Common use of Charges or Fees Clause in Contracts

Charges or Fees. As a participant on the Internet/Mobile Bill Pay Service you will not be charged a fee. • For rush payments, there is a $38 overnight fee assessed. MECU reserves the right to refuse enrollment in the Internet/Mobile Bill Pay Service to any member who does not meet the Internet/Mobile Bill Pay Service criteria which has been established by MECU and/or CO-OP/E-COM. Included in this criterion is a requirement that subscribers to this service must live within the United States, its possessions, and territories. Please note: Your MECU loan accounts may not be paid by using the Internet/Mobile Bill Pay Service, but instead may be paid by using the transfer/payment option on the MECU Internet/Mobile Home Banking service or by automatic transfer from your MECU Checking account at no charge. Additionally, charges for other transactions and optional services (e.g., Non-Sufficient Funds or Stop Payment Fees) are specified in MECU’s Rate & Fee Schedule, which can be found on the MECU web site. You agree to pay such fees and charges and authorize the Service to charge your designated Payment Account for these amounts and any additional charges that may be incurred by you. Any fees associated with your savings or loan accounts will continue to apply. You are responsible for all telephone access fees or Internet service fees that may be assessed by your telephone utility and/or Internet Service Provider. In the Event a Service Transaction Is Returned and/or Overdraws Your Payment Account In using the Service, you are requesting the system to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are not sufficient funds in your Payment Account to cover the transaction), the transaction may not be completed. In some instances, you will receive a return notice by secure electronic message via the MECU Internet/Mobile Home Banking service. In these cases, you agree that a non-sufficient funds (NSF) fee will be charged in accordance with the credit union's established and published fees. Further, you also agree that an NSF fee may be charged to your account even if the payment is not returned but is paid and overdraws your Payment Account. By enrolling for and using this Internet/Mobile Bill Pay service you agree that MECU has the right to transfer funds from your available balance on your line of credit account as well as from all of your share accounts to recover funds for all payments that have been requested to be paid by you and your authorized user: this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint owner.

Charges or Fees. As We may charge a participant on the Internet/Mobile Bill Pay Service you will not be charged a fee. • For rush payments, there is a $38 overnight usage fee assessed. MECU reserves the right to refuse enrollment in the Internet/Mobile Bill Pay Service to any member who does not meet the Internet/Mobile Bill Pay Service criteria which has been established by MECU and/or CO-OP/E-COM. Included in this criterion is a requirement that subscribers to this service must live within the United States, its possessions, and territories. Please note: Your MECU loan accounts may not be paid by using the Internet/Mobile Bill Pay Service, but instead may be paid by using the transfer/payment option on the MECU Internet/Mobile Home Banking service or by automatic transfer from your MECU Checking for each mobile deposit made into an eligible account at no charge. Additionally, charges for other transactions and optional services (e.g., Non-Sufficient Funds or Stop Payment Fees) are specified in MECU’s Rate & Fee Schedule, which can be found on the MECU web site. You agree to pay such fees and charges and authorize the Service to charge your designated Payment Account for these amounts and any additional charges that may be incurred by you. Any fees associated with your savings or loan accounts will continue to apply. You are responsible for all telephone access fees or Internet service fees that may be assessed by your telephone utility and/or Internet Service Provider. In the Event a Service Transaction Is Returned and/or Overdraws Your Payment Account In using the Service, as disclosed on our applicable fee schedule in effect at the time of the deposit. We reserve the right to charge or change a usage fee for the Service at any time. We will comply with any notice requirements under applicable law for such changes. If an item you transmit for deposit is dishonored, rejected or otherwise returned unpaid, you agree that we may charge back the amount of the return to the account the check was originally deposited to and you will be assessed a fee in the amount shown on our current Fee Schedule for a returned deposit item. If there are not sufficient available funds in your account to cover the amount of the returned check, the account will be overdrawn and you will be responsible for payment. You agree that we may debit any account maintained by you in order to obtain payment of your obligations under this agreement. You acknowledge that wireless providers may impose fees, limitations, or restrictions. You agree that you are requesting solely responsible for all such fees, limitations, and restrictions. Consent to Contact You via Mobile Phone You agree that we or our authorized agent may contact you via the system wireless device used to make payments for you from access the Service, including your Payment Account. If we are unable to complete the transaction Compatible Mobile Device, for any reason associated purpose concerning your accounts with us, including but not limited to account servicing and collection purposes. Your consent applies to any mobile device or mobile phone that you use to access the Service and any telephone number you have provided to us or