Common use of Electronic Fund Transfers Clause in Contracts

Electronic Fund Transfers. Thefollowingtermsapply to electronicfundtransfersgoverned by the Electronic Fund Transfer Act (e.g., telephoneandinternetbanking, debitcardtransactions, and ACH transfers). They also apply to debit card servicesmade available to businesses and other non-consumer accounts. Any authorizedsigner on an accountmay apply for electronic fund transfer services on behalf of all authorized signers. Once an electronic fund transfer service is established, any authorized signer on your account may act alone in conducting or cancelling electronic fund transactions, regardless of the number of required signers indicated on the account’s signaturecard or separateagreement. • Withdraw cash from your checking, Money Market, or savings account; • Make deposits to your checking, Money Market, or savings account at one of our ATMs or ITMs; • Make cash deposits to your checking, Money Market, or savings account at an Allpoint+ Network ATM; • Transfer funds between your checking, Money Market, and savings accounts; • Pay for purchases at places that honor our Card; and • Obtain account balance information (may not reflect recent transactions and may include funds that are not available for immediate withdrawal). Some of theseservices may not be available at all terminals, and all deposits and payments are subject to later verification by us. If you have morethan one account linked to your Card, you may designate the account for a withdrawal transaction. If you want to designate a different account for withdrawal transactions, contact a Financial Services Representative at any of our branches. Youshouldnotethat we generally do not allowpoint-of-sale payments to be madetomerchantsfromsavings accounts or Money Market accounts. Your Card cannot be used to transfer money into or out of your account without a personal identification number (“PIN”) at ATMs and most POS terminals. You may be asked to sign a sales slip or provide identification, rather than enter your PIN, for certain Cardtransactions. At somemerchants, such as gas stations, you may not be required to sign your name or enter your PIN for a Card purchase. You can select your own PIN at any of our offices or call our automatedvoice system at 1-800-760-BANK (2265). If you forget your PIN, please visit one of our branches and request another one. If you decide you do not want to use your Card, destroy it at once by cutting it in half and notify us in writing.

Electronic Fund Transfers. Thefollowingtermsapply The following terms apply to electronicfundtransfersgoverned electronic fund transfers governed by the Electronic Fund Transfer Act (e.g., telephoneandinternetbankingtelephone and internet banking, debitcardtransactionsdebit card transactions, and ACH transfers). They also apply to debit card servicesmade services made available to businesses and other non-consumer accounts. Any authorizedsigner authorized signer on an accountmay account may apply for electronic fund transfer services on behalf of all authorized signers. Once an electronic fund transfer service is established, any authorized signer on your account may act alone in conducting or cancelling electronic fund transactions, regardless of the number of required signers indicated on the account’s signaturecard signature card or separateagreementseparate agreement. • Withdraw cash from your checking, Money Market, checking or savings account; • Make deposits to your checking, Money Market, checking or savings account at one of our ATMs or ITMs; • Make cash deposits to your checking, Money Market, or savings account at an Allpoint+ Network ATMATMs; • Transfer funds between your checking, Money Market, checking and savings accounts; • Pay for purchases at places that honor our Card; and • Obtain account balance information (may not reflect recent transactions and may include funds that are not available for immediate withdrawal). Some of theseservices these services may not be available at all terminals, and all deposits and payments are subject to later verification by us. If you have morethan more than one account linked to your Card, you may designate the account for a withdrawal transaction. If you want to designate a different account for withdrawal transactions, contact a Financial Services Representative at any of our branches. Youshouldnotethat You should note that we generally do not allowpointallow point-of-sale payments to be madetomerchantsfromsavings made to merchants from savings accounts or Money Market money market accounts. Your Card cannot be used to transfer money into or out of your account without a personal identification number (“PIN”) at ATMs and most POS terminals. You may be asked to sign a sales slip or provide identification, rather than enter your PIN, for certain CardtransactionsCard transactions. At somemerchantssome merchants, such as gas stations, you may not be required to sign your name or enter your PIN for a Card purchase. You can select your own PIN at any of our offices or call our automatedvoice automated voice system at 1-800-760-BANK (2265). If you forget your PIN, please visit one of our branches and request another one. If you decide you do not want to use your Card, destroy it at once by cutting it in half and notify us in writing.

