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 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 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 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 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) 000-0000 and Toll Free (866) 913- 3733 using your personal identification number, a touch tone phone, and Base account number, to: • 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 accounts - the last five transactions to checking accounts - the account balance of savings accounts - the last five transactions to savings accounts Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your Your account and the third party’s account. These transfers transfers, to make or receive payment payment, may be one-time occurrences or may recur as directed by youYou. 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 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 You with notice and you 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 You to provide the third party with your Your account number and credit union Credit Union information. This information can be found on your Your check or draft as well as on a deposit or withdrawal slip. Thus, you You should only provide your credit union Your Credit Union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you You have authorized to initiate these electronic fund funds transfers. Examples of these the transfers include, but are not limited to: • Preauthorized credits. Preauthorize Credits - You may make arrangements for certain direct deposits to be accepted into your checking Your share draft or share savings account(s). • Preauthorized payments. Payments - You may make arrangements to pay certain recurring bills from your checking Your share draft or share savings account(s). • Electronic check Check or draft conversion. Draft Conversion - You may authorize a merchant or other payee to make a one-time electronic payment from your Your checking or share draft account using information from your Your check or draft to pay for purchases or pay bills. • Electronic returned check Returned Check or draft charge. 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) 000-0000 and Toll Free (866) 913- 3733 using your personal identification number, a touch tone phone, and Base account number, to: • 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 accounts - the last five transactions to checking accounts - the account balance of savings accounts - the last five transactions to savings accounts Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone 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 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 credit union bank 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 credit union 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 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking Telephone Transfers - types of transfers Information Line - You may access your account by telephone 24 hours a day at (000) 0-000-0000 and Toll Free (866000-0000, self-enrollment in the service is required) 913- 3733 using your personal identification numberaccess code, a touch tone phone, and Base your account numbernumbers, to: • 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: - about the account balance of checking accounts - checking, savings or credit card accounts; you may also use the last five transactions Information Line to checking accounts - the account balance of savings accounts - the last five transactions transfer funds between deposit accounts, subject to savings accounts certain conditions and restrictions. Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers. 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 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 transfers. There is a charge for each withdrawal and for each transfer or balance inquiry made at any ATM not owned or operated by us. Please refer to “Other Fees Schedule” in the Deposit Information brochure for current charges. Note: There may be a surcharge at ATMs housed in locations not owned by us, such as hotels and casinos. A surcharge may apply at other network ATMs (a message will appear on the ATM screen to notify you if the surcharge applies). If you ask us to replace your ATM or Debit Card, you may be charged a replacement card fee based upon the current schedule of service and other fees. Types of Point-of-Sale Transactions: Debit Point-of-Sale - You may access your checking account(s) to purchase goods (in person), pay for services (in person), or get cash from a merchant, if the merchant permits, using your ATM card or Debit Card and personal identification number. Credit Point-of-Sale - You may access your checking account(s) without your personal identification number to purchase goods or services or get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. We require that a merchant obtain our authorization before permitting you to conduct Point-of-Sale transactions. You may not place a stop payment order on any Point-of-Sale or ATM transaction. For this reason, you should inquire about a merchant’s return or refund policy before entering into a Point-of-Sale transaction. 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: • You may not exceed the lesser of (1) daily Visa purchase limit or (2) the available collected balance in your designated checking account plus, where applicable, the amount of credit available under your overdraft protection service. For the daily Visa purchase limit applicable to your debit card, please either refer to the information that accompanied your debit card upon delivery or contact us at the Electronic Banking Services address or phone number applicable as listed herein and in your Debit Card Agreement. Please remember that we may pay such an item presented against non-sufficient funds and create an overdraft and charge a related fee as more fully discussed in that section titled “NON-SUFFICIENT FUNDS AND OVERDRAFTS”. Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions. Currency Conversion and International Transactions. When you use your 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. 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. In either case, we pass this international transaction fee on to you. 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 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. Merchants must provide you with a clear way of choosing to make a Visa Debit Card transaction if they support this option. Please be advised that should you choose to use your Visa Debit Card when making these types of transactions without a PIN, different terms may apply and you may not be eligible for rewards, special sweepstakes entries or other campaigns that are only associated with transactions processed over the Visa network. Certain protections and rights applicable only to Visa Debit Card transactions as described in your cardholder agreement will not apply to the aforementioned transactions processed 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. FEES • We do not charge for direct deposits to any type of account. Except as indicated elsewhere, including our current fee schedule, 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 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 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 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 to (such as U.S. Treasury (Social Security) or some employers (payroll))to be accepted into your checking share draft or savings share account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking share draft or savings share 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) 000-0000 and Toll Free (866) 913- 3733 using your personal identification number, a touch tone phone, and Base account number, to: • 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 accounts - the last five transactions to checking accounts - the account balance of savings accounts - the last five transactions to savings accounts Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone 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 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 credit union bank 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 credit union 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 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) 000-0000 and Toll Free (866) 913- 3733 using your personal identification number, a touch tone phone, and Base your account number, to: • 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 checking account(s) information about: - the account balance of checking accounts - the last five transactions to checking accounts - the account balance of • get savings accounts - the last five transactions to savings accounts account(s) information • get loan account(s) information • receive statement by fax Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers. Online Banking Transfers - types of transfers - You may access your account(s) by computer through the internet by logging onto our website at xxx.XxxxxxxXxxx.xxx and using a login ID and password, to: • 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 downloading the mobile banking app and using your Online Banking login ID and password, to: • 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 With SMS (text banking), you may also: • get checking account(s) information • get savings account(s) information • get loan account(s) information 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 cell phone provider for details on specific fees and charges. Please also see Limitations on frequency of transfers section regarding limitations that apply 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 money market account to another account or to third parties by preauthorized or automatic, telephone, or computer transfer are limited to six per calendar month. If you exceed the transfer limitations set forth above, your account shall be subject to closure. FEES • We do not charge for direct deposits to 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 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 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 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 to be accepted into your checking or share savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) -000-0000 and Toll Free (866) 913- 3733 or 000-000-0000 using your personal identification number, a touch tone phone, and Base your account numbernumbers, to: • transfer funds from checking to share savings • transfer funds from share savings to checking • transfer funds from share savings to share savings • make payments from checking to loan accounts with us • make payments from share savings to loan accounts with us • get information about: - the account balance of checking accounts - the last five current statement cycles transactions (not to checking accounts exceed 30) - the account balance of share savings accounts - the last five current statement cycles transactions (not to exceed 30) ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your Bridge or HSA Debit Card and personal identification number, to: • make deposits to checking or share savings account(s) with a debit card • get cash withdrawals from checking or share savings account(s) with a debit card - you may withdraw no more than $500.00 per business day in combination with point-of-sale transactions • transfer funds from share savings to checking account(s) with a debit card • transfer funds from checking to share savings account(s) with a debit card • get information about: - the account balance of your checking account(s) - the account balance of your share savings accounts Please also see Limitations Some of these services may not be available at all terminals. Types of Bridge or HSA Debit Card Point-of-Sale Transactions - You may access your checking or HSA 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. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $1,500.00 in transactions per day Currency Conversion. If you effect a transaction with your Bridge or HSA Debit 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 a wholesale exchange rate selected by Mastercard. The exchange rate Mastercard uses will be a rate in effect on frequency 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. 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. 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) 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 conjunction with the HSA Agreement provided to you earlier. In the event of a conflict, the terms of the HSA Agreement control. 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 monitor the purpose of any transaction to or 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 use of your HSA. Online Computer Transfers - types of transfers section regarding limitations that apply - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxx.xxx and using your password, user name or multifactor authentication, to: • make deposits (if qualified) • transfer funds from checking to telephone share savings • transfer funds from share savings to checking • transfer funds to another member number’s account preauthorized with us • make payments from checking to loan account(s) with us • make payments from share savings to loan account(s) with us • make Bill Pay payments from checking accounts to third parties • get information about: - the account balance of checking account(s) - the account balance of share savings account(s) Mobile Banking Transfers - types of transfers - You may access your account(s) through the browser on your cell or mobile phone at xxx.xxxxxxxx.xxx, or by downloading our app from the appropriate mobile app store, and using your password, user name or multifactor authentication, to: • transfer funds from checking to share savings • transfer funds from share savings to checking • transfer funds to another member number’s account preauthorized with us • make payments from checking to loan account(s) with us • make payments from share savings to loan account(s) with us • make Bill Pay payments from checking accounts to third parties • deposit checks through our remote deposit service, snapdeposit, through our mobile app • get information about: - the account balance of checking account(s) - the account balance of share savings account(s) FEES • 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 our separate fee schedule for additional information about charges. 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 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 credit union bank 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 credit union 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 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 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) 000-0000 and Toll Free (866) 913- 3733 using your personal identification number, a touch tone phone, and Base your account numbernumbers, to: • transfer funds from checking to savings checking • transfer funds from savings checking to savings/money market • transfer funds from statement savings/money market to checking • transfer funds from savings statement savings/money market to savings savings/money market • make payments from checking to loan accounts with us us, excluding payoff transactions • make payments from savings statement savings/money market to loan accounts with us us, excluding payoff transactions • get information about: - the account balance of checking accounts checking, savings, money market or certificate of deposit account(s) - the last five transactions to checking accounts most recent debits and credits of checking, savings, or money market account(s) - the balance, interest and payment information of your mortgage or consumer loan account balance of savings accounts - the last five transactions to savings accounts Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone 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 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 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 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 to be accepted into your checking or savings account(s). Credit given by us to you with respect to an automated clearinghouse entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making the payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you in the amount of such entry. • 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. Please also see Limitations on frequency • Notice of transfers section regarding limitations that apply Receipt of Entry. Under the operating rules of the National Automated Clearing House Association, which are applicable to savings accountsautomated clearing house transactions involving your account, we are not required to give next day notice to you in receipt of an automated clearing house item and we will not do so. Direct Touch Banking However, we will continue to notify you of the receipt of payments in the periodic statement we provide to you. HUTCH•LINE Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at 0-000-000-0000 or (000) 000-0000 and Toll Free (866) 913- 3733 using your personal identification number, a touch tone phone, and Base your account numbernumbers, to: • transfer funds from checking to savings • transfer funds from savings to checking or savings • transfer funds from savings Overdraft Protection, VISA® credit card or Express line of credit to checking or savings • make payments from checking to loan accounts with us • make payments from or savings to loan accounts or VISA® credit card with us • get information about: - the account balance of checking, savings, loan, or VISA® credit card accounts - transactions from checking accounts - the last five deposit to savings accounts - transactions from savings accounts - history of loans or VISA® credit card accounts ATM Transfers - types of transfers and frequency and dollar limitations - You may access your account(s) by ATM using your VISA® Debit Card and personal identification number, to: • make deposits to checking accounts or savings account(s) - up to $300.00 is made available immediately (except limited account types), the amount of the remaining deposit within 48 business hours • get cash withdrawals from checking or savings account(s) - you may make no more than a total of 10 withdrawals per 24 hours - you may withdraw no more than a total of $500.00 per 24 hours - the minimum you may withdraw is $5.00 • transfer funds from savings to checking account(s) - the minimum you may transfer is $5.00 • transfer funds from checking to savings account(s) - the minimum you may transfer is $5.00 • get information about: - the account balance of your checking or savings accounts accounts. Some of these services may not be available at all terminals. Types of VISA® Debit Card Transactions - Your VISA® Debit Card may be used anywhere VISA® debit cards are accepted. You may access your checking account(s) to purchase goods, pay for services, and get cash from a merchant, if the last five transactions to savings accounts Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfersmerchant permits, or from a participating financial institution.

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 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 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 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) 000-0000 and Toll Free (866000) 913- 3733 000-0000 using your personal identification number, a touch tone phone, and Base account number, to: • 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 accounts - the last five transactions to checking accounts - the account balance of savings accounts - the last five transactions to savings accounts Please also ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your Visa® Debit Card and personal identification number or Sunny ATM Card and personal identification number, to: • make deposits to checking account(s) with an ATM card • make deposits to checking account(s) with a debit card • make deposits to savings account(s) with an ATM card • make deposits to savings account(s) with a debit card • get cash withdrawals from checking account(s) with an ATM card • get cash withdrawals from checking account(s) with debit card - you may withdraw no more than $500.00 per day - see Limitations separate fee schedule for fees and charges • get cash withdrawals from savings account(s) with an ATM card • get cash withdrawals from savings account(s) with debit card - you may withdraw no more than $500.00 per day - see separate fee schedule for fees and charges • transfer funds from savings to checking account(s) with an ATM 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 • transfer funds from checking to savings account(s) with a debit card • get information about: - the account balance of your checking account(s) • with an ATM card • with a debit card • see separate fee schedule for fees and charges - the account balance of your savings accounts • with an ATM card • with a debit card • see separate fee schedule for fees and charges Some of these services may not be available at all terminals. For security reasons, there are other limits on frequency the number of transfers section regarding you can make by ATM. Types of Visa® Debit Card Point-of-Sale Transactions - You may access your checking or savings 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. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $5,000.00 in transactions per day (cash withdrawals) Currency Conversion and International Transactions. When you use your Visa® Debit Card at a merchant that apply settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to telephone transfersdetermine 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 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the issuer of the card used is not located in the transaction country. This means an international transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is an international transaction even though made while you are physically in the United States. 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 Transaction Processing. We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit card on a PIN-Debit Network* (a non-Visa network) without using a PIN. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional 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. Online Banking Computer Transfers - types of transfers and dollar limitations - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxx.xxx and using user ID and password, to: • transfer funds from checking to checking - you may transfer no more than your available balance • transfer funds from checking to savings - you may transfer no more than your available balance • transfer funds from savings to checking - you may transfer no more than your available balance • transfer funds from savings to savings - you may transfer no more than your available balance • 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 (Online Payment) • make payments from savings to loan account(s) with us • make payments from savings to third parties (Online Payment) • get information about: - the account balance of checking account(s) - the account balance of savings account(s) - account history • view online check images EXPEDITED PAYMENT SERVICE (Online Payment) Description of Service: Expedited Payment Services are made available via MIDFLORIDA Bill Pay. The available services shall include: • make electronic payments from a checking account • make paper check (“direct check” disbursement process) payments from a checking account We shall make available via the MIDFLORIDA Bill Pay any of the Expedited Payment services so requested by you, and where the capability exists to provide a payment that is faster than would otherwise be available based on standard bill payment capabilities as configured by us. All Expedited Payment Service payments will be initiated in an expedited manner. You will receive an explicit delivery expectation for every payment. For electronic transactions, delivery time may be same-day, next-day or later depending upon the time of day, the payee capabilities, and other factors. For Expedited Payment Service overnight checks, payments initiated prior to the daily cutoff time will be delivered by the next business day.

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 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 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking Tellerphone Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) 000-0000 and Toll Free (866) 913- 3733 using your personal identification number, a touch tone phone, and Base your account numbernumbers, to: • transfer funds from checking share draft to share savings • transfer funds from share savings to checking share draft • transfer funds from share savings to share savings • transfer funds from line of credit to share draft • make payments from checking share draft to loan accounts with us • make payments from share savings to loan accounts with us • get information about: - the account balance of checking accounts - the last five transactions to checking share draft accounts - the account balance of share savings accounts ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your ATM card and personal identification number or VISA® Check Card and personal identification number, to: • make deposits to share draft account(s) • make deposits to share savings account(s) • get cash withdrawals from share draft account(s) - you may withdraw no more than $500.00 per day • get cash withdrawals from share savings account(s) - you may withdraw no more than $500.00 per day • 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 to us, only at ATMs we own or operate • get information about: - the account balance of your share draft accounts - the account balance of your share savings accounts Some of these services may not be available at all terminals. Types of ATM Card 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. Point-of-Sale Transactions - dollar limitations - Using your card: • 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. 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 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 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 1% International Service Assessment on all international transactions regardless of whether there is a currency conversion. We pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA. Non-Visa Debit Transaction Processing. We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit card on a PIN-Debit Network* (a non-Visa network) without using a PIN. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional 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. Prohibition of Online Gambling Transactions. You may not use your credit/debit card to purchase any form of gambling services over the Internet. 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 that 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, giving the credit union the rights set forth herein. Visa Account Updater Notice of Right to Opt Out. Your Visa Debit Card will be automatically enrolled in the free Visa® Account Updater (VAU) service. With VAU, your account files will be updated when information changes because of a product upgrade, card expiration, loss or theft, account closure or other changes. A participating merchant can access that updated card information before requesting a payment. Since not all merchants participate, you should also contact the merchants directly if your card information changes. You are entitled to opt out of this service. You may opt out at any time. If you want to opt out, phone us at 000-000-0000, or email us at xxxxxxxxxxxx@xxxxxxxxxx.xxx. You must include your name and last four digits of your card number. If you opt out, you may opt back in if you decide you want the Visa Account Updater service in the future. You may opt in the same way(s) that you can opt out. Home Banking Computer Transfers - types of transfers and charges - You may access your account(s) by computer at xxx.xxxxxxxxxx.xxx and using your personal identification number, user name, 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 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 $25.00 • make payments from share savings to loan account(s) with us • send money to another individual’s account with XxxXxxxx - PopMoney send/request standard fee .............................................................................................................................................................................................................$.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 - the last five transactions to previous withdrawals from share savings accounts Please also see Limitations on frequency Mobile Banking Transfers - types of transfers section regarding limitations that apply - 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 telephone 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 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 $25.00 • make payments from share savings to loan account(s) with us • send money to another individual’s account with XxxXxxxx - PopMoney send/request standard fee .............................................................................................................................................................................................................$.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 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 cell phone provider for details on specific fees and charges. FEES • 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).

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 or draft to an electronic fund transfer EFT 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 These third-party transfers will may require you to provide the third party with your account number and credit union Card information, Account number, and/or bank routing information. This information can be found on your check or draft Check as well as on a deposit or withdrawal slip. Thus, you should only provide your credit union 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 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 or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment EFT from your checking or share draft account Account using information from your check or draft to pay for purchases or pay billsCheck. • Electronic returned check or draft 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 or draft Check is returned for insufficient funds. Please also see Limitations on frequency of transfers section regarding limitations that apply When information from your Check is used to savings accounts. Direct Touch Banking Telephone Transfers - types of transfers - You make an EFT, funds may access be withdrawn from your account by telephone 24 hours a Account as soon as the same day at (000) 000-0000 and Toll Free (866) 913- 3733 using you make your personal identification number, a touch tone phone, and Base account number, to: • 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 accounts - the last five transactions to checking accounts - the account balance of savings accounts - the last five transactions to savings accounts Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transferspayment.

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 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 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 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking Access 24 Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) 000-0000 and Toll Free (866) 913- 3733 or toll-free 888-729- 6728 using your personal identification numbersecurity code, a touch tone phone, and Base your account numbernumbers, to: • transfer funds from checking to checking or savings • transfer funds from savings to checking or savings • transfer funds from savings line of credit to checking or savings • make payments from checking to loan accounts with us • make payments from or savings to loan accounts with us • get information about: - the account balance of checking or savings accounts - the last five transactions two deposits to checking or savings accounts - the last two withdrawals from checking or savings accounts Your Option to Limit Cash Withdrawals - In addition to dollar amount limitations for withdrawals using your ATM card or Mastercard® Debit Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM card or Mastercard Debit Card and/or code to $50.00 per day or some other amount acceptable to us. ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your ATM card and personal identification number or your Mastercard Debit Card and personal identification number, to: • make deposits to your checking or savings account(s) • get cash withdrawals from checking or savings account(s) (see “Your Ability to Withdraw Funds”) - you may withdraw no more than $1,005.00 per day ($205.00 when off-line) in combination with point-of-sale • transfer funds from savings to checking account(s) • transfer funds from checking to savings account(s) • get information about: - the account balance of your checking or savings accounts Some of these services may not be available at all terminals. Types of ATM Card Point-of-Sale Transactions - You may access your checking account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the last five merchant permits, or from a participating financial institution. Point-of-Sale Transactions - dollar limitations - Using your ATM card: • you may not exceed $375.00 in transactions per day ($100.00 when off-line) in combination with ATM transactions Types of Mastercard Debit Card Point-of-Sale Transactions - You may access your checking account(s) to savings accounts Please also see Limitations 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. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $4,000.00 (or lower, depending on frequency your individual no-bounce limit) in transactions per day ($375.00 cash advance at participating financial institutions when online or $100.00 when off-line) in combination with ATM transactions Currency Conversion and Cross-Border Transaction Fees. If you initiate a transaction with your Mastercard Debit Card in a currency other than US Dollars, Mastercard will convert the charge into a US Dollar amount. The Mastercard currency conversion procedure is based on rates observed in the wholesale market or, where applicable, on government-mandated rates. The currency conversion rate Mastercard generally uses is the rate for the applicable currency that is in effect on the day the transaction occurred. However, in limited situations, particularly where Mastercard transaction processing is being delayed, Mastercard may instead use the rate for the applicable currency in effect on the day the transaction is processed. Mastercard charges us a Currency Conversion Assessment of transfers section regarding limitations 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, Mastercard charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction that apply to telephone transfersoccurs at a card acceptance location in a different country from the country in which the card was issued. This means a cross-border transaction can occur even though the transaction is made when you are not in a foreign country. For example, a transaction made online with a foreign merchant is a cross-border transaction even though made while you are physically in the United States. See current fee schedule for assessment amounts (a percentage of the charge made).

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 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 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 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Telephone Banking Telephone Transfers - types of transfers transactions - You may access your account by telephone 24 hours a day at (000) 000-0000 and Toll Free (866) 913- 3733 866.873.4968 using your personal identification number, a touch tone phone, and Base your account numbernumbers, 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 • transfer funds from line of credit to checking • transfer funds from line of credit to savings • make payments from checking to loan accounts with us • make payments from savings to loan accounts with us • place a stop payment on a check • get information about: - the account balance of checking accounts - the last five transactions 90 days deposits to checking accounts - the last 90 days withdrawals from checking accounts - the account balance of savings accounts - the last five transactions 90 days deposits to savings accounts Please also see Limitations - the last 90 days withdrawals from savings accounts ATM Transfers - types of transfers, dollar limitations and charges - You may access your account(s) by ATM using your Mastercard® Debit/ATM Card and personal identification number, to: • make deposits to checking account(s) (only at BluPeak or CO-OP ATMs that accept deposits) • make deposits to savings account(s) (only at BluPeak or CO-OP ATMs that accept deposits) • get cash withdrawals from checking, savings or line of credit account(s) - you may withdraw no more than $810.00 per 24 hour period • transfer funds from savings to checking account(s) • transfer funds from checking to savings account(s) • transfer funds from line of credit to checking or savings account(s) • transfer funds from checking or savings to line of credit account(s) • get information about: - the account balance of your checking account(s) - the account balance of your savings accounts If using an ATM card and personal identification number, services are limited to savings only. You may access your account(s) by ATM using your ATM card and personal identification number to: • make deposits to savings account(s) (only at BluPeak or CO-OP ATMs that accept deposits) • get cash withdrawals from savings - you may withdraw no more than $610.00 per 24 hour period Some of these services may not be available at all terminals. Types of Mastercard® Debit/ATM Card Point-of-Sale Transactions - 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, or do anything that a participating merchant will accept. Point-of-Sale and Signature-Based Transactions - dollar limitations - Using your card: • you may not exceed $1,510.00 in PIN based transactions (POS and ATM combined) per 24 hour period with the Mastercard® Debit/ATM Card and $5,000.00 in signature based transactions per 24 hour period with the Mastercard® Debit/ATM Card, as long as your available balance will cover the transaction. Your available balance includes any amounts available in your overdraft accounts. Debit/ATM Card Withdrawals. Use of the Mastercard® Debit/ATM Card (“Card”) by you (or by anyone else to whom you give the Card or card information) or the account number on frequency the Card, the PIN, or any combination of transfers section regarding limitations the three for payments or purchases or to obtain cash advances with merchants, financial institutions, or others who honor the Card is an order by you for the withdrawal of funds from your account. Each Card withdrawal will be charged to your account. We may post withdrawals to accounts in any order we determine, and if funds are not sufficient to cover all withdrawals, we may pay Card withdrawals and dishonor checks written off of the account. You promise to reimburse us immediately for the amount of any Card withdrawal that apply we honor that cannot be paid out of the account (or through an overdraft or courtesy clearing). We will not honor stop payments on Card withdrawals. Person Identification Number (PIN). Certain transactions will require the use of a PIN to telephone transfersbe used in conjunction with the Card. This number will be issued to you shortly after you receive your Card. This number should be memorized. If you forget your PIN, contact us and we will issue you a new one. You are responsible for the safekeeping of your PIN. If you disclose your PIN to anyone, you understand and agree that you have given them access to your account and that you are responsible for any such transactions. You agree that you will not write your PIN on your card or otherwise make it available to anyone else. If your Card is lost or stolen with the PIN number, your Card privileges may be permanently revoked. Surrender of Card(s). All Cards remain the property of BluPeak Credit Union. We may cancel, modify, and restrict the use of any Card with or without notice (for example if we feel it is necessary for the security of the account). You agree to immediately surrender any Cards issued on your accounts to us upon our request. Refusal to Honor Card: Even though your account balance may be sufficient to cover a requested Card withdrawal, you recognize that merchants, financial institutions, electronic terminals, and others who accept the Card, or the account number on the Card, may not be liable for the refusal or the inability of such persons or terminals to honor the Card or complete a Card withdrawal, or for their retention of the Card.

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 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 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 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking TAP System Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) 000-0000 and Toll Free (866) 913- 3733 or 0-000-000-0000 using your personal identification number, a touch tone phone, and Base your account numbernumbers, 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 account balance of savings account(s) ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your ATM/debit card and personal identification number (PIN), to: • get cash withdrawals from checking account(s) with an ATM/debit card - you may withdraw no more than $500.00 per day • get cash withdrawals from savings account(s) with an ATM/debit card - you may withdraw no more than $500.00 per day • transfer funds from savings to checking account(s) with an ATM/debit card • transfer funds from checking to savings account(s) with an ATM/debit card • get information about: - the account balance of your checking account(s) • with an ATM/debit card - the account balance of your savings account(s) • with an ATM/debit card Some of these services may not be available at all terminals. Types of Debit Card Transactions - 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. Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction with your Debit 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 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. Mastercard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, Mastercard charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of .9%. The Cross-Border Transaction fee is charged 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 which the country of the merchant is different than the country of the cardholder. 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. Home Branch Computer Transfers - types of transfers - You may access your account(s) by computer at xxx.x0xxx.xxx and 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 checking to third parties with Bill Pay • make payments from savings to loan accounts with us • make payments from savings to third parties with Bill Pay • get information about: - the account balance of checking accounts - the last five 90 days or 300 transactions deposits to checking accounts - the last 90 days or 300 transactions withdrawals from checking accounts - the account balance of savings accounts - the last five 90 days or 300 transactions deposits to savings accounts Please also see Limitations on frequency - the last 90 days or 300 transactions withdrawals from savings accounts FEES • We do not charge for direct deposits to any type of transfers section regarding limitations that apply to telephone 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 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 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 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 includetransfers, by and for account owners, include but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or share savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking 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. Please also see Limitations Online Xxxx Pay - Online xxxx payments will be debited from the “Pay From Account” on frequency of transfers section regarding limitations that apply to savings accountsthe “Draft Date” and will show as an ACH transaction on your account. Direct Touch Banking Audio Response Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) 000704-0000 and Toll Free (866) 913- 3733 636-0643 or 1-800-889-2393 using your personal identification number, a touch tone phone, and Base your account numbernumbers, to: • transfer funds from checking to checking • transfer funds from checking to share savings • transfer funds from share savings to checking • transfer funds from share savings to share savings • transfer funds from line of credit to checking • transfer funds from line of credit to share savings • make payments from checking to loan accounts with us • make payments from share savings to loan accounts with us • get information about: - the account balance of checking accounts - the last five transactions deposits to checking accounts - the account balance of share savings accounts - the last five transactions deposits to share savings accounts Please also see Limitations - withdrawals from share savings accounts - dividend rates and dividends earned year to date - checks cleared by number ATM Transfers - PLUS or STAR Networks - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Visa® Check Debit Card and personal identification number, to: • get cash withdrawals from checking account(s) with an ATM card - you may withdraw no more than $500.00 per day per card on frequency the account - there is a charge of transfers section regarding limitations $2.00 per withdrawal over four per month • get cash withdrawals from checking account(s) with a debit card - you may withdraw no more than $500.00 per day per card on the account - there is a charge of $2.00 per withdrawal over four per month • get cash withdrawals from share savings account(s) with an ATM card - you may withdraw no more than $500.00 per day per card on the account - there is a charge of $2.00 per withdrawal over four per month • get cash withdrawals from share savings account(s) with a debit card - you may withdraw no more than $500.00 per day per card on the account - there is a charge of $2.00 per withdrawal over four per month • transfer funds from share savings to checking account(s) with an ATM card • transfer funds from share savings to checking account(s) with a debit card • transfer funds from checking to share savings account(s) with an ATM card • transfer funds from checking to share savings account(s) with a debit card • get information about: - the account balance of your checking account(s) • with an ATM card • with a debit card - the account balance of your share savings account(s) • with an ATM card • with a debit card Some of these services may not be available at all terminals. Types of ATM Card Point-of-Sale Transactions - You may access your checking 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. Types of Visa® Check Card Point-of-Sale Transactions - 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 apply to telephone transfersa participating merchant will accept.

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 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 credit union financial institution 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 credit union 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 to be accepted into your checking share draft, share or savings account(s)IRA, Christmas Club. • · Preauthorized payments. payments - You may make arrangements to pay certain recurring bills from your checking share draft or savings account(sshare. Password/Personal Identification Number (PIN). • Electronic check You cannot use ATMs, Audio Response Service or draft conversionWeb Banking without an identification number, which we refer to as a PIN. You may authorize a merchant or other payee to make a one-time electronic payment from are responsible for the safekeeping of your checking or share draft account using information from your check or draft to pay PINs and for purchases or pay bills. • Electronic returned check or draft chargeall transactions made by use of the PINs. You may authorize a merchant or will notify us immediately and send written confirmation if any of your PINs are disclosed to anyone other payee than the joint owner of your account. If you disclose any of your PINs to initiate an anyone, you must understand that you have given them access to your account via the electronic funds transfer to collect a charge in the event a check or draft is returned system you are accessing and that you are responsible for insufficient fundsany such transactions. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking Telephone Transfers - types of transfers Audio Response Service transactions - You may access your account by telephone 24 hours a day using your account number(s), password/personal identification number (PIN) and touch tone phone to: · transfer funds from Share, Share Draft to Share, Share Draft · make payments from Share, Share Draft to Loan · get balance information about share draft, share, certificate of deposit, line of credit or IRA, Christmas Club · get withdrawal history about share draft, share, certificate of deposit or line of credit · get deposit history about share draft or share · get transaction history about share draft, share, certificate of deposit or line of credit You may access your account for telephone transactions at the following number(s) and during the following hours: · (000) 000000)000-0000 (24 hour service) · (000)000-0000 (24 hour service) · (000)000-0000 (24 hour service) Oakdale Credit Union ATM Card transactions - types of transactions - You may access your account(s) by ATM at Networks: Visa, Plus, Shazam, MasterCard, American Express, Cirrus, Quest and Toll Free (866) 913- 3733 Privileged Status. May be used at any Oakdale Credit Union owned ATM's. using your Oakdale Credit Union ATM Card and your personal identification number, a touch tone phone, and Base account number, number (PIN) to: • · deposit funds to Share, Share Draft · withdraw cash from Share, Share Draft · transfer funds from checking Share, Share Draft to savings • Share, Share Draft · get balance information about Share, Share Draft Some of these services may not be available at all terminals. Oakdale Credit Union Debit Card ATM transactions - types of transactions - You may access your account(s) by ATM at Networks: Visa, Plus, Shazam, MasterCard, American Express, Cirrus, Quest and Privileged Status. May be used at any Oakdale Credit Union owned ATM's. using your Oakdale Credit Union Debit Card and your personal identification number (PIN) (as applicable) to: · deposit funds to Share, Share Draft · withdraw cash from Share, Share Draft · transfer funds from savings Share, Share Draft to checking • Share, Share Draft · get balance information about Share, Share Draft Some of these services may not be available at all terminals. Oakdale Credit Union Debit Card point-of-sale transactions - types of transactions - You may access your share draft account(s) using your Oakdale Credit Union Debit Card to do transactions that participating merchants will accept, including: · purchase goods in person, by phone, or online · pay for services in person, by phone, or online · Receive cash from a participating merchant with the use of a PIN. 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 Oakdale Credit Union Debit 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. Web Banking/Mobile Banking - You may access your account on our website at xxx.xxxxxxxxx.xxxx or mobile banking at xxx.xxxxxxxxx.xxxx and use your User Id and Password to: · transfer funds from savings Share, Share Draft to savings • Share, Share Draft · make payments from checking Share, Share Draft to loan accounts with us • Loan (Some payments made by paper check or draft will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately.) · get balance information about certificate of deposit, line of credit or Share, Share Draft, IRA, Christmas Club · get withdrawal history about certificate of deposit, line of credit or Share, Share Draft, IRA, Christmas Club · get deposit history about certificate of deposit, line of credit or Share, Share Draft, IRA, Christmas Club · get transaction history about certificate of deposit, line of credit or Share, Share Draft, IRA, Christmas Club **Some options may not be available through Mobile Banking** Bill Pay - You may access this service by computer at xxx.xxxxxxxxx.xxxx and using your User Id and Password. You may access this service to: · make payments from savings your Share Draft account(s) to loan accounts with us • get Utilities, Loans, Credit Card Payments and other acceptable merchants or third parties (Some payments made by paper check or draft will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately.) Limits and fees - Please refer to our fee disclosure for information about: about fees and limitations that may apply to 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 account ATM operator or any network used (and you may be charged a fee for a balance of checking accounts - the last five transactions to checking accounts - the account balance of savings accounts - the last five transactions to savings accounts Please also see inquiry even if you do not complete a fund transfer). Limitations on frequency of transfers section regarding - In addition to those limitations that on transfers elsewhere described, if any, the following limitations apply to your account(s): During any calendar month, 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 transfersorder or instruction, or by check, draft, debit card or similar order to a third party. If you exceed the transfer limitations set forth above 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 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 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 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 includetransfers, by and for account owners, include but are not limited to: • Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your checking or share savings account(s). • Preauthorized payments. You may make arrangements to pay certain recurring bills from your checking 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. Please also see Limitations Online Bill Pay - Online bill payments will be debited from the “Pay From Account” on frequency of transfers section regarding limitations that apply to savings accountsthe “Draft Date” and will show as an ACH transaction on your account. Direct Touch Banking Audio Response Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) -000-0000 and Toll Free (866) 913- 3733 or 0-000-000-0000 using your personal identification number, a touch tone phone, and Base your account numbernumbers, to: • transfer funds from checking to checking • transfer funds from checking to share savings • transfer funds from share savings to checking • transfer funds from share savings to share savings • transfer funds from line of credit to checking • transfer funds from line of credit to share savings • make payments from checking to loan accounts with us • make payments from share savings to loan accounts with us • get information about: - the account balance of checking accounts - the last five transactions deposits to checking accounts - the account balance of share savings accounts - the last five transactions deposits to share savings accounts Please also see Limitations - withdrawals from share savings accounts - dividend rates and dividends earned year to date - checks cleared by number ATM Transfers - PLUS or STAR Networks - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or Visa® Check Debit Card and personal identification number, to: • get cash withdrawals from checking account(s) with an ATM card - you may withdraw no more than $500.00 per day per card on frequency the account - there is a charge of transfers section regarding limitations $2.00 per withdrawal over four per month • get cash withdrawals from checking account(s) with a debit card - you may withdraw no more than $500.00 per day per card on the account - there is a charge of $2.00 per withdrawal over four per month • get cash withdrawals from share savings account(s) with an ATM card - you may withdraw no more than $500.00 per day per card on the account - there is a charge of $2.00 per withdrawal over four per month • get cash withdrawals from share savings account(s) with a debit card - you may withdraw no more than $500.00 per day per card on the account - there is a charge of $2.00 per withdrawal over four per month • transfer funds from share savings to checking account(s) with an ATM card • transfer funds from share savings to checking account(s) with a debit card • transfer funds from checking to share savings account(s) with an ATM card • transfer funds from checking to share savings account(s) with a debit card • get information about: - the account balance of your checking account(s) • with an ATM card • with a debit card - the account balance of your share savings account(s) • with an ATM card • with a debit card Some of these services may not be available at all terminals. Types of ATM Card Point-of-Sale Transactions - You may access your checking 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. Types of Visa® Check Card Point-of-Sale Transactions - 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 apply to telephone transfersa participating merchant will accept.

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 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 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking My 24-Hour Teller Telephone Transfers - – types of transfers - – You may access your account by telephone 24 hours a day at (000) 000-0000 and Toll Free or (866000) 913- 3733 000-0000 using your personal identification number, a touch tone phone, and Base your account numbernumbers, to: • · transfer funds from checking share draft to share draft or share savings • · transfer funds from share savings to checking • transfer funds from share draft or share savings to savings • · make payments from checking to loan accounts with us • make payments from share draft or share savings to loan accounts with us • · get information about: - o the account balance of checking share draft or share savings accounts - o the last five transactions deposits to checking 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. ATM/Debit Card Transfers – types of transfers and dollar limitations – You may access your account(s) by ATM using your ATM/debit card and personal identification number to: · 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 last five 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) · Currency Conversion. When you use your 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. P/C Access Computer Transfers – types of transfers – You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxx.xxx and using your account numbers and your 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 payments from share draft or share savings to loan account(s) with us · get information about: o the account balance of share draft or share savings account(s) o deposits to share draft or share savings account o withdrawals from share draft or share savings accounts FEES · 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 also refer to our separate fee schedule for additional information about fees. 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). see Limitations on frequency fee schedule DOCUMENTATION · Terminal transfers. You can get a receipt at the time you make 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 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 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 section regarding limitations that apply to telephone transfersin a particular month. In any case, you will get a 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 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 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 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 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. Please also see Limitations TRANSFER LIMITATIONS There is no limit on frequency the number of transfers section regarding limitations that apply from your savings account or your MMSA if they are made in person, by Automatic Teller, or by mail, or if they are made to savings accountsmake monthly payments on PFCU loans, to have funds mailed directly to you, or as a distribution of your Direct Deposit. Direct Touch Banking Telephone Transfers - Federal regulations limit the number of certain types of transfers - and/or withdrawals you can make from your savings account and your MMSA to six per calendar month. The types of transfers that are limited are those requested by fax, telephone, Internet, and pre-authorized transfers. FEES • 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 Periodic statements: You may access will receive a monthly statement if you have a checking account or if you have ACH deposits, withdrawals or payments coming from an account. Otherwise you will receive a quarterly statement. If you are receiving a quarterly statement, but would like to receive a monthly statement, please contact the credit union. We can set you up to always receive a monthly statement. Fees and charges: The fee to receive a monthly statement from a quarterly is listed in our separate fee schedule. PREAUTHORIZED PAYMENTS • Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account by telephone 24 hours a day account, you can stop any of these payments. Here is how: Call us at (000) 000- 000-0000 or write us at the address listed at the end of this notice in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and Toll Free get it to us within 14 days after you call. We will charge you a fee for each stop-payment order you give. See separate fee schedule. • 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. (866You may choose instead to get 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.) 913- 3733 using your personal identification number, a touch tone phone• Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and Base account numberwe do not do so, to: • 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 accounts - the last five transactions to checking accounts - the account balance of savings accounts - the last five transactions to savings accounts Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transferswe will be liable for your losses or damages.

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 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 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 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. Please also see Limitations on ATM Transfers - types of transfers, frequency of transfers section regarding limitations that apply and dollar 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, to: • make deposits to checking account(s) • make deposits to savings accountsaccount(s) • get cash withdrawals from checking 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 - you may withdraw no more than $805.00 per day with an ATM Card in combination with POS transactions • get cash withdrawals from checking and savings account(s) with a debit card - you may withdraw no more than $805.00 per day • transfer funds from savings to checking account(s) • transfer funds from checking to savings account(s) • get information about: - the account balance of your checking account(s) - the account balance of your savings account(s) Some of these services may not be available at all terminals. Direct Touch Types of ATM Card Point-of-Sale 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 do anything that a participating merchant will accept. Point-of-Sale Transactions - frequency and dollar limitations - Using your card: • you may not exceed $805.00 in combination of ATM and POS transactions per day Types of VISA Debit Card Point-of-Sale Transactions - 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. Point-of-Sale Transactions - dollar limitations - Using your card: • you may not exceed $2,500.00 in POS transactions per day Please see your Check Card Agreement & Disclosure Statement for additional information relating to the use of your Debit Card. Online Banking Telephone Computer Transfers - types of transfers - You may access your account account(s) by telephone 24 hours a day computer through the internet by logging onto our website at (000) 000-0000 xxx.xxx000xxx.xxx and Toll Free (866) 913- 3733 using your personal identification number, a touch tone phone, user name and Base account numberpassword, 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 account(s) with us • make payments from checking to third parties (Electronic Bill Payment) • make payments from savings to loan accounts account(s) with us • get information about: - the account balance of checking accounts - the last five transactions to checking accounts account(s) - the account balance of savings accounts 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, 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 account(s) with us • make payments from checking to third parties (Electronic Bill Payment) • make payments from savings to loan account(s) with us • get information about: - the last five transactions account balance of checking account(s) - the account balance of savings account(s) - loan account balances FEES • We do not charge for direct deposits to savings accounts Please also see Limitations on frequency any type of transfers section regarding limitations that apply to telephone 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 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 credit union bank 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 credit union 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 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 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 •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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Columbia On-Call Telephone Banking Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (0-000) -000-0000 and Toll Free (866) 913- 3733 using your personal identification number, a touch tone phone, number and Base your account numbernumbers, to: • transfer •transfer funds from checking to checking •transfer funds from checking to savings • transfer •transfer funds from savings to checking • transfer •transfer funds from savings to savings • make •make payments from checking to loan accounts with us • make •make payments from savings to loan accounts with us • get •get information about: - the -the account balance of checking accounts - the account(s) -the last five transactions deposits to checking accounts - the -the last five withdrawals from checking accounts -the account balance of savings accounts - the account(s) -the last five transactions deposits to savings accounts Please also see Limitations -the last five withdrawals from savings accounts ATM Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your Columbia Cash Card and personal identification number or Columbia VISA® Debit Card and personal identification number, to: •make deposits to checking account(s) •make deposits to savings account(s) •get cash withdrawals from checking account(s) -you may withdraw no more than $600.00 or your available balance, whichever is less, per day -see the Services & 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 Services & Fees Schedule for applicable charges •transfer funds from savings to checking account(s) •transfer funds from checking to savings account(s) •get information about: -the account balance of your checking account(s) -the account balance of your savings account(s) Some of these services may not be available at all terminals. Types of Columbia VISA® Debit Card Point-of-Sale Transactions - 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. Point-of-Sale Transactions - dollar limitations - Using your card: •Non-VISA Debit Purchases $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 frequency 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 transfers section regarding limitations a payment card logo by, for example, an online merchant does not necessarily mean that apply to telephone transferstransactions are lawful in all jurisdictions in which the cardholder may be located.

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 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 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 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. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Direct Touch Banking CCESS Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day at (000) 000-0000 and Toll Free (866) 913- 3733 using your personal identification number, a touch tone phone, and Base your account numbernumbers, to: • transfer funds from checking share draft to share savings • transfer funds from share savings to checking share draft • transfer funds from savings line of credit to share draft or share savings • make payments from checking to loan accounts with us • make payments from share draft or share savings to loan accounts with us • get information about: - the account balance of checking share draft or share savings accounts TM Transfers - the last five transactions Credit Union 24, Publix Presto, PLUS, and ExpressCash ( merican Express) Networks - types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM/Debit card and personal identification number, to: • make deposits to checking accounts share draft or share savings account(s) • get cash withdrawals from share draft or share savings account(s) - you may withdraw no more than $755.00 per day - there is a charge per withdrawal at ATMs we do not own or operate (refer to separate fee schedule) • transfer funds from share savings to share draft account(s) • transfer funds from share draft to share savings account(s) • transfer funds from line of credit to share draft or share savings account(s) • get information about: - the account balance of your share draft or share savings accounts account(s) Some of these services may not be available at all terminals. Types of Debit Card Point-of-Sale Transactions - You may access your share draft account(s) to purchase goods (in person, online, or by phone), pay for service (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 card: • you may not exceed $2,250.00 in transactions per day. Currency Conversion and International Transactions. When you use your 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 rates3 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. In either case, we pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA. dvisory gainst 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 Transaction Processing. We have enabled non- Visa debit transaction processing. This means you may use your Visa- branded debit card on a PIN-Debit Network* (a non-Visa network) without using a PIN. The non-Visa debit network(s) for which such transactions are enabled are: PULSE Network. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit card 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 xxxxxx (possibly via telephone, Internet, or kiosk 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. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional 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. PC Home Banking Computer Transfers - types of transfers - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxx.xxxx and using your personal identification number and your member number, to: • transfer funds between share draft and share savings • make payments from share draft to third parties • get information about: - the last five transactions account balance of share draft or share savings account(s) FEES • 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. TM 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). DOCUMENT TION • Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-of-sale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less. • Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 0 days from the same person or company, you can call us at (000) 000-0000 to find out whether or not the deposit has been made. • Periodic statements. You will get a monthly account statement from us for your share draft accounts. You will get a monthly account statement from us for your share savings accounts accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. PRE UTHORIZED P YMENTS • Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call or write us at the telephone number or address listed in this brochure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If 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 also see Limitations refer to our separate fee schedule for the amount we will charge you for each stop payment 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 may choose instead to get 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 failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. FIN NCI L INSTITUTION’S LI BILITY Liability for failure to make transfers. If we do not complete a transfer to or from your account on frequency of transfers section regarding limitations that apply time or in the correct amount according to telephone transfers.our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will not be liable, for instance: