Common use of ADDITIONAL DISCLOSURES APPLICABLE TO ELECTRONIC CHECK TRANSACTIONS Clause in Contracts

ADDITIONAL DISCLOSURES APPLICABLE TO ELECTRONIC CHECK TRANSACTIONS. If funds from my account have been transferred via ACH where I have provided a paper check or check information to a merchant or other payee to capture the routing, Account, and serial numbers to electronically initiate the transfer (an “Electronic Check Transaction”) the following applies to me: Types of Available Transactions: You may make transfers via ACH where I have provided a paper check to enable the merchant or other payee to capture the routing, Account, and serial numbers to initiate the transfer, whether the check is blank, partially completed, or fully completed and signed; whether the check is presented at POS or is mailed to a merchant or other payee or lockbox and later converted to an EFT; or whether the check is retained by the consumer, the merchant or other payee, or the payee’s financial institution. Account Access: Electronic Check Transactions may be made from my Checking Account only. Limitations on Dollar Amounts of Transactions: I may make Electronic Check Transactions only to the extent that I have available clear funds in my Checking Accounts or available funds in my designated overdraft sources. Overdraft to Line of Credit: I understand that if I have an overdraft line of credit account in conjunction with my Checking Account, then I may use that line of credit to fund any overdraft on your Checking Account including overdrafts caused by any Electronic Check Transactions. I understand that I may not otherwise initiate an Electronic Check Transaction to overdraw my Checking Account, my line of credit, if applicable. However, if I do overdraw, I authorize you to cover the overdraft on my Checking Account by making a cash advance from my line of credit account, if any. Overdrafts which cannot be honored are payable on demand and may result in termination of my account(s).

ADDITIONAL DISCLOSURES APPLICABLE TO ELECTRONIC CHECK TRANSACTIONS. If funds from my account have been transferred via ACH where I have provided a paper check or check information to a merchant or other payee to capture the routingrout- ing, Account, and serial numbers to electronically toelectronically initiate the transfer (an “Electronic an“Electronic Check Transaction”) ), the following applies to me: Types of Available Transactions: TYPES OF AVAILABLETRANSACTIONS:You may make transfers via ACH where I have provided a paper check to enable the merchant or other payee to capture the routing, Account, and serial numbers to initiate the transfer, whether the check is blank, partially completed, or fully completed and signed; whether the check is presented at POS or is mailed to a merchant or other payee or lockbox and later converted to an EFT; or whether the check is retained by the consumer, the merchant mer- chant or other payee, or the payee’s financial institution. I may authorize a merchant or other payee to make a one-time Electronic Check Transaction frommy Checking Account Accessusing information from my check to (1) pay for purchases or (2) pay bills. I may also authorize a merchant or other payee to debit my Checking Account for returned check fees or returned debit entry fees. ACCOUNT ACCESS: Electronic Check Transactions CheckTransactions may be made from my Checking frommy Check- ing Account only. Limitations on Dollar Amounts of TransactionsLIMITATIONS ON DOLLAR AMOUNTS OF TRANSACTIONS: I may make Electronic Elec- tronic Check Transactions only to the extent that I have available clear funds in my Checking Accounts or available funds in my designated overdraft sources. Overdraft to Line of CreditOVERDRAFT LINE OF CREDIT: I understand that if I have an overdraft line of credit account in conjunction with my Checking Account, then I may use that line of credit to fund tofund any overdraft on your my Checking Account including overdrafts caused by any Electronic Check Transactions. I understand that I may not otherwise initiate an Electronic Check Transaction to overdraw my Checking Account, my line of credit, if applicable. However, if I do overdraw, I authorize you to cover the overdraft on my Checking Account by making a cash advance from my frommy line of credit account, if anyany or from my other overdraft sources. Overdrafts which cannot be honored are payable on demand and may result in termination of my account(s).

