Common use of Additional Transaction Limitations Clause in Contracts

Additional Transaction Limitations. For all Accounts, You may not make a cash withdrawal in person at one of Our branches in excess of $1,400.00 per day. For all Accounts (except share draft Accounts) during any statement period, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. The Credit Union reserves the right to require a member intending to make a withdrawal to give written notice of such intent not less than seven days and up to 60 days before any such withdrawal. Compounding and Crediting. For all dividend-bearing Accounts, dividends will be earned daily for each day on which Your balance exceeds the minimum daily balance requirement for Your Account. The dividend period, compounding frequency and the crediting frequency for all accounts are shown in the following table: Account Type Dividend Period Compounding Frequency Crediting Frequency Primary Share Special Share Share No-Dividend Secondary Share Share Draft Insured Money Market Draft Traditional IRA Share Xxxxxxxxx Education IRA Share Xxxx XXX Share Term Share Certificates IRA Term Share Certificates Quarterly Quarterly N/A Quarterly N/A Monthly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly N/A Quarterly N/A Monthly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly N/A Quarterly N/A Monthly Quarterly Quarterly Quarterly Quarterly Quarterly Balance Computation Method. For all dividend-bearing Accounts, dividends are calculated by the daily balance method which applies a daily periodic rate to the entire principal balance in Your Account for each day. Accrual on Noncash Deposits. For dividend-bearing Accounts, dividends will begin to accrue on the business day that You deposit noncash items (e.g. checks) into Your Account.

Additional Transaction Limitations. For all Accounts, You may not make a cash withdrawal in person at one of Our branches in excess of $1,400.00 per day. For all Accounts (except share draft checking Accounts) during any statement period, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. The Credit Union reserves the right to require a member intending to make a withdrawal to give written notice of such intent not less than seven days and up to 60 days before any such withdrawal. Compounding and Crediting. For all dividend-bearing Accounts, dividends will be earned daily for each day on which Your balance exceeds the minimum daily balance requirement for Your Account. You will not be paid any accrued but uncredited dividends at the time You close Your Account. The dividend period, compounding frequency and the crediting frequency for all accounts are shown in the following table:  unpaid and uncollected credit union fees.  a negative balance on an account. Account Type Dividend Period Compounding Frequency Crediting Frequency Primary Share Special Share Share No-Dividend Secondary Share Share Draft Insured Money Market Draft Traditional IRA Share Xxxxxxxxx Education IRA Share Xxxx XXX Share Term Share Certificates IRA Term Share Certificates Quarterly Quarterly N/A Quarterly N/A Monthly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly N/A Quarterly N/A Monthly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly N/A Quarterly N/A Monthly Quarterly Quarterly Quarterly Quarterly Quarterly Balance Computation Method. For all dividend-bearing Accounts, dividends are calculated by the daily balance method which applies Frequency  caused a daily periodic rate financial loss to the entire principal Credit Union. Minimum Balance Requirements. To be a member and maintain Accounts with Us You must purchase one share in the Credit Union. The par value of a share in this Credit Union is $5.00. If the balance in Your Savings Account drops below one share ($5.00), for each day. Accrual on Noncash Deposits. For dividend-bearing Accountsa period of six months or more, dividends will begin to accrue on the business day that You deposit noncash items (e.g. checks) into We may, at Our option, close Your Account.. Nonsufficient Funds Returns. Any check or pre-authorized transfer, or transaction made through the use of Your ATM or debit Card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and charge You a fee for doing so. Business Savings Monthly Monthly Monthly Money Market Monthly Monthly Monthly Certificate Monthly/Maturity (1) Monthly/Maturity (1) Monthly/Maturity (1)

Additional Transaction Limitations. For all Accounts, Once You establish Your Account You may not make any withdrawals or transfers from Your Account by means of a cash withdrawal pre- authorized or automatic transfer or telephonic order or instruction. Individual Retirement Accounts are also subject to limitations and/or penalties imposed by the Internal Revenue Service. Please see Your IRA Agreement or Your tax advisor for additional information. Compounding and Crediting. Dividends will be earned daily for each day on which Your balance exceeds the minimum daily balance requirement for Your Account. The dividend period is quarterly, and dividends will be compounded and credited quarterly. You will not be paid any accrued but uncredited dividends at the time You close Your Account. At Your option, You may forego the compounding of dividends and, instead, have the dividends credited to a separate Account or account at the end of a dividend period. Balance Computation Method. Dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in person at one of Our branches in excess of $1,400.00 per the Account each day. Accrual on Noncash Deposits. Dividends will begin to accrue on the business day You deposit noncash items (e.g. checks) into Your Account. SPECIFIC TERMS APPLICABLE TO YOUR MONEY MARKET ACCOUNT Tiered Variable Rate Information. This Account is subject to a Tiered Variable Rate, and as a result, the dividend rates and corresponding APYs may change every dividend period based on the determination of the Credit Union's Board of Directors. All deposited funds will earn the rate associated with the balance in Your Account. For all Accounts (except share draft Accounts) during the current dividend rate and corresponding APY, refer to the accompanying Account Disclosure Rate Supplement which We have included with and made a part of this Disclosure. Minimum Balance Requirements. You must maintain at least $2,500.00 in Your Account each day to avoid a fee. Transaction Limitations. During any calendar month or statement period, You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union, or its designation changed to a Member Freedom Money Fund Account, subject to the terms and conditions of such Account. The Credit Union reserves the right to require a member intending to make a withdrawal to give written notice of such intent not less than seven days and up to 60 days before any such withdrawal. Compounding and Crediting. For all dividend-bearing AccountsDividends will be earned daily. The dividend period is monthly, and dividends will be earned daily for each day on which Your balance exceeds compounded and credited monthly. You will not be paid any accrued but uncredited dividends at the minimum daily balance requirement for time You close Your Account. The At Your option, You may forego the compounding of dividends and, instead, have the dividends credited to a separate Account or account at the end of a dividend period, compounding frequency and the crediting frequency for all accounts are shown in the following table: Account Type Dividend Period Compounding Frequency Crediting Frequency Primary Share Special Share Share No-Dividend Secondary Share Share Draft Insured Money Market Draft Traditional IRA Share Xxxxxxxxx Education IRA Share Xxxx XXX Share Term Share Certificates IRA Term Share Certificates Quarterly Quarterly N/A Quarterly N/A Monthly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly N/A Quarterly N/A Monthly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly N/A Quarterly N/A Monthly Quarterly Quarterly Quarterly Quarterly Quarterly . Balance Computation Method. For all dividend-bearing Accounts, dividends Dividends are calculated by the daily balance method which applies a daily periodic rate to the entire principal balance in Your the Account for each day. Accrual on Noncash Deposits. For dividend-bearing Accounts, dividends Dividends will begin to accrue on the business day that You deposit noncash items (e.g. checks) into Your Account. GENERAL TERMS APPLICABLE TO ALL ACCOUNTS Member in Good Standing. The Account services described herein are available to those members in good standing with the Credit Union. We reserve the right to suspend services to a member who is not in good standing, which includes members that have: (a) a delinquent loan; (b) a primary Share Account balance below the $5.00 minimum; (c) an unresolved deposited returned check; (d) unpaid and uncollected credit union fees; (e) a negative balance on an account; and (f) caused a financial loss to the Credit Union.

Additional Transaction Limitations. For all Accounts, You may not make a cash withdrawal in person at one of Our branches in excess of $1,400.00 per day. For all Accounts (except share draft Accounts) during any statement period, You may not make more than six withdrawals from or Account Type Dividend Period Compounding Frequency Crediting Frequency transfers to another Credit Union Account of Yours or to a third party by means of a pre-pre- authorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made , or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. The Credit Union reserves the right to require a member intending to make a withdrawal to give written notice of such intent not less than seven days and up to 60 days before any such withdrawal. For all accounts, the maximum amount that You may withdraw in cash is $25,000.00 (in the aggregate) per day. Any amount in excess of the cash limitation can be made available in the form of a Credit Union official check. Compounding and Crediting. For all dividend-bearing Accounts, dividends will be earned daily for each day on which Your balance exceeds the minimum daily balance requirement for Your Account. The If You close or convert Your Account to another type of Account, any accrued but uncredited dividends will be included in Your closing balance. Except for Certificate Accounts, the dividend period, compounding frequency and the crediting frequency for all accounts are shown in the following table: table below. For Certificate Accounts, refer to the separate page titled “Term Share Certificate Account Type Dividend Period Compounding Frequency Crediting Frequency Primary Disclosure” for the applicable dividend period, compounding frequency and crediting frequency. Christmas Club Monthly Monthly Monthly Vacation Club Monthly Monthly Monthly Moe Savers Monthly Monthly Monthly Navigation Share Special Share Share No-Dividend Secondary Share Share Draft Insured Monthly Monthly Monthly IRA Savings Monthly Monthly Monthly Xxxx XXX Savings Monthly Monthly Monthly Money Market Draft Traditional IRA Share Xxxxxxxxx Education IRA Share Xxxx XXX Share Term Share Certificates IRA Term Share Certificates Quarterly Quarterly N/A Quarterly N/A Monthly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly N/A Quarterly N/A Monthly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly N/A Quarterly N/A Monthly Quarterly Quarterly Quarterly Quarterly Quarterly Vision Rewards Checking Monthly Monthly Monthly Certificate Monthly Monthly Monthly Balance Computation Method. For all dividend-bearing Accounts, dividends are calculated by the daily balance method which applies a daily periodic rate to the entire principal balance in Your the Account for each day. Accrual on Noncash Deposits. For dividend-bearing Accounts, dividends will begin to accrue on the business day following the day that You deposit place noncash items (e.g. checks) into Your Account.. Account Type Dividend Period Compounding Frequency Crediting Frequency Fees and Charges. Any fees and charges applicable to Your Account are disclosed on an accompanying pricing document provided in conjunction with these Agreements Share Monthly Monthly Monthly and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD AND VISA CHECK CARD, OUR AUDIO RESPONSE SYSTEM (“PERSONAL ACCOUNT LINE”), OUR PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("PC BRANCH"), AND OUR BILL PAYMENT SYSTEM (“BILL PAYMENT”) EACH WITH THEIR PERSONAL IDENTIFICATION NUMBERS (PINS) AND/OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). ATM CARD, VISA CHECK CARD, PERSONAL ACCOUNT LINE, PC XXXXXX, XXXX

Additional Transaction Limitations. For all Accounts, You may not make a cash withdrawal in person at one of Our branches in excess of $1,400.00 per day. For all Accounts (except share draft Accounts) ), during any statement period, period You may not make more than six withdrawals from or transfers to another Credit Union Account of Yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction. No more than three of the six transfers may be made , or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to closure by the Credit Union. The For all Accounts, the Credit Union reserves the right to require a member intending to make a withdrawal to give written notice of such intent not less than seven days and up to 60 days before any such withdrawal. Compounding and Crediting. For all dividend/interest-bearing Accounts, dividends dividends/interest will be earned daily for each day on which Your balance exceeds the minimum daily balance requirement for Your Account. You will not be paid any accrued but uncredited dividends/interest at the time You close Your Account. The dividend dividend/interest period, compounding frequency and the crediting frequency for all accounts Accounts are shown in the following table: Account Type Dividend Period Compounding Frequency Crediting Frequency Primary Share Special Share Share No-Dividend Secondary Share Share Draft Insured Savings Club Magic Savings Seymour Bucks Savings Money Market Draft Traditional Regular IRA Share Xxxxxxxxx Education Savings XXXX XXX Savings Educational IRA Share Xxxx XXX Share Savings Term Share Certificates Certificate IRA Term Share Certificates Quarterly Quarterly N/A Quarterly N/A Certificate Monthly Monthly Monthly Monthly Monthly Monthly Monthly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly N/A Quarterly N/A Monthly Monthly Monthly Monthly Monthly Monthly Monthly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly Quarterly N/A Quarterly N/A Monthly Quarterly Quarterly Quarterly Monthly Monthly Monthly Monthly Monthly Monthly Quarterly Quarterly Balance Computation Method. For all dividend/interest-bearing Accounts (except certificate Accounts, dividends dividends/interest are calculated by the daily balance method which applies a daily periodic rate to the entire balance in the Account each day. For certificate Accounts, interest is calculated by the average daily balance method which applies a daily periodic rate to the average daily balance for the average daily balance calculation period. The average daily balance is determined by adding the full amount of the principal balance in Your Account for each dayday of the period and dividing that figure by the number of days in the period. Accrual on Noncash Deposits. For dividend/interest-bearing Accounts, dividends dividends/interest will begin to accrue on the business day that You deposit noncash items (e.g. checks) into Your Account.