Common use of ACH and Wire Transfers Clause in Contracts

ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code - Funds Transfers as adopted by the state in which the account is opened. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made. Provisional Payment. Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are located.

ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code - Funds Transfers as adopted by the state in which the account is opened. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("“ACH"”) entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association ("“NACHA"”) Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made. Provisional Payment. Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Funds Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are located.

ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code - Funds Transfers as adopted by the state in which the account is opened. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association ("NACHANacha") Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made. Provisional Payment. Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are located.

ACH and Wire Transfers. This Agreement agreement is subject to Article 4A Article4A of the Uniform Commercial Code - Funds Fund Transfers as adopted by in the state in which the you have your account is openedwith us. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds fund transfer for which Fedwire® Funds Service Fedwire is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you You agree to be bound by the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelinesautomated clearing house association rules. These rules provide, the rules of any local ACHamong other things, and the rules of any other systems through which the entry is made. Provisional Payment. Credit we give you is that payments made to you, or originated by you, are provisional until we receive final settlement for that entryis otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive final settlementsuch payment, you agree that we are entitled to a refund of from you in the amount credited to you in connection with the entry, your account and the party making originating such payment to you via such entry (i.e., the originator of the entry) shall will not be deemed considered to have paid you in the amount of such entryso credited. Notice of Receipt. We will If we receive a payment order to credit an account you have with us by wire or ACH, we are not provide required to give you with any notice of our receipt the payment order or credit. Facsimile Signatures. You authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us regardless of by whom or by what means the orderfacsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen filed with us, unless we are so requested by and contain the transfer originator in the order. However, we will continue to notify you required number of the receipt of payments in the periodic statements we provide to you. Choice of Lawsignatures for this purpose. We may accept refuse any check drawn upon your account if we are not satisfied your signature is genuine, or if presented in person by a holder who does not provide identification satisfactory to us, including a fingerprint image if requested. FDIC Insurance. Your accounts with us are insured to the regulatory limits by the Federal Deposit Insurance Corporation (FDIC). For further information regarding insurance of accounts, call the FDIC’s toll-free number at (000)000-0000, or visit its website at xxx.xxxx.xxx. Changes in Account Ownership, Address and Authorized Signers. You agree to notify us immediately in writing of any change in your name, address, email address, business capacity (e.g., sole proprietor to corporation), or the authorized signers on your behalf payments account. We may require a new signature card or other documentation before giving effect to any change in ownership or authorized signers. If the authorized persons on your account which change, we may continue to honor items given earlier until we receive specific notice from you in writing not to do so and we have been transmitted, that are not subject a reasonable opportunity to the Electronic Fund Transfer Act, and your rights and obligations with respect to act on such payments shall be construed in accordance with and governed by the laws of the state where we are locatednotice.

ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code - Funds — Fund Transfers — as adopted by in the state in which the account main office of the Credit Union is openedlocated. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds fund transfer for which Fedwire® Funds Service Fed wire is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you You agree to be bound by the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelinesautomated clearing house association rules. These rules provide, the rules of any local ACHamong other things that payments made to you, and the rules of any other systems through which the entry is made. Provisional Payment. Credit we give you is or originated by you, are provisional until we receive final settlement for that entryis made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive final settlementsuch payment, you agree that we are entitled to a refund of from you in the amount credited to you in connection with the entry, your account and the party making originating such payment to you via such entry (i.e., the originator of the entry) shall will not be deemed considered to have paid the amount so credited. If we receive a credit to an account you have with us by wire or ACH, we are not required to give you any notice of the payment order or credit. The funds from incoming ACH transfers originated by the Credit Union may be subject to extended holds or limitations. Payment of an ACH debit is based on the available balance in your account at the time the ACH file is presented, which can occur prior to normal business hours. If the available balance is insufficient when the ACH file is presented for payment, a subsequent deposit into the affected account may not satisfy successful payment of the debit, even if the deposit is processed before the ACH debit item posts. You are liable for any negative or overdrawn balance and associated fees as the result of an unpaid or overdraft ACH debit. Transaction Posting: In general, ACH and draft transactions are posted in the order they are presented in the following sequence: ACH deposits, ACH debits, checks written or authorized from the account. However, transactions are presented throughout the day and we cannot control the order in which they are received. This may result in debits being presented ahead of deposits. It is important to ensure sufficient funds are available for withdrawals you authorize from your account prior to presentment. Additionally, ATM/Debit Card transactions, outgoing and incoming wire transfers, deposits received via branch, online, or mail, and Credit Union funds transfers, withdrawals, and loan payments are posted throughout the day as they are received and processed. Credit Union fees are also posted throughout the day. We reserve the right to process and post items to your account in any order at our discretion, and we may change the order at any time without notice. The order in which transactions post can affect the number of items overdrawn or returned unpaid and the amount of such entry. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are locatedfees charged.

ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code - Funds Fund Transfers as adopted by in the state in which the account is openedState of California. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds fund transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you You agree to be bound by the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelinesrules. These rules provide, the rules of any local ACHamong other things, and the rules of any other systems through which the entry that payments made to you or originated by you, are provisional until final settlement is made. Provisional Payment. Credit we give you is provisional until we receive final settlement for that entry, as provided in Article 4A-403(a) of the Uniform Commercial Code. If we do not receive final settlementsuch payment, you agree that we are entitled to a refund of from you in the amount credited to you in connection with the entry, your account and the party making originating such payment to you via such entry (i.e., the originator of the entry) shall will not be deemed considered to have paid you in the amount of such entryso credited. Notice of ReceiptCredit entries may be made by ACH. We will If we receive a payment order to credit an account you have with us by wire or ACH, we are not provide required to give you with any notice of our receipt the payment order or credit. FACSIMILE SIGNATURES – You authorize us, at any time, to charge you for all checks, drafts, or other orders, for the payment of money, that are drawn on us regardless of by whom or by what means the orderfacsimile signature(s) may have been affixed so long as they resemble the facsimile signature specimen filed with us, unless and contain the required number of signatures for this purpose. ELECTRONIC/DIGITAL SIGNATURES – As a service and convenience, we are so requested by the transfer originator in the ordermay accept your electronic/digital signature to conduct credit union related business such as opening a membership account or applying for a loan online. However, we your rights to NOT USE electronic signatures will continue be preserved. You reserve the right to notify use a paper or “wet ink” signature. We must also receive your affirmative consent electronically in a manner that reasonably demonstrates that you can provide and access information in the electronic form that will be used to provide the information that is the subject of consent. All required disclosures must be provided in a manner that complies with regulatory mandates. Frontwave Credit Union is required to retain a record and retain a copy of the receipt of payments in application, transaction or document that “accurately reflects” the periodic statements we provide to you. Choice of Law. We may accept on substance for which you are providing your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Actelectronic/digital signature therein, and is in a form that is capable of being accurately reproduced for later reference, whether by transmission, printing or otherwise. BUSINESS DAYS– Every day is a business day except Saturday, Sunday, and holidays. NOTICE OF ATM/NIGHT DEPOSIT – FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your rights and obligations with respect to such payments shall own safety, be construed in accordance with and governed by the laws of the state where we are located.careful. The following suggestions may be helpful:

ACH and Wire Transfers. This Agreement agreement is subject to Article 4A of the Uniform Commercial Code - Funds – Fund Transfers as adopted by in the state in which the account is openedCommonwealth of Virginia. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds fund transfer for which Fedwire® Funds Service Fedline Advantage is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number to make payment. .We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you xxxxx.Xxx agree to be bound by the National Automated Clearing House Association ("NACHA"rules.The rules provide, among other things that payments made to you, or originated by you, are provisional until final settlement is made through a Federal Reserve Bank or payment is otherwise made, as provided in Article 4A-403(a) Operating Rules of the Uniform Commercial Code. If we do not receive such payment, we are entitled to a refund from you in the amount credited to your account and Guidelines, the rules of any local party originating such payment will not be considered to have paid the amount so credited. If we receive a credit to an account you have with us by wire or ACH, and we are not required to give you any notice of the rules of any other systems through which the entry is made. Provisional Paymentpayment order or credit. Credit we give given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for that entrysuch entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with the such entry, and the party making payment to you via such entry (i.e., i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice Under the operating rules of Receipt. We the National Automated Clearing House Association, which are applicable to ACH transactions involving your account, we are not required to give next-day notice to you of receipt of an ACH item and we will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the orderdo so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that transmitted through one or more Automated Clearing Houses (ACH) and which are not subject to the Electronic Fund Transfer Act, Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where Commonwealth of Virginia as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account. ELECTRONIC FUND TRANSFERS Indicated below are types of Electronic Fund Transfers we are locatedcapable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions xxxxxx.Xxx should keep this notice for future reference.

ACH and Wire Transfers. This Agreement agreement is subject to Article 4A of the Uniform Commercial Code - Funds Code—Fund Transfers as adopted by the state in which the account is openedDistrict of Columbia. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds fund transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary financial institution may rely on the identifying number num- ber to make payment. We may rely on the number even if it identifies iden- tifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you You agree to be bound by the National Automated Clearing House Association ("NACHA") Operating Rules automated clearing house association rules and Guidelinesaccept and agree to our security procedure. These rules provide, the rules of any local ACHamong other things that payments made to you, and the rules of any other systems through which the entry is made. Provisional Payment. Credit we give you is or originated by you, are provisional until we receive final settlement for that entryis made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A of the Uniform Commercial Code. If we do not receive final settlementsuch payment, you agree that we are entitled to a refund of from you in the amount credited to you in connection with the entry, your account and the party making originating such payment to you via such entry (i.e., the originator of the entry) shall will not be deemed considered to have paid the amount so credited. If we receive a credit to an account you have with us by wire or ACH we are not required to give you any notice of the payment order or credit. If offered, you may authorize BFSFCU to electronically transfer (originate ACH) funds from your account(s) at another financial institution for credit to your account(s) with us. Such authoriza- tions must be in writing and will remain in full force and effect until revoked, in writing, by you. Authorizations to originate ACH transfers to make loan payments must be received at least 10 days before the loan due date and will not be established until the next payment due date. You will be responsible for mak- ing the current loan payment. The Credit Union may provision- ally credit your account for an ACH transfer before it receives final settlement for the transfer. You agree that if the Credit Union does not receive final settlement for a transfer, it may reverse the provisional credit to your account, or you will refund the amount to the Credit Union. Your request for domestic and international funds transfer will be subject to the following transfer terms and conditions. BFSFCU provides access to domestic and international funds transfers via “eWires” through Online Banking to members in good standing. Funds transfer requests may also be requested in person, at one of our branches, and/or in writing. By making a funds transfer request you authorize the Credit Union to initiate the transfer of funds and charge the account indicated for the amount of such entrythe funds transfer and the wire trans- fer fee, as stated in our Fee Schedule. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by You acknowledge that there is an inherent risk in the transfer originator in of funds and release the orderCredit Union, its agents and its correspondents from all respon- sibility, obligation and/or costs associated with other financial institution’s actions, fees or failure to deliver funds. HoweverYou accept and understand that any fees, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations charges or commis- sions levied by other banks with respect to such payments shall be construed in accordance with and governed by transactions are the laws responsibility of you, the state where we are locatedBeneficiary, or both.

ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code - Funds Transfers as adopted by the state in which the account is openedState of West Virginia. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association ("NACHANacha") Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made. Provisional Payment. Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are locatedState of West Virginia.

ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code - Funds Transfers as adopted by the state in which the account is opened. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("“ACH"”) entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association ("NACHA") Nacha Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made. Provisional Payment. Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are located.

