Common use of Electronic Fund Transfers Initiated By Third Parties Clause in Contracts

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers - types of transfers, dollar limitations and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third third-party transfers will require you to provide the third party with your account number and bank financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers Telephone Banking transactions - types of transferstransactions - You may access your account by telephone using your account number(s), dollar limitations personal identification number (PIN), social security number and charges touch tone phone to: PBG Visa Check Card ATM transactions - types of transactions - You may access your account(s) by ATM at ACCEL or PLUS using your ATM card PBG Visa Check Card and your personal identification number or Debit Card and personal identification number, (PIN) (as applicable) to: • make deposits to checking account(s) with an ATM card and/or Debit PBG Visa Check Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactionstransactions - types of transactions - You may access your checking account(s) unless you have sufficient available funds in using your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale PBG Visa Check Card to do transactions that participating merchants will accept, including: Currency Conversion and International Transactions - When you use your VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar limitations - Using your Debit Card: amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Advisory Against Illegal Use. Use - You agree not to use your card(s) PBG Visa Check Card for illegal gambling or other illegal purposepurposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions the jurisdiction in which the cardholder you may be located. Non-Visa Debit (PINless) TransactionsTransaction Processing - We have enabled non-Visa debit transaction processing. Recently new network processing procedures went into effect that This means you may impact you when you use your PBG Visa Check Card on a PIN-Debit Card at certain merchant locations. In the past transactions have been processed as Network* (a non-Visa Debit Card transactions unless you entered network) without using a PIN. In PBG Online - types of transfers - You may access your accounts at xxxxxxxxxxxxxxxxx.xxx and using your account number(s), personal identification number (PIN), social security number and Username and Password to: CheckFree Online Bill Pay Service - types of transfers - MOBILE ACCESS: PBOG MOBILITI Online Internet Banking and Bill Pay Services. - types of transfers - You may access your accounts remotely with your Cell phone or other mobile device with Internet Access. and using your Username, Password, Personal identification number (PIN), Responses to multifactor authentication questions and Account type descriptions. You may use this service to: · transfer funds from Checking or Savings to Checking or Savings · transfer funds from Checking or Savings to Loans · make payments from Checking or Savings to Checking or Savings · make payments from Checking or Savings to Loans · get balance information about checking, savings, certificate of deposit or Loans · get transaction history about checking, savings, certificate of deposit or Loans · Order checks · Make person to person transfers with the future, if you do not enter a PIN, transactions POP Money Solution Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of apply to these electronic fund transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).. Limitations on frequency of transfers - In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Regular Savings, Money Market Deposit Accounts, and Super Money Market Deposit Accounts account(s):

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking checking, savings, or savings money market account(s). • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills. • Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds. ATM Transfers - types of transfers, frequency and dollar limitations limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or VISA Debit Card and personal identification numberidentification, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or account(s) - you may withdraw no more than $805.00 per day with an ATM Card in combination with POS transactions • get cash withdrawals from savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us $805.00 per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card in combination with POS transactions • transfer funds get cash withdrawals from checking to and savings account(s) with an ATM a debit card and/or Debit Card • get information about about: - the available account balance of your checking and account(s) - the account balance of your savings accounts with an ATM card and/or Debit Card account(s) Some of these services may not be available at all terminals. Types of ATM Card Point-of-Sale Transactions: Collection Transactions - You may access your checking or savings account(s) to purchase goods (in person), pay for services (in person), get cash from a merchant, if the merchant permits, or from a participating financial institution, and Overdraftsdo anything that a participating merchant will accept. When you use your ATM card or Debit Card at an ATM or with a merchant (pointPoint-of-sale) to obtain goods or services or cash, the Sale Transactions - frequency and dollar limitations - Using your card: • you may not exceed $805.00 in combination of ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount and POS transactions per day Types of any ATM card or VISA Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or pointPoint-of-sale Sale Transactions - You may access your checking account(s) to purchase transactions) unless you have sufficient available funds goods (in your account person, online, or sufficient funds available under an overdraft protection service associated with your designated checking accountby phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations applycard: • Transfers you may not exceed $2,500.00 in POS transactions per day • transfer funds from a checking to checking • transfer funds from checking to savings account • transfer funds from savings to another account or checking • transfer funds from savings to savings • make payments from checking to loan account(s) with us • make payments from checking to third parties by preauthorized(Electronic Bill Payment) • make payments from savings to loan account(s) with us • get information about: - the account balance of checking account(s) - the account balance of savings account(s) - loan account balances Mobile Banking Transfers - types of transfers - You may access your account(s) through our Mobile App which can be downloaded from the Mobile App store associated with your mobile device and using your user name and password, automatic, telephone, or computer to: • transfer are limited funds from checking to six per month. checking • Transfers transfer funds from a money market account checking to another account or savings • transfer funds from savings to checking • transfer funds from savings to savings • make payments from checking to loan account(s) with us • make payments from checking to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order (Electronic Bill Payment) • make payments from savings to third parties are limited to six per month. loan account(s) with us • get information about: - the account balance of checking account(s) - the account balance of savings account(s) - loan account balances • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account Account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (“ACH”) or other payments networkpayment networks. Your authorization to the third party to make these transfers can may occur in a number of ways. For exampleIn some cases, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a the merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post posts a sign and print the notice on a receipt)informing you of their policy. In all cases, these third party transfers the transactions will require you to provide the third party with your account Account number and bank Credit Union information. This information can be found on your check as well as on a deposit or withdrawal slipchecks. Thus, you You should only provide your bank Credit Union and account Account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. Pre-authorized credits – You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s)Accounts. • Preauthorized payments. Pre-authorized payments – You may make arrangements to pay certain recurring bills from your checking or savings account(s)Accounts. • Electronic check conversion. conversion – You may authorize provide your check to a merchant or service provider who will scan the check for the encoded Credit Union and Account information. The merchant or service provider will then use this information to convert the transaction into an electronic fund transfer. This may occur at the point of purchase, or when you provide your check by other payee means such as by mail or drop box. • Electronic check conversion by the Credit Union – When you provide a check as payment, you authorize us either to make a one-time electronic payment from your checking account using use information from your check to pay for purchases make a one- time electronic fund transfer from your account or pay billsto process the payment as a check transaction. When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment, and you will not receive your check back. A check or electronic entry may be represented if returned unpaid. • Electronic returned check charge. You charge – The Credit Union and some merchants or service providers may authorize a merchant or other payee to initiate an electronic funds fund transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers - types of transfers, dollar limitations and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • } Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • } Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • } Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • } Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Telephone Banking - types of transfers - You may access your account by telephone 24 hours a day at (000) 000-0000 using your personal identification number, a touch tone phone and your account numbers, to: } transfer funds between checking and savings } get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers. ATM Transfers - types of transfers, transfers and dollar limitations and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card MasterCard and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • } get cash withdrawals from checking and/or or savings account(s) with an ATM a debit card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us $505.00 per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • } transfer funds from savings to checking account(s) with an ATM a debit card and/or Debit Card • } transfer funds from checking to savings account(s) with an ATM a debit card and/or Debit Card • } make payments from checking or savings account(s) with a debit card to loan accounts with us } get information about about: - the available account balance of your checking and account(s) } with a debit card - the account balance of your savings accounts account(s) } with an a debit card Some of these services may not be available at all terminals. Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM card and/or Debit Card transfers. Types of Debit MasterCard Point-of-Sale Transactions: Collection and Overdrafts. When you use Transactions - You may access your ATM card or Debit Card at an ATM or with a merchant (point-of-salechecking account(s) to obtain purchase goods (in person, online, or by phone), pay for services (in person, online, or cashby phone), get cash from a merchant, if the ATM merchant permits, or merchant may obtain from a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorizationparticipating financial institution, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance do anything that a participating merchant will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking accountaccept. Point-of-Sale Transactions - dollar limitations - Using your Debit Cardcard: Advisory Against Illegal Use} you may not exceed $1,000.00 in transactions per day Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions. Online Banking Transfers - types of transfers - You agree not may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxxxxx.xxx and using your user identification, password and multifactor authentication, to: } transfer funds between checking and savings } transfer funds from line of credit to checking or savings } make payments from checking or savings to loan account(s) with us } make payments from checking to third parties } get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts } view check images Mobile Banking Transfers - types of transfers - You may access your account(s) through the browser on your cell or mobile phone at x.xxxxxxxxxxxxx.xxx, or by downloading our mobile banking app, and using your user identification and password, to: } transfer funds between checking and savings } make payments from checking or savings to loan account(s) with us } make payments from checking to third parties } get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts } receive account alerts With SMS (text banking), you may also: } get information about: - the account balance of checking or savings accounts - deposits to checking or savings accounts - withdrawals from checking or savings accounts } receive account alerts You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check with your card(s) cell phone provider for illegal gambling or other illegal purposedetails on specific fees and charges. Display Please also see Limitations on frequency of a payment card logo by, for example, an online merchant does not necessarily mean transfers section regarding limitations that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networksapply to computer transfers. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • } Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties calendar month with no transfers by preauthorizedcheck, automaticdraft, telephonedebit card, or computer transfer or by check or similar order to third parties parties. } For security reasons, there are limited to six per monthother limits on the number of transfers you can make by ATM. • } We do not charge for direct deposits to any type of account. } We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. charge - You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers TeleBanc transactions - types of transferstransactions - You may access your account by telephone using your account number(s), dollar limitations personal identification number (PIN), social security number and charges touch tone phone to: ATM Card transactions - types of transactions - You may access your account(s) by ATM using your ATM card Card and your personal identification number or (PIN) to: MasterCard Debit Card ATM transactions - types of transactions - You may access your account(s) by ATM using your MasterCard Debit Card and your personal identification number, number (PIN) (as applicable) to: • make deposits to checking account(s) with an ATM card and/or MasterCard Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-salesale transactions - types of transactions - You may access your checking or your savings or money market account(s) by debit card to obtain goods do transactions that participating merchants will accept, including: Currency Conversion and International Transactions - If you effect a transaction with your Card in a currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount. The MasterCard currency conversion procedure includes use of either a government-mandated exchange rate, or services or cash, a wholesale exchange rate selected by MasterCard. The exchange rate MasterCard uses will be a rate in effect on the ATM or merchant may obtain a pre-authorization for day the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorizationis processed. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests rate may be in amounts different differ from the total amount rate in effect on the date of purchase or the sales slip. If any of date the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually was posted to your account. The amount MasterCard charges us a Currency Conversion Assessment of your balance will be decreased by the amount 20 basis points (.2% of the hold transaction) for as long as performing the hold currency conversion. In addition, MasterCard charges us an Issuer Cross-Border Assessment of 80 basis points (.8% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in effectwhich the country of the merchant is different than the country of the cardholder. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. Use - You agree not to use your card(s) for illegal gambling or other illegal purposepurposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect Xxxx Payment - types of transfers - Limits and fees - Please refer to our fee disclosure located within the "Products & Services" tab and click on "Fees and Charges" for information about fees and limitations that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of apply to these electronic fund transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).. Fees and charges applicable to transfers – Money Market Excessive withdrawal fee (per item in excess of six (6) per month) $15.00 per item. Savings Excessive withdrawal fee (per item in excess of six

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking checking, savings, or savings money market account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking checking, savings, or savings money market account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Columbia On-Call Telephone Banking Transfers - types of transferstransfers - You may access your account by telephone 24 hours a day at 000-000-0000 using your personal identification number and your account numbers, dollar limitations and charges to: • transfer funds from checking to checking • transfer funds from checking to savings • transfer funds from savings to checking • transfer funds from savings to savings • make payments from checking to loan accounts with us • make payments from savings to loan accounts with us • get information about: - the account balance of checking account(s) - the last five deposits to checking accounts - the last five withdrawals from checking accounts - the account balance of savings account(s) - the last five deposits to savings accounts - the last five withdrawals from savings accounts ATM Transactions - You may access your account(s) by ATM using your ATM card Columbia Cash Card and personal identification number or Columbia VISA® Debit Card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than your available balance, up to $600 per day - see the lesser of (1Services & Fees Schedule for applicable charges • get cash withdrawals from savings account(s) - you may withdraw no more than your available balance, up to $600 per day - see the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established Services & Fees Schedule for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal applicable charges • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about about: - the available account balance of your checking and account(s) - the account balance of your savings accounts with an ATM card and/or Debit Card Types account(s) Some of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or these services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your accountavailable at all terminals. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Columbia VISA® Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations You may access your checking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. PINless Debit - Columbia Bank allows merchants to process PINless debit transactions over the Accel™ network. These transactions are commonly performed through online bill pay services or for small ticket items. Provisions of the cardholder agreement relating to Visa transactions are not applicable to PINless debit transactions made on the Accel network including, but not limited to, the Visa Zero Liability policy. Daily ATM Withdrawal Limits - Using your Columbia Cash Card or Visa Debit Card: Card you can obtain cash from your attached account at participating ATMs up to the available balance in your account or $600 per day, whichever is less, unless a higher pre-arranged agreement has been made with the Bank. Daily non-Visa Debit Purchase Limits - Using your Columbia Visa Debit Card you can make non-Visa Debit purchases from your attached account at participating merchants up to the available balance in your account or $1,000 per day, whichever is less, unless a higher pre-arranged agreement has been made with the Bank. Daily Visa Debit Purchase Limits - Using your Columbia Visa Debit Card you can make Visa Debit purchases from your attached account at participating merchants up to the available balance in your account or $3,000 per day, whichever is less, unless a higher pre-arranged agreement has been made with the Bank. Business-class cards may purchase up to the available balance in your account or $5,000 per day, whichever is less, unless a higher pre-arranged agreement has been made with the Bank. FEES When you use an ATM not owned by us, you may be charged a fee by the ATM Operator for an electronic funds transfer or for a balance inquiry even if you do not complete a fund transfer. Transactions made in currencies other than U.S. Dollars will be converted to U.S. Dollars under Visa regulations. This International Service Assessment (ISA) fee will appear as a separate transaction on your monthly deposit account statement. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. NonPlease see your cardholder agreement for additional information relating to the use of your Columbia VISA Debit Card. Columbia Online Banking - types of transfers - You may access your account(s) by computer through the Internet by logging onto our website at xxx.xxxxxxxxxxxx.xxx and using your user identification number, password, and multifactor authentication, to: • transfer funds from checking to checking • transfer funds from checking to savings • transfer funds from checking to other institutions through ACH • transfer funds from savings to checking • transfer funds from savings to savings • transfer funds from line of credit to checking • transfer funds from line of credit to savings • make payments from checking to loan account(s) with us • make payments from checking to third parties with Bill Pay • make payments from savings to loan account(s) with us • get information about: - the account balance of checking account(s) - the last 90 days deposits to checking accounts - the last 90 days withdrawals from checking accounts - the account balance of savings account(s) - the last 90 days deposits to savings accounts - the last 90 days withdrawals from savings accounts Mobile Transfers You may access your account(s) through Columbia Bank’s iPhone or Android App, mobile web-Visa Debit based banking, SMS text-based banking, or any combination of access types. Through any of these mobile options you will be able to transfer funds between your accounts, view balance and transaction information, and pay bills (PINlessif applicable). Health Savings Accounts (HSA). We permit some electronic fund transfers to and/or from your HSA. The electronic fund transfers we permit are offered for the convenience of managing your HSA. However, electronically moving funds to or from your HSA - for example, depositing more than the allowable amount, or getting additional cash back on an HSA debit card transaction - can raise a variety of tax concerns. As a result, before electronically accessing any account you may have with us, it is a good practice to make sure you are using the correct access device (such as a card) Transactionsor accessing the appropriate account for the transaction. Recently new network processing procedures went into effect that may impact Also, it is your responsibility to ensure the contributions, distributions, and other actions related to your HSA, comply with the law, including federal tax law. As always, we recommend consulting a legal or tax professional if you when have any questions about managing your HSA. The terms of this disclosure are intended to work in conjunction with the HSA Agreement provided to you use your Visa Debit Card at certain merchant locationsearlier. In the past transactions have been processed as Visa Debit Card transactions unless you entered event of a PINconflict, the terms of the HSA Agreement control. In the future, if you You understand that your HSA is intended to be used for payment of qualified medical expenses. It is your responsibility to satisfy any tax liability resulting from use of your HSA for any purpose other than payment or reimbursement of qualified medical expenses. We do not enter a PIN, transactions may be processed as either a Visa Debit Card monitor the purpose of any transaction to or a transaction on from your HSA. Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment or reimbursement of qualified medical expenses. Refer to your HSA Agreement for more information relating to the Pulse, Plus, Star, or Cirrus networksuse of your HSA. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. FEES • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you • We do not complete a charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfer)transfers.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking checking, savings, or savings money market account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking checking, statement savings, or savings statement money market account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers - types of transfers, dollar limitations and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) checking • transfer funds from checking to savings/money market • transfer funds from statement savings/money market to checking • transfer funds from statement savings/money market to savings/money market • make payments from checking to loan accounts with an ATM card and/or Debit Card us, excluding payoff transactions • make payments from statement savings/money market to loan accounts with us, excluding payoff transactions • get information about about: - the available account balance of your checking checking, savings, money market or certificate of deposit account(s) - the most recent debits and savings accounts with an ATM card and/or Debit Card Types credits of Point-of-Sale Transactions: Collection checking, savings, or money market account(s) - the balance, interest and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the payment information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer mortgage or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your consumer loan account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM • transfer funds from checking to savings • transfer funds from savings to checking • make payments from checking to loan accounts with us • make payments from savings to loan accounts with us • transfer funds from checking to savings • transfer funds from savings to checking • transfer funds from checking/savings account(s) to account(s) at other banks • transfer funds from account(s) at other banks to your checking/savings account(s) • make payments from checking to loan account(s) with us • make payments from checking or savings to third parties • make payments from savings to loan account(s) with us • get checking account(s) information • get savings account(s) information • get loan account(s) information Mobile Banking Transfers - types of transfers, dollar limitations and charges transfers - You may access your account(s) through the browser on your mobile phone at xxxxxxxxxxx.xxx or by ATM downloading the mobile banking app and using your ATM card Online Banking login ID and personal identification number or Debit Card and personal identification numberpassword, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, preauthorized or automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per calendar month. If you exceed the transfer limitations set forth above, your account shall be subject to closure. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank credit union information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or savings account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. CentraPhone Telephone Transfers - types of transfers - You may access your account(s) by telephone 24 hours a day at 1-800-458- 4771 using your Personal Identification Number (PIN), a touch tone phone, and your member number, to: • transfer funds from checking to savings • transfer funds from savings to checking • transfer funds from line of credit to checking or savings • make payments from checking or savings to loan accounts with us • get information about: - the account balance of checking or savings accounts - the last five deposits to checking or savings accounts - the last five withdrawals from checking or savings accounts ATM Transfers - types of transfers, dollar limitations limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number Personal Identification Number (PIN) or Debit Card your debit card and personal identification numberPIN, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to or savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or or savings account(s) with an ATM card and/or Debit Card - you You may withdraw no more than the lesser of $500.00 per day; Opportunity accounts may withdraw no more than $100.00 per day (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service this is an aggregate from all accounts you have with us and point-of-sale PIN transactions) - There may be a charge per business day withdrawal at ATMs we do not own or operate (2see Fee Schedule) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about about: - the available account balance of your checking and or savings accounts with an ATM card and/or Debit Card accounts, only at ATMs we own or operate Some of these services may not be available at all terminals. Types of Point-of-Sale Transactions: Collection Transactions - You may access your checking and Overdraftssavings account(s) to purchase goods (in person), pay for services (in person), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Carddebit card: Advisory Against Illegal Use• you may not exceed $3,000.00 in transactions per day; Opportunity accounts may not exceed $500.00 per day • Xxxx Xxxxx is only available to members with a Centra Credit Union checking account. There is no fee for Xxxx Xxxxx. • If you want to choose our “same-day” Xxxx Xxxxx option, there is a charge as listed in our separate Xxxx Xxxxx disclosure. • Dollar limits on Bill Pay may vary depending on the payer. • transfer funds between checking and savings accounts • transfer funds from line of credit to checking or savings • make payments from checking or savings to loan account(s) with us • make payments from checking to third parties (see Xxxx Xxxxx Transfers section above) • get information about: - the account balance of checking or savings account(s) - the last year’s deposits to checking or savings accounts - the last year’s withdrawals from checking or savings accounts - the last 18 months’ account statements • send funds to another individual’s account (Person to Person Transfers) - see separate disclosure for limits that apply • withdrawn funds from your Centra Credit Union account • set up recurring transfers • set up eLerts • place a stop payment on a check • open a new account or a Certificate of Deposit Mobile Banking - types of transfers - You agree not may access your account(s) using the browser on your cell or mobile phone, or using a Mobile App from your iPhone®, iPod touch®, iPad® or Android mobile device, to: • deposit checks right from your smart phone • transfer funds between checking and savings accounts • transfer funds from line of credit to use checking or savings • make payments from checking or savings to loan account(s) with us • make payments from checking to third parties (Xxxx Xxxxx) • get information about: - the account balance of checking or savings account(s) - the last year’s deposits to checking or savings accounts - the last year’s withdrawals from checking or savings accounts • send funds to another individual’s account (Person to Person Transfers) Health Savings Accounts (HSA). We permit some electronic fund transfers to and/or from your card(s) HSA. The electronic fund transfers we permit are offered for illegal gambling the convenience of managing your HSA. However, electronically moving funds to or other illegal purpose. Display of a payment card logo by, from your HSA – for example, depositing more than the allowable amount, or getting additional cash back on an online merchant does not necessarily mean that transactions HSA debit card transaction – can raise a variety of tax concerns. As a result, before electronically accessing any account you may have with us, it is a good practice to make sure you are lawful using the correct access device (such as a card) or accessing the appropriate account for the transaction. Also, it is your responsibility to ensure the contributions, distributions, and other actions related to your HSA, comply with the law, including federal tax law. As always, we recommend consulting a legal or tax professional if you have any questions about managing your HSA. The terms of this disclosure are intended to work in all jurisdictions in which conjunction with the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact HSA Agreement provided to you when you use your Visa Debit Card at certain merchant locationsearlier. In the past transactions have been processed as Visa Debit Card transactions unless you entered event of a PINconflict, the terms of the HSA Agreement control. In the future, if you You understand that your HSA is intended to be used for payment of qualified medical expenses. It is your responsibility to satisfy any tax liability resulting from use of your HSA for any purpose other than payment or reimbursement of qualified medical expenses. We do not enter a PIN, transactions may be processed as either a Visa Debit Card monitor the purpose of any transaction to or a transaction on from your HSA. Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment or reimbursement of qualified medical expenses. Refer to your HSA Agreement for more information relating to the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency use of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per monthyour HSA. • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. • Please refer to the Fee Schedule for additional information about charges. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third third-party transfers will require you to provide the third party with your account number and bank financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • · Preauthorized credits. credits - You may make arrangements for certain direct deposits (such as for example, from: U.S. Treasury (Social Security) or some employers (payroll)Treasury, ABC Company, payroll deposits, retirement) to be accepted into your checking or savings account(s)savings. • · Preauthorized payments. payments - You may make arrangements to pay certain recurring bills from your checking checking, savings or savings account(s)Savings for loan payments with this bank. • · Electronic check conversion. conversion - You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic · Xxxxxxxxxx returned check charge. charge - You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers • Telephone Banking transactions - types of transferstransactions - You may access your account by telephone using your account number(s), dollar limitations personal identification number (PIN), social security number and charges touch tone phone to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG loan accounts · get balance information about checking, savings, certificate of deposit or PBG Loan Accounts · get withdrawal history about checking or savings · get deposit history about checking or savings · get transaction history about checking, savings or Loan payments • You may access your account for telephone transactions at the following number(s) and during the following hours: · (000)000-0000 (24/7) • PBG Visa Check Card ATM transactions - types of transactions - You may access your account(s) by ATM at ACCEL or PLUS using your ATM card PBG Visa Check Card and your personal identification number or Debit Card and personal identification number, (PIN) (as applicable) to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get · withdraw cash withdrawals from checking and/or or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • · transfer funds from checking to or savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM to checking or with a merchant savings at an ATM · make payments from checking to merchants (point-of-salein person, online or via phone) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated financial institutions · get balance information about checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Cardorsavings · ADVISORY AGAINST ILLEGAL USE: Advisory Against Illegal Use. You agree not to use your card(s) card for illegal gambling or other illegal purposepurposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. • Some of these services may not be available at all terminals. · purchase goods in person, by phone, or online · pay for services in person, by phone, or online · get cash from a participating merchant or financial institution • Currency Conversion and International Transactions - When you use your VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. • Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transactions/currency conversions is disclosed separately. An international transaction is a transaction where the country of the merchant is outside the USA. • Advisory Against Illegal Use - You agree not to use your PBG Visa Check Card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in the jurisdiction in which you may be located. • Non-Visa Debit (PINless) TransactionsTransaction Processing - We have enabled non-Visa debit transaction processing. Recently new network processing procedures went into effect that This means you may impact you when you use your PBG Visa Check Card on a PIN-Debit Card at certain merchant locations. In the past transactions have been processed as Network* (a non-Visa Debit Card transactions unless you entered network) without using a PIN. In • The non-Visa debit network(s) for which such transactions are enabled are: ACCEL/Exchange Network. • Examples of the future, if types of actions that you do not enter a PIN, transactions may be processed as either required to make to initiate a Visa Debit transaction on your PBG Visa Check Card transaction include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. • Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the Pulsexxxxxx (possibly via telephone, Plus, StarInternet, or Cirrus networkskiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN. Limitations on frequency • The provisions of transfersyour agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. In addition to those limitations on transfers elsewhere described, if anyFor example, the following limitations applyadditional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. • * Visa Rules generally define "PIN-Debit Network" as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. • PBG Online - types of transfers - You may access your accounts at xxxxxxxxxxxxxxxxx.xxx and using your account number(s), personal identification number (PIN), social security number and Username and Password to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG Loan Accounts • (Some payments made by paper check will not be subject to this Electronic Fund Transfers from disclosure, as disclosed separately. You may use the CheckFree Online Bill Pay Service to arrange bill payments to merchants you set up and authorize. Bill Pay can be accessed through the PBG Online Internet Banking website. Depending on the merchants, some of these payments will be electronic but others will be issued a savings paper check. POPMoney is also available for person-to-person transfers.) · get balance information about checking, savings, certificate of deposit or PBG Loan Accounts · get transaction history about checking, savings, certificate of deposit or PBG Loan Account • You may access this service by computer at xxx.xxxxxxxxxxxxxxxxx.xxx and using your user name and password and account to another account or to third parties number(s). • You may also access this service by preauthorized, automatic, telephoneSmart phone, or computer transfer are limited to six per monthanother device, with internet access. and using the following for access: Username and Password. • Transfers You may access this service to: · make payments from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits your checking account(s) to any type of accountthird party that will accept prearranged payments • (Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately.) · transfers to your account with another institution, · transfers from your account with another institution. ATM Operator/Network Fees. When you use an ATM not owned by us, you · Transfers may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer)made person to person with through POPMoney.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third third-party transfers will require you to provide the third party with your account number and bank financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate initiative these electronic fund transfers. Examples of these transfers include, but are not limited to: • * Preauthorized credits. credits - You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s)savings. • * Preauthorized payments. payments - You may make arrangements to pay certain recurring bills from your checking or savings account(s)savings. • * Electronic check conversion. conversion - You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • * Electronic returned check charge. charge - You may authorize a merchant or other payee to initiate an make a one-time electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers Instant Cash Card transactions - types of transfers, dollar limitations and charges transactions - You may access your account(s) by ATM at Instant Cash Network, Advantage Network, Cirrus Network or Money Pass Network using your ATM card Instant Cash & Check Card and your personal identification number or Debit Card and personal identification number, (PIN) to: • make deposits * deposit funds to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits or savings * withdraw cash from checking or savings * transfer funds from checking to checking * transfer funds from checking to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • * transfer funds from savings to checking * transfer funds from savings to savings * get balance information about checking or savings Some of these services may not be available at all terminals. Instant Cash & Check Card ATM transactions - types of transactions - You may access your account(s) with an by ATM card and/or Debit at Instant Cash Network, Advantage Network, Cirrus Network or Money Pass Network using your Instant Cash & Check Card • and your personal identification number (PIN) (as applicable) to: * deposit funds to checking or savings * withdraw cash from checking to checking * transfer funds from checking to checking * transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • * transfer funds from savings to checking * transfer funds from savings to savings * get balance information about the available account balance checking or savings Some of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or these services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your accountavailable at all terminals. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Instant Cash & Check Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale transactions - types of transactions - You may access your checking account(s) by debit card to do transactions that participating merchants will accept, including: * purchase transactions) unless you have sufficient available funds goods in your account person, by phone, or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale online * pay for services in person, by phone, or online * get cash from a participating merchant of financial institution Currency Conversion and International Transactions - When you use your VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar limitations - Using your Debit Card: amount. The currency conversion rate used to determine the transaction amount in US dollars is either rate selected by VISA from the range of rates available in wholesale currency markets from the applicable central processing date, which rate may vary from the rate VISA itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a .8% Inter- national Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transactions/currency conversions is disclosed separately. An international transaction is a transaction where the country of the merchant is outside the USA. Advisory Against Illegal Use. Use - You agree not to use your card(s) for illegal gambling or other illegal purposepurposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. NonInternet Banking - types of transfers - You may access your accounts by computer at xxx.xxxxxxxxx.xxx and using your User ID and Password to: * transfer funds from checking to checking * transfer funds from checking to savings * transfer funds from savings to savings * transfer funds from savings to checking * make payments from checking to line of credit * make payments from savings to line of credit * get balance information about checking, savings, certificate of deposit or line of credit * get withdrawal history about checking, savings, certificate of deposit or line of credit * get deposit history about checking, savings or certificate of deposit * get transaction history about checking, savings, certificate of deposit or line of credit, Bill Pay types of transfers You may access this service by computer at xxx.xxxxxxxxx.xxx and using your User ID and Password. You may access this service to: * make payments from your checking and savings account(s) to any business, merchant, individual or professional that has an address the Bank can verify (the "Payee"). (Some payments made by paper check will not be subject to this Electronic Fund Transfer disclosure. See your service agreement for details. Payments may be made only to Payees with a United States payment address. You may not make a payment of taxes or any other governmental fees or court-Visa Debit (PINlessdirected payments through Bill Pay.) Transactions. Recently new network processing procedures went into effect Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of apply to these electronic fund transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Limitations on frequency of transfers - In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your savings account(s): During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than three of the six transfer may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth about in any statement period, your account will be subject to closure by the financial institution.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party BACKUP WITHHOLDING/TIN CERTIFICATION - Federal tax law requires us to initiate electronic fund transfers between your account and the third party’s account. These transfers report interest payments we make to make you of $10 or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur more in a year, and to include your taxpayer identification number of ways. For example, (TIN) on the report (the taxpayer identification number is your authorization to convert a check to social security number if you are an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receiptindividual). In all casesInterest includes dividends, these third party transfers will interest and bonus payments for purposes of this rule. Therefore, we require you to provide the third party us with your account number TIN and bank informationto certify that it is correct. In some circumstances, federal law requires us to withhold and pay to the IRS a percentage of the interest that is earned on funds in your accounts. This information can be found on is known as backup withholding. We will not have to withhold interest payments when you open your check as well as on account if you certify your TIN and certify that you are not subject to backup withholding due to underreporting of interest. (There are special rules if you do not have a deposit or withdrawal slip. ThusTIN but have applied for one, if you should only provide your bank and account information (whether over the phone, the Internetare a foreign person, or via some other methodif you are exempt from the reporting requirements.) We may subsequently be required to trusted third parties whom begin backup withholding if the IRS informs us that you have authorized supplied an incorrect TIN or that you underreported your interest income. CHANGING ACCOUNT PRODUCTS - We may change your account to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: another product offered by us at any time by giving you notice that your account will be • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills. • Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds. ATM Direct Touch Banking Telephone Transfers - types of transfers, dollar limitations and charges transfers - You may access your account(saccount by telephone 24 hours a day at (000) by ATM 000-0000 and Toll Free (866) 913- 3733 using your ATM card and personal identification number or Debit Card number, a touch tone phone, and personal identification Base account number, to: • make deposits to transfer funds from checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from savings to savings • make payments from checking to loan accounts with us • make payments from savings account(s) to loan accounts with an ATM card and/or Debit Card us • get information about about: - the available account balance of your checking and accounts - the last five transactions to checking accounts - the account balance of savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) - the last five transactions to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).accounts

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or draft to an electronic fund transfer or to electronically pay a returned check or draft charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank credit union information. This information can be found on your check or draft as well as on a deposit or withdrawal slip. Thus, you should only provide your bank credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples Example of these transfers include, but are not limited to: • · Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking share draft or share savings account(s). • · Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking share draft or share savings account(s). • · Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills. • · Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds. · transfer funds from share draft to share draft or share savings · transfer funds from share savings to share draft or share savings · make payments from share draft or share savings to loan accounts with us · get information about: o the account balance of share draft or share savings accounts o the last five deposits to share draft or share savings accounts o the last five withdrawals from share draft or share savings accounts o get information about the account balance of your share savings accounts with an ATM card Some of these services may not be available at all terminals. · get cash withdrawals from share draft or share savings account(s) with an ATM card o you may withdraw no more than up to $500 per day in combination with point-of-sale transactions. Limits are set by the credit union based on members account balances-daily or average, credit history, and activity on the account, including any negative balances or losses (fraud or otherwise). Ranges are $0 up to $500.00 (max) account balance of your share draft accounts with an ATM card Types of Point-of-Sale Transactions – You may access your share draft account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution. Sale Transactions – dollar limitations – Using your debit card you may not exceed a set limit in transactions per day in combination with ATM withdrawals. Limits are set by the credit union based on members account balances-daily or average, credit history, and activity on the account, including any negative balances or losses (fraud or otherwise). Ranges are $0 up to $2500.00 (max) · P/C Access Computer Transfers - – types of transfers, dollar limitations and charges - transfers – You may access your account(s) by ATM computer through the internet by logging onto our website at xxx.xxxxxx.xxx and using your ATM card account numbers and personal identification number or Debit Card and personal identification numberyour password, to: • · transfer funds from share draft to share draft or share savings · transfer funds from share savings to share savings or share savings · make deposits payments from share draft or share savings to checking loan account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to us · get information about: o the account balance of share draft or share savings account(s) with an ATM card and/or Debit Card at ATM locations that accept o deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day to share draft or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a share savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • · We do not charge for direct deposits to any type of account. ATM Operator/Network Fees· We do not charge for preauthorized payments from any type of account. When · Please refer to our separate fee schedule for additional information about fees. Except as indicated elsewhere, we do not charge for these electronic fund transfers. · Terminal transfers. You can get a receipt at the time you use an ATM not owned by usmake any transfer to or from your account using one of our automated teller machines or point-of-sale terminals. · Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you may be charged can call us at (000) 000-0000 to find out whether or not the deposit has been made. · Periodic Statements. o You will get a fee by the ATM operator or monthly statement from us for your share draft accounts. o You will get a monthly account statement from us for your share savings accounts, unless there are no transfers in a particular month. In any network used (and case, you may be charged will get a fee for a balance inquiry even if you do not complete a fund transfer)statement at least quarterly.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers card transactions - types of transfers, dollar limitations and charges transactions - You may access your account(s) by ATM using your ATM card and your personal identification number (PIN) to: VISA Check Card ATM transactions - types of transactions - You may access your account(s) by ATM at ATMs carrying the Cirrus or Debit Accel/Exchange Network logo using your VISA Check Card and your personal identification number, number (PIN) (as applicable) to: • make deposits to checking account(s) with an ATM card and/or Debit VISA Check Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactionstransactions - types of transactions - You may access your checking account(s) unless you have sufficient available funds in using your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale VISA Check Card to do transactions that participating merchants will accept, including: Currency Conversion and International Transactions - When you use your VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar limitations - Using your Debit Card: amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Advisory Against Illegal Use. Use - You agree not to use your card(s) VISA Check Card for illegal gambling or other illegal purposepurposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions the jurisdiction in which the cardholder you may be located. Non-Visa Debit Citizens Bank & Trust Bill Pay - types of transfers - Mobile Banking - types of transfers - You may access your accounts remotely with your Cell phone or other mobile access device and using your User identification name, Password and Text messaging commands (PINless) Transactionsavailable separately). Recently new network processing procedures went into effect You may use this service to: · transfer funds from Checking or Savings to Checking or Savings · make payments from Checking or Savings to Loans · make payments from Checking to Third Party through Bill Pay if you have enrolled in that service · get balance information about checking, savings, line of credit or certificate of deposit · get transaction history about checking, savings, line of credit or certificate of deposit Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of apply to these electronic fund transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).. Limitations on frequency of transfers - In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your savings, market rate savings and Citizens Plus savings account(s):

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments payment network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a pre-printed deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • □ Preauthorized credits. You may make arrangements for certain direct deposits (deposits, such as U.S. Treasury (Social Security) Security or some employers (payroll)) , to be accepted into your checking or savings account(s). • □ Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • □ Electronic check conversion. You may authorize a merchant or other payee to make a one-time one‐time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • □ Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Types and limitations on ATM Transfers - types of transfers, dollar limitations and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card and personal identification numberATM, to: • □ make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to or savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • □ get cash withdrawals from checking and/or or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • □ transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • □ transfer funds from checking to savings account(s) with an ATM card and/or Types and limitations on Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using You may access your Debit Card: Advisory Against Illegal Usechecking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. You agree Some services may not be available at all terminals. For security reasons, daily limits apply to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. NonATM withdrawals and point-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locationsof-sale transactions. In the past transactions event of security breach, fraud attempt, or other emergency, we may reduce, or suspend your ATM or debit card limit without prior notice. We may impose other limits on your debit card usage or on other types of electronic fund transfers in the future to protect your account from fraud. Types of Park Bank At Your Service 24/7 Transfers - You may access your account by telephone 24 hours a day at 608.283.6868 using the PIN established at account opening, a touch tone phone, and your account numbers, to: □ transfer funds from checking to checking or savings □ transfer funds from savings to checking or savings □ transfer funds from line of credit to checking or savings □ make payment from checking or savings to a loan Types of Online Banking Computer Transfers/Mobile Banking Transfers - You may access your account(s) by logging onto our website, through the browser on a supported mobile device or using the app on a supported mobile device to: □ transfer funds from checking to checking, savings, or loan account(s) □ transfer funds from savings to checking, savings, or loan account(s) □ transfer funds from line of credit to checking or savings □ deposit checks into a checking or savings account with a supported mobile device Types of Bill Pay Transfers - You may access your account(s) by logging onto our website, through the browser on a supported mobile device or using the app on a supported mobile device to: □ Use Bill Pay online to add payees and make payments to individuals or companies to whom you want to send one‐time or recurring payments from your checking account. □ Using Bill Pay online will also allow you to: □ transfer funds externally to and from an account you have at other financial institution(s) using the account and routing number (Account‐to‐account or A2A transfers). □ transfer funds externally to a person using either their mobile phone number, email address or their account and routing number (Person‐to‐person or P2P payments). □ Use Bill Pay to make payments to individuals or companies to whom you want to send one‐time or recurring payments from your checking account with a supported mobile device once payees have been processed as Visa Debit Card transactions unless you entered a PINestablished. For security reasons, daily or monthly limitations may apply to Telephone, Electronic Banking, and Bill Pay transactions. In the futureaddition, if you do may only add a new payee to Bill Pay within Online Banking. This feature is not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction currently available through Bill Pay on the Pulse, Plus, Star, or Cirrus networksour mobile app. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • □ Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, online or computer mobile transfer or by check check, draft, or similar order to third parties are limited to six (6) per monthstatement cycle. • We do □ Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, online or mobile transfer are limited to six (6) per statement cycle. FEES ATM & Debit Card Fees: □ Park Bank will not charge you to use a Park Bank debit card at an ATM. □ DEBIT CARD RUSH ORDERS: Same Day Production with Overnight Delivery ‐ $116. All rush requests must be submitted by noon central time. You may also opt for direct deposits to any type of accountan instant issue debit card in a branch at no extra charge. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Currency Conversion and Cross-Border Transaction Fees. If you conduct a transaction with your debit card in a currency other than U.S. Dollars, Visa® will convert the charge into a U.S. Dollar amount. The Visa® currency conversion procedure includes use of either a Government-mandated exchange rate, or a wholesale exchange rate selected by Visa®. The exchange rate Visa® uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account. In addition, you will be charged a Visa® Foreign Transaction Fee of 1.00% of the transaction amount for each transaction billed from a foreign country. This fee will appear as a separate transaction on your statement with the description "VISA Foreign Transaction Fee." Online Banking/Mobile Banking Fees and Charges. There are no fees imposed by Park Bank for the use of online or mobile banking. Bill Payment Fees and Charges. □ There are no fees imposed by Park Bank for the use of standard Bill Payment services. □ Same Day Bill Payment: $9.95 □ Overnight Check Payment: $14.95 Wireless Carrier Fees. Your wireless carrier may assess message fees, data rates, and other charges when you use your mobile phone. Please refer to your contract with your wireless provider for information about these fees. Other Fees: □ There is no processing charge for direct deposits or pre‐authorized payments. □ External Transfers should be conducted through the use of Bill Payment. If you opt to have Park Bank establish an External Transfer for you, an External Transfer Fee of $10.00 per transfer will apply.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Telephone Transfers - types of transfers - You may access your account by telephone at (000) 000-0000 or (888) 214- 3099 using your personal identification number, a touch tone phone, and your account numbers, to: • transfer funds from checking to savings • transfer funds from savings to checking • make payments from checking to loan accounts with us • get information about: - the account balance of checking or savings account(s) - loan account(s) 24 Hour ATM Card ATM Transfers - types of transfers, transfers and dollar limitations and charges - You may access your account(s) by ATM using your 24 Hour ATM card Card and personal identification number or Debit Card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to or savings account(s) with an ATM or debit card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or or savings account(s) with an ATM or debit card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us $500.00 per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM or debit card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM or debit card and/or Debit Card • make payments from checking account(s) with an ATM card to loan accounts • get information about about: - the available account balance of your checking and savings accounts account(s) • with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or • with a merchant (point-of-sale) to obtain goods or debit card - For security purposes there are limits on the frequency and amounts of transfers you may make using ATMs. Some of these services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your accountavailable at all terminals. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless• transfer funds from checking to savings • transfer funds from savings to checking • make payments from checking to loan account(s) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. with us • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Telephone Transfers - types of transfers - You may access your account by telephone at 000-000-0000 or 000-000-0000 using your personal identification number, a touch tone phone, and your account number(s), to: • transfer funds from checking to checking • transfer funds from checking to savings • transfer funds from savings to checking • transfer funds from savings to savings • make payments from checking to loan accounts with us • make payments from savings to loan accounts with us • get information about: - the account balance of checking and savings account(s) - deposits to and withdrawals from checking and savings account(s) ATM Transfers - types of transfers, dollar limitations limitations, and charges - You may access your account(s) by ATM using your ATM card Card and personal identification number or Debit Card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept ATMs we own or operate • make deposits to checking account(s) with a debit card at ATMs we own or operate • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept ATMs we own or operate • make deposits to savings account(s) with a debit card at ATMs we own or operate • get cash withdrawals from checking and/or account(s) with an ATM card - you may withdraw no more than $600.00 per day - there is a charge of $3.50 per transaction at ATMs we do not own or operate • get cash withdrawals from checking account(s) with a debit card - you may withdraw no more than $600.00 per day - there is a charge of $3.50 per transaction at ATMs we do not own or operate • get cash withdrawals from savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1$600.00 per day • get cash withdrawals from savings account(s) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us a debit card - you may withdraw no more than $600.00 per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from savings to checking account(s) with a debit card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with a debit card • get information about about: - the available account balance of your checking and savings accounts account(s) • with an ATM card and/or Debit Card • with a debit card - the account balance of your savings account(s) • with an ATM card • with a debit card Types of ATM Card Point-of-Sale Transactions: Collection and Overdrafts. When you use Transactions - You may access your ATM card checking or Debit Card at an ATM or with a merchant (point-of-salesavings account(s) to obtain purchase goods (in person, online, or by phone), pay for services (in person, online, or cashby phone), get cash from a merchant, if the ATM merchant permits, or merchant may obtain from a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorizationparticipating financial institution, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance do anything that a participating merchant will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking accountaccept. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $2,000.00 in transactions per day Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction with your Debit CardCard in a currency other than US Dollars, Mastercard® will convert the charge into a US Dollar amount. The Mastercard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by Mastercard. The exchange rate Mastercard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account. • transfer funds from checking to checking • transfer funds from checking to savings • transfer funds from savings to checking • transfer funds from savings to savings • transfer funds from eligible home equity line of credit to checking • transfer funds from eligible home equity line of credit to savings • make payments from checking to loan account(s) with us • make payments from checking to third parties (Bill Pay) • make payments from savings to loan account(s) with us • get information about: Advisory Against Illegal Use- the account balance of checking account(s) - the last 18 months of deposits to checking accounts - the last 18 months of withdrawals from checking accounts - the account balance of savings account(s) - the last 18 months of deposits to savings accounts - the last 18 months of withdrawals from savings accounts - last 13 months of statements Mobile Banking Transfers* - types of transfers - You may access your account(s) through the App or Browser Link and using your password; you must first enroll through Online Banking and have a mobile device that can receive SMS messages through a short code, to: Health Savings Accounts (HSA). You agree not We permit some electronic fund transfers to use and/or from your card(s) HSA. The electronic fund transfers we permit are offered for illegal gambling the convenience of managing your HSA. However, electronically moving funds to or other illegal purpose. Display of a payment card logo by, from your HSA – for example, depositing more than the allowable amount, or getting additional cash back on an online merchant does not necessarily mean that transactions HSA debit card transaction – can raise a variety of tax concerns. As a result, before electronically accessing any account you may have with us, it is a good practice to make sure you are lawful using the correct access device (such as a card) or accessing the appropriate account for the transaction. Also, it is your responsibility to ensure the contributions, distributions, and other actions related to your HSA, comply with the law, including federal tax law. As always, we recommend consulting a legal or tax professional if you have any questions about managing your HSA. The terms of this disclosure are intended to work in all jurisdictions in which conjunction with the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact HSA Agreement provided to you when you use your Visa Debit Card at certain merchant locationsearlier. In the past transactions have been processed as Visa Debit Card transactions unless you entered event of a PINconflict, the terms of the HSA Agreement control. In the future, if you You understand that your HSA is intended to be used for payment of qualified medical expenses. It is your responsibility to satisfy any tax liability resulting from use of your HSA for any purpose other than payment or reimbursement of qualified medical expenses. We do not enter a PIN, transactions may be processed as either a Visa Debit Card monitor the purpose of any transaction to or a transaction on from your HSA. Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment or reimbursement of qualified medical expenses. Refer to your HSA Agreement for more information relating to the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency use of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per monthyour HSA. • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at 0-000-000-0000 using a touch tone phone, your account number(s), and your social security number, to: • transfer funds from checking to checking or savings • transfer funds from savings (excluding passbook savings) to checking or savings • make payments from checking or savings (excluding passbook savings) to loan accounts with us • get information about: - the account balance of checking or savings accounts Your Option to Limit Cash Withdrawals - In addition to dollar amount limitations for withdrawals using your ATM or MasterMoney™ Debit Card that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM or MasterMoney™ Debit Card to $50 per day or some other amount acceptable to us. ATM Transfers - CIRRUS and NYCE Networks - types of transfers, dollar limitations limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or MasterMoney™ Debit Card and personal identification number, to: • transfer funds from checking to checking or savings • transfer funds from savings (excluding passbook savings) to checking or savings • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to or savings account(s) with at an ATM card and/or Debit Card at ATM locations that accept deposits we own or operate • get cash withdrawals from checking and/or or savings account(s) with an ATM card and/or Debit Card (excluding passbook savings) - you may withdraw no more than the lesser $500 per day - Fees: For related charges that may apply, refer to our Fee Schedule Some of (1) the these services may not be available balance in your selected deposit account plus, where applicable, the amount at all terminals. Types of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your MasterMoney™ Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use Transactions - You may access your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the amount of any ATM card merchant permits, or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorizationa participating financial institution, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance do anything that a participating merchant will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking accountaccept. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations applycard: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer)exceed $1,000 in transactions per day.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your personal identification number, a touch tone phone, and your account numbers, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • get information about: - the account balance of checking or savings accounts - the last ten deposits to checking or savings accounts - the last ten withdrawals from checking or savings accounts ATM Transfers - types of transfers, dollar limitations limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card debit card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to or savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits Liberty Bank and Trust Company only • get cash withdrawals from checking and/or or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us $500.00 per business banking day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card at Liberty Bank and Trust Company only • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card at Liberty Bank and Trust Company only • get information about about: - the available account balance of your checking and or savings accounts with an ATM card and/or Types of Visa® Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use Transactions - You may access your ATM card or Debit Card at an ATM or with a merchant (point-of-salechecking account(s) to obtain purchase goods (in person or by phone), pay for services (in person or cashby phone), get cash from a merchant, if the ATM merchant permits, or merchant may obtain from a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorizationparticipating financial institution, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance do anything that a participating merchant will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking accountaccept. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $3,000.00 in point-of-sale transactions per day even though your account balance(s) may be higher • you may not exceed $500.00 in ATM transactions per day Currency Conversion and International Transactions. When you use your Visa® Debit Card: Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction • transfer funds from checking to checking or a transaction on the Pulse, Plus, Star, savings • transfer funds from savings to checking or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: savings • Transfers make payments from a savings account to another account or checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges - You may access your account(s) through the browser on your mobile device or by preauthorizeddownloading our mobile banking app and using your user identification and your password, automatic, telephone, to: • transfer funds from checking to checking or computer savings • transfer are limited funds from savings to six per month. checking or savings • Transfers make payments from a money market account to another account or checking to third parties by preauthorized, automatic, telephone, (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or computer transfer savings account(s) - deposits to checking or by check savings accounts - withdrawals from checking or similar order to third parties are limited to six per month. savings accounts • deposit checks remotely using the remote deposit capture service • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third third-party transfers will require you to provide the third party with your account number and bank financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers Telephone Banking transactions - types of transferstransactions - You may access your account by telephone using your account number(s), dollar limitations personal identification number (PIN), social security number and charges touch tone phone to: PBG Visa Check Card ATM transactions - types of transactions - You may access your account(s) by ATM at ACCEL or PLUS using your ATM card PBG Visa Check Card and your personal identification number or Debit Card and personal identification number, (PIN) (as applicable) to: • make deposits to checking account(s) with an ATM card and/or Debit PBG Visa Check Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactionstransactions - types of transactions - You may access your checking account(s) unless you have sufficient available funds in using your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale PBG Visa Check Card to do transactions that participating merchants will accept, including: Currency Conversion and International Transactions - When you use your VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar limitations - Using your Debit Card: amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Advisory Against Illegal Use. Use - You agree not to use your card(s) PBG Visa Check Card for illegal gambling or other illegal purposepurposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions the jurisdiction in which the cardholder you may be located. Non-Visa Debit (PINless) TransactionsTransaction Processing - We have enabled non-Visa debit transaction processing. Recently new network processing procedures went into effect that This means you may impact you when you use your PBG Visa Check Card on a PIN-Debit Card at certain merchant locations. In the past transactions have been processed as Network* (a non-Visa Debit Card transactions unless you entered network) without using a PIN. In the futurePBG Online - types of transfers - You may access your accounts at xxxxxxxxxxxxxxxxx.xxx and using your account number(s), if you do not enter a personal identification number (PIN), transactions social security number and Username and Password to: CheckFree Online Bill Pay Service - types of transfers - MOBILE ACCESS: PBOG MOBILITI Online Internet Banking and Bill Pay Services. - types of transfers - You may be processed as either a Visa Debit Card access your accounts remotely with your Cell phone or other mobile device with Internet Access. and using your Username, Password, Personal identification number (PIN), Responses to multifactor authentication questions and Account type descriptions. You may use this service to: · transfer funds from Checking or Savings to Checking or Savings · transfer funds from Checking or Savings to Loans · make payments from Checking or Savings to Checking or Savings · make payments from Checking or Savings to Loans · get balance information about checking, savings, certificate of deposit or Loans · get transaction history about checking, savings, certificate of deposit or a transaction on the Pulse, Plus, Star, or Cirrus networksLoans · Order checks · Make person to person transfers with Xxxxx*. Limitations on frequency of Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-one- time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers Telephone Banking - types of transfers, dollar limitations and charges transfers - You may access your account(s) account by ATM telephone 24 hours a day seven days a week at 0-000-000-0000 using your ATM card and personal identification number or Debit Card number, a touch tone phone, your account numbers, and personal identification your telephone banking number, to: • make deposits transfer funds to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals and from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in authorized deposit accounts per your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal disclosure • transfer funds from savings a line of credit to checking account(s) with an ATM card and/or Debit Card a deposit account per your account disclosure • transfer funds make payments from checking to savings account(s) loan accounts with an ATM card and/or Debit Card us • get information about the available account balance of your checking about: - balances and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions deposit accounts - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).balances associated with loan accounts

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers - types of transfers, dollar limitations and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card and personal identification number, to: • make deposits to transfer funds from checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds make payments from checking to loan accounts with us • make payments from savings to loan accounts with us • get checking account(s) information • get savings account(s) with an ATM card and/or Debit Card information • get information about the available account balance certificate of your checking and savings accounts with an ATM card and/or Debit Card Types deposit, line of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card credit or Debit Card at an ATM or with a merchant (point-of-saleloan account(s) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).information

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Telephone Transfers - types of transferstransfers - You may access your account by telephone at (000) 000-0000 using your personal identification number, dollar limitations a touch tone phone, and charges your account number, to: • transfer funds from checking to savings • transfer funds from savings to checking • make payments from checking to loan accounts with us • make payments from savings to loan accounts with us • transfer funds from checking to savings • transfer funds from savings to checking • transfer funds from checking/savings account(s) to account(s) at other banks • transfer funds from account(s) at other banks to your checking/savings account(s) • make payments from checking to loan account(s) with us • make payments from checking or savings to third parties • make payments from savings to loan account(s) with us • get checking account(s) information • get savings account(s) information • get loan account(s) information Mobile Banking Transfers - types of transfers - You may access your account(s) through the browser on your mobile phone at xxxxxxxxxxx.xxx or by ATM downloading the mobile banking app and using your ATM card Online Banking login ID and personal identification number or Debit Card and personal identification numberpassword, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings money market account to another account or to third parties by preauthorized, preauthorized or automatic, telephone, or computer transfer are limited to six per calendar month. • Transfers from a money market If you exceed the transfer limitations set forth above, your account shall be subject to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per monthclosure. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized •Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking checking, savings, or savings money market account(s). • Preauthorized •Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking checking, savings, or savings money market account(s). • Electronic •Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic •Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Columbia On-Call Telephone Banking Transfers - types of transfers - You may access your account by telephone 24 hours a day at 0-000-000-0000 using your personal identification number and your account numbers, to: •transfer funds from checking to checking •transfer funds from checking to savings •transfer funds from savings to checking •transfer funds from savings to savings •make payments from checking to loan accounts with us •make payments from savings to loan accounts with us •get information about: -the account balance of checking account(s) -the last five deposits to checking accounts -the last five withdrawals from checking accounts -the account balance of savings account(s) -the last five deposits to savings accounts -the last five withdrawals from savings accounts ATM Transfers - types of transfers, dollar limitations limitations, and charges - You may access your account(s) by ATM using your ATM card Columbia Cash Card and personal identification number or Columbia VISA® Debit Card and personal identification number, to: • make •make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make •make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get •get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you -you may withdraw no more than $600.00 or your available balance, whichever is less, per day -see the lesser of (1Services & Fees Schedule for applicable charges •get cash withdrawals from savings account(s) -you may withdraw no more than $600.00 or your available balance, whichever is less, per day -see the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established Services & Fees Schedule for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer applicable charges •transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer •transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get •get information about the available about: -the account balance of your checking and account(s) -the account balance of your savings accounts with an ATM card and/or account(s) Some of these services may not be available at all terminals. Types of Columbia VISA® Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use Transactions - You may access your ATM card or Debit Card at an ATM or with a merchant (point-of-salechecking account(s) to obtain purchase goods (in person, online, or by phone), pay for services (in person, online, or cashby phone), get cash from a merchant, if the ATM merchant permits, or merchant may obtain from a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorizationparticipating financial institution, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance do anything that a participating merchant will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking accountaccept. Point-of-Sale Transactions - dollar limitations - Using your card: •Non-VISA Debit CardPurchases $1,000.00 or available balance, whichever is less, per day or •VISA Debit Purchases: $3,000.00 or available balance, whichever is less, per day (Business-class cards may purchase up to $5,000.00 or available balance, whichever is less, per day) Peer-to-Peer (P2P) Transactions using your Columbia VISA® Debit Card - P2P dollar and frequency limits are as follows. Each limit applies separately to credit and debit transactions. •Limit of $3,000.00 or available balance, whichever is less, per transaction •Limit of $3,000.00 or available balance, whichever is less, per day •Limit of $15,000.00 per week •Limit of 10 transactions per day •Limit of 100 transactions per week Currency Conversion. When you use your Columbia VISA® Debit Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate VISA itself receives, or the government- mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Financial Freedom Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at 000-000-0000 or 000-000-0000 (outside of New Orleans) using your personal identification number, a touch tone phone, and your account numbers, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • get information about: - the account balance of checking or savings accounts - the last ten deposits to checking or savings accounts - the last ten withdrawals from checking or savings accounts ATM Transfers - types of transfers, dollar limitations limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card debit card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to or savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits Liberty Bank and Trust Company only • get cash withdrawals from checking and/or or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us $500.00 per business banking day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card at Liberty Bank and Trust Company only • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card at Liberty Bank and Trust Company only • get information about about: - the available account balance of your checking and or savings accounts with an ATM card and/or Types of Visa® Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use Transactions - You may access your ATM card or Debit Card at an ATM or with a merchant (point-of-salechecking account(s) to obtain purchase goods (in person or by phone), pay for services (in person or cashby phone), get cash from a merchant, if the ATM merchant permits, or merchant may obtain from a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorizationparticipating financial institution, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance do anything that a participating merchant will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking accountaccept. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $3,000.00 in point-of-sale transactions per day even though your account balance(s) may be higher • you may not exceed $500.00 in ATM transactions per day Currency Conversion and International Transactions. When you use your Visa® Debit Card: Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction • transfer funds from checking to checking or a transaction on the Pulse, Plus, Star, savings • transfer funds from savings to checking or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: savings • Transfers make payments from a savings account to another account or checking to third parties (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts Mobile Banking Transfers - types of transfers, dollar limitations and charges - You may access your account(s) through the browser on your mobile device or by preauthorizeddownloading our mobile banking app and using your user identification and your password, automatic, telephone, to: • transfer funds from checking to checking or computer savings • transfer are limited funds from savings to six per month. checking or savings • Transfers make payments from a money market account to another account or checking to third parties by preauthorized, automatic, telephone, (Bill Pay) - please refer to our separate fee schedule for charges that apply to this service • get information about: - the account balance of checking or computer savings account(s) - deposits to checking or savings accounts - withdrawals from checking or savings accounts • make person to person payments using Popmoney - you may transfer or by check or similar order to third parties are limited to six no more than $500.00 per month. day • deposit checks remotely using the remote deposit capture service • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time onetime occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third third- party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or passbook and statement savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or statement savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM POSTING OF TRANSFERS - Immediate transfers typically occur instantly once the "Confirm" button is selected. The transaction cannot be cancelled or stopped. Future Dated and Recurring transfers may be edited from the Scheduled Transfers - types list prior to midnight on the day before the scheduled transfer date. Transfers of transfers, dollar limitations and charges - funds are processed against available funds which may include any overdraft methods that you have selected to cover your account. Internal transfers can be Immediate or scheduled as future dated or recurring. External Transfers must be Future dated. You may transfer funds to and from accounts you have access to at other financial institutions using this service. Transfers can be scheduled for a future date or on a recurring basis. All future dated and past transfers are viewable from within the Transfer Activity section of the service. Once validated, transfers established prior to 3:00 p.m. on a business day will be processed on the next business day. You agree that this external transfer service is for consumer purposes only between your account(s) by ATM using at Reading Cooperative Bank and your ATM card and personal identification number or Debit Card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits another financial institution. This feature is not available to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdraftsregistered Business customers. When you use request an external transfer using this service, you authorize us to follow the transfer instructions and transfer the funds from the designated account. We may refuse to act on your ATM card external transfer instruction if there are insufficient funds available in your account or Debit Card at an ATM under any linked overdraft protection from savings or with a merchant (point-of-sale) to obtain goods or services or cash, overdraft line of credit. External Funds transfers will be deemed deposited on the ATM or merchant may obtain a pre-authorization transaction date and will be held for 2 business days. the transaction. We will also place a hold on your designated checking account This applies to both individual transactions as well as preauthorized recurring transactions. You must access the appropriate function in our Online Banking service no later than the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) day before the business day that the authorization transfer is paid by us. Pre-authorization requests may scheduled to be in amounts different from made, and either delete it or make the total amount of the sales slipchange. If any of the information provided to us a transfer has been made for the pre-authorization does which funds are not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, available and the pre- authorization hold may remain on your account for up Bank is unable to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by recover the amount of the hold payment by charging your account(s), you agree to repay the funds owed immediately upon demand. Future Dated and Recurring transfers may be edited from the Scheduled Transfers list prior to midnight on the day before the scheduled transfer date. Transfers of funds are processed against available funds which may include any overdraft methods that you have selected to cover your account. Internal transfers can be Immediate or scheduled as future dated or recurring. External Transfers must be Future dated. You may transfer funds to and from and from accounts you have access to at other financial institutions using this service. Transfers can be scheduled for as long as a future date or on a recurring basis. All future dated and past transfers are viewable from within the hold is in effectTransfer Activity section of the service. This means that funds Once validated, transfers established prior to 3:00 p.m. on hold a business day will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit itemsprocessed on the next business day. You agree that we will this external transfer service is for consumer purposes only between your account(s) at Reading Cooperative Bank and your account(s) at another financial institution. This feature is not be liable available to registered Business customers. When you for wrongful dishonor of any checkrequest an external transfer using this service, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item you authorize us to follow the transfer instructions and transfer the funds from the designated account. We may refuse to act on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even external transfer instruction if the authorized transaction has posted to your account. To prevent non-sufficient there are insufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an any linked overdraft protection service associated from savings or overdraft line of credit. External Funds transfers will be deemed deposited on the transaction date and will be available thereafter in accordance with our Funds Availability Policy. Call or write us at the telephone number or address listed in this agreement and disclosure in time for us to receive your designated checking accountrequest 3 business days or more before the payment is scheduled to be made. PointIf you call, we may also require you to put your request in writing and get it to us within 14 days after you call. Please refer to our separate Personal Fee Disclosure for the amount we will charge you for each stop-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Usepayment order you give. • Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You agree not may choose instead to use your card(sget this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.) • Liability for illegal gambling failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or other illegal purpose. Display of a payment card logo bymore before the transfer is scheduled, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you and we do not enter a PINdo so, transactions may we will be processed as either a Visa Debit Card transaction liable for your losses or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer)damages.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your consumer account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or draft to an electronic fund transfer or to electronically pay a returned check or draft charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank credit union information. This information can be found on your check or draft as well as on a deposit or withdrawal slip. Thus, you should only provide your bank credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking share draft or share savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking share draft or share savings account(s). • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills. • Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds. Tellerphone Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) 000-0000 using your personal identification number, a touch tone phone, and your account numbers, to: • transfer funds from share draft to share savings • transfer funds from share savings to share draft • transfer funds from share savings to share savings • transfer funds from line of credit to share draft • make payments from share draft to loan accounts with us • make payments from share savings to loan accounts with us • get information about: - the account balance of share draft accounts - the account balance of share savings accounts ATM Transfers - types of transfers, transfers and dollar limitations and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit VISA® Check Card and personal identification number, to: • make deposits to checking share draft account(s) • make deposits to share savings account(s) • get cash withdrawals from share draft account(s) • transfer funds from share savings to share draft account(s) • transfer funds from share draft to share savings account(s) • make payments from share draft account(s) with an ATM card and/or Debit Card to us, only at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day ATMs we own or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card operate • get information about about: - the available account balance of your checking and share draft accounts - the account balance of your share savings accounts with an ATM card and/or Debit Card Some of these services may not be available at all terminals. Types of ATM Card Point-of-Sale Transactions: Collection and Overdrafts. When you use Transactions - You may access your ATM card or Debit Card at an ATM or with a merchant (point-of-saleshare draft account(s) to obtain purchase goods or (in person), pay for services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account (in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorizationperson), and the pre- authorization hold may remain on your account for up to three (3) business daysget cash from a merchant, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawalmerchant permits, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to from a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking accountparticipating financial institution. Point-of-Sale Transactions - dollar limitations - Using your Debit Cardcard: Advisory Against Illegal Use• you may not exceed $500.00 in transactions per day Types of VISA® Check Card Point-of-Sale Transactions - You may access your share draft account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. You agree not to Point-of-Sale Transactions - dollar limitations - Using your card: • Dollar limitations will be disclosed in writing at card issuance. Currency Conversion and International Transactions. When you use your card(s) Visa® Check Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for illegal gambling the applicable central processing date, which rate may vary from the rate Visa itself receives, or other illegal purposethe government-mandated rate in effect for the applicable central processing date. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful The conversion rate in all jurisdictions effect on the processing date may differ from the rate in which effect on the cardholder may be locatedtransaction date or posting date. Non-Visa Debit (PINless) TransactionsTransaction Processing. Recently new network processing procedures went into effect that We have enabled non-Visa debit transaction processing. This means you may impact you when you use your Visa-branded debit card on a PIN-Debit Network* (a non-Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered network) without using a PIN. In Prohibition of Online Gambling Transactions. You may not use your credit/debit card to purchase any form of gambling services over the futureInternet. Gambling services include, but are not limited to, betting, lotteries, casino-style games, funding of an account established by a merchant on behalf of a cardholder for gambling services. The funding of an account is classified as an online gambling transaction if you do not enter a PINthat account can be used to purchase Internet gambling services. The determination of what is prohibited as Internet gambling is in the credit union’s sole discretion. Any attempt to use your card to purchase Internet gambling will constitute default under this Agreement, transactions may be processed as either a Visa Debit Card transaction or a transaction on giving the Pulse, Plus, Star, or Cirrus networkscredit union the rights set forth herein. Limitations on frequency • transfer funds from share draft to share savings • transfer funds from share savings to share draft • transfer funds from share savings to share savings • transfer funds from line of transfers. In addition credit to those limitations on transfers elsewhere described, if any, the following limitations apply: share draft • Transfers transfer funds from a line of credit to share savings account • make payments from share draft to another account or loan account(s) with us • make payments from share draft to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market with Xxxx Xxx - Bill Pay non usage fee (after 60 days) $10.00 - account to account transfers (A2A) - outgoing $2.00 - Bill Pay stop payment fee $25.00 - Bill Pay check copy fee $10.00 - Bill Pay NSF return item fee $25.00 • make payments from share savings to loan account(s) with us • send money to another individual’s account or with XxxXxxxx - PopMoney send/request standard fee .............................................................................................................................................................................................................$.60 - PopMoney send next-day fee $1.25 - PopMoney stop payment fee $25.00 - PopMoney NSF fee $25.00 • get information about: - the account balance of share draft account(s) - previous deposits to share draft accounts - previous withdrawals from share draft accounts - the account balance of share savings account(s) - previous deposits to share savings accounts - previous withdrawals from share savings accounts Mobile Banking Transfers - types of transfers - You may access your account(s) through your mobile device by downloading our mobile banking app and using your user name, your password, and your account numbers, to: • transfer funds from share draft to share savings • transfer funds from share savings to share draft • transfer funds from share savings to share savings • transfer funds from line of credit to share draft • transfer funds from line of credit to share savings • make payments from share draft to loan account(s) with us • make payments from share draft to third parties by preauthorized, automatic, telephone, or computer transfer or by with Xxxx Xxx - Bill Pay non usage fee (after 60 days) $10.00 - account to account transfers (A2A) - outgoing $2.00 - Bill Pay stop payment fee $25.00 - Bill Pay check or similar order copy fee $10.00 - Bill Pay NSF return item fee $25.00 • make payments from share savings to third parties are limited loan account(s) with us • send money to six per month. another individual’s account with XxxXxxxx - PopMoney send/request standard fee .............................................................................................................................................................................................................$.60 - PopMoney send next-day fee $1.25 - PopMoney stop payment fee $25.00 - PopMoney NSF fee $25.00 • get information about: - the account balance of share draft account(s) - previous deposits to share draft accounts - previous withdrawals from share draft accounts - the account balance of share savings account(s) - previous deposits to share savings accounts - previous withdrawals from share savings accounts • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. • We will charge $1.00 per transaction made at ATMs we do not own or operate. • We will charge you $4.95 for any electronic payments paid via debit card from another financial institution. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).a

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third third-party transfers will require you to provide the third party with your account number and bank financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers Telephone Banking transactions - types of transferstransactions - You may access your account by telephone using your account number(s), dollar limitations personal identification number (PIN), social security number and charges touch tone phone to: PBG Visa Check Card ATM transactions - types of transactions - You may access your account(s) by ATM at ACCEL or PLUS using your ATM card PBG Visa Check Card and your personal identification number or Debit Card and personal identification number, (PIN) (as applicable) to: • make deposits to checking account(s) with an ATM card and/or Debit PBG Visa Check Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactionstransactions - types of transactions - You may access your checking account(s) unless you have sufficient available funds in using your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale PBG Visa Check Card to do transactions that participating merchants will accept, including: Currency Conversion and International Transactions - When you use your VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar limitations - Using your Debit Card: amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Advisory Against Illegal Use. Use - You agree not to use your card(s) PBG Visa Check Card for illegal gambling or other illegal purposepurposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions the jurisdiction in which the cardholder you may be located. Non-Visa Debit (PINless) TransactionsTransaction Processing - We have enabled non-Visa debit transaction processing. Recently new network processing procedures went into effect that This means you may impact you when you use your PBG Visa Check Card on a PIN-Debit Card at certain merchant locations. In the past transactions have been processed as Network* (a non-Visa Debit Card transactions unless you entered network) without using a PIN. In the futurePBG Online - types of transfers - You may access your accounts at xxxxxxxxxxxxxxxxx.xxx and using your account number(s), if you do not enter a personal identification number (PIN), transactions social security number and Username and Password to: CheckFree Online Bill Pay Service - types of transfers - MOBILE ACCESS: PBOG MOBILITI Online Internet Banking and Bill Pay Services. - types of transfers - You may be processed as either a Visa Debit Card access your accounts remotely with your Cell phone or other mobile device with Internet Access. and using your Username, Password, Personal identification number (PIN), Responses to multifactor authentication questions and Account type descriptions. You may use this service to: · transfer funds from Checking or Savings to Checking or Savings · transfer funds from Checking or Savings to Loans · make payments from Checking or Savings to Checking or Savings · make payments from Checking or Savings to Loans · get balance information about checking, savings, certificate of deposit or Loans · get transaction history about checking, savings, certificate of deposit or a transaction on the Pulse, Plus, Star, or Cirrus networksLoans · Order checks · Make person to person transfers with Xxxxx*. Limitations on frequency of Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).. Limitations on frequency of transfers - In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Regular Savings, Money Market Deposit Accounts, and Super Money Market Deposit Accounts account(s):

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers EFTs between your account Account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) ACH or other payments payment network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer EFT or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third These third-party transfers will may require you to provide the third party with your account number and Card information, Account number, and/or bank routing information. This information can be found on your check Check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank Card, bank, and account Account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfersElectronic Fund Transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s)Account. • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s)Account. • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment EFT from your checking account Account using information from your check to pay for purchases or pay billsCheck. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer EFT to collect a charge in the event a check Check is returned for insufficient funds. ATM Transfers - types of transfers, dollar limitations and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at 000-000-0000 using your personal identification number, a touch tone phone and your account numbers, to: • transfer funds from checking to checking • transfer funds from checking to statement savings • transfer funds from statement savings to checking • make payments from checking to loan accounts with us • get information about: - the account balance of checking account(s) - the account balance of statement savings account(s) - loan account information ATM Transfers - types of transfers, transfers and dollar limitations and charges - You may access your account(s) by ATM using your ATM card Card and personal identification number or Debit MasterMoney Card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1$500.00 per day • get cash withdrawals from statement savings account(s) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us - you may withdraw no more than $500.00 per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from statement savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to statement savings account(s) with an ATM card and/or Debit Card • get information about about: - the available account balance of your checking and account(s) - the account balance of your statement savings accounts with an ATM card and/or Debit Card account(s) Some of these services may not be available at all terminals. Types of MasterMoney Card Point-of-Sale Transactions: Collection and Overdrafts. When you use Transactions - You may access your ATM card or Debit Card at an ATM or with a merchant (point-of-salechecking account(s) to obtain purchase goods (in person, online, or by phone), pay for services (in person, online, or cashby phone), get cash from a merchant, if the ATM merchant permits, or merchant may obtain from a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorizationparticipating financial institution, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance do anything that a participating merchant will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking accountaccept. Point-of-Sale Transactions - dollar limitations - Using your Debit Cardcard: • you may not exceed $940.00 in transactions per day Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which • transfer funds from checking to statement savings • transfer funds from checking to revolving line of credit • transfer funds from statement savings to revolving line of credit • make payments from checking to loan account(s) with us • make payments from checking to third parties with Internet Bill Pay • get information about: - the cardholder may be located. Non-Visa Debit (PINlessaccount balance of checking account(s) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In - the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. account balance of statement savings account(s) Limitations on frequency Frequency of transfersTransfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers Regardless of anything else in this or other agreements, transfers and withdrawals from a savings or money market account to another account of your accounts or to third parties by preauthorized, automatic, telephonetelephonic, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephonetransfer, or computer transfer or by check check, draft, debit card, or similar order to third parties are limited to parties, cannot exceed six (6) per monthmonthly statement cycle. • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments payment network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a pre-printed deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • □ Preauthorized credits. You may make arrangements for certain direct deposits (deposits, such as U.S. Treasury (Social Security) Security or some employers (payroll)) , to be accepted into your checking or savings account(s). • □ Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • □ Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • □ Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Types and limitations on ATM Transfers - types of transfers, dollar limitations and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card and personal identification numberATM, to: • □ make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to or savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • □ get cash withdrawals from checking and/or or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • □ transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • □ transfer funds from checking to savings account(s) with an ATM card and/or Types and limitations on Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using You may access your Debit Card: Advisory Against Illegal Usechecking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. You agree Some services may not be available at all terminals. For security reasons, daily limits apply to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. NonATM withdrawals and point-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locationsof-sale transactions. In the past transactions event of security breach, fraud attempt, or other emergency, we may reduce, or suspend your ATM or debit card limit without prior notice. We may impose other limits on your debit card usage or on other types of electronic fund transfers in the future to protect your account from fraud. Types of Park Bank At Your Service 24/7 Transfers - You may access your account by telephone 24 hours a day at 608.283.6868 using the PIN established at account opening, a touch tone phone, and your account numbers, to: □ transfer funds from checking to checking or savings □ transfer funds from savings to checking or savings □ transfer funds from line of credit to checking or savings □ make payment from checking or savings to a loan Types of Online Banking Computer Transfers/Mobile Banking Transfers - You may access your account(s) by logging onto our website, through the browser on a supported mobile device or using the app on a supported mobile device to: □ transfer funds from checking to checking, savings, or loan account(s) □ transfer funds from savings to checking, savings, or loan account(s) □ transfer funds from line of credit to checking or savings □ deposit checks into a checking or savings account with a supported mobile device Types of Bill Pay Transfers - You may access your account(s) by logging onto our website, through the browser on a supported mobile device or using the app on a supported mobile device to: □ Use Bill Pay online to add payees and make payments to individuals or companies to whom you want to send one-time or recurring payments from your checking account. □ Using Bill Pay online will also allow you to: □ transfer funds externally to and from an account you have at other financial institution(s) using the account and routing number (Account-to-account or A2A transfers). □ transfer funds externally to a person using either their mobile phone number, email address or their account and routing number (Person-to-person or P2P payments). □ Use Bill Pay to make payments to individuals or companies to whom you want to send one-time or recurring payments from your checking account with a supported mobile device once payees have been processed as Visa Debit Card transactions unless you entered a PINestablished. For security reasons, daily or monthly limitations may apply to Telephone, Electronic Banking, and Bill Pay transactions. In the futureaddition, if you do may only add a new payee to Bill Pay within Online Banking. This feature is not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction currently available through Bill Pay on the Pulse, Plus, Star, or Cirrus networksour mobile app. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • □ Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, online or computer mobile transfer or by check check, draft, or similar order to third parties are limited to six (6) per monthstatement cycle. • We do □ Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, online or mobile transfer are limited to six (6) per statement cycle. FEES ATM & Debit Card Fees: □ Park Bank will not charge you to use a Park Bank debit card at an ATM. □ DEBIT CARD RUSH ORDERS: Same Day Production with Overnight Delivery - $116. All rush requests must be submitted by noon central time. You may also opt for direct deposits to any type of accountan instant issue debit card in a branch at no extra charge. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Currency Conversion and Cross-Border Transaction Fees. If you conduct a transaction with your debit card in a currency other than U.S. Dollars, Visa® will convert the charge into a U.S. Dollar amount. The Visa® currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by Visa®. The exchange rate Visa® uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account. In addition, you will be charged a Visa® Foreign Transaction Fee of 1.00% of the transaction amount for each transaction billed from a foreign country. This fee will appear as a separate transaction on your statement with the description "VISA Foreign Transaction Fee." Online Banking/Mobile Banking Fees and Charges. There are no fees imposed by Park Bank for the use of online or mobile banking. Bill Payment Fees and Charges. □ There are no fees imposed by Park Bank for the use of standard Bill Payment services. □ Same Day Bill Payment: $9.95 □ Overnight Check Payment: $14.95 Wireless Carrier Fees. Your wireless carrier may assess message fees, data rates, and other charges when you use your mobile phone. Please refer to your contract with your wireless provider for information about these fees. Other Fees: □ There is no processing charge for direct deposits or pre-authorized payments. □ External Transfers should be conducted through the use of Bill Payment. If you opt to have Park Bank establish an External Transfer for you, an External Transfer Fee of $10.00 per transfer will apply.