ADDITIONAL DISCLOSURES APPLICABLE TO ELECTRONIC CHECK TRANSACTIONS. If you have authorized a one-time transfer of funds from my your account have been transferred via ACH where I you have provided a paper check or check information to a merchant or other payee in person, by telephone, or via the Internet, to capture the routing, Accountaccount, and serial numbers to electronically initiate the transfer (an “Electronic Check Transaction”) ), the following applies to meyou: Types of Available Transactions: Transactions - You may authorize a merchant or other payee to make a one-time Electronic Check Transaction from your checking account using information from your check to (1) pay for purchases or (2) pay bills. You may also authorize a merchant or other payee to debit your checking account for returned check fees or returned debit entry fees. You may make transfers such a payment via ACH where I you have provided a paper check to enable the merchant or other payee to capture the routing, Accountaccount, and serial numbers to initiate the transfer, whether the check is blank, partially completed, or fully completed and signed; whether the check is presented at POS or is mailed to a merchant or other payee or lockbox and later converted to an EFT; or whether the check is retained by the consumer, the merchant or merchant, other payee, or the payee’s financial institution; or you have provided the merchant or payee with the routing, account, and serial numbers by telephone or via the Internet to make a payment or a purchase. Account Access: Access - Electronic Check Transactions may be made from my Checking Account your checking account only. Limitations on Dollar Amounts of Transactions: I Transactions - You may make Electronic Check Transactions only to the extent that I you have available clear funds in my Checking Accounts or your checking account plus available funds in my your designated overdraft sourcessources (if any). Overdraft to Line of Credit: I understand that if I have an overdraft line of credit account in conjunction with my Checking Account, then I may use that line of credit to fund any overdraft on your Checking Account including overdrafts caused by any Electronic Check Transactions. I understand that I may not otherwise initiate an Remotely-Created Checks - If the Electronic Check Transaction involves a remotely-created check, we reserve the right to overdraw my Checking Accountaccept or reject the item for deposit into any of your Accounts. If you deposit a remotely-created check into any of your Accounts, my line you represent and warrant to us that you have instituted procedures to ensure that these drafts are authorized by the person on whose account the remotely-created check is drawn in the amount stated on the check and to the payee stated on the check. If a remotely- created check which you have deposited into your Account is returned by the drawee-payor bank for any reason, you agree that we may debit your Account for the amount of creditthe item, if applicableplus any applicable fees. HoweverIf the debit causes your Account to be overdrawn, if I do overdrawyou agree to pay the overdrawn amount on our demand. For purposes of this Agreement, I authorize you the term “remotely-created check” means a check that is not created by the paying bank and that does not bear a signature applied, or purported to cover be applied, by the overdraft person on my Checking Account by making a cash advance from my line whose account the check is drawn. ADDITIONAL DISCLOSURES APPLICABLE TO ATM ELECTRONIC FUNDS TRANSACTIONS, POINT OF SALE TRANSACTIONS, TELLERTONE24sm ELECTRONIC TELEPHONE BANKING TRANSACTIONS, X&X@XXXX PERSONAL COMPUTER ELECTRONIC BANKING TRANSACTIONS, MOBILE BANKING TRANSACTIONS AND ELECTRONIC CHECK TRANSACTIONS Right to Receive Documentation of credit account, if any. Overdrafts which cannot be honored are payable on demand and may result in termination of my account(s).Transactions:

ADDITIONAL DISCLOSURES APPLICABLE TO ELECTRONIC CHECK TRANSACTIONS. If you have authorized a one-time transfer of funds from my your account have been transferred via ACH where I you have provided a paper check or check information to a merchant or other payee in person, by telephone, or via the Internet, to capture the routing, Accountaccount, and serial numbers to electronically initiate the transfer (an “Electronic Check Transaction”) ), the following applies to meyou: Types of Available Transactions: Transactions - You may authorize a merchant or other payee to make a one-time Electronic Check Transaction from your checking account using information from your check to (1) pay for purchases or (2) pay bills. You may also authorize a merchant or other payee to debit your checking account for returned check fees or returned debit entry fees. You may make transfers such a payment via ACH where I you have provided a paper check to enable the merchant or other payee to capture the routing, Accountaccount, and serial numbers to initiate the transfer, whether the check is blank, partially completed, or fully completed and signed; whether the check is presented at POS or is mailed to a merchant or other payee or lockbox and later converted to an EFT; or whether the check is retained by the consumer, the merchant or merchant, other payee, or the payee’s financial institution; or you have provided the merchant or payee with the routing, account, and serial numbers by telephone or via the Internet to make a payment or a purchase. Account Access: Access - Electronic Check Transactions may be made from my Checking Account your checking account only. Limitations on Dollar Amounts of Transactions: I Transactions - You may make Electronic Check Transactions only to the extent that I you have available clear funds in my Checking Accounts or your checking account plus available funds in my your designated overdraft sourcessources (if any). Overdraft to Line of Credit: I understand that if I have an overdraft line of credit account in conjunction with my Checking Account, then I may use that line of credit to fund any overdraft on your Checking Account including overdrafts caused by any Electronic Check Transactions. I understand that I may not otherwise initiate an Remotely-Created Checks - If the Electronic Check Transaction involves a remotely-created check, we reserve the right to overdraw my Checking Accountaccept or reject the item for deposit into any of your Accounts. If you deposit a remotely-created check into any of your Accounts, my line you represent and warrant to us that you have instituted procedures to ensure that these drafts are authorized by the person on whose account the remotely-created check is drawn in the amount stated on the check and to the payee stated on the check. If a remotely- created check which you have deposited into your Account is returned by the drawee-payor bank for any reason, you agree that we may debit your Account for the amount of creditthe item, if applicableplus any applicable fees. HoweverIf the debit causes your Account to be overdrawn, if I do overdrawyou agree to pay the overdrawn amount on our demand. For purposes of this Agreement, I authorize you the term “remotely-created check” means a check that is not created by the paying bank and that does not bear a signature applied, or purported to cover be applied, by the overdraft person on my Checking Account by making a cash advance from my line of credit accountwhose account the check is drawn. ADDITIONAL DISCLOSURES APPLICABLE TO ATM ELECTRONIC FUNDS TRANSACTIONS, if any. Overdrafts which cannot be honored are payable on demand and may result in termination of my account(s).POINT OF SALE TRANSACTIONS, TELLERTONE24sm ELECTRONIC TELEPHONE BANKING TRANSACTIONS, X&X@XXXX PERSONAL COMPUTER ELECTRONIC BANKING TRANSACTIONS, MOBILE BANKING TRANSACTIONS AND ELECTRONIC CHECK TRANSACTIONS