we have obtained. You understand and agree that your Payment Account consent authorizes us or our authorized agent to contact you using autodialed or prerecorded calls and text messages. Eligible Items Subject to exclusions described elsewhere in this agreement, you agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC, Availability of Funds and Collection of Checks. You may only use the Service to deposit original paper checks that are made payable to the name of the account owner. Ineligible Items You agree that you will not use the Service to scan and deposit any ineligible item. Ineligible items include, but are not limited to, the following: • Checks payable to any person or entity other than you; • Checks payable to two (2) or more persons not alternatively, unless deposited into an account owned by all payees (for example, there a check made payable to “Xxxx and Xxxx” cannot be deposited into an account that is not owned by both Xxxx and Xxxx); • Checks payable to a business, estate, or other organization or entity other than a trust; • Checks payable to "Cash," "United Federal Credit Union," or "UFCU" ; • Third party checks (for example, a check that is payable to someone else, endorsed and signed over to you); • Checks that are incomplete (for example, any item that does not contain the signature of the maker, endorsement signature(s), or other required information); • Demand drafts or remotely created checks (for example, checks lacking the original signature of the person authorizing the check); • Substitute checks (for example, paper checks created from an electronic image); • Photocopies of checks; • Checks that require authorization; • Checks with inconsistent numerical and written dollar amounts; • Checks that are not sufficient funds dated; • Checks that are stale-dated (for example, ninety (90) days or more after the issue date for checks containing instructions that state “Void 90 days after issue date”); • Checks that are post-dated (for example, a check showing a future date); • Checks that are more than six (6) months old; • Checks containing an obvious alteration to any of the fields on the front of the check or item; • Checks that you know or suspect are fraudulent or not properly authorized; • Checks not payable in United States currency; • Checks issued by a financial institution located outside the United States; • Checks transmitted from an Office of Foreign Assets Control (OFAC)-restricted country; • Checks drawn or otherwise issued by you or any other party on any of your Payment Account to cover the transaction)accounts with us; • Consumer loan, the transaction may not be completed. In some instancescredit card or mortgage payments; • Money orders or travelers checks; • Starter or counter checks; • Amex Gift Cheques; • Savings bonds; • Registered government warrants; • Insurance drafts; • Rebate checks; • Non-negotiable items (for example, you will receive a return notice by secure electronic message via the MECU Internet/Mobile Home Banking service. In these cases, you agree that a items stamped “non-sufficient funds (NSFnegotiable”); • Deposits to IRA, HSA, or Share Certificate accounts; • Deposits to Representative Payee accounts, estate accounts or other accounts with similar custodial arrangements other than accounts owned by trusts; • Checks that exceed the deposit limit(s) fee will that we establish for the Service; • Checks previously submitted for deposit to us or any other depository bank; • Checks that have previously been returned unpaid for any reason; and • Checks purporting to be charged in accordance a lottery or prize winning. Image Quality The image of the item transmitted to us must be clearly legible. The image being transmitted must comply with the credit union's all standards for image quality established by American National Standards Institute, including but not limited to ANSI X9.100-140, clearing house, association or any other regulatory agency. Endorsement Requirements You agree to endorse all items with your signature and published feesprint "For eDeposit Only at UFCU" on all items. Further, you also agree that an NSF fee may be charged to your account even if the payment is not returned but is paid and overdraws your Payment Account. By enrolling for and using this Internet/Mobile Bill Pay service you agree that MECU has We reserve the right to transfer reject all items that are not endorsed as specified. Deposit and Availability Limits For security reasons, we implement limits on the number and/or dollar amount of mobile deposits you can make using the Service and limits on the availability of funds associated with those mobile deposits. We reserve the right to change these limits or suspend access to the Service as we deem necessary for security reasons. When using the Service to deposit funds, each mobile deposit is limited to $5,000 per check. Receipt of Items We are not liable for items we do not receive or for images that are not transmitted completely. An image is considered received when the status of the item is “Accepted” and the description of the item is “Submitted and Pending Review”. However, such status and description of the item does not mean that the transmission was without error. Once an item is reviewed and approved, the status of the item is “Accepted” and the description of the item is “Your check has been accepted and processed”. All items will be considered transmitted from your available balance on your line of credit account as well as from all and received in St. Xxxxxx, Michigan, regardless of your share accounts to recover funds for all payments that have been requested to be paid by you and your authorized user: this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint ownerphysical location when an item is transmitted or received.

Charges or Fees. As a participant on in the Internet/Mobile Bill Pay Service you will not be charged a fee. • For rush paymentsHowever, there is after 90 days of inactivity on your Internet/Mobile Bill Pay Service, your authorization will be removed. You will be required to complete a $38 overnight fee assessednew Enrollment Request for the Internet/Mobile Bill Pay Service. MECU reserves the right to refuse enrollment in the Internet/Mobile Bill Pay Service to any member who does not meet the Internet/Mobile Bill Pay Service criteria which has been established by MECU and/or COCo-OPOp/E-COMeCom. Included in this criterion criteria is a requirement that subscribers to this service must live within the United States, its possessions, and territories. Please note: Your MECU loan accounts may not be paid by using the Internet/Mobile Bill Pay Service, but instead may be paid by using the transfer/payment option on the MECU Internet/Mobile Home Banking service or by automatic transfer from your MECU Checking account at no charge. Additionally, charges for other transactions and optional services (e.g., Non-Sufficient Funds or Stop Payment Fees) are specified in MECU’s Rate & Fee Schedule, which can be found on the MECU web site. You agree to pay such fees and charges charges, and authorize the Service to charge your designated Payment Account for these amounts and any additional charges that may be incurred by you. Any fees associated with your savings or loan accounts will continue to apply. You are responsible for any and all telephone access fees or Internet service fees that may be assessed by your telephone utility and/or Internet Service Provider. In the Event a Service Transaction Is Returned and/or Overdraws Your Payment Account In using the Service, you are requesting the system to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are not sufficient funds in your Payment Account to cover the transaction), the transaction may not be completed. In some instances, you will receive a return notice by secure electronic message via the MECU Internet/Mobile Home Banking service. In these cases, you agree that a non-sufficient funds (NSF) fee will be charged in accordance with the credit union's established and published fees. Further, you also agree that an a NSF fee may be charged to your account even if the payment is not returned but is paid and overdraws your Payment Account. By enrolling for and using this Internet/Mobile Bill Pay service you agree that MECU has the right to transfer funds from your available balance on your line of credit account as well as from all of your share accounts to recover funds for all payments that have been requested to be paid by you and your authorized user: this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint owner.

Charges or Fees. As We may charge a participant on the Internet/Mobile Bill Pay Service you will not be charged a fee. • For rush payments, there is a $38 overnight usage fee assessed. MECU reserves the right to refuse enrollment in the Internet/Mobile Bill Pay Service to any member who does not meet the Internet/Mobile Bill Pay Service criteria which has been established by MECU and/or CO-OP/E-COM. Included in this criterion is a requirement that subscribers to this service must live within the United States, its possessions, and territories. Please note: Your MECU loan accounts may not be paid by using the Internet/Mobile Bill Pay Service, but instead may be paid by using the transfer/payment option on the MECU Internet/Mobile Home Banking service or by automatic transfer from your MECU Checking for each mobile deposit made into an eligible account at no charge. Additionally, charges for other transactions and optional services (e.g., Non-Sufficient Funds or Stop Payment Fees) are specified in MECU’s Rate & Fee Schedule, which can be found on the MECU web site. You agree to pay such fees and charges and authorize the Service to charge your designated Payment Account for these amounts and any additional charges that may be incurred by you. Any fees associated with your savings or loan accounts will continue to apply. You are responsible for all telephone access fees or Internet service fees that may be assessed by your telephone utility and/or Internet Service Provider. In the Event a Service Transaction Is Returned and/or Overdraws Your Payment Account In using the Service, as disclosed on our applicable fee schedule in effect at the time of the deposit. We reserve the right to charge or change a usage fee for the Service at any time. We will comply with any notice requirements under applicable law for such changes. If an item you transmit for deposit is dishonored, rejected or otherwise returned unpaid, you agree that we may charge back the amount of the return to the account the check was originally deposited to and you will be assessed a fee in the amount shown on our current Fee Schedule for a returned deposit item. If there are not sufficient available funds in your account to cover the amount of the returned check, the account will be overdrawn and you will be responsible for payment. You agree that we may debit any account maintained by you in order to obtain payment of your obligations under this agreement. You acknowledge that wireless providers may impose fees, limitations, or restrictions. You agree that you are requesting solely responsible for all such fees, limitations, and restrictions. Consent to Contact You via Mobile Phone You agree that we or our authorized agent may contact you via the system wireless device used to make payments for you from access the Service, including your Payment Account. If we are unable to complete the transaction Compatible Mobile Device, for any reason associated purpose concerning your accounts with us, including but not limited to account servicing