Common use of Electronic Check Conversion/Electronic Returned Check Fees Clause in Contracts

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. Online and Mobile Banking. If we approve Online Banking for your accounts, you will be required to use secure login information to access the account(s). Your accounts can be accessed under Online Banking via personal computer or under Mobile Banking via mobile device or other approved access device(s). Online Banking and Mobile Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. At the present time, you may use Online Banking to: • Withdraw funds from your share and share draft accounts. • Transfer funds from your share and share draft accounts. • Obtain balance information for your share, share draft, loan, IRA, money market, club, and certificate accounts. • Make loan payments from your share and share draft accounts. • Access your Line of Credit accounts. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. • Verify the last date and amount of your payroll deposit. • Make bill payments to preauthorized creditors. • Request stop payments on checks or drafts. • View and download e-statements. • Obtain current savings and loan rates The following limitations on Online and Mobile Banking transactions may apply: • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • The maximum withdrawal or transfer amount is $9,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account. See Transfer limitations that may apply to these transactions. Bill Payment. We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete. We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cutoff time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you schedule for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor. The following limitations on Bill Payments may apply: • The maximum amount of each Bill Payment each day is up to $9,999.99, if there are sufficient funds in your account. The maximum amount of each Bill Payment for Pay a Person each day is up to $2,500, if there are sufficient funds in your account. Conditions of EFT Services.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. Online and Mobile Banking. If we approve Online Banking for your accounts, you will be required to use secure login information to access the account(s). Your accounts can be accessed under Online Banking via personal computer or under Mobile Banking via mobile device or other approved access device(s). Online Banking and Mobile Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. At the present time, you may use Online Banking to: •  Withdraw funds from your share and share draft accounts. •  Transfer funds from your share and share draft accounts. •  Obtain balance information for your share, share draft, loan, IRA, money market, club, and certificate accounts. •  Make loan payments from your share and share draft accounts. •  Access your Line of Credit accounts. •  Determine if a particular item has cleared. •  Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. •  Verify the last date and amount of your payroll deposit. •  Make bill payments to preauthorized creditors. •  Request stop payments on checks or drafts. •  View and download e-statements. •  Obtain current savings and loan rates The following limitations on Online and Mobile Banking transactions may apply: •  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. •  The maximum withdrawal or transfer amount is $9,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account. See Transfer limitations that may apply to these transactions. Bill Payment. We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete. We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cutoff time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you schedule for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor. The following limitations on Bill Payments may apply: •  The maximum amount of each Bill Payment each day is up to $9,999.99, if there are sufficient funds in your account. The maximum amount of each Bill Payment for Pay a Person each day is up to $2,500, if there are sufficient funds in your account. Conditions of EFT Services.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. Online and Mobile Banking. If we approve Online Banking for your accounts, you a separate personal identification number (PIN) will be required assigned to you. You must use secure login information your personal identification number (PIN) along with your account number to access the account(s). Your accounts can be accessed under Online Banking via personal computer or under Mobile Banking via mobile device or other approved access device(s). Online Banking and Mobile Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the accountaccounts. At the present time, you may use Online Banking to: •  Withdraw funds from your share and share draft accounts. •  Transfer funds from your share and share draft accounts. •  Obtain balance information for your share, share draft, loan, IRAXXX, money market, club, and certificate accounts. •  Make loan payments from your share and share draft accounts. •  Access your Line of Credit accounts. •  Determine if a particular item has cleared. •  Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. •  Verify the last date and amount of your payroll deposit. •  Make bill xxxx payments to preauthorized creditors. •  Request stop payments on checks or drafts. •  View and download e-statements. •  Obtain current savings and loan rates rates. The following limitations on Online and Mobile Banking transactions may apply: •  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. •  The maximum withdrawal or transfer amount is $9,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account.  See Transfer limitations that may apply to these transactions. Bill Payment. We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete. We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cutoff time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you schedule for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor. The following limitations on Bill Payments Mobile Banking transactions may apply: •  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  The maximum withdrawal or transfer amount of each Bill Payment each day is up to $9,999.999,999.99 per day, if there are sufficient and no transfer or withdrawal may exceed the available funds in your account. The maximum amount of each Bill Payment for Pay a Person each day is up  See Transfer limitations that may apply to $2,500, if there are sufficient funds these transactions. Truth in your account. Conditions of EFT Services.Savings Disclosure – Share Savings & Share Draft Checking

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for purchases or bills with a check or draft, you may authorize your check or draft to be converted to an electronic fund transfer. You may also authorize merchants or other payees to electronically debit your account for returned check fees. You are considered to have authorized these electronic fund transfers if you complete the transaction after being told (orally or by a notice posted or sent to you) that the transfer may be processed electronically or if you sign a written authorization. Online and Mobile Banking. If we approve Online Banking for your accounts, you a separate personal identification number (PIN) will be required assigned to you. You must use secure login information your personal identification number (PIN) along with your account number to access the account(s). Your accounts can be accessed under Online Banking via personal computer or under Mobile Banking via mobile device or other approved access device(s). Online Banking and Mobile Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the accountaccounts. At the present time, you may use Online Banking to: •  Withdraw funds from your share and share draft accounts. •  Transfer funds from your share and share draft accounts. •  Obtain balance information for your share, share draft, loan, IRA, money market, club, and certificate accounts. •  Make loan payments from your share and share draft accounts. •  Access your Line of Credit accounts. •  Determine if a particular item has cleared. •  Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. •  Verify the last date and amount of your payroll deposit. •  Make bill payments to preauthorized creditors. •  Request stop payments on checks or drafts. •  View and download e-statements. •  Obtain current savings and loan rates rates. The following limitations on Online and Mobile Banking transactions may apply: •  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. •  The maximum withdrawal or transfer amount is $9,999.99 per day, and no transfer or withdrawal may exceed the available funds in your account.  See Transfer limitations that may apply to these transactions. Bill Payment. We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete. We will withdraw the designated funds from your share draft account for bill payment transfer by the designated cutoff time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you schedule for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor. The following limitations on Bill Payments Mobile Banking transactions may apply: •  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  The maximum withdrawal or transfer amount of each Bill Payment each day is up to $9,999.999,999.99 per day, if there are sufficient and no transfer or withdrawal may exceed the available funds in your account. The maximum amount of each Bill Payment for Pay a Person each day is up  See Transfer limitations that may apply to $2,500, if there are sufficient funds these transactions. Truth in your account. Conditions of EFT Services.Savings Disclosure – Share Savings & Share Draft Checking