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

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds 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 and Mobile Banking for your accounts, a separate User Name and Password will be assigned to you. You must use your User Name and Password to access your accounts. At the present time, you may use Online and Mobile Banking to:  Deposit checks into your savings, checking and money market accounts.  Transfer funds between your share, checking, money market accounts, personal lines of credit and home equity lines of credit.  Obtain balance information and transaction history for your deposit and loan accounts excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts excluding VISA, student loans and mortgages.  Set up and send out reoccurring payments (Online Banking only)  Access electronic services: Pop Money, External Transfers, Credit Card Online Account Access (Online Banking Only)  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. (Online Banking only) Your accounts can be accessed under Online Banking via personal computer and through Mobile Banking on your mobile device. Online and Mobile Banking will be available for your convenience twenty-four (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. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access.  There is no limit to the number of inquiries you may make in any one day.  The maximum withdrawal or transfer amount is limited to the balance in your account per transaction, and no transfer or withdrawal may exceed the available funds in your account.  See “transfer limitations” that may apply to these transactions. Bill Pay Service. We allow you to initiate bill payments to be paid directly from your Checking Account in the amounts and on the days you request. You may also edit and delete these bill payments. You may also designate bill payments to be made “today”, “future”, “recurring” or “automatic” and you may also receive e-bills. We will withdraw the designated funds from your checking account for bill payment 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 all 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 Payment transactions may apply:  There is no limit on the number of bill payments per day. Transfer Limitations. For all Savings Accounts and Money Market Accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds 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 BankingVirtual Branch. If we approve Online and Mobile Banking Virtual Branch for your accounts, a separate User Name Logon ID and Password security code will be assigned to selected by you. You must use your User Name and Password security code along with your Logon ID to access your accounts. At the present time, you may use Online and Mobile Banking Virtual Branch to:  Deposit checks into Withdraw funds from your savings, checking checking, and money market accounts.  Transfer funds between from your sharesavings, checking, and money market accounts, personal lines of credit and home equity lines of credit.  Obtain balance information and transaction history for your deposit savings, checking, money market, and loan accounts excluding VISA, student loans and mortgagescertificate accounts.  Make loan payments from your savings, checking, and money market accounts excluding VISA, student loans and mortgagesaccounts.  Set up and send out reoccurring payments Access your Home Equity Line of Credit (Online Banking onlyHELOC) account.  Access electronic services: Pop Money, External Transfers, your Line of Credit Card Online Account Access (Online Banking Only) LOC).  Determine if a particular item has cleared.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. (Online Banking only)  Verify the last date and amount of your payroll deposit.  Make bill payments to preauthorized creditors. Your accounts can be accessed under Online Banking Virtual Branch via personal computer and through Mobile Banking on your mobile devicecomputer. Online and Mobile Banking Virtual Branch will be available for your convenience twenty-four (24) 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. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Virtual Branch transactions may apply:  There is no limit to the number of inquiries inquiries, transfers, or withdrawal requests you may make in any one (1) day.  The maximum withdrawal or transfer amount is limited to the balance in your account per transaction, and no transfer or withdrawal may exceed the available funds in your account.  See “transfer limitations” that may apply to these transactions. Bill Pay Service. We allow you to initiate bill payments to be paid directly from your Checking Account in the amounts and on the days you request. You may also edit and delete these bill payments. You may also designate bill payments to be made “today”, “future”, “recurring” or “automatic” and you may also receive e-bills. We will withdraw the designated funds from your checking account for bill payment 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 all 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 Payment transactions may apply:  There is no limit on the number of bill payments per day. Transfer Limitations. For all Savings Accounts and Money Market Accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds 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 and Mobile Banking for your accounts, a separate User Name and Password PIN (Personal Identification Number) will be assigned to you. You must use your User Name and Password PIN (Personal Identification Number) along with your account number to access your accounts. At the present time, you may use Online and Mobile Banking to:  Deposit checks into Withdraw funds from your savingsshare, checking checking, and money market Money Market accounts.  Transfer funds between from your share, checking, money market and Money Market accounts, personal lines of credit and home equity lines of credit.  Obtain balance information and transaction history for your deposit savings, checking, and loan accounts excluding VISA, student loans and mortgagesMoney Market accounts.  Make loan payments from your savings, checking, and money market accounts excluding VISA, student loans and mortgages.  