and collection purposes. Your consent applies to any mobile device or mobile phone that you use to access the Service and any telephone number you have provided to us or we have obtained. You understand and agree that your Payment Account consent authorizes us or our authorized agent to contact you using autodialed or prerecorded calls and text messages. Eligible Items Subject to exclusions described elsewhere in this agreement, you agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC, Availability of Funds and Collection of Checks. You may only use the Service to deposit original paper checks that are made payable to the name of the account owner. Ineligible Items You agree that you will not use the Service to scan and deposit any ineligible item. Ineligible items include, but are not limited to, the following: • Checks payable to any person or entity other than you; • Checks payable to two (2) or more persons not alternatively, unless deposited into an account owned by all payees (for example, there a check made payable to “Xxxx and Xxxx” cannot be deposited into an account that is not owned by both Xxxx and Xxxx); • Checks payable to a business, organization, or estate; • Checks payable to "Cash," "United Federal Credit Union," or "UFCU" ; • Third party checks (for example, a check that is payable to someone else, endorsed and signed over to you); • Checks that are incomplete (for example, any item that does not contain the signature of the maker, endorsement signature(s), or other required information); • Demand drafts or remotely created checks (for example, checks lacking the original signature of the person authorizing the check); • Substitute checks (for example, paper checks created from an electronic image); • Photocopies of checks; • Checks that require authorization; • Checks with inconsistent numerical and written dollar amounts; • Checks that are not sufficient funds dated; • Checks that are stale-dated (for example, ninety (90) days or more after the issue date for checks containing instructions that state “Void 90 days after issue date”); • Checks that are post-dated (for example, a check showing a future date); • Checks that are more than six (6) months old; • Checks containing an obvious alteration to any of the fields on the front of the check or item; • Checks that you know or suspect are fraudulent or not properly authorized; • Checks not payable in United States currency; • Checks issued by a financial institution located outside the United States; • Checks transmitted from an Office of Foreign Assets Control (OFAC)-restricted country; • Checks drawn or otherwise issued by you or any other party on any of your Payment Account to cover the transaction)accounts with us; • Consumer loan, the transaction may not be completed. In some instancescredit card or mortgage payments; • Money orders or travelers checks; • Starter or counter checks; • Amex Gift Cheques; • Savings bonds; • Registered government warrants; • Insurance drafts; • Rebate checks; • Non-negotiable items (for example, you will receive a return notice by secure electronic message via the MECU Internet/Mobile Home Banking service. In these cases, you agree that a items stamped “non-sufficient funds (NSFnegotiable”); • Deposits to IRA, HSA, or Share Certificate accounts; • Deposits to Trust accounts, Representative Payee accounts, Estate accounts or other accounts with similar custodial arrangements; • Checks that exceed the deposit limit(s) fee will that we establish for the Service; • Checks previously submitted for deposit to us or any other depository bank; • Checks that have previously been returned unpaid for any reason; and • Checks purporting to be charged in accordance a lottery or prize winning. Image Quality The image of the item transmitted to us must be clearly legible. The image being transmitted must comply with the credit union's all standards for image quality established by American National Standards Institute, including but not limited to ANSI X9.100-140, clearing house, association or any other regulatory agency. Endorsement Requirements You agree to endorse all items with your signature and published feesprint "For eDeposit Only at UFCU" on all items. Further, you also agree that an NSF fee may be charged to your account even if the payment is not returned but is paid and overdraws your Payment Account. By enrolling for and using this Internet/Mobile Bill Pay service you agree that MECU has We reserve the right to transfer funds reject all items that are not endorsed as specified. Deposit Limits For security reasons, we implement limits on the number and/or dollar amount of mobile deposits you can make using the Service. We reserve the right to change these limits or suspend access to the Service as we deem necessary for security reasons. When using the Service to deposit funds, each mobile deposit is limited to $5,000 per check. Receipt of Items We are not liable for items we do not receive or for images that are not transmitted completely. An image is considered received when the status of the item is “Accepted” and the description of the item is “Submitted and Pending Review”. However, such status and description of the item does not mean that the transmission was without error. Once an item is reviewed and approved, the status of the item is “Accepted” and the description of the item is “Your check has been accepted and processed”. All items shall be considered transmitted from your available balance on your line of credit account as well as from all and received in St. Xxxxxx, Michigan, regardless of your share accounts to recover funds for all payments that have been requested to be paid by you and your authorized user: this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint ownerphysical location when an item is transmitted or received.

