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

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when a merchant posts a sign informing you of its policy. In all cases, the transaction 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 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 funds 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 account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Account. 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.) Electronic check or draft conversion. You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, is returned for insufficient funds.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when a merchant posts a sign informing you of its policy. In all cases, the transaction 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 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 funds 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 account(sChecking Share, or Christmas Club Account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Account. 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.) Electronic check or draft conversion. You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, is returned for insufficient funds. CU*TALK AUDIO RESPONSE and CU@HOME- PC HOME BANKING - Types of Transfers. Through CU*TALK Audio Response, you may access your accounts using a touch tone telephone, 24-hours a day at: 0-000-000-0000. On your home computer and modem, through CU*@HOME-PC Home Banking, access your account information at xxx.xxxxxx.xxx. You may request setup instructions from any employee. Once you have entered one of these systems, you must input our credit union access code, your account number and your Personal Identification Number to do the following: • Transfer funds from a Checking account to any other account with us except Certificate accounts • Transfer funds from a Share account to any other account with us except Certificate accounts • Transfer payments from Checking or Share accounts to loan accounts with us • Get information about: - the balances on all accounts with us - the deposits to and withdrawals from all accounts with us from the beginning of the current month - balances due on loan accounts with us - loan rates and dividend rates - Credit Union office hours and branch locations • Access our online xxxx pay program.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when a merchant posts a sign informing you of its policy. In all cases, the transaction 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 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 funds 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 account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Account. 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.) Electronic check or draft conversion. You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, is returned for insufficient funds. Touch Tone Teller. You may access your account by telephone 24 hours a day at (000) 000-0000 using your personal identification number, a touch tone phone, and your account numbers to make the following types of transfers: • Transfer available funds from Regular Share/Savings Account to Checking Account. • Transfer available funds from Checking Account to Regular Share/Savings Account • Transfer available funds from Share Savings to Share Savings • Transfer available funds from Checking to Checking • Make payments from Checking to loan accounts with us • Make payments from Share Savings to loan accounts with us You may also use Audio Response to obtain information about: • The account balance of Checking Accounts • Deposits to Checking Accounts • Withdrawals from Checking Accounts • The account balance of Regular Share/Savings Accounts • Deposits to Regular Share/Savings Accounts • Withdrawals from Regular Share/Savings Accounts Automated Teller Machine (ATM) Transactions. You may access your account(s) by ATM using your Debit card and personal identification number to: • Make deposits to Checking Account(s) • Make deposits to Regular Share/Savings Account(s) • Get cash withdrawals from Checking or Regular Share/Savings Account(s). You may withdraw no more than $1000.00 per day (combined with Point of Sale). • Transfer available funds from Share Savings to Checking Account(s) • Transfer available funds from Checking to Share Savings • Get information about: o The account balance of your Checking Account(s) o The account balance of your Regular Share/Savings Account(s) Some of these services may not be available at all terminals. ATM deposit access may not be available during the first 60 days of account opening or longer for accounts with limited activity. Your Option to Limit Cash Withdrawals. In addition to dollar amount limitations for withdrawals using your 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 Debit card and/or code to $50.00. E*Teller online banking. You may access your account(s) by computer at xxx.xxxxxxxxxx.xxx and using your password and your account username to access these services: • Transfer available funds between your accounts • Check balances • Obtain rate information • Apply for a loan and make loan payments • Confirm cleared checks • Review transaction history • Calculate loan payments • Sign up for electronic statements . Online Xxxx Payment – e*Pay Xxxx Payment Service. If you have signed up for e*Teller online banking and we approve your application for our online e*Pay Xxxx Payment Service, this service will be added to the services available for your checking account and you will be able to schedule withdrawals from your checking account to be sent to third parties. All transactions are limited to available funds in your checking account plus any available share savings backup for your checking account. Your use of e*Pay Xxxx Payment Service is in addition governed by a separate agreement and disclosure which will be provided to you when you sign up and are approved for the service unless it has been provided to you earlier.