Common use of Online Banking Clause in Contracts

Online Banking. If we approve Online Banking for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your PIN along with your account number to access your accounts. At the present time, you may use Online Banking to: • Withdraw funds from your share and share draft accounts. • Transfer funds from your share and share draft accounts. • Obtain balance information for your share, share draft, loan, IRA, money market accounts, club, and sharecertificate accounts. • Make loan payments from your share and share draft accounts. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. • Verify the last date and amount of your payroll deposit. • Make bill payments to preauthorized creditors. • Request stop payments on checks or drafts. • View and download e-statements. • Obtain current savings and loan rates. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set limits on the amount of any transaction and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • There is no limit to the number of inquiries, transfers, or withdrawal requests you make in any one (1) day. • The maximum withdrawal or transfer amount is $9,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account. • See Transfer Limitations section for transfer limitations that may apply for these transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate personal identification number (PIN) you will be assigned required to you. You must use your PIN along with your account number secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • - Withdraw funds from your share and share draft accounts. • - Transfer funds from your share, share draft, and share draft money market accounts. • - Obtain balance information for your share, share draft, loan, IRA, money market accountsmarket, club, and sharecertificate certificate accounts. • - Make loan payments from your share and share draft accounts. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • - Make bill xxxx payments to preauthorized creditors. • Request stop payments on checks or drafts. • View and download e-statements. • Obtain current savings and loan rates. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • The maximum withdrawal or transfer amount is $9,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account. • - See Transfer Limitations section Section 2 for transfer limitations that may apply for to these transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate personal identification number (PIN) you will be assigned required to you. You must use your PIN along with your account number secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • - Withdraw funds from your share and and/or share draft accounts. • - Transfer funds from your share and and/or share draft accounts. • - Obtain balance information for your share, share draft, loan, IRA, money market accounts, club, and sharecertificate draft and/or loan accounts. • - Make loan payments from your share and and/or share draft accounts. • Determine if a particular item has cleared- Access your Home Equity Line of Credit and Quick Cash Line of Credit accounts. • - Obtain tax information on amounts earned on copies of cleared share drafts. - View Credit Card detail, transactions, statements and make payments from any share draft accounts or interest paid on loan accountsaccount you are an owner of. • Verify the last date and amount of your payroll deposit- View eStatements. • - Set up eAlerts. - Apply for a loan. - Obtain transaction history. - Request stop payments. - Block ATM and/or debit card. - Order checks. - Make bill xxxx payments to preauthorized creditors. • Request stop payments on checks or drafts. • View and download e-statements. • Obtain current savings and loan rates. Your accounts can be accessed under Online Banking via personal computerinternet access. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • There is no limit to the number of inquiries, transfers, or withdrawal requests you make in any one (1) day. • The maximum withdrawal or transfer amount is $9,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account. • - See Transfer Limitations section Section 2 for transfer limitations that may apply for to these transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate personal identification number (PIN) you will be assigned required to you. You must use your PIN along with your account number secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • - Withdraw funds from your share and share draft accounts. • - Transfer funds from your share and share draft accounts. • - Obtain balance information for your share, share draft, loan, IRA, money market accounts, club, and sharecertificate share draft accounts. • - Make loan payments from your share and share draft accounts. • - Access your Line of Credit accounts. - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • - Make bill xxxx payments to preauthorized creditors. • Request stop payments on checks or drafts. • View and download e-statements. • Obtain current savings and loan rates. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • - The maximum withdrawal or transfer amount is $9,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account. • - See Transfer Limitations section Section 2 for transfer limitations that may apply for to these transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate personal identification number (PIN) you will be assigned required to you. You must use your PIN along with your account number secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • - Withdraw funds from your share savings, checking, money market, and share draft club accounts. • - Transfer funds from your share savings, checking, money market, and share draft club accounts. • - Obtain balance information for your sharesavings, share draftchecking, loan, IRAXXX, money market accountsmarket, club, certificate, and sharecertificate Credit Card accounts. • Make loan payments from your share and share draft accounts. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share savings and share draft checking accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • - Make bill xxxx payments to preauthorized creditors. • Request stop payments on checks or drafts. • View and download e-statements. • Obtain current savings and loan rates. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • The maximum withdrawal or transfer amount is $9,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account. • - See Transfer Limitations section Section 2 for transfer limitations that may apply for to these transactions.

Online Banking. If we approve Online Banking for your accounts, a separate personal identification number PlN (PINPersonal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number), along with your account number to access your accounts. At the present time, you may use Online Banking to: • Withdraw funds from your share and share draft accounts. • Transfer funds from your share and share draft accounts. • Obtain balance information for your share, share draft, loan, IRA, money market accounts, club, loan club and sharecertificate certificate accounts. • Make loan payments from your share and share draft accounts. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. • Verify the last date and amount of your payroll deposit. • Make bill payments to preauthorized creditors. • Request stop payments on checks or drafts. • View and download e-statements. • Obtain current savings and loan rates. Your accounts can be accessed under Online Banking via personal computercomputer or mobile app. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Online Banking banking transactions may apply: • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • The maximum withdrawal or transfer amount is $9,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account. • See Transfer Limitations section Section 2 for transfer limitations that may apply for to these transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate personal identification number (PIN) you will be assigned required to you. You must use your PIN along with your account number secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • - Withdraw funds from your share, share draft, money market, Reserve Savings and share draft LOC accounts. • - Transfer funds from your share, share draft, money market, Reserve Savings and share draft LOC accounts. • - Obtain balance information for your share, share draft, loan, IRAXXX, money market accountsmarket, clubcertificate, and sharecertificate Holiday Savings, Reserve Savings, and LOC accounts. • - Make loan payments from your share, share draft, money market, Reserve Savings and share draft LOC accounts. • - Access your LOC and HELOC accounts. - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • - Make bill xxxx payments to preauthorized creditors. • Request stop payments on checks or drafts- Transfer to external accounts. • View - Link to view credit card and download e-statements. • Obtain current savings and loan ratesmortgage information. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • The maximum withdrawal or transfer amount is $9,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account. • - See Transfer Limitations section Section 2 for transfer limitations that may apply for to these transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate personal identification number (PIN) you will be assigned required to you. You must use your PIN along with your account number secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • - Withdraw funds from your share, share draft, and share draft club accounts. • - Transfer funds from your share, share draft, and share draft club accounts. • - Obtain balance information for your share, share draft, loan, IRA, money market accounts, club, and sharecertificate certificate accounts. • - Make loan payments from your share, share draft, and share draft club accounts. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • - Make bill xxxx payments to preauthorized creditors. • Request stop payments on checks or drafts. • View and download e-statements. • Obtain current savings and loan rates. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • The maximum withdrawal or transfer amount is $9,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account. • - See Transfer Limitations section Section 2 for transfer limitations that may apply for to these transactions.

Online Banking. If we approve Online Banking OLB is activated for your accountsaccount(s), a separate personal identification number (PIN) you will be assigned required to you. You must use your PIN along with your account number secure login information to access your accountsthe account(s). At the present time, you may use Online Banking OLB to: • - Withdraw funds from your share, share draft, and share draft club accounts. • - Transfer funds from your share, share draft, and share draft club accounts. • - Obtain balance information for your share, share draft, loan, IRA, money market accounts, club, loan and sharecertificate club accounts. • - Make loan payments from your share, share draft, and share draft club accounts. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Make bill payments to preauthorized creditors. • Request stop payments on checks or drafts. • View and download e-statements. • Obtain current savings and loan rates. Your accounts can be accessed under Online Banking via personal computercomputer or mobile device. Online Banking OLB will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Online Banking OLB transactions may apply: • There is no limit to the number of inquiries, transfers, or withdrawal requests you make in any one (1) day. • The maximum withdrawal or transfer amount is $9,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account. • - See Transfer Limitations section Section 2 for transfer limitations that may apply for to these transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate personal identification number (PIN) you will be assigned required to you. You must use your PIN along with your account number secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • - Withdraw funds from your share and share draft accounts. • - Transfer funds from your share, share draft, and share draft club accounts. • - Obtain balance information for your share, share draft, loan, IRA, money market accounts, club, and sharecertificate certificate accounts. • - Make loan payments from your share, share draft, and share draft club accounts. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • - Make bill xxxx payments to preauthorized creditors. • Request stop payments on checks or drafts. • View and download e-statements. • Obtain current savings and loan rates. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • - The maximum withdrawal or transfer amount is $9,999.99 99,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account. • - The maximum withdrawal amount is $5,000.00 per withdrawal. The maximum Transfer amount is $10,000.00 per transfer. - See Transfer Limitations section Section 2 for transfer limitations that may apply for to these transactions.