Charges or Fees. As a participant on the Internet/Mobile Bill Pay Service you Altra will not be charged charge a feeusage fee for this service. • For rush payments, We reserve the right to start charging for this service at any time. In the event there is a $38 overnight change in charges for the use of this service, we will send you an electronic notification at the email address on file to notify you of the change. Charges will be assessed for any claims, disputes, or research regarding deposits made beyond 60 days from the requested date. The fee assessedfor this research is in accordance with our Service Charges disclosure and subject to change without prior notice. MECU reserves Funds Availability To determine the right availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. Our policy is to refuse enrollment make the funds you deposit into your account available on the same day of deposit. Although we aim to deposit all funds immediately, there will be certain situations that require review. This review will cause a delay in the Internet/Mobile Bill Pay Service depository process and the potential for a hold to be placed on the funds. If a deposit meets any member who does not meet of the Internet/Mobile Bill Pay Service criteria which has following exception reasons, there will be a delay in the funds being deposited. • Individual Items over $1,000 • Batches totaling over $1,000 • Items over your given depository limit shown as “Maximum Check Amount” on the Deposit a Check screen on the mobile app. • Duplicate items • Item amount discrepancies These exceptions are reviewed once a day on every business day only. Once the items have been established reviewed, the funds will either be deposited by MECU and/or CO-OP/E-COMthe end of the next business day, or an email will be sent notifying you of a rejected deposit. Included in this criterion Credit given for the item is a requirement that subscribers provisional and subject to this service must live within final approval of the United States, its possessions, and territoriesitem. Please note: Your MECU loan accounts may not be paid by using the Internet/Mobile Bill Pay Service, but instead Funds you deposit may be paid by using delayed for a longer period of time when we have reasonable cause to believe the transfer/payment option on check is uncollectable. We will notify you if we delay your ability to withdraw funds because we believe the MECU Internet/Mobile Home Banking service or by automatic transfer from your MECU Checking account at no charge. Additionally, charges for other transactions check is uncollectable and optional services (e.g., Non-Sufficient Funds or Stop Payment Fees) are specified in MECU’s Rate & Fee Schedule, which can we will tell you when funds will be found on the MECU web siteavailable. You agree to pay such fees and charges and authorize the Service receive all notifications regarding your use of this service, including but not limited to charge your designated Payment Account exception notices as required by Regulation CC via electronic message. With respect to each item you send to Altra for these amounts and any additional charges that may be incurred by you. Any fees associated with your savings or loan accounts will continue to apply. You are responsible for all telephone access fees or Internet service fees that may be assessed by your telephone utility and/or Internet Service Provider. In the Event a Service Transaction Is Returned and/or Overdraws Your Payment Account In using the Service, you are requesting the system to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are not sufficient funds in your Payment Account to cover the transaction), the transaction may not be completed. In some instances, you will receive a return notice by secure electronic message via the MECU Internet/Mobile Home Banking service. In these casesdeposit, you agree that a non-sufficient funds (NSF) fee will be charged to indemnify and reimburse Altra for and hold Altra harmless from and against any and all losses, costs, and expenses. Eligible Items for Deposit You agree to scan and deposit only “checks” which is defined in accordance with the credit union's established and published feesFederal Regulation CC. Further, you also You agree that the image of the check transmitted to us shall be deemed an NSF fee may be charged to your account even if “item” within the payment is not returned but is paid and overdraws your Payment Account. By enrolling for and using this Internet/Mobile Bill Pay service you agree that MECU has meaning of Article 4 of the right to transfer funds from your available balance on your line of credit account as well as from all of your share accounts to recover funds for all payments that have been requested to be paid by you and your authorized user: this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint ownerUniform Commercial Code.

Charges or Fees. As We may charge a participant on the Internet/Mobile Bill Pay Service you will not be charged a fee. • For rush payments, there is a $38 overnight usage fee assessed. MECU reserves the right to refuse enrollment in the Internet/Mobile Bill Pay Service to any member who does not meet the Internet/Mobile Bill Pay Service criteria which has been established by MECU and/or CO-OP/E-COM. Included in this criterion is a requirement that subscribers to this service must live within the United States, its possessions, and territories. Please note: Your MECU loan accounts may not be paid by using the Internet/Mobile Bill Pay Service, but instead may be paid by using the transfer/payment option on the MECU Internet/Mobile Home Banking service or by automatic transfer from your MECU Checking for each mobile deposit made into an eligible account at no charge. Additionally, charges for other transactions and optional services (e.g., Non-Sufficient Funds or Stop Payment Fees) are specified in MECU’s Rate & Fee Schedule, which can be found on the MECU web site. You agree to pay such fees and charges and authorize the Service to charge your designated Payment Account for these amounts and any additional charges that may be incurred by you. Any fees associated with your savings or loan accounts will continue to apply. You are responsible for all telephone access fees or Internet service fees that may be assessed by your telephone utility and/or Internet Service Provider. In the Event a Service Transaction Is Returned and/or Overdraws Your Payment Account In using the Service, as disclosed on our applicable fee schedule in effect at the time of the deposit. We reserve the right to charge or change a usage fee for the Service at any time. We will comply with any notice requirements under applicable law for such changes. If an item you transmit for deposit is dishonored, rejected or otherwise returned unpaid, you agree that we may charge back the amount of the return to the account the check was originally deposited to and you will be assessed a fee in the amount shown on our current Fee Schedule for a returned deposit item. If there are not sufficient available funds in your account to cover the amount of the returned check, the account will be overdrawn and you will be responsible for payment. You agree that we may debit any account maintained by you in order to obtain payment of your obligations under this agreement. You acknowledge that wireless providers may impose fees, limitations, or restrictions. You agree that you are requesting solely responsible for all such fees, limitations, and restrictions. Consent to Contact You Via Mobile Phone You agree that we or our authorized agent may contact you via the system wireless device used to make payments for you from access the Service, including your Payment Account. If we are unable to complete the transaction Compatible Mobile Device, for any reason associated purpose concerning your accounts with us, including but not limited to account servicing and collection purposes. Your consent applies to any mobile device or mobile phone that you use to access the Service and any telephone number you have provided to us or we have obtained. You understand and agree that your Payment Account consent authorizes us or our authorized agent to contact you using autodialed or prerecorded calls and text messages. Eligible Items Subject to exclusions described elsewhere in this agreement, you agree to scan and deposit only “checks” as that term is defined in the Federal Reserve Regulation CC, Availability of Funds and Collection of Checks. You may only use the Service to deposit original paper checks that are made payable to the name of the account owner. Ineligible Items You agree that you will not use the Service to scan and deposit any ineligible item. Ineligible items include, but are not limited to, the following: • Checks payable to any person or entity other than you; • Checks payable to two (2) or more persons not alternatively, unless deposited into an account owned by all payees (for example, there are not sufficient funds in your Payment Account a check made payable to cover the transaction), the transaction may “Xxxx and Xxxx” cannot be completed. In some instances, you will receive a return notice by secure electronic message via the MECU Internet/Mobile Home Banking service. In these cases, you agree deposited into an account that a non-sufficient funds (NSF) fee will be charged in accordance with the credit union's established and published fees. Further, you also agree that an NSF fee may be charged to your account even if the payment is not returned but is paid owned by both Xxxx and overdraws your Payment Account. By enrolling for and using this Internet/Mobile Bill Pay service you agree that MECU has the right Xxxx); • Checks payable to transfer funds from your available balance on your line of credit account as well as from all of your share accounts to recover funds for all payments that have been requested to be paid by you and your authorized user: this includes accounts on which you are the primary member-ownera business, as well as accounts on which you are the joint owner.estate, or other organization or a trust;

Charges or Fees. As No usage fee is charged for a participant mobile deposit made into any account using the Service. We reserve the right to change the usage fee for the Service at any time. We will comply with any notice requirements under applicable law for such changes. If an item you transmit for deposit is dishonored, rejected or otherwise returned unpaid, you agree that we may charge back the amount of the return to the account the check was originally deposited to and you will be assessed a fee in the amount shown on our current Fee Schedule for a returned deposit item. If there are not sufficient available funds in your account to cover the Internet/Mobile Bill Pay amount of the returned check, the account will be overdrawn and you will be responsible for payment. You agree that we may debit any account maintained by you in order to obtain payment of your obligations under this agreement. You acknowledge that wireless providers may impose fees, limitations, or restrictions. You agree that you are solely responsible for all such fees, limitations, and restrictions, and that we may contact you via your wireless device for any purpose concerning your accounts with us, including but not limited to account servicing and collection purposes. Eligible Items Subject to exclusions described elsewhere in this agreement, you agree to scan and deposit only "checks" as that term is defined in Federal Reserve Regulation CC, Availability of Funds and Collection of Checks. You may only use the Service to deposit original paper checks that are made payable to the name of the account owner. Ineligible Items You agree that you will not be charged a fee. • For rush payments, there is a $38 overnight fee assessed. MECU reserves the right to refuse enrollment in the Internet/Mobile Bill Pay Service to any member who does not meet the Internet/Mobile Bill Pay Service criteria which has been established by MECU and/or CO-OP/E-COM. Included in this criterion is a requirement that