Common use of ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE Clause in Contracts

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE. The Electronic Funds Transfers offered by your credit union are indicated below, some of which may not apply to your account. Please read this disclosure carefully because it describes your rights and obligations for these transactions. You should keep this notice for future reference. Unless otherwise noted Savings account refers to Share Savings, Savings Plus and Money Market accounts. • Direct Deposit – You may make arrangements for certain direct deposits to be accepted into your Checking accounts or Savings accounts. Credit given by us to you with respect to an automated clearing house entry is provisional until we receive such final settlement of such entry through the Federal Reserve Bank. • Preauthorized Withdrawals – You may make arrangements to pay certain recurring bills from your Checking accounts or Savings accounts. • MemberNet – You may access your account 24 hours a day via the Internet using your account numbers and access code to: • TellerPhone – You may access your account 24 hours a day by touch tone telephone using your personal identification number (PIN) and account number(s) at 000-000-0000 and 0-000-000-0000 to: • Mobile Banking – You may access your account 24 hours a day via a mobile device using your account numbers and access code to: • Xxxx Payment – See the Xxxx payment agreement for information about Xxxx Payment. Your VISA Check card and PIN will also work in ATMs of the University of Michigan Credit Union, and the VISA, CO-OP, and PLUS ATM networks to access your Checking and Share Savings accounts to:

ELECTRONIC FUND TRANSFERS AGREEMENT AND DISCLOSURE. The Electronic Funds Transfers offered by your credit union are indicated below, some of which may not apply to your account. Please read this disclosure carefully because it describes your rights and obligations for these transactions. You should keep this notice for future reference. Unless otherwise noted Savings account refers to Share Savings, Savings Plus and Money Market accounts. • Direct Deposit – You may make arrangements for certain direct deposits to be accepted into your Checking accounts or Savings accounts. Credit given by us to you with respect to an automated clearing house entry is provisional until we receive such final settlement of such entry through the Federal Reserve Bank. • Preauthorized Withdrawals – You may make arrangements to pay certain recurring bills from your Checking accounts or Savings accounts. • MemberNet – You may Youmay access your account 24 hours a day via the Internet using your account numbers and access code to: • TellerPhone – You may Youmay access your account 24 hours a day by touch tone telephone using your personal identification number (PIN) and account number(s) at 000-000-0000 and 0-000-000-0000 to: • Mobile Banking – You may Youmay access your account 24 hours a day via a mobile device using your account numbers and access code to: • Xxxx Payment – See the Xxxx payment agreement for information about Xxxx Payment. Your VISA Check card and PIN will also work in ATMs of the University of Michigan Credit Union, and the VISA, CO-OP, and PLUS ATM networks to access your Checking and Share Savings accounts to: