1. Multiple Account Management: Additional terms for customers linking multiple accounts to the bill pay service

2. International Payments: Specific terms for processing international payments, including foreign exchange considerations

3. Direct Debit Request: Specific terms for direct debit arrangements when applicable

4. Recurring Payment Terms: Additional terms for setting up and managing recurring payment arrangements

5. Business Customer Provisions: Special terms applicable only to business customers rather than individual consumers

6. Financial Hardship: Terms relating to financial hardship arrangements and payment plan modifications

1. Schedule 1 - Fee Schedule: Detailed breakdown of all fees and charges, including processing fees and any conditional charges

2. Schedule 2 - Payment Processing Times: Standard processing times for different payment types and cut-off times

3. Schedule 3 - Supported Payment Methods: List of supported payment methods and any specific terms for each method

4. Appendix A - Direct Debit Request Form: Standard form for setting up direct debit arrangements

5. Appendix B - Security Protocols: Detailed security requirements and procedures for payment processing

6. Appendix C - Privacy Policy: Detailed privacy policy specifically relating to payment processing and data handling