Error: Error creating Blackbaud Web Forms account. Nullable object must have a value. - when registering Online Express Bill Pay

When going through the setup for Online Express Bill Pay, the error 'Error creating Blackbaud Web Forms account. Nullable object must have a value' occurs when trying to submit the agreement to the Terms of Service. The occurs for multiple users on multiple workstations.
Download and install the latest version and patch, if applicable. 

Environment

 7.86.93, patch 4
 7.87.164

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