ACH and Wire Transfers. This Agreement agreement is subject to Article 4A of the Uniform Commercial Code - Funds Code— Fund Transfers as adopted by the state in which the account is openedDistrict of Columbia. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds fund transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial xxxxx- cial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary xxxxx- cial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you You agree to be bound by the National Automated Clearing House Association ("NACHA") Operating Rules automated clearing house association rules and Guidelinesaccept and agree to our secu- rity procedure. These rules provide, the rules of any local ACHamong other things that payments made to you, and the rules of any other systems through which the entry is made. Provisional Payment. Credit we give you is or originated by you, are provisional until we receive final settlement for that entryis made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A of the Uniform Commercial Code. If we do not receive final settlementsuch payment, you agree that we are entitled to a refund of from you in the amount credited to you in connection with the entry, your account and the party making orig- inating such payment to you via such entry (i.e., the originator of the entry) shall will not be deemed considered to have paid the amount so credited. If we receive a credit to an account you have with us by wire or ACH we are not required to give you any notice of the payment order or credit. If offered, you may authorize BFSFCU to electronically transfer (originate ACH) funds from your account(s) at another financial institution for credit to your account(s) with us. Such authorizations must be in writing and will remain in full force and effect until revoked, in writing, by you. Authorizations to originate ACH transfers to make loan payments must be received at least 10 days before the loan due date and will not be established until the next payment due date. You will be responsible for making the current loan payment. The Credit Union may provisionally credit your account for an ACH transfer before it receives final settlement for the transfer. You agree that if the Credit Union does not receive final settlement for a transfer, it may reverse the provisional credit to your account, or you will refund the amount to the Credit Union. Your request for domestic and international funds transfer will be subject to the following transfer terms and conditions. BFSFCU provides access to domestic and international funds transfers via “eWires” through Digital Banking to members in good standing. Funds transfer requests may also be requested in person, at one of our branches, and/ or in writing. By making a funds transfer request you authorize the Credit Union to initiate the transfer of funds and charge the account indicated for the amount of such entrythe funds transfer and the wire transfer fee, as stated in our Fee Schedule. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by You acknowledge that there is an inherent risk in the transfer originator in of funds and release the orderCredit Union, its agents and its cor- respondents from all responsibility, obligation and/or costs associated with other financial institution’s actions, fees or failure to deliver funds. HoweverYou accept and understand that any fees, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations charges or com- missions levied by other banks with respect to such payments transac- tions are the responsibility of you, the Beneficiary, or both. Definitions—As used in the Request for a domestic or international transfer of funds, the following terms shall be construed in accordance with and governed by have the laws of the state where we are located.following meanings:

ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code - Funds Transfers as adopted by the state in which the account is opened. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("“ACH"”) entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association ("“NACHA"”) Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made. Provisional Payment. Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Funds Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are located. 56 XxxxxxxxxXxxxx.xxx/XxxxxxxXxxxxxxxxXxxx 000-000-0000 International ACH Transactions. If your transaction originates from a financial agency that is outside of the territorial jurisdiction of the United States, it may be subject to additional review for compliance with the rules of the Office of Foreign Assets Control (OFAC). If additional review is required, the international ACH transaction will not be available to you until it passes final verification.

ACH and Wire Transfers. This Agreement agreement is subject to Article 4A of the Uniform Commercial Code - Funds Transfers as adopted by the state in which the account is opened. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the rules and regulations of the National Automated Clearing House Association ("NACHA") Operating Rules and GuidelinesRules, the rules Rules of any local ACH, and the rules Rules of any other systems system through which the entry is made. Provisional Payment. Credit we give you with respect to an ACH credit entry is provisional until we receive final settlement for that entryentry through a Federal Reserve Bank. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making the payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. We Under the operating rules of NACHA, which are applicable to ACH transactions involving your account, we are not required to give next day notice to you of receipt of an ACH item and we will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the orderdo so. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that transmitted through one or more ACHs and which are not subject to the Electronic Fund Transfer Act, Act and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we this account is opened as provided by the operating rules of NACHA, which are locatedapplicable to ACH transactions involving your account.

ACH and Wire Transfers. This Agreement agreement is subject to Article 4A of the Uniform Commercial Code - Code- Funds Transfers as adopted by in the state in which the account is openedof Kansas. If you send or receive a wire transfer, you agree that the Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions transaction made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service Services is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and are every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("“ACH"”) entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association ("“NACHA"”) Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made. Provisional PaymentPROVISIONAL PAYMENT. Credit we give you is provisional until unit we receive final full settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice INTERNATIONAL ACH TRANSACTIONS. If your transaction originated from a financial agency that is outside of Receiptthe territorial jurisdiction of the United States, it may be subject to additional review for compliance with the rules of the Office of Foreign Assets Control (OFAC). If additional review is required, the International ACH transaction will not be available to you until it passes final verification. NOTICE OF RECEIPT. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of LawCHOICE OF LAW. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations with respect to such payments shall be construed constructed in accordance with and governed by the laws of the state where we are located. YOUR RESPONSIBILITY FOR BACK OF CHECK. All negotiable paper (“checks”) presented for deposit must be in a format that can be processed and we may refuse to accept any check that does not meet this requirement. All endorsements on the reverse side of any check deposited into your account must be placed on the left side of the check when looking at it from the front, and the endorsements must be placed so as not to go beyond an area located 1-1/2 inches from the left edge of the check when looking at it from the front. It is your responsibility to ensure that these requirements are met and you are responsible for any loss incurred by us for failure of an endorsements to meet this requirement. STOP PAYMENTS. You may stop payment on a check drawn against your account by a record or written order or other confirmation as allowed by us, provided that we receive the Stop Payment Order in a time and manner that gives us a reasonable opportunity to act on it. The Stop Payment Order must describe the item or account with reasonable certainty. Oral requests for a Stop Payment Order are binding on us for 14 calendar days only, and must be confirmed by you in a record or writing within that period. If the record or written confirmation is not received as specified, we will no longer be bound by your request. Upon receipt of confirmation in a record or writing, a Stop Payment Order on a check remains in effect for six months or until we receive a record or writing revoking the Stop Payment Order, whichever occurs first. If the item on which a Stop Payment Order has been placed has not cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing a request to us in a record or writing within the time period the Stop Payment Order is in effect. A Stop Payment Order on an EFT debit will remain in effect until the earlier of 1) your withdrawal of the Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for the transfer with the payee (a Stop Payment Order does not revoke authorization). You will be charged a fee every time you request a Stop Payment Order, and for each Stop Payment Order renewal you make. You understand that we may accept the Stop Payment Order request from any of the authorized signers of the account regardless of who signed the check. A release of the Stop Payment Order may be made only by the person who initiated the stop payment request. Our acceptance of a stop payment request does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request. A Stop Payment Order may be placed on either a one-time transfer or on a multiple debit entry transfer. If you request a stop payment on a multiple debit entry transfer, we must receive the Stop Payment Order, orally or in a record or writing, at least three business days before a scheduled multiple debit entry. If the Stop Payment order is requested for an Electronic Check Conversion or other one-time transfer, we must receive the request, orally or in a record or writing, in a period of time that provides us a reasonable opportunity to act on it prior to acting on the debit entry, otherwise this Stop Payment Order shall be of no effect. Oral stop payment orders are binding on us for 14 calendar days only, and must be confirmed by you in a record or writing within that period. The Stop Payment Order shall be governed by the provisions of the Uniform Commercial Code 4A in effect in the state in which we are located, the Electronic Fund Transfer Act (Regulation E), NACHA Operating Rules, and any applicable state law. We have a daily cutoff time by which we must receive any knowledge, notice, Stop Payment Order, set-off or legal process affecting our right or duty to pay a check. That cutoff time is one hour after the opening of your branch’s banking day, following the banking day on which your branch received the check.

ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code - Funds Transfers as adopted by the state in which the account is opened. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("“ACH"”) entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association ("“NACHA"”) Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made. XxxxxxxxxXxxxx.xxx/XxxxxxxXxxxxxxxxXxxx 000-000-0000 15 Provisional Payment. Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Funds Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are located.

ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code - Funds Transfers as adopted by the state in which the account is opened. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made. Provisional Payment. Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are located.and

ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Uniforn1Commercia l Code - Funds Transfers as adopted by in the state in which the account is openedof Texas. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary intern1ediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, institution person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made. Provisional PaymentPROVISIONAL PAYMENT. Credit we give you is provisional until we receive final settlement for that entry. If I f we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice INTERNATIONAL ACH TRANSACTIONS. If your transaction originates from a financial agency that is outside of Receiptthe territorial jurisdiction of the United States, it may be subject to additional review for compliance with the rules of the Office of Foreign Assets Control (OFAC). If additional review is required, the International ACH transaction will not be available to you until it passes final verification. NOTICE OF RECEIPT. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of LawCHOICE OF LAW. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are located. STOP PAYMENTS. STOP PAYMENT ON CHECKS. You may stop payment on a check drawn against your account by a written order or other confirmation as allowed by us. The Stop Payment Order must describe the item or account with certainty and be received by an officer of this Bank during a banking day and at a time and in a manner that affords us a reasonable opportunity to act on it. We may in our sole discretion accept oral stop payment requests on checks. If we exercise our right to accept your oral request and you fail to confirm this request in a record or writing within 14 days, we reserve the right to cancel your request. A Stop Payment Order on a check remains in effect for six months or until we receive a record or writing revoking the Stop Payment Order, whichever occurs first. I f the item on which a Stop Payment Order has been placed has not cleared or been returned to you by the payee, you may renew the Stop Payment Order for an additional six months by providing a request to us in a record or writing within the time period the Stop Payment Order is in effect. You understand that we may accept the Stop Payment Order request from any of the authorized signers of the account regardless of who signed the check. STOP PAYMENT ON ACH DE BITS. A Stop Payment Order may be placed on either a one- time debit transfer or on a multiple debit entry transfer. I f you request a Stop Payment Order on an Electronic Check Conversion or other one-time debit transfer, we must receive the request, orally or in a record or writing, in a period of time that provides us a reasonable opportunity to act on it prior to acting on the debit entry, otherwise the Stop Payment Order shall be of no effect. I f you requested a stop payment on a multiple debit entry transfer, we must receive the Stop Payment Order, orally or in a record or writing, at least three business days before a scheduled multiple debit entry. Oral stop payment orders are binding on us for 14 calendar days only and must be confirmed by you in a record or writing within that period. A Stop Payment Order on an ACH debit will remain in effect until the earlier of I) your withdrawal of the Stop Payment Order, or 2) the return of the debit entry, or, where a Stop Payment Order is applied to more than one debit entry under a specific authorization involving a specific payee (Originator), the return of all such debits. When a stop is placed on a multiple debit entry transfer, we may require your confirmation in a record or writing stating that you have canceled your authorization for the transfer with the payee (a Stop Payment Order does not revoke authorization). The Stop Payment Order shall be governed by the provisions of the Uniform Commercial Code 4A in effect in the state in which we are located, the Electronic Fund Transfer Act (Regulation E), NA CHA Operati11g Rules, and any applicable state law. You will be charged a fee every time you request a Stop Payment Order, and for each Stop Payment Order renewal you make. A release of the Stop Payment Order may be made only by the person who initiated the stop payment request. Our acceptance of a stop payment request does not constitute a representation by us that the item has not already been paid or that we have had a reasonable opportunity to act on the request. We have a daily cutoff time by which we must receive any knowledge, notice, Stop Payment Order, set-off or legal process affecting our right or duty to pay a check. That cutoff time is one hour after the opening of your branch's banking day, following the banking day on which your branch received the check. DEATH OR INCOMPETENCY. Neither your death nor a legal adjudication of incompetence revokes our authority to accept, pay, or collect items until we know of the fact of death or of an adjudication of incompetence and have a reasonable opportunity to act on it. To the extent permitted by law, even with knowledge, we may for 10 days after the date of death, pay checks drawn on or before the date of death un less ordered to stop payment by a person claiming an interest in the account.

