Common use of AGREEMENT AND DISCLOSURE FOR ELECTRONIC FUND TRANSFER SERVICES Clause in Contracts

AGREEMENT AND DISCLOSURE FOR ELECTRONIC FUND TRANSFER SERVICES. An electronic fund transfer is a transfer of funds, other than a transaction originated by a check or a draft that is initiated by a debit card or through an electronic terminal, telephone, computer, or magnetic tape for the purpose of authorizing us to debit or credit your checking or savings account. The direct deposit of your paycheck or social security check, the automatic payment of your utility bills, and automated teller machine and debit card transactions are examples of electronic fund transfers. Examples of transactions which are not considered electronic fund transfers include: • Wire transfers. • The automatic crediting of interest to your account. • Pre-authorized transfers between your accounts with us, such as an automatic transfer from your savings to your checking account. • Pre-authorized transfers from your account with us to the account of your family member with us. • Pre-authorized loan payments to repay your loan with us. In addition, your Visa Check Card can be used as a debit card at any merchant displaying the VISA logo. As used in this Agreement, the term “card” refers to Fidelity Bank Visa Check Cards. Use of your card may require a personal code (referred to as a personal identification number, or “PIN”). You will normally be required to use your PIN when you use your Visa Check Card to purchase goods or services from a merchant who debits your account electronically using a point-of-sale electronic terminal at the merchant’s location. These transactions are referred to as “PIN,” “PIN required,” or “online” debit card transactions. In contrast, when you use your Visa Check Card to purchase goods or services from a merchant who displays the VISA logo, the transaction will be handled very much like a traditional credit card transaction. The use of your PIN will not normally be required. For this reason, these transactions are referred to as “no PIN,” “non PIN,” or “off-line” debit card transactions. Your Visa Check Card is not a credit card, however. Unlike a credit card transaction, your checking account is directly debited when you use your Visa Check Card. In addition to the electronic funds transfer services discussed below, our customers may enroll in Fidelity Bank Online Banking, an Internet online banking service. This Agreement and Disclosure applies to all of the electronic funds transfer services we provide, other than services through Fidelity Bank Online Banking. Because of the complexity and unique nature of Fidelity Bank Online Banking, we provide a separate agreement and disclosure for our online banking customers. References in this Agreement and Disclosure to electronic fund transfers and electronic funds transfer services do not include Fidelity Bank Online Banking electronic fund transfers or electronic funds transfer services. Your rights, liabilities and responsibilities for electronic fund transfers are governed by this Agreement and, to the extent applicable, by the provisions of the federal Electronic Fund Transfer Act and the Consumer Financial Protection Bureau’s Regulation E. This Agreement also contains the disclosures we are required by Regulation E to provide you for our electronic funds transfer services. The terms and conditions of this Agreement are in addition to the terms and conditions of any deposit account agreements governing accounts which can be accessed through electronic fund transfers. By using your Visa Check Card, or any of our other electronic funds transfer services, you agree to be bound by the terms and conditions of this Agreement.

AGREEMENT AND DISCLOSURE FOR ELECTRONIC FUND TRANSFER SERVICES. (Regulation E) An electronic fund transfer is a transfer of funds, other than a transaction originated by a check or a draft that is initiated by a debit card or through an electronic terminal, telephone, computer, or magnetic tape for the purpose of authorizing us to debit or credit your checking or savings account. The direct deposit of your paycheck or social security check, the automatic payment of your utility bills, and automated teller machine and debit card transactions are examples of electronic fund transfers. Examples of transactions which are not considered electronic fund transfers include: • Wire transfers. • The automatic crediting of interest to your account. • Pre-authorized transfers between your accounts with us, such as an automatic transfer from your savings to your checking account. • Pre-authorized transfers from your account with us to the account of your family member with us. • Pre-authorized loan payments to repay your loan with us. In addition, your Visa Check Card can be used as a debit card at any merchant displaying the VISA logo. As used in this Agreement, the term “card” refers to Fidelity Bank Visa Check Cards. Use of your card may require a personal code (referred to as a personal identification number, or “PIN”). You will normally be required to use your PIN when you use your Visa Check Card to purchase goods or services from a merchant who debits your account electronically using a point-of-sale electronic terminal at the merchant’s location. These transactions are referred to as “PIN,” “PIN required,” or “online” debit card transactions. In contrast, when you use your Visa Check Card to purchase goods or services from a merchant who displays the VISA logo, the transaction will be handled very much like a traditional credit card transaction. The use of your PIN will not normally be required. For this reason, these transactions are referred to as “no PIN,” “non PIN,” or “off-line” debit card transactions. Your Visa Check Card is not a credit card, however. Unlike a credit card transaction, your checking account is directly debited when you use your Visa Check Card. In addition to the electronic funds transfer services discussed below, our customers may enroll in Fidelity Bank Online Banking, an Internet online banking service. This Agreement and Disclosure applies to all of the electronic funds transfer services we provide, other than services through Fidelity Bank Online Banking. Because of the complexity and unique nature of Fidelity Bank Online Banking, we provide a separate agreement and disclosure for our online banking customers. References in this Agreement and Disclosure to electronic fund transfers and electronic funds transfer services do not include Fidelity Bank Online Banking electronic fund transfers or electronic funds transfer services. Your rights, liabilities and responsibilities for electronic fund transfers are governed by this Agreement and, to the extent applicable, by the provisions of the federal Electronic Fund Transfer Act and the Consumer Financial Protection Bureau’s Regulation E. This Agreement also contains the disclosures we are required by Regulation E to provide you for our electronic funds transfer services. The terms and conditions of this Agreement are in addition to the terms and conditions of any deposit account agreements governing accounts which can be accessed through electronic fund transfers. By using your Visa Check Card, or any of our other electronic funds transfer services, you agree to be bound by the terms and conditions of this Agreement.