Set up and send out reoccurring payments (Online Banking only)  Access electronic services: Pop Money, External Transfers, Credit Card Online Account Access (Online Banking Only)  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan Money Market accounts. (Online Banking only) Your accounts can be accessed under Online Banking via personal computer and through Mobile Banking on your mobile devicecomputer. Online and Mobile Banking will be available for your convenience twenty-four (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. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access.  There is no limit to the number of inquiries you may make in any one day.  The maximum withdrawal or transfer amount is limited to the balance in your account per transaction, and no transfer or withdrawal may exceed the available funds in your account.  See “transfer limitations” that may apply to these transactions. Bill Web Pay Service. We allow you will process bill payment transfer requests only to initiate bill payments to be paid directly from your Checking Account those creditors the Credit Union has designated in the amounts User instructions and on such creditors as you authorize and for whom the days you requestCredit Union has the proper vendor code number. You may also edit and delete these We will not process any bill payments. You may also designate bill payments to be made “today”, “future”, “recurring” or “automatic” and you may also receive e-billspayment transfer if the required transaction information is incomplete. We will withdraw the designated funds from your checking 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 all 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 Payment transactions may apply:  There is no limit on the number of bill payments per day. Transfer Limitations. For all Savings Accounts and certain Money Market Accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds 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 and Mobile Banking for your accounts, a separate User Name and Password PIN (Personal Identification Number) will be assigned to you. You must use your User Name and Password PIN (Personal Identification Number) along with your account number to access your accounts. At the present time, you may use Online and Mobile Banking to:  Deposit checks into Withdraw funds from your savingsshare, checking checking, and money market Money Market accounts.  Transfer funds between from your share, checking, money market and Money Market accounts, personal lines of credit and home equity lines of credit.  Obtain balance information and transaction history for your deposit savings, checking, and loan accounts excluding VISA, student loans and mortgagesMoney Market accounts.  Make loan payments from your savings, checking, and money market accounts excluding VISA, student loans and mortgages.  Set up and send out reoccurring payments (Online Banking only)  Access electronic services: Pop Money, External Transfers, Credit Card Online Account Access (Online Banking Only)  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan Money Market accounts. (Online Banking only) Your accounts can be accessed under Online Banking via personal computer and through Mobile Banking on your mobile devicecomputer. Online and Mobile Banking will be available for your convenience twenty-four (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. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access.  There is no limit to the number of inquiries you may make in any one day.  The maximum withdrawal or transfer amount is limited to the balance in your account per transaction, and no transfer or withdrawal may exceed the available funds in your account.  See “transfer limitations” that may apply to these transactions. Bill Pay Service. We allow you will process bill payment transfer requests only to initiate bill payments to be paid directly from your Checking Account those creditors the Credit Union has designated in the amounts User instructions and on such creditors as you authorize and for whom the days you requestCredit Union has the proper vendor code number. You may also edit and delete these We will not process any bill payments. You may also designate bill payments to be made “today”, “future”, “recurring” or “automatic” and you may also receive e-billspayment transfer if the required transaction information is incomplete. We will withdraw the designated funds from your checking 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 all 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 Payment transactions may apply:  There is no limit on the number of bill payments per day. Transfer Limitations. For all Savings Accounts and Money Market Accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds 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 BankingVirtual Branch®. If we approve Online and Mobile Banking Virtual Branch® for your accounts, a separate User Name and Password PIN (Personal Identification Number) will be assigned to you. You must use your User Name and Password PIN (Personal Identification Number) along with your account number to access your accounts. At the present time, you may use Online and Mobile Banking Virtual Branch® to:  Deposit checks into your savings, checking and money market accounts.  Transfer funds between from your share, checkingshare draft, money market and Active Assets Money Market accounts, personal lines of credit and home equity lines of credit.  Obtain balance information and transaction history for your deposit and loan accounts excluding VISA, student loans and mortgageson all accounts.  Make loan payments from your savingsshare, checkingshare draft, and money market accounts excluding VISA, student loans and mortgagesActive Assets Money Market accounts.  Set up and send out reoccurring payments (Online Banking only)  Access electronic services: Pop Money, External Transfers, Credit Card Online Account Access (Online Banking Only) your line of credit account.  Obtain tax information on amounts earned on savings share and checking share draft accounts or interest paid on loan accounts. (Online Banking only)  Verify the last date and amount of your payroll deposit.  Make credit card payments.  Obtain account history and make cross account transfers. Your accounts can be accessed under Online Banking Virtual Branch® via personal computer and through Mobile Banking on your mobile devicecomputer. Online and Mobile Banking Virtual Branch® will be available for your convenience twenty-four (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. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access.  