Common use of Deviating from Security Procedures Clause in Contracts

Deviating from Security Procedures. You agree to allow us to authorize any Financial Institution at which you have an Account to accept funds and transfer instructions in accordance with any authorization procedures as may be agreed from time to time between you and such Financial Institution, or between us, on your behalf, and such Financial Institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition you agree that we may authorize such Financial Institution to charge and debit your accounts based solely on these communications. Account Number Policy If funds transfer instructions identify a bank or beneficiary by name and account number, the relevant Financial Institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that the Credit Union and other Financial Institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers. Joint Account Holder In accepting the Agreement for the Service, you confirm that, if any of your Accounts is a joint account, your joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that (i) they never consented to your use of our online money movement Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account. Means of Transfer You authorize us to select any means we deem suitable to provide your funds transfer instructions to the applicable Financial Institution. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems automated clearing house (ACH) as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal period and if any interest is earned will be the property of Credit Union.

Deviating from Security Procedures. You agree to allow us to authorize any Financial Institution financial institution at which you have an Account to accept funds and transfer instructions in accordance with any authorization procedures as may be agreed from time to time between you and such Financial Institutionfinancial institution, or between us, on your behalf, and such Financial Institutionfinancial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition you agree that we may authorize such Financial Institution financial institutions to charge and debit your accounts based solely on these communications. Account Number Policy If funds transfer instructions identify a bank or beneficiary by name and account number, the relevant Financial Institution financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that the Credit Union and other Financial Institutions such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers. Joint Account Holder In accepting the Agreement submitting your application for the Online Money Movement Service, you confirm that, if any of your Accounts is a joint account, your joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that (i) they never consented to your use of our online money movement Online Money Movement Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account. Means of Transfer You authorize us to select any means we deem suitable to provide your funds transfer instructions to the applicable Financial Institutionfinancial institution. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems systems, such as CHIPS or automated clearing house (ACH) as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal period and if any interest is earned will be the property of Affinity Federal Credit Union.

Deviating from Security Procedures. You agree to allow us to authorize any Financial Institution at which you have an Account Tidemark FCU involved in the POPMoney transfer to accept funds and your transfer instructions in accordance with any authorization procedures as may be agreed to from time to time between you and such Financial InstitutionTidemark FCU, or between us, on your behalf, and such Financial InstitutionTidemark FCU, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed to by you directly or by us on your behalf. In addition addition, you agree that we may authorize such Financial Institution Tidemark FCUs to charge and debit your accounts based solely on these communications. Account Number Policy ACCOUNT NUMBER POLICY If funds your POPMoney transfer instructions identify a bank or beneficiary by name and routing number, and the Recipient’s name and account number, the relevant Financial Institution Recipient’s Account Provider may execute those instructions by reference to the number numbers provided only, even if the number does not correspond to the namename provided. You understand that the Credit Union and other Financial Institutions such Tidemark FCUs may not investigate discrepancies between names and numbers. In addition, you agree that we Tidemark FCU and our Service Provider have no responsibility to investigate discrepancies between names and numbers. Joint Account Holder JOINT ACCOUNT HOLDER In accepting the Agreement submitting your application for the Online Money Movement Service, you confirm that, that if any of your Accounts at Tidemark FCU is a joint jointly held account, your the joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that (i) they never consented to your use of our online money movement Online Money Movement Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account. Means of Transfer You MEANS OF TRANSFER While we have previously indicated most POPMoney transfers will occur via ACH, you authorize us to select any means we deem suitable or necessary to provide your funds transfer instructions to the applicable Financial InstitutionTidemark FCU. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems systems, such as automated clearing house (ACH) ), as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on timetime (typically within 3 to 5 business days); however, we reserve the right to hold funds beyond the normal period from time to time depending upon circumstances. RECEIVING POPMONEY TRANSFERS In the event that you are an intended Recipient, another Online Money Movement customer (the "Transferor") has instructed us to transfer funds (the "Funds") to your account with us. In addition to the Terms stated herein relating to your outgoing POPMoney transfer activity, you agree to accept the terms and if any interest is earned conditions set forth below regarding your receipt of POPMoney funds from others. You authorize us to transfer (credit) the Funds to your Tidemark FCU account. In order for us to complete the transfer, you will be prompted to provide us with the property following information (the "Information") the same as a Recipient of Credit Union.your POPmoney transfers would be asked to do. Therefore, we may ask for:

Deviating from Security Procedures. You agree to allow us to authorize any Financial Institution financial institution at which you have an Account to accept funds and transfer instructions in accordance with any authorization procedures as may be agreed from time to time between you and such Financial Institutionfinancial institution, or between us, on your behalf, and such Financial Institutionfinancial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition you agree that we may authorize such Financial Institution financial institutions to charge and debit your accounts based solely on these communications. Account Number Policy If funds transfer instructions identify a bank or beneficiary by name and account number, the relevant Financial Institution financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that the Credit Union and other Financial Institutions such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers. Joint Account Holder In accepting the Agreement submitting your application for the Funds Transfer Service, you confirm that, if any of your Accounts is a joint account, your joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that (i) they never consented to your use of our online money movement Funds Transfer Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account. Means of Transfer You authorize us to select any means we deem suitable to provide your funds transfer instructions to the applicable Financial Institutionfinancial institution. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems systems, such as CHIPS or automated clearing house (ACH) as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal period and if any interest is earned will be the property of Credit UnionCAP COM.

Deviating from Security Procedures. You agree to allow us to authorize any Financial Institution financial institution at which you have an Account to accept funds and transfer instructions in accordance with any authorization procedures as may be agreed from time to time between you and such Financial Institutionfinancial institution, or between us, on your behalf, and such Financial Institutionfinancial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition you agree that we may authorize such Financial Institution financial institutions to charge and debit your accounts based solely on these communications. Account Number Policy If funds transfer instructions identify a bank or beneficiary by name and account number, the relevant Financial Institution financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that the Credit Union and other Financial Institutions such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers. Joint Account Holder In accepting the Agreement submitting your application for the Funds Transfer Service, you confirm that, if any of your Accounts is a joint account, your joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that (i) they never consented to your use of our online money movement Funds Transfer Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account. Means of Transfer You authorize us to select any means we deem suitable to provide your funds transfer instructions to the applicable Financial Institutionfinancial institution. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems systems, such as CHIPS or automated clearing house (ACH) as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal period and if any interest is earned earned, it will be the property of OneAZ Credit Union.

Deviating from Security Procedures. You agree to allow us to authorize any Financial Institution financial institution at which you have an Account to accept funds and transfer instructions in accordance with any authorization procedures as may be agreed from time to time between you and such Financial Institutionfinancial institution, or between us, on your behalf, and such Financial Institutionfinancial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition you agree that we may authorize such Financial Institution financial institutions to charge and debit your accounts based solely on these communications. Account Number Policy If funds transfer instructions identify a bank or beneficiary by name and account number, the relevant Financial Institution financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that the Credit Union and other Financial Institutions such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers. Joint Account Holder In accepting the Agreement submitting your application for the Online Money Movement Service, you confirm that, if any of your Accounts is a joint account, your joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that (i) they never consented to your use of our online money movement Online Money Movement Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account. Means of Transfer You authorize us to select any means we deem suitable to provide your funds transfer instructions to the applicable Financial Institutionfinancial institution. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems systems, such as CHIPS or automated clearing house (ACH) as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal period and if any interest is earned will be the property of Credit UnionFinancial Institution.

Deviating from Security Procedures. You agree to allow us to authorize any Financial Institution financial institution at which you have an Account to accept funds and transfer instructions in accordance with any authorization procedures as may be agreed from time to time between you and such Financial Institutionfinancial institution, or between us, on your behalf, and such Financial Institutionfinancial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition you agree that we may authorize such Financial Institution financial institutions to charge and debit your accounts based solely on these communications. Account Number Policy ACCOUNT NUMBER POLICY. If funds transfer instructions identify a bank or beneficiary by name and account number, the relevant Financial Institution financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that the Credit Union and other Financial Institutions such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers. Joint Account Holder JOINT ACCOUNT HOLDER. In accepting the Agreement submitting your application for the Online Money Movement Service, you confirm that, if any of your Accounts is a joint account, your joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that (i) they never consented to your use of our online money movement Online Money Movement Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account. Means of Transfer MEANS OF TRANSFER. You authorize us to select any means we deem suitable to provide your funds transfer instructions to the applicable Financial Institutionfinancial institution. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems systems, such as CHIPS or automated clearing house (ACH) as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal period and if any interest is earned will be the property of Credit UnionLake Trust.

Deviating from Security Procedures. You agree to allow us to authorize any Financial Institution financial institution at which you have an Account to accept funds and transfer instructions in accordance with any authorization procedures as may be agreed from time to time between you and such Financial Institutionfinancial institution, or between us, on your behalf, and such Financial Institutionfinancial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition you agree that we may authorize such Financial Institution financial institutions to charge and debit your accounts based solely on these communications. Account Number Policy If funds transfer instructions identify a bank or beneficiary by name and account number, the relevant Financial Institution financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that the Credit Union and other Financial Institutions such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers. Joint Account Holder In accepting the Agreement submitting your application for the Online Money Movement Service, you confirm that, if any of your Accounts is a joint account, your joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that (i) they never consented to your use of our online money movement Online Money Movement Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account. Means of Transfer You authorize us to select any means we deem suitable to provide your funds transfer instructions to the applicable Financial Institutionfinancial institution. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems systems, such as CHIPS or automated clearing house (ACH) as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal period and if any interest is earned will be the property of First Community Credit Union.

Deviating from Security Procedures. You agree to allow us to authorize any Financial Institution at which you have an Account financial institution involved in the Popmoney transfer to accept funds and your transfer instructions in accordance with any authorization procedures as may be agreed to from time to time between you and such Financial Institutionfinancial institution, or between us, on your behalf, and such Financial Institutionfinancial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed to by you directly or by us on your behalf. In addition you agree that we may authorize such Financial Institution financial institutions to charge and debit your accounts based solely on these communications. Account Number Policy ACCOUNT NUMBER POLICY If funds your Popmoney transfer instructions identify a bank or beneficiary by name and routing number, and the Recipient’s name and account number, the relevant Financial Institution Recipient’s Account Provider may execute those instructions by reference to the number numbers provided only, even if the number does not correspond to the namename provided. You understand that the Credit Union and other Financial Institutions such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we Summit and our Service Provider have no responsibility to investigate discrepancies between names and numbers. Joint Account Holder JOINT ACCOUNT HOLDER In accepting the Agreement submitting your application for the Service, you confirm that, that if any of your Accounts at Summit is a joint jointly held account, your the joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that (i) they never consented to your use of our online money movement the Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account. Means of Transfer You MEANS OF TRANSFER While we have previously indicated most Popmoney transfers will occur via ACH, you authorize us to select any means we deem suitable or necessary to provide your funds transfer instructions to the applicable Financial Institutionfinancial institution. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems systems, such as automated clearing house (ACH) ), as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on timetime (typically within 3 to 5 business days, unless using an express service); however, we reserve the right to hold funds beyond the normal period from time to time depending upon circumstances. RECEIVING POPMONEY TRANSFERS In the event that you are an intended Recipient, another Service customer (the “Transferor”) has instructed us to transfer funds (the “Funds”) to your account with us. In addition to the Terms stated herein relating to your outgoing Popmoney transfer activity, you agree to accept the terms and if any interest is earned conditions set forth below regarding your receipt of Popmoney funds from others. You authorize us to transfer (credit) the Funds to your Summit Account. In order for us to complete the transfer, you will be prompted to provide us with the property following information (the “Information”) the same as a Recipient of Credit Union.your Popmoney transfers would be asked to do. Therefore, we may ask for:

Deviating from Security Procedures. You agree to allow us to authorize any Financial Institution at which you have an Account financial institution involved in the POPMoney transfer to accept funds and your transfer instructions in accordance with any authorization procedures as may be agreed to from time to time between you and such Financial Institutionfinancial institution, or between us, on your behalf, and such Financial Institutionfinancial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed to by you directly or by us on your behalf. In addition you agree that we may authorize such Financial Institution financial institutions to charge and debit your accounts based solely on these communications. Account Number Policy ACCOUNT NUMBER POLICY If funds your POPMoney transfer instructions identify a bank or beneficiary by name and routing number, and the Recipient’s name and account number, the relevant Financial Institution Recipient’s Account Provider may execute those instructions by reference to the number numbers provided only, even if the number does not correspond to the namename provided. You understand that the Credit Union and other Financial Institutions such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we Financial Institution and our Service Provider have no responsibility to investigate discrepancies between names and numbers. Joint Account Holder JOINT ACCOUNT HOLDER In accepting the Agreement submitting your application for the Online Money Movement Service, you confirm that, that if any of your Accounts at Financial Institution is a joint jointly held account, your the joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that (i) they never consented to your use of our online money movement Online Money Movement Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account. Means of Transfer You MEANS OF TRANSFER While we have previously indicated most POPMoney transfers will occur via ACH, you authorize us to select any means we deem suitable or necessary to provide your funds transfer instructions to the applicable Financial Institutionfinancial institution. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems systems, such as automated clearing house (ACH) ), as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on timetime (typically within 3 to 5 business days); however, we reserve the right to hold funds beyond the normal period from time to time depending upon circumstances. RECEIVING POPMONEY TRANSFERS In the event that you are an intended Recipient, another Online Money Movement customer (the "Transferor") has instructed us to transfer funds (the "Funds") to your account with us. In addition to the Terms stated herein relating to your outgoing POPMoney transfer activity, you agree to accept the terms and if any interest is earned conditions set forth below regarding your receipt of POPMoney funds from others. You authorize us to transfer (credit) the Funds to your Financial Institution account. In order for us to complete the transfer, you will be prompted to provide us with the property following information (the "Information") the same as a Recipient of Credit Union.your POPmoney transfers would be asked to do. Therefore, we may ask for:

Deviating from Security Procedures. You agree to allow us to authorize any Financial Institution financial institution at which you have an Account to accept funds and transfer instructions in accordance with any authorization procedures as may be agreed from time to time between you and such Financial Institutionfinancial institution, or between us, on your behalf, and such Financial Institutionfinancial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition you agree that we may authorize such Financial Institution financial institutions to charge and debit your accounts based solely on these communications. Account Number Policy If funds transfer instructions identify a bank or beneficiary by name and account number, the relevant Financial Institution financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that the Credit Union and other Financial Institutions such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers. Joint Account Holder In accepting the Agreement submitting your application for the Funds Transfer Service, you confirm that, if any of your Accounts is a joint account, your joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that (i) they never consented to your use of our online money movement Funds Transfer Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account. Means of Transfer You authorize us to select any means we deem suitable to provide your funds transfer instructions to the applicable Financial Institutionfinancial institution. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems systems, such as CHIPS or automated clearing house (ACH) as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal period and if any interest is earned will be the property of Sunmark Credit Union.

Deviating from Security Procedures. You agree to allow us to authorize any Financial Institution financial institution at which you have an Account to accept funds and transfer instructions in accordance with any authorization procedures as may be agreed from time to time between you and such Financial Institutionfinancial institution, or between us, on your behalf, and such Financial Institutionfinancial institution, without verifying the instructions under the established security procedures, regardless of whether such security procedures were agreed by you directly or by us on your behalf. In addition you agree that we may authorize such Financial Institution financial institutions to charge and debit your accounts based solely on these communications. Account Number Policy If funds transfer instructions identify a bank or beneficiary by name and account number, the relevant Financial Institution financial institution may execute those instructions by reference to the number only, even if the number does not correspond to the name. You understand that the Credit Union and other Financial Institutions such financial institutions may not investigate discrepancies between names and numbers. In addition, you agree that we have no responsibility to investigate discrepancies between names and numbers. Joint Account Holder In accepting the Agreement submitting your application for the Funds Transfer Service, you confirm that, if any of your Accounts is a joint account, your joint account holder has consented for you to use your Accounts for the Service. We will end your use of the Service if any joint account holder notifies us that (i) they never consented to your use of our online money movement Funds Transfer Service, (ii) the joint account can no longer be operated on your instructions alone, or (iii) they are withdrawing consent for you to operate the joint account. Means of Transfer You authorize us to select any means we deem suitable to provide your funds transfer instructions to the applicable Financial Institutionfinancial institution. These choices include banking channels, electronic means, funds transfer systems, mail, courier, or telecommunications services, intermediary banks and other organizations. You agree to be bound by the rules and regulations that govern the applicable funds transfer systems systems, such as CHIPS or automated clearing house (ACH) as published by the National Automated Clearinghouse Association (NACHA). We shall make all reasonable efforts to ensure that your transfer requests are processed on time; however, we reserve the right to hold funds beyond the normal period and if any interest is earned earned, it will be the property of Arizona State Credit Union.