subscribers to this service must live within the United States, its possessions, and territories. Please note: Your MECU loan accounts may not be paid by using the Internet/Mobile Bill Pay Service, but instead may be paid by using the transfer/payment option on the MECU Internet/Mobile Home Banking service or by automatic transfer from your MECU Checking account at no charge. Additionally, charges for other transactions and optional services (e.g., Non-Sufficient Funds or Stop Payment Fees) are specified in MECU’s Rate & Fee Schedule, which can be found on the MECU web site. You agree to pay such fees and charges and authorize use the Service to charge your designated Payment Account for these amounts scan and deposit any additional charges that may be incurred ineligible item. Ineligible items include, but are not limited to, the following: • Checks payable to any person or entity other than you; • Checks payable to two (2) or more persons not alternatively, unless deposited into an account owned by you. Any fees associated with your savings or loan accounts will continue to apply. You are responsible for all telephone access fees or Internet service fees that may be assessed by your telephone utility and/or Internet Service Provider. In the Event a Service Transaction Is Returned and/or Overdraws Your Payment Account In using the Service, you are requesting the system to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account payees (for example, there a check made payable to “Xxxx and Xxxx” cannot be deposited into an account that is not owned by both Xxxx and Xxxx); • Checks payable to a business, organization, or estate; • Checks payable to "Cash," "Arkansas Best Federal Credit Union," or "ABFCU" • Third party checks (for example, a check that is payable to someone else, endorsed and signed over to you); • Checks that are incomplete (for example, any item that does not contain the signature of the maker, endorsement signature(s), or other required information); • Demand drafts or remotely created checks (for example, checks lacking the original signature of the person authorizing the check); • Substitute checks (for example, paper checks created from an electronic image); • Photocopies of checks; • Checks that require authorization; • Checks with inconsistent numerical and written dollar amounts; • Checks that are not sufficient funds dated; • Checks that are stale-dated (for example, ninety (90) days or more after the issue date for checks containing instructions that state “Void 90 days after issue date”); • Checks that are post-dated (for example, a check showing a future date); • Checks that are more than six (6) months old; • Checks containing an obvious alteration to any of the fields on the front of the check or item; • Checks that you know or suspect are fraudulent or not properly authorized; • Checks not payable in United States currency; • Checks issued by a financial institution located outside the United States; • Checks transmitted from an Office of Foreign Assets Control (OFAC)-restricted country; • Checks drawn or otherwise issued by you or any other party on any of your Payment Account to cover the transaction)accounts with us; • Consumer loan, the transaction may not be completed. In some instancescredit card or mortgage payments; • Money orders or traveler’s checks; • Starter or counter checks; • Amex Gift Cheques; • Savings bonds; • Registered government warrants; • Insurance drafts; • Rebate checks; • Non-negotiable items (for example, you will receive a return notice by secure electronic message via the MECU Internet/Mobile Home Banking service. In these cases, you agree that a items stamped “non-sufficient funds (NSFnegotiable”); • Deposits to IRA, HSA, or Share Certificate accounts; • Deposits to Trust accounts, Representative Payee accounts, Estate accounts or other accounts with similar custodial arrangements; • Checks that exceed the deposit limit(s) fee will that we establish for the Service; • Checks previously submitted for deposit; • Checks that have previously been returned unpaid for any reason; and • Checks purporting to be charged in accordance a lottery or prize winning. • Credit Card checks Image Quality The image of the item transmitted to us must be clearly legible. Image quality is set by Check 21 standards. Endorsement Requirements You agree to endorse all items with the credit union's established and published feesyour signature on all items. Further, you also agree that an NSF fee may be charged to your account even if the payment is not returned but is paid and overdraws your Payment Account. By enrolling for and using this Internet/Mobile Bill Pay service you agree that MECU has We reserve the right to transfer funds from your available balance reject all items that are not endorsed as specified. Deposit Limits For security reasons, we implement limits on your line the number and/or dollar amount of mobile deposits you can make using the Service. We reserve the right to change these limits or suspend access to the Service as we deem necessary for security reasons. When using the Service to deposit funds: • Maximum amount of deposit per check • Maximum amount of deposits per day • Maximum amount of immediate credit account as well as from all per check • Maximum amount of your share accounts to recover funds immediate credit outstanding • Maximum # of checks per day • Maximum amount in rolling 30 days Receipt of Items We are not liable for all payments items we do not receive or for images that have are not transmitted completely. An image is considered received when the status of the item is “Accepted” and the description of the item is “Submitted and Pending Review”. However, such status and description of the item does not mean that the transmission was without error. Once an item is reviewed and approved, the status of the item is “Accepted” and the description of the item is “Your check has been requested to be paid by you accepted and your authorized user: this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint ownerprocessed”.