Electronic Fund Transfers. Thefollowingtermsapply The following terms apply to electronicfundtransfersgoverned electronic fund transfers governed by the Electronic Fund Transfer Act (e.g.e .g ., telephoneandinternetbankingpoint-of-sale, debitcardtransactions, telephone and internet banking and ACH transfers)) . They also apply to debit card servicesmade services made available to businesses and other non-consumer accountspersonal accounts . Any authorizedsigner authorized signer on an accountmay account may apply for electronic fund transfer services on behalf of all authorized signerssigners . Once an electronic fund transfer service is established, any authorized signer on your account may act alone in conducting or cancelling electronic fund transactions, regardless of the number of required signers indicated on the account’s signaturecard signature card or separateagreementseparate agreement . • Withdraw cash from your checking, Money Market, checking or savings account; • Make deposits to your checking, Money Market, checking or savings account at one of our ATMs or ITMs; • Make cash deposits to your checking, Money Market, or savings account at an Allpoint+ Network ATMATMs; • Transfer funds between your checking, Money Market, checking and savings accounts; • Pay for purchases at places that honor our Card; and • Obtain account balance information (may not reflect recent transactions transactions, and may include funds that are not available for immediate withdrawal)) . Some of theseservices these services may not be available at all terminals, and all deposits and payments are subject to later verification by usus . If you have morethan more than one account linked to your Card, you may designate the account for a withdrawal transactiontransaction . If you want to designate a different account for withdrawal transactions, contact a Financial Services Representative at any of our branchesbranches . Youshouldnotethat we generally do not allowpointYou should note that point-of-sale payments cannot be made to be madetomerchantsfromsavings merchants from savings accounts or Money Market accountsmoney market accounts . Your Card cannot be used to transfer money into or out of your account without a personal identification number (“PIN”) at ATMs and most POS terminalspoint of sale (POS) terminals . You may be asked to sign a sales slip or provide identification, rather than enter your PIN, for certain CardtransactionsCard transactions . At somemerchantssome merchants, such as gas stations, you may not be required to sign your name or enter your PIN for a Card purchasepurchase . You can select your own PIN at any of our offices or call our automatedvoice automated voice system at 10-800000-760000-BANK (2265)0000 . If you forget your PIN, please visit one of our branches and request another oneone . If you decide you do not want to use your Card, destroy it at once by cutting it in half and notify us in writingwriting . when using the ATM and be aware of the surroundings, especially at night or in isolated areas . Park near the ATM in a well-lighted area . At night have someone accompany you when possible . Do not approach the ATM if the lighting is not working . Do not accept assistance from anyone while using the ATM . Do not display your cash: pocket it and count it later in the safety of your office or home . Be sure to save your transaction slips . Check them against your statements regularly . Prepare deposits at home to minimize your time at the ATM . Always secure your Card just like you would your cash, checks and credit cards . Report all crimes to the ATM operator and local law enforcement officials immediately .

Electronic Fund Transfers. Thefollowingtermsapply The following terms apply to electronicfundtransfersgoverned electronic fund transfers governed by the Electronic Fund Transfer Act (e.g., telephoneandinternetbankingconsumer ATM, debitcardtransactions, point-of-sale Debit and ACH transfers). They It also apply applies to debit card servicesmade available to businesses business and other non-consumer personal accounts. Any authorizedsigner authorized signer on an accountmay account may apply for electronic fund transfer services on behalf of all authorized signers. Once an electronic fund transfer service is established, any authorized signer on your account may act alone in conducting or cancelling electronic fund transactions, regardless of the number of required signers indicated on the account’s signaturecard or separateagreement. • Withdraw cash from your checking, Money Market, checking or savings account; • Make deposits to your checking, Money Market, checking or savings account at one of our ATMs or ITMsATMs; • Make cash deposits to your checking, Money Market, or savings account at an Allpoint+ Network ATM; • Transfer funds between your checking, Money Market, checking and savings accounts; • Pay for purchases at places that honor our the Card; and • Obtain account balance information. (Balance information (may not reflect recent transactions transactions, and may include funds that are not available for immediate withdrawal). .) Some of theseservices these services may not be available at all terminals, and all deposits and payments are subject to later verification by us. If you have morethan more than one account linked to your Cardwith us, you some of these services may designate not be available for each account. Your Card can be used at terminals that are part of the account for a withdrawal transaction. If you want to designate a different account for withdrawal transactions, contact a Financial Services Representative at any of our branches. Youshouldnotethat networks in which we generally do not allowpoint-of-sale payments to be madetomerchantsfromsavings accounts or Money Market accountsparticipate. Your Card cannot be used to transfer money into or out of your account without a personal identification number (“PIN”number("PIN") at ATMs and most POS terminals. You may be asked to sign a sales slip or provide identification, rather than enter your PIN, for certain CardtransactionsDebit Card transactions. At somemerchantssome merchants, such as gas stations, you may not be required to sign your name or enter your PIN for a Debit Card purchase. You can select ; however, you may be required to enter your own PIN at any of our offices ZIP code or call our automatedvoice system at 1-800-760-BANK (2265). If you forget your PIN, please visit one of our branches and request another oneidentifier. If you decide you do not want to use your Cardcard, you may cancel your card by calling or writing to us. If you do, please destroy it immediately. We may cancel your Card at once any time without notice. We utilize the Verified by cutting it Visar service to provide you with a way of increasing security when making online purchases at participating merchants with your registered Visa debit Card. If you do not register for participation in half and notify us in writingVerified by Visar, you may not be able to use your Visar debit Card for certain online purchases.