ACH DEBIT AUTHORIZATION — TERMS AND CONDITIONS

1. INTRODUCTION
These terms and conditions govern the automatic debit of funds from your bank account as payment for the money transfer transactions you initiate with Boss Money and Boss Revolution Money Transfer (the “Transactions”), services provided by IDT Payment Services, Inc. and/or IDT Payment Services of New York LLC. This Form is in addition to the Terms of Use for Boss Money and Boss Revolution Money Remittance Products and Services, which can be found at https://www.bossrevolution.com/en-us/terms.

2. AUTHORIZATION
By submitting a Transaction and selecting ACH Debit as your payment option, you authorize IDT Payment Services, Inc. and/or IDT Payment Services of New York LLC (collectively, “IDT”) to electronically debit your bank account as payment for the Transaction, including all applicable amounts and fees. If necessary, you also authorize IDT to electronically credit your account to correct any erroneous debits. You agree that ACH transactions you authorize comply with all applicable laws. If the payment date falls on a weekend or holiday, you understand that the payment may be executed on the next business day. You understand that because this is an electronic transaction, the funds may be withdrawn immediately from your bank account at the time you pay for the Transaction.

3. NOTIFICATION AND RECORD KEEPING
You agree to maintain sufficient funds in your designated bank account to cover the authorized debits and acknowledge your responsibility to review your bank statements regularly. You also agree to notify IDT in writing of any changes in your bank account information at least 15 days prior to the next applicable Transaction.

4. CANCELLATION OF AUTHORIZATION
You understand that this authorization will remain in full force and effect until you notify IDT in writing at Boss Money, 520 Broad Street, Newark, New Jersey 07102, Attn: Money Transfer Compliance that you wish to revoke this authorization. You understand that IDT requires at least ten days to process and cancel any revocation.

5. LIABILITY
IDT shall not be responsible for any delays or errors in ACH debits due to circumstances beyond its reasonable control. In the case of an ACH debit being rejected for Non Sufficient Funds (NSF) you understand that IDT may, at its discretion, attempt to process the charge again up to two times within 30 days, and agree to pay any additional charges incurred by IDT for each attempt, which will be initiated as a separate transaction from the authorized Transaction.