Charges or Fees. As a participant on in the Internet/Mobile Internet Bill Pay Service you will not be charged a fee. • For rush payments, there is a $38 overnight fee assessed. MECU reserves the right according to refuse enrollment in the Internet/Mobile Bill Pay Service to any member who does not meet the Internet/Mobile Bill Pay Service criteria which has been established by MECU and/or CO-OP/E-COM. Included in this criterion is a requirement that subscribers to this service must live within the United States, its possessions, our Rate and territoriesFee Schedule. Please note: Your MECU Citizens State Bank loan accounts may not be paid by using the Internet/Mobile Internet Bill Pay Service, but instead may be paid by using the transfer/payment option on the MECU Internet/Mobile Home Citizens State Bank Online Banking service or by automatic transfer from your MECU Citizens State Bank Checking account at no charge. Additionally, charges for other transactions and optional services (e.g., Non-Sufficient Funds or Stop Payment Fees) are specified in MECUCitizens State Bank’s Rate & Fee Schedule, Schedule which can be found on the MECU Citizens State Bank’s web site. If you opt to utilize the expedited payment services, you will be charged $5.00 per electronic payment and $35.00 per overnight check. You agree to pay such fees and charges charges, and authorize the Service to charge your designated Payment Account for these amounts and any additional charges that may be incurred by you. Any fees associated with your savings or loan accounts will continue to apply. You are responsible for any and all telephone access fees or Internet service fees that may be assessed by your telephone utility and/or Internet Service Provider. In the Event a Service Transaction Is Returned and/or Overdraws Your Payment Account In using the Service, you are requesting the system to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are not sufficient funds in your Payment Account to cover the transaction), the transaction may not be completed. In some instances, you will receive a return notice by secure electronic message via the MECU Internet/Mobile Home Banking service. In these cases, you agree that a non-sufficient funds (NSF) fee will be charged in accordance with the credit union's Citizens State Bank’s established and published fees. Further, you also agree that an a NSF fee may be charged to your account even if the payment is not returned but is paid and overdraws your Payment Account. By enrolling for and using this Internet/Mobile Internet Bill Pay service you agree that MECU Citizens State Bank has the right to transfer funds from your available balance on your ready reserve line of credit account as well as from all of your share accounts to recover funds for all payments that have been requested to be paid by you and your authorized user: this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint owner.

Charges or Fees. As a participant on the Internet/Mobile Bill Pay Service you Altra will not be charged charge a feeusage fee for this service. • For rush payments, We reserve the right to start charging for this service at any time. In the event there is a $38 overnight change in charges for the use of this service, we will send you an electronic notification at the email address on file to notify you of the change. Charges will be assessed for any claims, disputes, or research regarding deposits made beyond 60 days from the requested date. The fee assessedfor this research is in accordance with our Service Charges disclosure and subject to change without prior notice. MECU reserves Funds Availability To determine the right availability of your deposits, every day is a business day, except Saturdays, Sundays, and Federal holidays. Our policy is to refuse enrollment make the funds you deposit into your account available on the same day of deposit. Although we aim to deposit all funds immediately, there will be certain situations that require review such as large deposits, duplicate dollar deposits, and suspicious checks. This review will cause a delay in the Internet/Mobile Bill Pay Service depository process and the potential for a hold to any member who does not meet be placed on the Internet/Mobile Bill Pay Service criteria which has funds. These exceptions are reviewed throughout the business day. Once the items have been established by MECU and/or CO-OP/E-COMreviewed, the funds will either be deposited or an email will be sent notifying you of a rejected deposit. Included in this criterion Credit given for the item is provisional and subject to final approval of the item. Funds you deposit may be delayed for a requirement that subscribers longer period of time when we have reasonable cause to this service must live within believe the United States, its possessionscheck is uncollectable. We will notify you if we delay your ability to withdraw funds because we believe the check is uncollectable, and territories. Please note: Your MECU loan accounts may not we will tell you when funds will be paid by using the Internet/Mobile Bill Pay Service, but instead may be paid by using the transfer/payment option on the MECU Internet/Mobile Home Banking service or by automatic transfer from your MECU Checking account at no charge. Additionally, charges for other transactions and optional services (e.g., Non-Sufficient Funds or Stop Payment Fees) are specified in MECU’s Rate & Fee Schedule, which can be found on the MECU web siteavailable. You agree to pay such fees and charges and authorize the Service receive all notifications regarding your use of this service, including, but not limited to, exception notices as required by Regulation CC via electronic message. With respect to charge your designated Payment Account each item you send to Altra for these amounts and any additional charges that may be incurred by you. Any fees associated with your savings or loan accounts will continue to apply. You are responsible for all telephone access fees or Internet service fees that may be assessed by your telephone utility and/or Internet Service Provider. In the Event a Service Transaction Is Returned and/or Overdraws Your Payment Account In using the Service, you are requesting the system to make payments for you from your Payment Account. If we are unable to complete the transaction for any reason associated with your Payment Account (for example, there are not sufficient funds in your Payment Account to cover the transaction), the transaction may not be completed. In some instances, you will receive a return notice by secure electronic message via the MECU Internet/Mobile Home Banking service. In these casesdeposit, you agree that a non-sufficient funds (NSF) fee will be charged in accordance with the credit union's established to indemnify and published fees. Further, you also agree that an NSF fee may be charged to your account even if the payment is not returned but is paid and overdraws your Payment Account. By enrolling reimburse Altra for and using this Internet/Mobile Bill Pay service you agree that MECU has the right to transfer funds hold Altra harmless from your available balance on your line of credit account as well as from and against any and all of your share accounts to recover funds for all payments that have been requested to be paid by you losses, costs, and your authorized user: this includes accounts on which you are the primary member-owner, as well as accounts on which you are the joint ownerexpenses.