Common use of Advantages Online™ Mobile Banking Clause in Contracts

Advantages Online™ Mobile Banking. You may access your personal account(s) by using your Advantages Online™ username and password to initiate transactions using a compatible mobile access device and the UECU mobile banking App. You may use the mobile banking service to: (1) view account balances on deposit and loan accounts; (2) transfer funds between your deposit accounts; (3) transfer funds to or from a deposit account at a financial institution account designated by your ACH Authorization Agreement or set up in Advantages Online™ Home Banking (certain volume and dollar restrictions may apply); (4) transfer funds from your deposit accounts to pay on your UECU loan or line-of-credit; (5) make cross-account transfers to deposit funds into another of your membership accounts or into another member’s account that has an established link (It does not allow you to access the destination account or account information unless you are the sole owner of that account. This service excludes IRA and Certificate of Deposit accounts); (6) view and print or download account transaction activity; (7) access, view, and pay your monthly bills via Advantages Bill Pay™, our electronic bill payment service; and (8) electronically deposit checks using our e-Posit™ Mobile service. Advantages Online™ Home Banking and Advantages Online™ Mobile Banking are generally available 24 hours a day, 7 days a week. This service may be interrupted for a short time each day for data processing. Generally, if your Advantages Online™ withdrawal transaction request is completed before 1:00 p.m., and a reasonable amount of time is available to verify and validate the withdrawal/transfer request, it will be processed the same business day. If your Advantages Online™ withdrawal transaction is completed after 1:00 p.m. or on a weekend or holiday, it will be processed on the next business day. UECU does not presently charge a fee for the Advantages Online™ home or mobile banking service. We do reserve the right to do so in the future and will provide advance notice to all users through the system, in accordance with applicable regulations, if charges are assessed.

Advantages Online™ Mobile Banking. You may access your personal account(s) by using your Advantages Online™ username Username and password Password to initiate transactions using a compatible mobile access device and the UECU mobile banking App. You may use the mobile banking service to: (1) view • View account balances on deposit and loan accounts; (2) transfer . • Transfer funds between your deposit accounts; (3) transfer . • Transfer funds to or from a deposit account at a financial institution account designated by your ACH Authorization Agreement or set up in Advantages Online™ Home Banking (certain Banking. Certain volume and dollar restrictions may apply); (4) transfer . • Transfer funds from your deposit accounts to pay on your UECU loan or line-of-credit; (5) make . • Make cross-account transfers to deposit funds into another of your membership accounts or into another member’s account that has an established link (link. It does not allow you to access the destination account or account information unless you are the sole owner of that account. (This service excludes IRA XXX and Certificate of Deposit accounts); (6) view . • View and print or download account transaction activity; (7) access. • Access, view, and pay your monthly bills via Advantages Bill Xxxx Pay™, our electronic bill xxxx payment service; and (8) electronically . .Electronically deposit checks using our e-Posit™ Mobile service. Advantages Online™ Home Banking and Advantages Online™ Mobile Banking are generally available 24 hours a day, 7 days a week. This service may be interrupted for a short time each day for data processing. Generally, if your Advantages Online™ withdrawal transaction request is completed before 1:00 p.m., and a reasonable amount of time is available to verify and validate the withdrawal/transfer request, it will be processed the same business day. If your Advantages Online™ withdrawal transaction is completed after 1:00 p.m. or on a weekend or holiday, it will be processed on the next business day. UECU does not presently charge a fee for the Advantages Online™ home or mobile banking service. We do reserve the right to do so in the future and will provide advance notice to all users through the system, in accordance with applicable regulations, if charges are assessed.. Advantages Xxxx Pay™ Advantages Xxxx Pay™ is an electronic xxxx payment service that allows you to access, view, and pay your monthly bills from UECU’s secure website. You may access Advantages Xxxx Pay™ through your Advantages Online™ Username and Password. You may use this service to: • Make xxxx payments from your checking account in amounts you designate on the days you request. • Schedule one-time, variable or recurring monthly payments. • Schedule payments up to a year in advance • Review, change or cancel pending payments. • Access a full twelve months of payment history. We will withdraw the designated funds from your checking account. Some payments may be delayed. The earliest available payment date is shown at the time you schedule a payment. If you do not use the Advantages Xxxx Pay™ service at least once in a six-month period, it will be cancelled. Payments to billers outside the United States or its territories are prohibited through the service. Refer to the Advantages Xxxx Pay™ homepage for fee information and additional terms and conditions associated with this service. Any fees associated with your deposit accounts will continue to apply. Refer to our current Fee Schedule. Automated Teller Machine (ATM) and Point of Sale (POS)

Advantages Online™ Mobile Banking. You may access your personal account(s) by using your Advantages Online™ username Username and password Password to initiate transactions using a compatible mobile access device and the UECU mobile banking App. You may use the mobile banking service to: (1) view  View account balances on deposit and loan accounts; (2) transfer .  Transfer funds between your deposit accounts; (3) transfer .  Transfer funds to or from a deposit account at a financial institution account designated by your ACH Authorization Agreement or set up in Advantages Online™ Home Banking (certain volume and dollar restrictions may apply); (4) transfer Banking.  Transfer funds from your deposit accounts to pay on your UECU loan or line-of-credit; (5) make .  Make cross-account transfers to deposit funds into another of your membership accounts or into another member’s account that has an established link (link. It does not allow you to access the destination account or account information unless you are the sole owner of that account. (This service excludes IRA XXX and Certificate of Deposit accounts); (6) view .  View and print or download account transaction activity; (7) access.  Access, view, and pay your monthly bills via Advantages Bill Xxxx Pay™, our electronic bill xxxx payment service; and (8) electronically deposit checks using our e-Posit™ Mobile service. Advantages Online™ Home Banking and Advantages Online™ Mobile Banking are generally available 24 hours a day, 7 days a week. This service may be interrupted for a short time each day for data processing. Generally, if your Advantages Online™ withdrawal transaction request is completed before 1:00 p.m., and a reasonable amount of time is available to verify and validate the withdrawal/transfer request, it will be processed the same business day. If your Advantages Online™ withdrawal transaction is completed after 1:00 p.m. or on a weekend or holiday, it will be processed on the next business day. UECU does not presently charge a fee for the Advantages Online™ home or mobile banking service. We do reserve the right to do so in the future and will provide advance notice to all users through the system, in accordance with applicable regulations, if charges are assessed. Advantages Xxxx Pay Advantages Xxxx Pay™ is an electronic xxxx payment service that allows you to access, view, and pay your monthly bills from UECU's secure website. You may access Advantages Xxxx Pay™ through your Advantages Online™ Username and Password. You may use this service to:  Make xxxx payments from your checking account in amounts you designate on the days you request.  Schedule one-time, variable or recurring monthly payments.  Schedule payments up to a year in advance  Review, change or cancel pending payments.  Access a full twelve months of payment history. We will withdraw the designated funds from your checking account. The earliest available payment date is four days from the request date. If you do not use the Advantages Xxxx Pay™ service at least once in a six-month period, it will be cancelled. Payments to billers outside the United States or its territories are prohibited through the service. Refer to the Advantages Xxxx Pay™ homepage for fee information and additional terms and conditions associated with this service. Any fees associated with your deposit accounts will continue to apply. Refer to our current Fee Schedule.