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account Account and the third party’s partyʼs account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (“ACH”) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an A third party may initiate electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account Account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account Account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized paymentsPayments. You may make arrangements to pay certain recurring bills from your checking or savings account(s)Account. • Electronic check conversionCard. You may authorize a merchant make purchases or other payee transactions using your Card at merchants that have agreed to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay billsaccept the Card. • Electronic returned check chargeATM Withdrawals. You may authorize a merchant make ATM withdrawals using your Card. Transfers to or other payee to initiate an electronic funds from Linked Account You may transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers - types of transfers, dollar limitations and charges - You may access or from your account(s) by ATM using your ATM card and personal identification number or Debit Card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due Account to a pre-authorized hold during linked bank account through the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networksMobile App. Limitations on frequency ETFs There are limitations on the frequency, number and amount of transferstransactions you can make to or from your Account. These limits are different for each type of transaction. For limits that apply to transactions that credit or deposit funds into your Account, please refer to the section titled “Deposits” above. For limits that apply to transactions that debit or withdraw from your Account, please refer to the section titled “Withdrawals” above. These limits are designed to be flexible in order to protect the security and integrity of the service and accounts, including protecting you and all other users of the service. These limitations may be based on confidential fraud and risk criteria that are essential to our management of risk and the protection of you and the integrity of the service and may be modified at our sole discretion without advance notice. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties ● For security reasons, there are other limits on the number of transfers you can make by preauthorizedATM. ● For security reasons, automaticthere are other limits on the number of transfers you can make by Card. ● For security reasons, telephone, or computer transfer there are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type other limits on the number of account. ATM Operator/Network Fees. When transfers you use an ATM not owned by us, you may be charged a fee can make by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer)Mobile App.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers - types of transfers, dollar limitations and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party’s 's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments payment network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and bank information. This information can be found on your check as well as on a pre-printed deposit or withdrawal slip. Thus, you should only provide your bank and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized □ Preauthorize d credits. You may make arrangements arrangeme nts for certain direct deposits (, such as U.S. Treasury (Social Security) Security or some employers (payroll)) , to be accepted into your checking or savings account(s)account(s ) . • Preauthorized □ Preauthorize d payments. You may make arrangements to pay certain recurring bills from your checking or savings account(saccount(s ). • □ Electronic check conversion. You may authorize a merchant authoriz x x xxxxxxxx or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • □ Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient insufficie nt funds. ATM Types and limitations on AT M Transfers - types of transfers, dollar limitations and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card and personal identification numberATM, to: • □ make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to or savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • □ get cash withdrawals from checking and/or or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • □ transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • □ transfer funds from checking to savings account(saccount( s) with an ATM card and/or Types and limitations on Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using You may access your Debit Card: Advisory Against Illegal Usechecking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financi al institution, and do anything that a participating merchant will accept. You agree Some services may not be available at all terminals. For security reasons, daily limits apply to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. NonATM withdrawals and point-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locationsof-sale transactions. In the past transactions event of security breach, fraud attempt, or other emergency, we may reduce, or suspend your ATM or debit card limit without prior notice. We may impose other limits on your debit card usage or on other types of electronic fund transfers in the future to protect your account from fraud. Types of Park Bank At Your Service 24/7 T ransfers - You may access your account by telephone 24 hours a day at 608.283.6868 using the PIN established at account opening, a touch tone phone, and your account numbers, to: □ transfer funds from checking to checking or savings □ transfer funds from savings to checking or savings □ transfer funds from line of credit to checking or savings □ make payment from checking or savings to a loan Types of Online Banking Computer Transfers/ Mobile Banking Transfers - You may access your account(s) by logging onto our website, through the browser on a support ed mobile device or using the app on a supported mobile device to: □ transfer funds from checking to checking, savings, or loan account(s) □ transfer funds from savings to checking , savings, or loan account(s) □ transfer funds from line of credit to checking or savings □ deposit checks into a checking or savings account with a supported mobile device Types of Bill Pay Transfers - You may access your account(s) by logging onto our website, through the browser on a supported mobile device or using the app on a supported mobile device to: □ Use Bill Pay online to add payees and make payments to individua ls or companies to whom you want to send one-time or recurring payments from your checking account. □ Using Bill Pay online will also allow you to: □ transfer funds externally to and from an account you have at other financial institution( s) using the account and routing number (Account-to-account or A2A transfers). □ transfer funds externally to a person using either their mobile phone number, email address or their account and routing number (Person- to- pe rs on or P2P payments). □ Use Bill Pay to make payments to individuals or companies to whom you want to send one-time or recurring payments from your checking account with a supported mobile device once payees have been processed as Visa Debit Card transactions unless you entered a PINestablishe d. For security reasons, daily or monthly limitations may apply to Telephone, Electronic Banking, and Bill Pay transactions. In the futureaddition, if you do may only add a new payee to Bill Pay within Online Banking. This feature is not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction currently available through Bill Pay on the Pulse, Plus, Star, or Cirrus networksour mobile app. Limitations on frequency frequ ency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • □ Transfers from a money market account to another account or to third parties by preauthorizedpreauthoriz ed, automatic, telephone, online or computer mobile transfer or by check check, draft, or similar order to third parties are limited to six (6) per monthstatement cycle. • We do □ Transfers from a savings account to another account or to third parties by preauthoriz ed, automatic, telephone, online or mobile transfer are limited to six (6) per statement cycle. FEES AT M & Debit Card Fees: □ Park Bank will not charge you to use a Park Bank debit card at an ATM. □ DEBIT CARD RUSH ORDERS: Same Day Production with Overnight Delivery - $116. All rush requests must be submitted by noon central time. You may also opt for direct deposits to any type of accountan instant issue debit card in a branch at no extra charge. ATM AT M Operator/Network Fees. When you use an ATM AT M not owned by us, you may be charged a fee by the ATM AT M operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Currency Conversion and Cross-Border Transaction Fees. If you conduct a transaction with your debit card in a currency other than U.S. Dollars, Visa® will convert the charge into a U.S. Dollar amount. The Visa® currency conversion procedure includes use of either a Government-mandated exchange rate, or a wholesale exchange rate selected by Visa®. The exchange rate Visa® uses will be a rate in efect on the day the transaction is processed. This rate may difer from the rate in efect on the date of purchase or the date the transaction was posted to your account. In addition, you will be charged a Visa® Foreign Transaction Fee of 1.00% of the transaction amount for each transaction billed from a foreign country. This fee will appear as a separate transaction on your statement with the description "VISA Foreign Transaction Fee." Online Banking/M obi l e Banking Fees and Charges. There are no fees imposed by Park Bank for the use of online or mobile banking. Bill Payment Fees and Charges. □ There are no fees imposed by Park Bank for the use of standard Bill Payment services. □ Same Day Bill Payment: $9.95 □ Overnig ht Check Payment: $14.95 Wireless Carrier Fees. Your wireless carrier may assess message fees, data rates, and other charges when you use your mobile phone. Please refer to your contract with your wireless provider for information about these fees. Other Fees: □ There is no processing charge for direct deposits or pre-authorized payments. □ External Transfers should be conducted through the use of Bill Payment. If you opt to have Park Bank establish an External Transfer for you, an External Transfer Fee of $10.00 per transfer will apply.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account Account and the third party’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (“ACH”) or other payments networkpayment networks. Your authorization to the third party to make these transfers can may occur in a number of ways. For exampleIn some cases, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a the merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post posts a sign and print the notice on a receipt)informing you of their policy. In all cases, these third party transfers the transactions will require you to provide the third party with your account Account number and bank Credit Union information. This information can be found on your check as well as on a deposit or withdrawal slipchecks. Thus, you You should only provide your bank Credit Union and account Account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: • Preauthorized credits. Pre-authorized credits – You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into your checking or savings account(s)Accounts. • Preauthorized payments. Pre-authorized payments – You may make arrangements to pay certain recurring bills from your checking or savings account(s)Accounts. • Electronic check conversion. conversion – You may authorize provide your check to a merchant or service provider who will scan the check for the encoded Credit Union and Account information. The merchant or service provider will then use this information to convert the transaction into an electronic fund transfer. This may occur at the point of purchase, or when you provide your check by other payee means such as by mail or drop box. • Electronic check conversion by the Credit Union – When you provide a check as payment, you authorize us either to use information from your check to make a one-time electronic payment fund transfer from your checking account using or to process the payment as a check transaction. When we use information from your check to pay for purchases make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment, and you will not receive your check back. A check or pay billselectronic entry may be represented if returned unpaid. • Electronic returned check charge. You charge – The Credit Union and some merchants or service providers may authorize a merchant or other payee to initiate an electronic funds fund transfer to collect a charge in the event a check is returned for insufficient funds. ATM Transfers - types of transfers, dollar limitations and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Debit Card and personal identification number, to: • make deposits to checking account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • make deposits to savings account(s) with an ATM card and/or Debit Card at ATM locations that accept deposits • get cash withdrawals from checking and/or savings account(s) with an ATM card and/or Debit Card - you may withdraw no more than the lesser of (1) the available balance in your selected deposit account plus, where applicable, the amount of credit available under your overdraft protection service with us per business day or (2) the daily cash withdrawal limit established for your Debit Card or (3) the limit(s), if any, imposed by the ATM you access to make such withdrawal • transfer funds from savings to checking account(s) with an ATM card and/or Debit Card • transfer funds from checking to savings account(s) with an ATM card and/or Debit Card • get information about the available account balance of your checking and savings accounts with an ATM card and/or Debit Card Types of Point-of-Sale Transactions: Collection and Overdrafts. When you use your ATM card or Debit Card at an ATM or with a merchant (point-of-sale) to obtain goods or services or cash, the ATM or merchant may obtain a pre-authorization for the transaction. We will also place a hold on your designated checking account in the amount of any ATM card or Debit Card transaction for which we or our agent has given authorization. This hold will not be released until the earlier of (a) three (3) business days or (b) the business day that the authorization transfer is paid by us. Pre-authorization requests may be in amounts different from the total amount of the sales slip. If any of the information provided to us for the pre-authorization does not match the information provided us for the authorized transaction, such as Debit Card number, merchant number, pre-authorization key number or transaction amount, our computer system may not be able to match the authorized transaction with the pre-authorization, and the pre- authorization hold may remain on your account for up to three (3) business days, even if the authorized transaction has actually posted to your account. The amount of your balance will be decreased by the amount of the hold for as long as the hold is in effect. This means that funds on hold will not be available for withdrawal, transfer or payment of your checks, ACH, and other debit items. You agree that we will not be liable to you for wrongful dishonor of any check, Debit Card transaction, ATM card transaction, ACH, transfer, withdrawal or other debit item on your account that is not paid by us or is returned by us unpaid due to a pre-authorized hold during the period of time the hold is in place, even if the authorized transaction has posted to your account. To prevent non-sufficient funds or overdrafts from occurring, you are reminded and agree not to withdraw or write checks against funds that are needed to pay ATM/Debit Card transactions that have not yet posted against your account (such as writing checks or performing other ATM withdrawals or point-of-sale purchase transactions) unless you have sufficient available funds in your account or sufficient funds available under an overdraft protection service associated with your designated checking account. Point-of-Sale Transactions - dollar limitations - Using your Debit Card: Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit (PINless) Transactions. Recently new network processing procedures went into effect that may impact you when you use your Visa Debit Card at certain merchant locations. In the past transactions have been processed as Visa Debit Card transactions unless you entered a PIN. In the future, if you do not enter a PIN, transactions may be processed as either a Visa Debit Card transaction or a transaction on the Pulse, Plus, Star, or Cirrus networks. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: • Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per month. • Transfers from a money market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer or by check or similar order to third parties are limited to six per month. • We do not charge for direct deposits to any type of account. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).