There is no limit to the number of inquiries you may make in any one day.  The maximum withdrawal or transfer amount is limited to the balance in your account per transaction, and no transfer or withdrawal may exceed the available funds in your account.  See “transfer limitations” that may apply to these transactions. Bill Pay ServiceVirtual Branch with PayIt®. We allow you will process bill payment transfer requests only to initiate bill payments to be paid directly from your Checking Account those creditors the Credit Union has designated in the amounts User instructions and on such creditors as you authorize and for whom the days you requestCredit Union has the proper vendor code number. You may also edit and delete these We will not process any bill payments. You may also designate bill payments to be made “today”, “future”, “recurring” or “automatic” and you may also receive e-billspayment transfer if the required transaction information is incomplete. We will withdraw the designated funds from your checking 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 all 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 Payment transactions may apply:  There is no limit on the number of bill payments per day. Transfer Limitations. For all Savings Accounts and Money Market Accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed Maximum payment amount allowed is $10,000.00.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds 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 BankingVirtual Branch®. If we approve Online and Mobile Banking Virtual Branch® for your accounts, a separate User Name and Password PIN (Personal Identification Number) will be assigned to you. You must use your User Name and Password PIN (Personal Identification Number) along with your account number to access your accounts. At the present time, you may use Online and Mobile Banking Virtual Branch® to:  Deposit checks into your savings, checking and money market accounts.  ❖ Transfer funds between from your share, checkingshare draft, money market and Active Assets Money Market accounts, personal lines of credit and home equity lines of credit.  ❖ Obtain balance information and transaction history for your deposit and loan accounts excluding VISA, student loans and mortgageson all accounts.  ❖ Make loan payments from your savingsshare, checkingshare draft, and money market accounts excluding VISA, student loans and mortgagesActive Assets Money Market accounts.  Set up and send out reoccurring payments (Online Banking only)  ❖ Access electronic services: Pop Money, External Transfers, Credit Card Online Account Access (Online Banking Only)  your line of credit account. ❖ Obtain tax information on amounts earned on savings share and checking share draft accounts or interest paid on loan accounts. (Online Banking only) ❖ Verify the last date and amount of your payroll deposit. ❖ Make credit card payments. ❖ Obtain account history and make cross account transfers. Your accounts can be accessed under Online Banking Virtual Branch® via personal computer and through Mobile Banking on your mobile devicecomputer. Online and Mobile Banking Virtual Branch® will be available for your convenience twenty-four (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. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access.  ❖ There is no limit to the number of inquiries you may make in any one day.  The maximum withdrawal or transfer amount is limited to the balance in your account per transaction, and no transfer or withdrawal may exceed the available funds in your account.  ❖ See “transfer limitations” that may apply to these transactions. Bill Pay ServiceVirtual Branch with PayIt®. We allow you will process bill payment transfer requests only to initiate bill payments to be paid directly from your Checking Account those creditors the Credit Union has designated in the amounts User instructions and on such creditors as you authorize and for whom the days you requestCredit Union has the proper vendor code number. You may also edit and delete these We will not process any bill payments. You may also designate bill payments to be made “today”, “future”, “recurring” or “automatic” and you may also receive e-billspayment transfer if the required transaction information is incomplete. We will withdraw the designated funds from your checking 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 all 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 Payment transactions may apply:  ❖ There is no limit on the number of bill payments per day. Transfer Limitations. For all Savings Accounts and Money Market Accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed❖ Maximum payment amount allowed is $10,000.00.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds 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 and Mobile Banking for your accounts, a separate User Name and Password PIN (Personal Identification Number) will be assigned to you. You must use your User Name and Password PIN (Personal Identification Number) along with your account number to access your accounts. At the present time, you may use Online and Mobile Banking to:  Deposit checks into Withdraw funds from your savingsshare, checking checking, and money market Money Market accounts.  Transfer funds between from your share, checking, money market and Money Market accounts, personal lines of credit and home equity lines of credit.  Obtain balance information and transaction history for your deposit savings, checking, and loan accounts excluding VISA, student loans and mortgagesMoney Market accounts.  Make loan payments from your savings, checking, and money market accounts excluding VISA, student loans and mortgages.  Set up and send out reoccurring payments (Online Banking only)  Access electronic services: Pop Money, External Transfers, Credit Card Online Account Access (Online Banking Only)  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan Money Market accounts. (Online Banking only) Your accounts can be accessed under Online Banking via personal computer and through Mobile Banking on your mobile devicecomputer. Online and Mobile Banking will be available for your convenience twenty-four (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. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access.  There is no limit to the number of inquiries you may make in any one day.  The maximum withdrawal or transfer amount is limited to the balance in your account per transaction, and no transfer or withdrawal may exceed the available funds in your account.  See “transfer limitations” that may apply to these transactions. Bill Web Pay Service. We allow you will process bill payment transfer requests only to initiate bill payments to be paid directly from your Checking Account those creditors the Credit Union has designated in the amounts User instructions and on such creditors as you authorize and for whom the days you requestCredit Union has the proper vendor code number. You may also edit and delete these We will not process any bill payments. You may also designate bill payments to be made “today”, “future”, “recurring” or “automatic” and you may also receive e-billspayment transfer if the required transaction information is incomplete. We will withdraw the designated funds from your checking 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 all 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 Payment transactions may apply:  There is no limit on the number of bill payments per day. Transfer Limitations. For all Savings Accounts and Money Market Accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds 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 and Mobile Banking is activated for your accountsaccount(s), a separate User Name and Password you will be assigned required to you. You must use your User Name and Password secure login information to access your accountsthe account(s). At the present time, you may use Online and Mobile Banking to:  Deposit checks into Withdraw funds from your savings, checking share and money market share draft accounts.  Transfer funds between from your share, checking, money market share and share draft accounts, personal lines of credit and home equity lines of credit.  Obtain balance information and transaction history for your deposit share and loan accounts excluding VISA, student loans and mortgagesshare draft accounts.  Make loan payments from your savings, checking, and money market accounts excluding VISA, student loans and mortgageswith ENFCU.  Set up Determine if a particular item has cleared.  Verify the last date and send out reoccurring payments (Online Banking only)  Access electronic services: Pop Money, External Transfers, Credit Card Online Account Access (Online Banking Only)  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accountsamount of your payroll deposit. (Online Banking only) Your accounts can be accessed under Online Banking via personal computer and through Mobile Banking on your mobile devicecomputer. Online and Mobile Banking will be available for your convenience twenty-four (24) 24 hours per a 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. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access.  There is no limit to the number of inquiries you The following limitations on Online Banking transactions may make in any one day.  The maximum withdrawal or transfer amount is limited to the balance in your account per transaction, and no transfer or withdrawal may exceed the available funds in your account. apply:  See “transfer limitations” that may apply to these transactions. Bill Pay Service. We allow you to initiate bill payments to be paid directly from your Checking Account in the amounts and on the days you request. You may also edit and delete these bill payments. You may also designate bill payments to be made “today”, “future”, “recurring” or “automatic” and you may also receive e-bills. We will withdraw the designated funds from your checking account for bill payment 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 all 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 Payment transactions may apply:  There is no limit on the number of bill payments per day. Transfer Limitations. For all Savings Accounts and Money Market Accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds 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 and Mobile Banking is activated for your accountsaccount(s), a separate User Name and Password you will be assigned required to you. You must use your User Name and Password secure login information to access your accountsthe account(s). At the present time, you may use Online and Mobile Banking to:  Deposit checks into ❖ Withdraw funds from your savings, checking share and money market share draft accounts.  ❖ Transfer funds between from your share, checking, money market share and share draft accounts, personal lines of credit and home equity lines of credit.  ❖ Obtain balance information and transaction history for your deposit share and loan accounts excluding VISA, student loans and mortgagesshare draft accounts.  ❖ Make loan payments from with ENFCU. ❖ Determine if a particular item has cleared. ❖ Verify the last date and amount of your savings, checking, and money market accounts excluding VISA, student loans and mortgagespayroll deposit.  Set up and send out reoccurring payments (Online Banking only)  Access electronic services: Pop Money, External Transfers, Credit Card Online Account Access (Online Banking Only)  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. (Online Banking only) Your accounts can be accessed under Online Banking via personal computer and through Mobile Banking on your mobile devicecomputer. Online and Mobile Banking will be available for your convenience twenty-four (24) 24 hours per a 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. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access.  There is no limit to the number of inquiries you The following limitations on Online Banking transactions may make in any one day.  The maximum withdrawal or transfer amount is limited to the balance in your account per transaction, and no transfer or withdrawal may exceed the available funds in your account.  apply: ❖ See “transfer limitations” that may apply to these transactions. Bill Pay Service. We allow you to initiate bill payments to be paid directly from your Checking Account in the amounts and on the days you request. You may also edit and delete these bill payments. You may also designate bill payments to be made “today”, “future”, “recurring” or “automatic” and you may also receive e-bills. We will withdraw the designated funds from your checking account for bill payment 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 all 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 Payment transactions may apply:  There is no limit on the number of bill payments per day. Transfer Limitations. For all Savings Accounts and Money Market Accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds 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 and Mobile Banking is activated for your accountsaccount(s), a separate User Name and Password you will be assigned required to you. You must use your User Name and Password secure login information to access your accountsthe account(s). At the present time, you may use Online and Mobile Banking to:  Deposit checks into ❖ Transfer funds from your savings, checking share savings and money market share draft accounts.  Transfer funds between your share, checking, money market accounts, personal lines of credit and home equity lines of credit.  ❖ Obtain balance information and transaction history for your deposit share savings and loan accounts excluding VISA, student loans and mortgagesshare draft accounts.  ❖ Make loan payments from your savings, checking, and money market accounts excluding VISA, student loans and mortgages.  Set up and send out reoccurring payments (Online Banking only)  Access electronic services: Pop Money, External Transfers, Credit Card Online Account Access (Online Banking Only)  Obtain tax information on amounts earned on share savings and checking accounts or interest paid on loan share draft accounts. (Online Banking only) ❖ Determine if a particular item has cleared. ❖ Make bill payments to preauthorized creditors. ❖ Review last statement of share saving and/or share draft accounts. Your accounts can be accessed under Online Banking via personal computer and through Mobile Banking on your mobile devicecomputer. Online and Mobile Banking will be available for your convenience twenty-four (24) 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. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access.  The following limitations on Online Banking transactions may apply: ❖ There is no limit to the number of inquiries inquiries, transfers, or withdrawal requests you may make in any one (1) day.  The maximum withdrawal or transfer amount is limited to the balance in your account per transaction, and no transfer or withdrawal may exceed the available funds in your account.  ❖ See “transfer limitations” that may apply to these transactions. Bill Pay Service. We allow you to initiate bill payments to be paid directly from your Checking Account in the amounts and on the days you request. You may also edit and delete these bill payments. You may also designate bill payments to be made “today”, “future”, “recurring” or “automatic” and you may also receive e-bills. We will withdraw the designated funds from your checking account for bill payment 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 all 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 Payment transactions may apply:  There is no limit on the number of bill payments per day. Transfer Limitations. For all Savings Accounts and Money Market Accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic or internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.

Electronic Check Conversion/Electronic Returned Check Fees. If you pay for something with a check or share draft you may authorize your check or share draft to be converted to an electronic fund transfer. You may also authorize merchants to electronically debit your account for returned check fees. You are considered to have authorized these electronic funds 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 and Mobile Banking is activated for your accountsaccount(s), a separate User Name and Password you will be assigned required to you. You must use your User Name and Password secure login information to access your accountsthe account(s). At the present time, you may use Online and Mobile Banking to:  Deposit checks into your savings, checking and money market accounts.  Transfer ❖ Withdraw funds between your share, checking, money market accounts, personal lines of credit and home equity lines of credit.  Obtain balance information and transaction history for your deposit and loan accounts excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts excluding VISA, student loans and mortgages.  Set up and send out reoccurring payments (Online Banking only)  Access electronic services: Pop Money, External Transfers, Credit Card Online Account Access (Online Banking Only)  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. (Online Banking only) ❖ Transfer funds from your share, share draft, and money market accounts. ❖ Obtain balance information for your share, share draft, loan, money market, club, and certificate accounts. ❖ Make loan payments from your share, share draft, and money market accounts. Your accounts can be accessed under Online Banking via personal computer and through Mobile Banking on your mobile devicecomputer. Online and Mobile Banking will be available for your convenience twenty-four (24) 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. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access.  The following limitations on Online Banking transactions may apply: ❖ There is no limit to the number of inquiries inquiries, transfers, or withdrawal requests you may make in any one (1) day.  The maximum withdrawal or transfer amount is limited to the balance in your account per transaction, and no transfer or withdrawal may exceed the available funds in your account.  ❖ See “transfer limitations” that may apply to these transactions. Bill Pay Service. We allow you to initiate bill payments to be paid directly from your Checking Account in the amounts and on the days you request. You may also edit and delete these bill payments. You may also designate bill payments to be made “today”, “future”, “recurring” or “automatic” and you may also receive e-bills. We will withdraw the designated funds from your checking account for bill payment 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 all 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 Payment transactions may apply:  There is no limit on the number of bill payments per day. Transfer Limitations. For all Savings Accounts share and Money Market Accountsmoney market accounts, you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic automatic, or internet Internet transfer, by telephonic order or instruction, or by check, draft, debit card or similar order. If you exceed these limitations, your account may be subject to a fee or be closed.