agree to be bound by the terms and conditions of this agreement.

The Bill Paying Process

You agree to have available and collected funds on deposit in the account you designate in amounts sufficient to pay for all bill payments requested, as well as, any other payment obligation you have to Luebke Baker & Associates, Inc.

Liability

You are liable for all transaction you make or that you authorize another person to make even if that person exceeds his or her authority. In any event Luebke Baker & Associates, Inc. will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in connection with this Agreement or any services provided by Luebke Baker & Associates, Inc. Luebke Baker & Associates, Inc. will incur no liability if LBA is unable to complete a payment requested by you if 1) Sufficient funds are not available in your designated payment account 2) the merchant mishandles or delays a payment processed by LBA or 3) you have provided inaccurate information regarding you bank checking account.

Amendment & Termination

LBA has the right to change this Agreement at any time by notice mailed to you at the last address shown for the Account on LBA’s records, by posting notice on the LBA website, or as otherwise permitted by law.

Amendment & Termination – continued

LBA has the right to terminate this Agreement at any time. You may terminate this Agreement by written notice to LBA. LBA is not responsible for any fixed payment made before LBA has a reasonable opportunity to act on your termination notice. You remain obligated for any payments made by LBA on your behalf.

Changes in Address or Banking Relationship

You agree to notify LBA in writing, in a timely manner of any change in your address. Additionally, you agree to notify LBA, in writing, at least ten (10) Business Days in advance of a change in the checking account from which payments are being made, or your banking relationship.

Fees and Charges

Additional fees, when applicable, will be assessed at the time the service is provided.

Disclosure of Account Information to Third Parties

LBA will treat your account information as confidential. However, if necessary we will disclose information about your account to Third Parties if:

1. It is necessary to complete the transaction
2. In order to verify the existence and condition of your account
3. To a consumer reporting agency for research purposes only
4. In order to comply with a governmental agency or court order
5. If you give us your written permission

Electronic Messages

Because normal e-mail may not be secure, you agree to contact us electronically only through the message key “button” provide in the task list on your LBA website function access screen. You also agree to receive communications electronically through the same connection. You are deemed to have received such messages when they are made available to you.

Business Days

Our normal business days are Monday through Friday, except for Saturdays and some holidays.

Error Resolution Notice

In case of errors or questions about your transaction, call or write us at the telephone number or address listed above, as soon as you can. Please have the following information available:

1. Your name and account number
2. A description of the error, type, time and date
3. The dollar amount of the transaction

We will determine whether an error occurred within 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 45 days to investigate your complaint or question.

Disputes

In the event of a dispute regarding services provided by LBA, you and LBA will resolve the dispute by looking to this Agreement. You agree that this Agreement is the complete and exclusive statement of the agreement between you and LBA which supersedes any proposal or prior agreement, oral or written, and any other communications between the services provided by LBA relating to the subject matter of the Agreement. If there is a conflict between what an employee of LBA or LBA’s duly appointed agent says and the terms of this Agreement, the terms of this Agreement will prevail.

Assignment

You may not assign this Agreement to any other party. LBA may assign this Agreement to any future, directly or indirectly, affiliated company. LBA may also assign or delegate certain of its rights or responsibilities under this Agreement to independent contractors or other third parties.

No Waiver

LBA shall not be deemed to have waived any of its rights or remedies hereunder unless such waiver is in writing and signed by LBA. No delay or omission on the part of LBA in exercising any rights or remedies shall operate as a waiver of such rights or remedies or any other rights or remedies. A waiver on any one occasion shall not be construed as a bar or waiver of any rights or remedies on future occasions.

Captions

The captions of sections hereof are for convenience only and shall not control or affect the meaning or construction of any of the provisions of this Agreement.

Governing Law

This Agreement shall be governed by and construed in accordance with the laws of the State of Illinois , without regard to its conflicts of laws provisions.