ACH and Wire Transfers. This Agreement is subject to Article 4A of the Uniform Commercial Code - Funds Transfers as adopted by the state in which the account is opened. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing 14 PERSONAL BANKING: ACCOUNT DISCLOSURES AND RULES & REGULATIONS 15 House ("“ACH"”) entry, you agree that we may transmit an entry through the ACH, and you agree to be bound by the National Automated Clearing House Association ("“NACHA"”) Operating Rules and Guidelines, the rules of any local ACH, and the rules of any other systems through which the entry is made. Provisional Payment. Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are located.

ACH and Wire Transfers. This Agreement agreement is subject to Article 4A of the Uniform Commercial Code - Funds Code— Fund Transfers as adopted by the state in which the account is openedDistrict of Columbia. If you send or receive a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is the law that covers transactions made over Fedwire® Funds Service. When you originate a funds fund transfer for which Fedwire® Funds Service is used, and you identify by name and number a beneficiary financial xxxxx- cial institution, an intermediary financial institution or a beneficiary, we and every receiving or beneficiary xxxxx- cial institution may rely on the identifying number to make payment. We may rely on the number even if it identifies a financial institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entry, you agree that we may transmit an entry through the ACH, and you You agree to be bound by the National Automated Clearing House Association ("NACHA") Operating Rules automated clear- ing house association rules and Guidelinesaccept and agree to our security procedure. These rules provide, the rules of any local ACHamong other things that payments made to you, and the rules of any other systems through which the entry is made. Provisional Payment. Credit we give you is provisional or originated by you, are pro- visional until we receive final settlement for that entryis made through a Federal Reserve Bank or payment is otherwise made as provided in Article 4A of the Uniform Commercial Code. If we do not receive final settlementsuch payment, you agree that we are entitled to a refund of from you in the amount credited to you in connection with the entry, your account and the party making orig- inating such payment to you via such entry (i.e., the originator of the entry) shall will not be deemed considered to have paid the amount so credited. If we receive a credit to an account you have with us by wire or ACH we are not required to give you any notice of the payment order or credit. If offered, you may authorize BFSFCU to electronically transfer (originate ACH) funds from your account(s) at another financial institution for credit to your account(s) with us. Such authorizations must be in writing and will remain in full force and effect until revoked, in writing, by you. Authorizations to originate ACH transfers to make loan payments must be received at least 10 days before the loan due date and will not be established until the next payment due date. You will be responsible for making the current loan payment. The Credit Union may provisionally credit your account for an ACH transfer before it receives final settlement for the transfer. You agree that if the Credit Union does not receive final settlement for a transfer, it may reverse the provisional credit to your account, or you will refund the amount to the Credit Union. Your request for domestic and international funds transfer will be subject to the following transfer terms and conditions. BFSFCU provides access to domestic and international funds transfers via “eWires” through Digital Banking to members in good standing. Funds transfer requests may also be requested in person, at one of our branches, and/ or in writing. By making a funds transfer request you authorize the Credit Union to initiate the transfer of funds and charge the account indicated for the amount of such entrythe funds transfer and the wire transfer fee, as stated in our Fee Schedule. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by You acknowledge that there is an inherent risk in the transfer originator in of funds and release the orderCredit Union, its agents and its cor- respondents from all responsibility, obligation and/or costs associated with other financial institution’s actions, fees or failure to deliver funds. HoweverYou accept and understand that any fees, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Transfer Act, and your rights and obligations charges or com- missions levied by other banks with respect to such payments transac- tions are the responsibility of you, the Beneficiary, or both. Definitions—As used in the Request for a domestic or international transfer of funds, the following terms shall be construed in accordance with and governed by have the laws of the state where we are located.following meanings:

ACH and Wire Transfers. You may initiate or receive credits or debits to your account via wire transfer or ACH transfer if that service is provided by us. Electronic presentment of checks you write to a merchant is allowed under ACH regulations. This Agreement means that although you may give a paper check to a merchant, they may present that check for payment electronically via the ACH system. It is subject to Article 4A the responsibility of the Uniform Commercial Code - Funds Transfers as adopted merchant to destroy or return the item under ACH guidelines. You understand and agree that if you receive funds by wire or ACH transfer, we are not required to notify you at the state time the funds are received. The transfer will be shown in which your periodic statement. We may provisionally credit your account for an ACH transfer before we receive final settlement for the account is openedtransfer. If You understand and agree that if we do not receive final settlement for an ACH transfer, we may reverse the provisional credit to your account, or you send or receive will refund the amount to us. When you initiate a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is must identify the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, recipient and you identify by name and number a beneficiary financial institution, an intermediary any financial institution or a beneficiaryby name, we by account and every receiving or beneficiary institution by identifying number. Ent (and other institutions) may rely on the account or other identifying number to make payment. We may rely on numbers as the number proper identification, even if it the information you provide identifies a financial different party or institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entryAs part of our security procedures, you agree that we may transmit an entry authorize us to record telephone conversations related to the processing of wire transfers, transactions, account maintenance and collection of accounts. You authorize Ent to utilize any security procedure it deems necessary prior to completing a wire transfer. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the ACH, Federal Reserve and you agree to be bound the Consumer Financial Protection Bureau (CFPB) rule governing foreign remittances. ACH transactions are governed by the rules of the National Automated Clearing House Association ("NACHA") Operating Rules Nacha). Additional information, including restrictions and Guidelinesliabilities, the rules of any local ACH, and the rules of any other systems through which the entry is made. Provisional Payment. outlined in “Ent Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Union Funds Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are locatedAgreement.”

ACH and Wire Transfers. You may initiate or receive credits or debits to your account via wire transfer or ACH transfer if that service is provided by us. Electronic presentment of checks you write to a merchant is allowed under ACH regulations. This Agreement means that although you may give a paper check to a merchant, they may present that check for payment electronically via the ACH system. It is subject to Article 4A the responsibility of the Uniform Commercial Code - Funds Transfers as adopted merchant to destroy or return the item under ACH guidelines. You understand and agree that if you receive funds by wire or ACH transfer, we are not required to notify you at the state time the funds are received. The transfer will be shown in which your periodic statement. We may provisionally credit your account for an ACH transfer before we receive final settlement for the account is openedtransfer. If You understand and agree that if we do not receive final settlement for an ACH transfer, we may reverse the provisional credit to your account, or you send or receive will refund the amount to us. When you initiate a wire transfer, you agree that Fedwire® Funds Service may be used. Federal Reserve Board Regulation J is must identify the law that covers transactions made over Fedwire® Funds Service. When you originate a funds transfer for which Fedwire® Funds Service is used, recipient and you identify by name and number a beneficiary financial institution, an intermediary any financial institution or a beneficiaryby name, we by account and every receiving or beneficiary institution by identifying number. Ent (and other institutions) may rely on the account or other identifying number to make payment. We may rely on numbers as the number proper identification, even if it the information you provide identifies a financial different party or institution, person or account other than the one named. If you are a party to an Automated Clearing House ("ACH") entryAs part of our security procedures, you agree that we may transmit an entry authorize us to record telephone conversations related to the processing of wire transfers, transactions, account maintenance and collection of accounts. You authorize Ent to utilize any security procedure it deems necessary prior to completing a wire transfer. Wire transfers are governed by Federal Reserve Regulation J if the transfer is cleared through the ACH, Federal Reserve and you agree to be bound the Consumer Financial Protection Bureau (CFPB) rule governing foreign remittances. ACH transactions are governed by the rules of the National Automated Clearing House Association ("NACHA") Operating Rules Nacha). Additional information, including restrictions and Guidelinesliabilities, the rules of any local ACH, and the rules of any other systems through which the entry is made. Provisional Payment. outlined in “Ent Credit we give you is provisional until we receive final settlement for that entry. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. We will not provide you with notice of our receipt of the order, unless we are so requested by the transfer originator in the order. However, we will continue to notify you of the receipt of payments in the periodic statements we provide to you. Choice of Law. We may accept on your behalf payments to your account which have been transmitted, that are not subject to the Electronic Fund Union Wire Funds Transfer Act, and your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the state where we are locatedAgreement.”