ADDITIONAL DISCLOSURES APPLICABLE TO ELECTRONIC CHECK TRANSACTIONS. If funds from my account have been transferred via ACH where I have provided a paper check or check information to a merchant or other payee to capture the routing, Account, and serial numbers to electronically initiate the transfer (an “Electronic Check Transaction”) ), the following applies to me: Types of Available TransactionsTYPES OF AVAILABLE TRANSACTIONS: You may make transfers via ACH where I have provided a paper check to enable the merchant or other payee to capture the routing, Account, and serial numbers to initiate the transfer, whether the check is blank, partially completed, or fully completed and signed; whether the check is presented at POS or is mailed to a merchant or other payee or lockbox and later converted to an EFT; or whether the check is retained by the consumer, the merchant or other payee, or the payee’s financial institution. I may authorize a merchant or other payee to make a one-time Electronic Check Transaction from my Checking Account Accessusing information from my check to (1) pay for purchases or (2) pay bills. I may also authorize a merchant or other payee to debit my Checking Account for returned check fees or returned debit entry fees. ACCOUNT ACCES: Electronic Check Transactions may be made from my Checking Account only. Limitations on Dollar Amounts of TransactionsLIMITATIONS ON DOLAR AMOUNTS OF TRANSACTIONS: I may make Electronic Check Transactions only to the extent that I have available clear funds in my Checking Accounts or available funds in my designated overdraft sources. Overdraft to Line of CreditOVERDRAFT LINE OF CREDIT: I understand that if I have an overdraft line of credit account in conjunction with my Checking Account, then I may use that line of credit to fund any overdraft on your my Checking Account including overdrafts caused by any Electronic Check Transactions. I understand that I may not otherwise initiate an Electronic Check Transaction to overdraw my Checking Account, my line of credit, if applicable. However, if I do overdraw, I authorize you to cover the overdraft on my Checking Account by making a cash advance from my line of credit account, if anyany or from my other overdraft sources. Overdrafts which cannot be honored are payable on demand and may result in termination of my account(s).

ADDITIONAL DISCLOSURES APPLICABLE TO ELECTRONIC CHECK TRANSACTIONS. If I have authorized a one-time transfer of funds from my account have been to be transferred via ACH ACH, where I have provided a paper check or check information to a merchant merchant, or other payee payee, in person, or by telephone, to capture the routing, Accounttransit, account, and serial numbers to electronically initiate the transfer electronically (an “Electronic Check Transaction”) ), the following applies to me: Types of Available Transactions: You . I may authorize a merchant, or other payee, to make a one-time Electronic Check Transaction from my checking account using information from my check to (1) pay for purchases or (2) pay bills. I, also, may authorize a merchant, or other payee, to debit my checking account for returned check fees or returned debit entry fees. I may make such transfers via ACH where I have provided a paper check to enable the merchant merchant, or other payee payee, to capture the routing, Account, transit and serial account numbers to initiate the transfer, whether the check is blank, partially completed, or fully completed and signed; whether the check is presented at POS or is mailed to a merchant or other payee or lockbox and later converted to an EFT; or whether the check is retained by the consumercustomer, the merchant merchant, or other payee, or the payee’s financial institution; or I have provided the merchant, or payee, with the routing, account, and serial numbers by telephone to make a payment or a purchase. Account Access: . Electronic Check Transactions may be made from my Share Draft/ Checking Account only. Limitations on Dollar Amounts Amount of Transactions: . I may make Electronic Check Transactions only to the extent that I have available clear funds in my Share Draft/Checking Accounts Accounts, or available funds in my designated overdraft sources. Overdraft to Line of Credit: . I understand that if I have an overdraft line Line of credit account Credit in conjunction with my Share Draft/Checking Account, Account then I may use that line Line of credit Credit to fund any overdraft on your my Share Draft/Checking Account including overdrafts caused by any Electronic Check Transactions. I understand that I may not otherwise initiate an Electronic Check Transaction to overdraw my Share Draft/Checking Account, Account or my line Line of creditCredit, if applicable. However, if I do overdraw, I authorize you to cover the overdraft on my Share Draft/Checking Account by making a cash advance from my line Line of credit accountCredit Account, if any, or withdraw funds from my saving account(s), or make a withdrawal from other accounts on which I am a joint owner, or pay by Overdraft Privilege, if available. Overdrafts which cannot be honored are payable on demand and may result in termination of my account(s).