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some casesFor example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant posts provides you with notice and you go forward with the transaction, (typically, at the point of purchase, a merchant will post a sign informing you of its policyand print the notice on the receipt). In all cases, the transaction 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 slipcheck. Thus, you should only provide your credit union bank and account information (whether over the phone, the Internetinternet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds 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). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. • Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Accountchecking or savings account(s). 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.) • Electronic check or draft conversion. You may provide your check or draft to authorize a merchant or service provider who will scan the other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or draft for the encoded credit union and account informationpay bills. The • Electronic returned check charge. You may authorize a merchant or service provider will then use this information other payee to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, is returned for insufficient funds. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Info Line Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day, seven days a week, at (000) 000-0000 using your personal identification number, a touch tone phone, and your account numbers, to transfer funds between checking and savings accounts and make payments from your checking or savings to loan accounts with us. Transactions made after 7:00 PM CT will not be available until the next business day. Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some casesFor example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant posts provides you with notice and you go forward with the transaction, (typically, at the point of purchase, a merchant will post a sign informing you of its policyand print the notice on the receipt). In all cases, the transaction 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 slipcheck. Thus, you should only provide your credit union bank and account information (whether over the phone, the Internetinternet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds 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). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. • Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Accountchecking or savings account(s). 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.) • Electronic check or draft conversion. You may provide your check or draft to authorize a merchant or service provider who will scan the other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or draft for the encoded credit union and account informationpay bills. The • Electronic returned check charge. You may authorize a merchant or service provider will then use this information other payee to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, is returned for insufficient funds. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Info Line Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day, seven days a week, at (000) 000-0000 using your personal identification number, a touch tone phone, and your account numbers, to transfer funds between checking and savings accounts and make payments from your checking or savings to loan accounts with us. Transactions made after 7:00 PM CT will not be available until the next business day. 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 The Bank Cash & Check Card and personal identification number to: • make deposits to checking or savings account(s) with an ATM/check card at automated teller machines that we own and operate or other participating ATMs. • get cash withdrawals from checking or savings account(s) with an ATM/check card. o you may withdraw no more than $500.00 per day per cardholder. o there is a charge per transaction for non-MoneyPass Cash machines (See Miscellaneous Fee Schedule for current fees). • transfer funds between checking and savings accounts with an ATM/check card • get information about the account balance of your checking or savings accounts with an ATM/ check card Some of these services may not be available at all terminals. An additional fee may be assessed by the ATM owner. Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers. Types of Bank Cash & Check Card Transactions - You may access your checking account(s) using the card and/or PIN issued to you to purchase goods (in person, by phone or by computer), pay for services (in person, by phone or by computer), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Check Card Transactions - dollar limitations - Using your check card: • your daily point of sale limit will be determined during the application process. Please contact Customer Service. Please also see Limitations on frequency of transfers section regarding limitations that apply to check card transactions. Currency Conversion and Cross-Border Transaction Fees - If you effect a transaction with your The Bank Cash and Check 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. We charge you a Cross-Border Transaction fee of 1.50% 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. World Wide Banker Computer Transfers - types of transfers - You may access your account(s) by computer or mobile banking using your World Wide Banker personal identification number and your World Wide Banker ID, to: • Transfer funds between checking and savings accounts and make payments from your checking or savings to loan accounts with us. • You may also make Mobile Deposits. Refer to your Mobile Deposit/Mobile Banking Agreement for Terms & Conditions, applicable fees & limitations. See the Bank’s Funds Availability Policy for Cutoff Times. • You may also make payments to third parties using the BillPay, Person to Person and Bank to Bank services. o refer to your BillPay, Person to Person and Bank to Bank Agreements/Terms & Conditions for applicable fees & limitations. o BillPay: Electronic payment cut-off times are 2:00 PM CST on any business day. Check payment cut-off times are 3:00 PM CST on any business day. Transactions after these stated cut-off times will be processed the next business day. o Bank to Bank Transfer cut-off times are 3:00 PM CST. Transactions after this time will be processed the next business day. o Person to Person Transfer cut-off times are 2:00PM CST. Transactions after this time will be processed the next business day. Transactions made using World Wide Banker after 7:00 PM CST will not be available until the next business day. Please also see Limitations on frequency of transfers section regarding limitations that apply to computer transfers.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when a the merchant posts a sign informing you of its their policy. In all cases, the transaction 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 Internetinternet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds 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 or share savings account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. Preauthorized payments. payments- You may make arrangements to pay certain recurring bills from your Checking Accountshare draft/checking or share savings account(s). 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.) Electronic check or draft conversion. conversion- You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some Electronic returned check or draft charge- Some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, draft is returned for insufficient funds. XXXX Telephone Transfers- types of transfers- You may access your account by telephone 24 hours a day at (000) 000-0000 or (000) 000-0000 using your personal identification number, a touch tone phone, and your account numbers to transfer funds from share draft/checking to share savings, transfer funds from share savings to share draft/checking, make payments from share draft/checking to loan accounts with us, make payments from share draft/checking to third parties, make payments from share savings to third parties, make payments from share savings to loan accounts with us, make payments from share savings to third parties. VISA Check Card/ATM Transfers- types of transfers, frequency and dollar limitations, and charges- You may access your account(s) by ATM using your VISA Check Card and personal identification number, to make cash withdrawals from share draft/checking or share savings accounts: 1) You may withdraw no more than $998.00 per business day with a VISA Check Card, 2)You may withdraw no more than $300.00 or two transactions per business day with a VISA Check Card if the network is down, 3)Transfer funds between share savings and share draft/checking account(s). Some of these services may not be available at all terminals. Types of VISA Check Card Point-of-Sale Transactions- You may access your share draft/checking account(s) to purchase goods (in person or by phone), pay for services (in person or by phone), and get cash from a merchant, if the member permits, or from a participating financial institution. VISA Check Cards can be used at any retail location accepting VISA Debit Cards. Point-of-Sale Transactions- Dollar Limitations- Using your card: You may not exceed $2,000.00 in transactions per day or ten transactions per day if the network is down. 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. Flightline Computer Transfers- Types of Transfers- You may access your account(s) by computer using your username and password to transfer funds from share draft/checking to share draft/checking, transfer funds from share draft/checking to share savings, transfer funds from share savings to share draft/checking, transfer funds from share savings to share savings, transfer funds from line of credit to share draft/checking, make payments from share draft/checking to loan accounts with us, make payments from share savings to loan accounts with us. Flightline Computer Xxxx Xxxxx - Make payments from checking to third parties, make payments from share savings to third parties. Please refer to our Common Features insert for fees that may apply. FEES - We do not charge for direct deposits to any type of account. Please refer to our fee insert for any fees that may apply. 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 Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some casesFor example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant posts provides you with notice and you go forward with the transaction, (typically, at the point of purchase, a merchant will post a sign informing you of its policyand print the notice on the receipt). In all cases, the transaction 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 slipcheck. Thus, you should only provide your credit union bank and account information (whether over the phone, the Internetinternet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds 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). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. • Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Accountchecking or savings account(s). 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.) • Electronic check or draft conversion. You may provide your check or draft to authorize a merchant or service provider who will scan the other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or draft for the encoded credit union and account informationpay bills. The • Electronic returned check charge. You may authorize a merchant or service provider will then use this information other payee to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, is returned for insufficient funds. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Info Line Telephone Transfers - types of transfers - You may access your account by telephone 24 hours a day, seven days a week, at (000) 000-0000 using your personal identification number, a touch tone phone, and your account numbers, to transfer funds between checking and savings accounts and make payments from your checking or savings to loan accounts with us. Transactions made after 7:00 PM CT will not be available until the next business day. 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 The Bank Cash Card (ATM card) and personal identification number or The Bank Cash & Check Card (check card) and personal identification number, to: • make deposits to checking or savings account(s) with an ATM or check card at automated teller machines that we own and operate or other participating ATMs. • get cash withdrawals from checking or savings account(s) with an ATM or check card. o you may withdraw no more than $300.00 per day per cardholder. o there is a charge per transaction for non-MoneyPass Cash machines (See Miscellaneous Fee Schedule for current fees). • transfer funds between checking and savings accounts with an ATM card or check card • get information about the account balance of your checking or savings accounts with an ATM card or check card Some of these services may not be available at all terminals. An additional fee may be assessed by the ATM owner. Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers. Types of Bank Cash & Check Card Transactions - You may access your checking account(s) using the card and/or PIN issued to you to purchase goods (in person, by phone or by computer), pay for services (in person, by phone or by computer), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Check Card Transactions - dollar limitations - Using your check card: • your daily point of sale limit will be determined during the application process. Please contact Customer Service. Please also see Limitations on frequency of transfers section regarding limitations that apply to check card transactions. Currency Conversion and Cross-Border Transaction Fees - If you effect a transaction with your The Bank Cash and Check 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. We charge you a Cross-Border Transaction fee of 1.50% 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. World Wide Banker Computer Transfers - types of transfers - You may access your account(s) by computer or mobile banking using your World Wide Banker personal identification number and your World Wide Banker ID, to: • Transfer funds between checking and savings accounts and make payments from your checking or savings to loan accounts with us. • You may also make payments to third parties using the BillPay, Person to Person and Bank to Bank services. o refer to your BillPay, Person to Person and Bank to Bank Agreements/Terms & Conditions for applicable fees & limitations. o BillPay: Electronic payment cut-off times are 2:00 PM CST on any business day. Check payment cut-off times are 3:00 PM CST on any business day. Transactions after these stated cut-off times will be processed the next business day. o Bank to Bank Transfer cut-off times are 3:00 PM CST. Transactions after this time will be processed the next business day. o Person to Person Transfer cut-off times are 2:00PM CST. Transactions after this time will be processed the next business day. Transactions made using World Wide Banker after 7:00 PM CST will not be available until the next business day. Please also see Limitations on frequency of transfers section regarding limitations that apply to computer transfers.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when a the merchant posts a sign informing you of its their policy. In all cases, the transaction 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 funds 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 share draft or share savings account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. • Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Accountshare draft or share savings account(s). 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.) • Electronic check or draft conversion. You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some • Electronic returned check or draft charge. Some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, draft is returned for insufficient funds. Touch Tone Telephone Transfers - You may access your account by telephone 24 hours a day at 1-800- 860-5704, access code 037 using your personal identification number, and your account numbers, to: • transfer funds from share draft to share draft • 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 accounts with us • make payments from share savings to loan accounts with us • get information about: - the account balance of share draft accounts - the transactions on share draft accounts - the account balance of share savings accounts - the transactions on share savings accounts 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 to: • make deposits to share draft account(s) with an ATM card • make deposits to share savings account(s) with an ATM card • get cash withdrawals from share draft account(s) with an ATM card • get cash withdrawals from share savings account(s) with an ATM card - you may withdraw no more than $500.00 per day in combination with share draft account(s) • transfer funds from share savings to share draft account(s) with an ATM card • transfer funds from share draft to share savings account(s) with an ATM card • get information about: - the account balance of your share draft accounts - the account balance of your share savings accounts Members can make a deposit, withdrawal, or transfer at ATMs we do not own or operate. After five transactions per month each additional transaction is $1.00 each. (Gold & Silver members get more free.) Some of these services may not be available at all terminals. Types of ATM / 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 ATM/debit card: • you may not exceed $1000 in pin-based transactions and $1000 signature-based transactions per day plus the daily limit of $500 for ATM cash withdrawals Advisory Against Illegal Use. You agree not to use your card 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. Minimum account balance - • You must maintain a minimum account balance of $5.00 in your regular share account as a condition of using an access device (card and/or identification code) to accomplish a transfer. 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. 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 Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when a merchant posts a sign informing you of its policy. In all cases, the transaction 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 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 funds 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 account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Accountaccount. 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.) Electronic check or draft conversion. You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, is returned for insufficient funds.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when a the merchant posts a sign informing you of its their policy. In all cases, the transaction 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 Internetinternet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic funds transfers. Examples of these transfers include, but are not limited to: Preauthorized creditsCredits. You may make arrangements for certain direct deposits to be accepted into your checking or share savings account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. Preauthorized paymentsPreauthorize Payments. You may make arrangements to pay certain recurring bills from your Checking Accountshare draft/checking or share savings account(s). 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, Electronic Check or when the amount would fall outside certain limits that you set.) Electronic check or draft conversionDraft Conversion. You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some Electronic Returned Check or Draft Charge. Some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, draft is returned for insufficient funds.. XXXX Telephone Transfers. You may access your account by telephone 24 hours a day at (000) 000-0000 or (000) 000-0000 using your personal identification number, a touch tone phone, and your account numbers to transfer funds from share draft/checking to share savings, transfer funds from share savings to share draft/checking, make payments from share draft/checking to loan accounts with us, as applicable, make payments from share draft/checking to third parties, make payments from share savings to third parties, make payments from share savings to loan accounts with you, make payments from share savings to third parties. VISA ® Check (Debit) Card. You can use your VISA® Check Card to pay for goods and services at any retail location accepting VISA® debit cards. The Credit Union will charge all purchases against your checking account. We reserve the right to suspend or revoke check cards privileges at any time. Limitations. A stop payment cannot be placed on any transaction made with a check card. Purchases may not exceed $2,000.00 per day. VISA Check Card/ATM Transfers. Types of transfers, frequency and dollar limitations, and charges - You may access your account(s) by ATM using your VISA® Check Card and personal identification number, to make cash withdrawals from share draft/checking or share savings accounts: (1) You may withdraw your available balance but no more than $998.00 per business day with a VISA® Check Card, (2) You may withdraw no more than $300.00 or two transactions per business day with a VISA® Check Card if the network is down, (3) Transfer funds between share savings and share draft/checking account(s). Some of these services may not be available at all terminals. Types of VISA® Check Card Point-of-Sale Transactions. You may access your share/draft/checking account(s) to purchase goods and pay for services. VISA® Check Cards can be used at any retail location accepting VISA® Debit Cards. Updated 5/10/2016 2

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when a merchant posts a sign informing you of its their policy. In all cases, the transaction will require you to provide the third party with your account number and credit union informationinformation (ABA number or routing number). This information can typically 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 funds transfers. Examples of these transfers include, but are not limited to:  Preauthorized credits. credits – You may make arrangements for certain direct deposits (such as U.S. Treasury Social Security or some employers payroll) to be accepted into your account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account.  Preauthorized payments. payments – You may make arrangements to pay certain recurring bills from your Checking Accountaccount(s). 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.)  Electronic check or draft conversion. conversion – You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, purchase or when you provide your check or draft by other means such as by telephone, mail or drop box. Note that some  Electronic returned check charge – Some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, draft is returned for insufficient funds.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when a merchant posts a sign informing you of its policy. In all cases, the transaction 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 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 funds 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 account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Account. 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.) Electronic check or draft conversion. You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. * Note that some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, is returned for insufficient funds.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when a merchant posts a sign informing you of its policy. In all cases, the transaction 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 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 funds 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 account(sChecking Share, or Christmas Club Account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Account. 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.) Electronic check or draft conversion. You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, is returned for insufficient funds. CU*TALK AUDIO RESPONSE and XX@XXXX- PC HOME BANKING - Types of Transfers. Through CU*TALK Audio Response, you may access your accounts using a touch tone telephone, 24-hours a day at: 0-000-000-0000. On your home computer and modem, through XX*@XXXX-PC Home Banking, access your account information at xxx.xxxxxx.xxx. You may request setup instructions from any employee. Once you have entered one of these systems, you must input our credit union access code, your account number and your Personal Identification Number to do the following: • Transfer funds from a Checking account to any other account with us except Certificate accounts • Transfer funds from a Share account to any other account with us except Certificate accounts • Transfer payments from Checking or Share accounts to loan accounts with us • Get information about: - the balances on all accounts with us - the deposits to and withdrawals from all accounts with us from the beginning of the current month - balances due on loan accounts with us - loan rates and dividend rates - Credit Union office hours and branch locations • Access our online xxxx pay program.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when a merchant posts a sign informing you of its policy. In all cases, the transaction 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 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 funds 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 account(sChecking Share Savings, or Christmas Club Account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Account. 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.) Electronic check or draft conversion. You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, is returned for insufficient funds.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when a merchant posts a sign informing you of its policy. In all cases, the transaction 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 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 funds 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 account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Account. 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.) Electronic check or draft conversion. You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, is returned for insufficient funds.. Telephone Banking Service. You may access your account by telephone 24 hours a day at 000-000-0000 using your personal identification number, a touch tone phone, and your account numbers to make the following types of transfers: • Transfer available funds from Regular Share/Savings Account to Checking Account. • Transfer available funds from Checking Account to Regular Share/Savings Account • Transfer available funds from Share Savings to Share Savings • Transfer available funds from Checking to Checking • Make payments from Checking to loan accounts with us • Make payments from Share Savings to loan accounts with us You may also use Audio Response to obtain information about: • The account balance of Checking Accounts • Deposits to Checking Accounts • Withdrawals from Checking Accounts • The account balance of Regular Share/Savings Accounts • Deposits to Regular Share/Savings Accounts • Withdrawals from Regular Share/Savings Accounts Automated Teller Machine (ATM) Transactions. You may access your account(s) by ATM using your Debit card and personal identification number to: • Make deposits to Checking Account(s) • Make deposits to Regular Share/Savings Account(s) • Get cash withdrawals from Checking or Regular Share/Savings Account(s). You may withdraw no more than $1000.00 per day (combined with Point of Sale). • Transfer available funds from Share Savings to Checking Account(s) • Transfer available funds from Checking to Share Savings • Get information about: o The account balance of your Checking Account(s) o The account balance of your Regular Share/Savings Account(s) Some of these services may not be available at all terminals. ATM deposit access may not be available during the first 60 days of account opening or longer for accounts with limited activity. Your Option to Limit Cash Withdrawals. In addition to dollar amount limitations for withdrawals using your 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 Debit card and/or code to $50.00. Online banking. You may access your account(s) by computer at xxx.xxxxxxxxxx.xxx and using your password and your account username to access these services: • Transfer available funds between your accounts • Check balances • Obtain rate information • Apply for a loan and make loan payments • Confirm cleared checks • Review transaction history • Calculate loan payments • Sign up for electronic statements . Online Bill Payment –Bill Payment Service. If you have signed up for online banking and we approve your application for our online Bill Payment Service, this service will be added to the services available for your checking account and you will be able to schedule withdrawals from your checking account to be sent to third parties. All transactions are limited to available funds in your checking account plus any available share savings backup for your checking account. Your use of Bill Payment Service is in addition governed by a separate agreement and disclosure which will be provided to you when you sign up and are approved for the service unless it has been provided to you earlier. Mobile Banking. You may access your account(s) from your compatible mobile device to access these services: • Transfer available funds between your accounts • Check balances • Obtain rate information • Apply for a loan • Pay bills • Review transaction history Other Remote Access Agreements. In addition to our Bill Payment Service, this EFT Disclosure may be supplemented by other agreements for specific electronic services if you request such services, such as mobile or other remote access banking services, or remote deposit services. Debit Card Transactions. Using your Debit Card, 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 for any transaction that a participating merchant will accept. Conditions of EFT Services Transaction Limitations. Using your Debit card: You may not exceed $500.00 in PIN transactions per day, $510.00 if offline. For the purposes of Debit Card transactions one day is 6:00 pm to 6:00 pm. For your Debit Card, the dollar transaction limit will be disclosed at card issuance. Debit Card Point of Sale (POS) transactions are permitted only from your Checking Account or Share Savings if a Checking Account has not been opened. Debit card usage may be blocked if any loan account is 15 or more days past due, or for any negative balance in any of your accounts. In addition, except for your checking account, no transfer or withdrawal request from an account by electronic fund transfer will be honored if earlier in the same calendar month six

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some cases, your authorization can occur when a merchant posts a sign informing you of its policy. In all cases, the transaction 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 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 funds 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 account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Account. 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.) Electronic check or draft conversion. You may provide your check or draft to a merchant or service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, is returned for insufficient funds. Touch Tone Teller. You may access your account by telephone 24 hours a day at (000) 000-0000 using your personal identification number, a touch tone phone, and your account numbers to make the following types of transfers: • Transfer available funds from Regular Share/Savings Account to Checking Account. • Transfer available funds from Checking Account to Regular Share/Savings Account • Transfer available funds from Share Savings to Share Savings • Transfer available funds from Checking to Checking • Make payments from Checking to loan accounts with us • Make payments from Share Savings to loan accounts with us You may also use Audio Response to obtain information about: • The account balance of Checking Accounts • Deposits to Checking Accounts • Withdrawals from Checking Accounts • The account balance of Regular Share/Savings Accounts • Deposits to Regular Share/Savings Accounts • Withdrawals from Regular Share/Savings Accounts Automated Teller Machine (ATM) Transactions. You may access your account(s) by ATM using your Debit card and personal identification number to: • Make deposits to Checking Account(s) • Make deposits to Regular Share/Savings Account(s) • Get cash withdrawals from Checking or Regular Share/Savings Account(s). You may withdraw no more than $1000.00 per day (combined with Point of Sale). • Transfer available funds from Share Savings to Checking Account(s) • Transfer available funds from Checking to Share Savings • Get information about: o The account balance of your Checking Account(s) o The account balance of your Regular Share/Savings Account(s) Some of these services may not be available at all terminals. ATM deposit access may not be available during the first 60 days of account opening or longer for accounts with limited activity. Your Option to Limit Cash Withdrawals. In addition to dollar amount limitations for withdrawals using your 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 Debit card and/or code to $50.00. E*Teller online banking. You may access your account(s) by computer at xxx.xxxxxxxxxx.xxx and using your password and your account username to access these services: • Transfer available funds between your accounts • Check balances • Obtain rate information • Apply for a loan and make loan payments • Confirm cleared checks • Review transaction history • Calculate loan payments • Sign up for electronic statements . Online Bill Payment – e*Pay Bill Payment Service. If you have signed up for e*Teller online banking and we approve your application for our online e*Pay Bill Payment Service, this service will be added to the services available for your checking account and you will be able to schedule withdrawals from your checking account to be sent to third parties. All transactions are limited to available funds in your checking account plus any available share savings backup for your checking account. Your use of e*Pay Bill Payment Service is in addition governed by a separate agreement and disclosure which will be provided to you when you sign up and are approved for the service unless it has been provided to you earlier.

Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic funds 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 Clearinghouse Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. In some casesFor 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 posts provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign informing you of its policyand print the notice on a receipt). In all cases, the transaction 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 funds 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 share draft (checking) or share (savings) account(s). We reserve the right to reject or return any ACH Direct Deposit that comes into an account when the name on the deposit does not match the name of the owner or a joint owner of the account. } Preauthorized payments. You may make arrangements to pay certain recurring bills from your Checking Accountshare draft (checking) or share (savings) account(s). 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.) } Electronic check or draft conversion. You may provide 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 service provider who will scan the check or draft for the encoded credit union and account information. The merchant or service provider will then use this information other payee to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. Note that some merchants or service providers will initiate an electronic funds transfer to collect the amount of a check or draft and a returned check/draft charge in the event a check or draft, even if originally presented in paper form, draft is returned for insufficient funds. Please also see Limitations on frequency of transfers section regarding limitations that apply to savings accounts. Member Automated Telephone Teller (M.A.T.T.) Transfers - types of transfers - You may access your account by telephone 24 hours a day at 409.962.8793 or 0.000.000.0000, option #1 using your personal identification number and account numbers, to: } transfer funds from share draft to share draft } transfer funds from share draft to share savings } transfer funds from share savings to share draft } transfer funds from share savings to share savings } make payments from share draft to loan accounts with us } make payments from share savings to loan accounts with us } access your Line of Credit Account } get information about: - the account balance of share draft accounts - the account balance of share savings accounts - the account balances of loans Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers.