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 Clearing House (ACH) or other payment networks. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or share draft to an electronic fund transfer or to electronically pay a returned check or share draft charge can occur when a merchant provides you with notice and you proceed with the transaction. This typically occurs at the point of purchase where the merchant posts a sign and prints the notice on a receipt. In all cases, the transaction will require you to provide the third party with your account number and credit union information, including the credit union’s routing and transit number. This information can be found on your check or share draft as well as on a deposit or withdrawal slip. It is very important that you 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 Credit You may make arrangements for certain direct deposits to be accepted into your share draft/checking or share savings account(s) Preauthorized Payments You may make arrangements to pay certain recurring bills from your share draft/checking or share savings accounts(s) Electronic Check or Draft Conversion You may provide your check or draft to a merchant or service provider who will scan the check or share draft to obtain 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 Electronic Returned Check or Draft Charge Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check or share draft is returned for insufficient funds Phone-A-Teller (PAT) Telephone Transfers You may access your account by telephone 24 hours a day at 000-000-0000 using your personal identification number, a touch tone phone, and your account numbers. The types of transfers and limitations include: Type of Transfer Limitation Checking to Checking You may transfer no more than $10,000 per transfer Checking to Savings You may transfer no more than $10,000 per transfer Savings to Checking You may transfer no more than $10,000 per transfer Savings to Savings You may transfer no more than $10,000 per transfer Payments from Checking to a Loan Account at TCCU You may transfer no more than $10,000 per transfer Payments from Savings to a Loan Account at TCCU You may transfer no more than $10,000 per transfer You may also obtain information about the following through PAT: • The account balance of savings and checking accounts • The last 30 deposits to checking accounts • The last 30 withdrawals from checking accounts • The last 30 deposits to savings accounts • The last 30 withdrawals from savings accounts • The last 30 cleared checks from checking accounts Your Option To Limit Cash Withdrawals – In addition to dollar amount limitations for withdrawals using your VISA Check Card and 24- Hour ATM Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn via these methods to $50.00 per day or some other amount acceptable to us. ATM Transfers You may access your account(s) by ATM using your ATM card or VISA Check Card and your personal identification number. The types of transfers, dollars limitation, and charges include: Type of Transfer Limitation Charges Checking and savings account deposit with ATM or Visa Check Card N/A N/A Cash withdrawals from checking or savings with ATM Card No more than 50 Withdrawals per day No more than $410 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Cash withdrawals from checking or savings account with Visa Check Card No more than 50 withdrawals per day No more than $610.00 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Transfer funds from savings to checking account(s) with ATM or Visa Check Card No more than $10,000 per transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing Transfer funds from checking to savings account(s) with an ATM or Visa Check Card No more than $10,000 per transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing If your available account balance is lower than any of these limits, your available account balance is the maximum that can be withdrawn. If any communication systems are offline, the limits per card per account per day may be reduced for all transaction types. You can also use ATMs to check the account balance of your checking or savings account(s) with an ATM or Visa Check Card. There is a charge of $1.00- $1.50 per inquiry at ATMs* based on relationship pricing. Please note that some of these services may not be available at all terminals. Types of ATM Card Point-of-Sale Transactions – You may access your checking or savings account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant (if the merchant permits) or from a participating financial institution or at a participating merchant that has agreed to accept our access device. The following frequency and dollar limitations are in place when using your card: • You may make no more than 50 transactions per day • You may not exceed $1,000.00 in transactions per day Types of VISA Check Card Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person, by phone, or internet), get cash from a merchant (if the merchant permits), or from a participating financial institution, and do anything that a participating merchant will accept. If you use your Visa Check Card to make a purchase, you are requesting TCCU to withdraw funds in the amount of the purchase (including any cash received from the merchant) from your checking account and ordering TCCU to pay those funds to the merchant. The following frequency and dollar limitations are in place when using your Visa Check Card for point-of-sale transactions: • You may make no more than 50 transactions per day • You may not exceed $3,000.00 in transactions per day Holds – If you use your Visa Check Card for a purchase transaction, we may place a hold on the funds available in your designated checking account, plus any overdraft protection, based on the authorization prior to settlement. The amount held will be equal to the transaction amount that was requested through the merchant authorization. While the funds are on hold, they will not be available in your account to cover any checks or other items posting to the account. Currency Conversion and International Transactions – Purchases and cash advances made with your Visa Check Card in foreign currencies will be billed is U.S. dollars. The currency conversion rate in US dollars is either a government mandated rate or a wholesale currency market rate determined by Visa® for the processing cycle in which the transaction is processed. The currency conversion rate used by VISA® on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. The credit union has no control over the conversion rate. In addition to the conversion rate selected by VISA®, a separate VISA International Service Assessment (ISA) Fee of up to 1% is charged to the Credit Union and may also appear as a separate line item on your statement. An international transaction is a transaction where the country of the merchant or ATM is outside of the United States.

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 Clearing House (ACH) or other payment networkspayments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or share draft to an electronic fund transfer or to electronically pay a returned check or share draft charge can occur when a merchant provides you with notice and you proceed go forward with the transaction. This typically occurs transaction (typically, at the point of purchase where the purchase, a merchant posts will post a sign and prints 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, including the credit union’s routing and transit number. This information can be found on your check or share draft as well as on a deposit or withdrawal slip. It is very important that 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 Credit credits. You may make arrangements for certain direct deposits to be accepted into your share draft/checking draft or share savings account(s) ). • Preauthorized Payments payments. You may make arrangements to pay certain recurring bills from your share draft/draft or share savings account(s). • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share savings accounts(s) Electronic Check or Draft Conversion You may provide 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 share draft other payee to obtain 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 Electronic Returned Check or Draft Charge Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check or share draft is returned for insufficient funds Phone-A-Teller (PAT) Telephone Transfers You may access your account by telephone 24 hours a day at 000-000-0000 using your personal identification number, a touch tone phone, and your account numbers. The types of transfers and limitations include: Type of Transfer Limitation Checking to Checking You may transfer no more than $10,000 per transfer Checking to Savings You may transfer no more than $10,000 per transfer Savings to Checking You may transfer no more than $10,000 per transfer Savings to Savings You may transfer no more than $10,000 per transfer Payments from Checking to a Loan Account at TCCU You may transfer no more than $10,000 per transfer Payments from Savings to a Loan Account at TCCU You may transfer no more than $10,000 per transfer You may also obtain information about the following through PAT: • The account balance of savings and checking accounts • The last 30 deposits to checking accounts • The last 30 withdrawals from checking accounts • The last 30 deposits to savings accounts • The last 30 withdrawals from savings accounts • The last 30 cleared checks from checking accounts Your Option To Limit Cash Withdrawals – In addition to dollar amount limitations for withdrawals using your VISA Check Card and 24- Hour ATM Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn via these methods to $50.00 per day or some other amount acceptable to us. ATM Transfers You may access your account(s) by ATM using your ATM card or VISA Check Card and your personal identification number. The types of transfers, dollars limitation, and charges include: Type of Transfer Limitation Charges Checking and savings account deposit with ATM or Visa Check Card N/A N/A Cash withdrawals from checking or savings with ATM Card No more than 50 Withdrawals per day No more than $410 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Cash withdrawals from checking or savings account with Visa Check Card No more than 50 withdrawals per day No more than $610.00 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Transfer funds from savings to checking account(s) with ATM or Visa Check Card No more than $10,000 per transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing Transfer funds from checking to savings account(s) with an ATM or Visa Check Card No more than $10,000 per transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing If your available account balance is lower than any of these limits, your available account balance is the maximum that can be withdrawn. If any communication systems are offline, the limits per card per account per day may be reduced for all transaction types. You can also use ATMs to check the account balance of your checking or savings account(s) with an ATM or Visa Check Card. There is a charge of $1.00- $1.50 per inquiry at ATMs* based on relationship pricing. Please note that some of these services may not be available at all terminals. Types of ATM Card Point-of-Sale Transactions – You may access your checking or savings account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant (if the merchant permits) or from a participating financial institution or at a participating merchant that has agreed to accept our access device. The following frequency and dollar limitations are in place when using your card: • You may make no more than 50 transactions per day • You may not exceed $1,000.00 in transactions per day Types of VISA Check Card Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person, by phone, or internet), get cash from a merchant (if the merchant permits), or from a participating financial institution, and do anything that a participating merchant will accept. If you use your Visa Check Card to make a purchase, you are requesting TCCU to withdraw funds in the amount of the purchase (including any cash received from the merchant) from your checking account and ordering TCCU to pay those funds to the merchant. The following frequency and dollar limitations are in place when using your Visa Check Card for point-of-sale transactions: • You may make no more than 50 transactions per day • You may not exceed $3,000.00 in transactions per day Holds – If you use your Visa Check Card for a purchase transaction, we may place a hold on the funds available in your designated checking account, plus any overdraft protection, based on the authorization prior to settlement. The amount held will be equal to the transaction amount that was requested through the merchant authorization. While the funds are on hold, they will not be available in your account to cover any checks or other items posting to the account. Currency Conversion and International Transactions – Purchases and cash advances made with your Visa Check Card in foreign currencies will be billed is U.S. dollars. The currency conversion rate in US dollars is either a government mandated rate or a wholesale currency market rate determined by Visa® for the processing cycle in which the transaction is processed. The currency conversion rate used by VISA® on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. The credit union has no control over the conversion rate. In addition to the conversion rate selected by VISA®, a separate VISA International Service Assessment (ISA) Fee of up to 1% is charged to the Credit Union and may also appear as a separate line item on your statement. An international transaction is a transaction where the country of the merchant or ATM is outside of the United Statesfunds.

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 Clearing House (ACH) or other payment networks. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or share draft to an electronic fund transfer or to electronically pay a returned check or share draft charge can occur when a merchant provides you with notice and you proceed with the transaction. This typically occurs at the point of purchase where the merchant posts a sign and prints the notice on a receipt. In all cases, the transaction will require you to provide the third party with your account number and credit union information, including the credit union’s routing and transit number. This information can be found on your check or share draft as well as on a deposit or withdrawal slip. It is very important that you 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 Credit Credits You may make arrangements for certain direct deposits to be accepted into your share draft/checking or share savings account(s) Preauthorized Payments You may make arrangements to pay certain recurring bills from your share draft/checking or share savings accounts(s) Electronic Check or Draft Conversion You may provide your check or draft to a merchant or service provider who will scan the check or share draft to obtain 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 Electronic Returned Check or Draft Charge Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check or share draft is returned for insufficient funds Phone-A-Teller (PAT) Telephone Transfers You may access your account by telephone 24 hours a day at 000-000-0000 using your personal identification number, a touch tone phone, and your account numbers. The types of transfers and limitations include: Type of Transfer Limitation Checking to Checking You may transfer no more than $10,000 per transfer Checking to Savings You may transfer no more than $10,000 per transfer Savings to Checking You may transfer no more than $10,000 per transfer Savings to Savings You may transfer no more than $10,000 per transfer Payments from Checking to a Loan Account at TCCU You may transfer no more than $10,000 per transfer Payments from Savings to a Loan Account at TCCU You may transfer no more than $10,000 per transfer You may also obtain information about the following through PAT: • The account balance of savings and checking accounts • The last 30 deposits to checking accounts • The last 30 withdrawals from checking accounts • The last 30 deposits to savings accounts • The last 30 withdrawals from savings accounts • The last 30 cleared checks from checking accounts Your Option To Limit Cash Withdrawals – In addition to dollar amount limitations for withdrawals using your VISA Check Card and 24- Hour ATM Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn via these methods to $50.00 per day or some other amount acceptable to us. ATM Transfers You may access your account(s) by ATM using your ATM card or VISA Check Card and your personal identification number. The types of transfers, dollars limitation, and charges include: Type of Transfer Limitation Charges Checking and savings account deposit with ATM or Visa Check Card N/A N/A Cash withdrawals from checking or savings with ATM Card No more than 50 Withdrawals per day No more than $410 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Cash withdrawals from checking or savings account with Visa Check Card No more than 50 withdrawals per day No more than $610.00 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Transfer funds from savings to checking account(s) with ATM or Visa Check Card No more than $10,000 per transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing Transfer funds from checking to savings account(s) with an ATM or Visa Check Card No more than $10,000 per transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing If your available account balance is lower than any of these limits, your available account balance is the maximum that can be withdrawn. If any communication systems are offline, the limits per card per account per day may be reduced for all transaction types. You can also use ATMs to check the account balance of your checking or savings account(s) with an ATM or Visa Check Card. There is a charge of $1.00- $1.50 per inquiry at ATMs* based on relationship pricing. Please note that some of these services may not be available at all terminals. Types of ATM Card Point-of-Sale Transactions – You may access your checking or savings account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant (if the merchant permits) or from a participating financial institution or at a participating merchant that has agreed to accept our access device. The following frequency and dollar limitations are in place when using your card: • You may make no more than 50 transactions per day • You may not exceed $1,000.00 in transactions per day Types of VISA Check Card Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person, by phone, or internet), get cash from a merchant (if the merchant permits), or from a participating financial institution, and do anything that a participating merchant will accept. If you use your Visa Check Card to make a purchase, you are requesting TCCU to withdraw funds in the amount of the purchase (including any cash received from the merchant) from your checking account and ordering TCCU to pay those funds to the merchant. The following frequency and dollar limitations are in place when using your Visa Check Card for point-of-sale transactions: • You may make no more than 50 transactions per day • You may not exceed $3,000.00 in transactions per day Holds – If you use your Visa Check Card for a purchase transaction, we may place a hold on the funds available in your designated checking account, plus any overdraft protection, based on the authorization prior to settlement. The amount held will be equal to the transaction amount that was requested through the merchant authorization. While the funds are on hold, they will not be available in your account to cover any checks or other items posting to the account. Currency Conversion and International Transactions – Purchases and cash advances made with your Visa Check Card in foreign currencies will be billed is U.S. dollars. The currency conversion rate in US dollars is either a government mandated rate or a wholesale currency market rate determined by Visa® for the processing cycle in which the transaction is processed. The currency conversion rate used by VISA® on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. The credit union has no control over the conversion rate. In addition to the conversion rate selected by VISA®, a separate VISA International Service Assessment (ISA) Fee of up to 1% is charged to the Credit Union and may also appear as a separate line item on your statement. An international transaction is a transaction where the country of the merchant or ATM is outside of the United States.funds

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 Clearing House (ACH) or other payment networkspayments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or share draft to an electronic fund transfer or to electronically pay a returned check or share draft charge can occur when a merchant provides you with notice and you proceed go forward with the transaction. This typically occurs transaction (typically, at the point of purchase where the purchase, a merchant posts will post a sign and prints 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, including the credit union’s routing and transit number. This information can be found on your check or share draft as well as on a deposit or withdrawal slip. It is very important that 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 Credit credits. You may make arrangements for certain direct deposits to be accepted into your share draft/checking or share savings account(s) ). • Preauthorized Payments payments. You may make arrangements to pay certain recurring bills from your share draft/checking or share savings accounts(s) account(s). • Electronic Check or Draft Conversion check conversion. You may provide authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check or draft to charge. You may authorize a merchant or service provider who will scan the check or share draft other payee to obtain 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 Electronic Returned Check or Draft Charge Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check or share draft is returned for insufficient funds Phonefunds. CUSATALK (24-A-Teller (PAThour telephone teller) Telephone Transfers – types of transfers and frequency limitations - You may access your account by telephone 24 hours a day at 0-000-000-0000 using your personal identification number, a touch tone phone, and your account numbers. The , to: • transfer funds from checking to savings • transfer funds from savings to checking - you may make no more than six transfers per statement cycle • transfer funds from savings to savings - you may make no more than six transfers per statement cycle • make payments from checking to loan accounts with us • make payments from savings to loan accounts with us • get information about: - the account balance of checking accounts - the account balance of savings accounts ATM Transfers - types of transfers and limitations include: Type of Transfer Limitation Checking to Checking You may transfer no more than $10,000 per transfer Checking to Savings You may transfer no more than $10,000 per transfer Savings to Checking You may transfer no more than $10,000 per transfer Savings to Savings You may transfer no more than $10,000 per transfer Payments from Checking to a Loan Account at TCCU You may transfer no more than $10,000 per transfer Payments from Savings to a Loan Account at TCCU You may transfer no more than $10,000 per transfer You may also obtain information about the following through PAT: • The account balance of savings and checking accounts • The last 30 deposits to checking accounts • The last 30 withdrawals from checking accounts • The last 30 deposits to savings accounts • The last 30 withdrawals from savings accounts • The last 30 cleared checks from checking accounts Your Option To Limit Cash Withdrawals – In addition to dollar amount limitations for withdrawals using your VISA Check Card and 24- Hour ATM Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn via these methods to $50.00 per day or some other amount acceptable to us. ATM Transfers charges - You may access your account(s) by ATM using your ATM card and personal identification number or VISA Check Federal Employees Newark Debit Access Card and your personal identification number. The types of transfers, dollars limitation, and charges includeto: Type of Transfer Limitation Charges Checking and savings account deposit with ATM or Visa Check Card N/A N/A Cash • get cash withdrawals from checking or savings account(s) with an ATM Card No more than 50 Withdrawals per day No more than $410 per day $1.00 or debit card - $1.50 per withdrawal at ATMs* based on relationship pricing Cash withdrawals from checking or savings account with Visa Check Card No more than 50 withdrawals per day No more than $610.00 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Transfer see separate fee schedule • transfer funds from savings to checking account(s) with an ATM or Visa Check Card No more than $10,000 per card/ debit card • transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing Transfer funds from checking to savings account(s) with an ATM or Visa Check Card No more than $10,000 per transfer $1.00 card/ debit card • get information about: - $1.50 per transfer at ATMs* based on relationship pricing If your available account balance is lower than any of these limits, your available account balance is the maximum that can be withdrawn. If any communication systems are offline, the limits per card per account per day may be reduced for all transaction types. You can also use ATMs to check the account balance of your checking or savings account(s) • with an ATM or Visa Check Card. There is a charge card/ debit card - the account balance of $1.00- $1.50 per inquiry at ATMs* based on relationship pricing. Please note that some your savings accounts • with an ATM card/ debit card - Line of credit balance • with an ATM card/ debit card Some of these services may not be available at all terminals. Types of ATM Federal Employees Newark Debit Access Card Point-of-Sale Transactions – - You may access your checking or savings account(s) to purchase goods (in person, online, or by phone), pay for services (in person), and get cash from a merchant (if the merchant permits) online, or from a participating financial institution or at a participating merchant that has agreed to accept our access device. The following frequency and dollar limitations are in place when using your card: • You may make no more than 50 transactions per day • You may not exceed $1,000.00 in transactions per day Types of VISA Check Card Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person, by phone, or internet), get cash from a merchant (merchant, if the merchant permits), or from a participating financial institution, and do anything that a participating merchant will accept. If you Limits and Restrictions of EFT Transactions. Cash withdrawals and point of sale transactions have limitations. The day for withdrawal limits begins at 12:00 P.M. each business day and ends 12:00 P.M. the next business day. There are certain limitations on the frequency of use your Visa Check Card to make a purchase, you are requesting TCCU to withdraw funds in the amount of the purchase (including any cash received from the merchant) from your checking account and ordering TCCU to pay those funds to the merchantATM / Debit Card each business day. The following frequency and dollar These limitations are in place when using your Visa Check Card not revealed for point-of-sale transactions: • You may make no more than 50 transactions per day • You may not exceed $3,000.00 in transactions per day Holds – If you use your Visa Check Card for a purchase transaction, we may place a hold on the funds available in your designated checking account, plus any overdraft protection, based on the authorization prior to settlement. The amount held will be equal to the transaction amount that was requested through the merchant authorization. While the funds are on hold, they will not be available in your account to cover any checks or other items posting to the accountsecurity reasons. Currency Conversion and International Transactions – Purchases and cash advances made with Transactions. When you use your Visa Check Visa®-branded Debit Card at a merchant that settles in foreign currencies currency other than US dollars, the charge will be billed is U.S. dollarsconverted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a government rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate or a wholesale currency market rate determined by Visa® in effect for the applicable central processing cycle in which the transaction is processeddate. The currency conversion rate used by VISA® in effect on the processing date may differ from the rate that would have been used in effect on the purchase transaction date or cardholder statement posting date. The credit union has no control over the conversion rate. In addition to the conversion rate selected by VISA®, Visa USA charges us a separate VISA .8% International Service Assessment (ISA) Fee on all international transactions, regardless of up to whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% is charged of the transaction. In either case, we pass this international transaction fee on to the Credit Union and may also appear as a separate line item on your statementyou. An international transaction is a transaction where the country of the merchant or ATM is outside the USA. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the United Statescardholder may be located. Computer Transfers - types of transfers and frequency limitations - You may access your account(s) by computer or mobile device through the internet by logging onto our website at xxx.xxxxxx.xxx and using your user identification and password, to: • transfer funds from checking to savings • transfer funds from savings to checking - you may make no more than six transfers per statement cycle • transfer funds between savings accounts - you may make no more than six transfers per statement cycle • make payments from checking or savings to loan account(s) with us • get information about: - the account balance of checking account(s) - the account balance of savings account(s) - Loans 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. • See separate fee schedule for other fees and charges. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Electronic 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 pay- ment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payment networkspayments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or share draft to an electronic fund transfer or to electronically electroni- cally pay a returned check or share draft charge can occur when a merchant provides you with notice and you proceed go forward with the transaction. This typically occurs transaction (typi- cally, at the point of purchase where the purchase, a merchant posts will post a sign and prints 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, including the credit union’s routing and transit number. This information can be found on your check or share draft as well as on a deposit or withdrawal slip. It is very important that Thus, you should only provide your credit union and account information (whether over the phone, the InternetInter- net, 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 Credit credits. You may make arrangements for certain direct deposits (such as Social Security, payroll or pension) to be accepted into your share draft/checking checking, savings or share savings money market account(s) ). • Preauthorized Payments payments. You may make arrangements to pay certain recurring bills from your share draft/checking, savings, or money market account(s). • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share savings accounts(s) Electronic Check or Draft Conversion You may provide draft account using information from your check or draft to a merchant pay for purchases or service provider who will scan the check or share draft to obtain the encoded credit union and account informationpay bills. 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 • Electronic returned check or draft by charge. You may authorize a mer- chant or other means such as by mail or drop box Electronic Returned Check or Draft Charge Some merchants or service providers will payee to initiate an electronic funds transfer to collect a charge in the event a check or share draft is returned for insufficient funds Phone-A-Teller (PAT) funds. Automated Telephone Banking Transfers - types of transfers - You may access your account by telephone 24 hours a day at 000800-000-0000 628- 7070 using your personal identification numberauthentication criteria established by Bethpage, a touch tone phoneto: • transfer funds between checking, money market, line of credit or sav- ings • make payments from checking, savings or money market to loan ac- counts with us • get information about: - the account balance of checking, savings, money market and your account numbers. The loans ATM Transfers - types of transfers and dollar limitations include: Type of Transfer Limitation Checking to Checking - You may access your account(s) by ATM using your Consumer Debit Card or Youth Debit Card and PIN, to: • make deposits to checking, savings and money market account(s) at ATMs we own or operate • withdraw up to $1,000.00 per day; $200.00 for Youth Debit and New members (accounts open 30 days or less) • transfer no more than $10,000 per transfer Checking to Savings You may transfer no more than $10,000 per transfer Savings to Checking You may transfer no more than $10,000 per transfer Savings to Savings You may transfer no more than $10,000 per transfer Payments from Checking to a Loan Account at TCCU You may transfer no more than $10,000 per transfer Payments from Savings to a Loan Account at TCCU You may transfer no more than $10,000 per transfer You may also obtain funds between checking, savings and money market account(s) • get information about the following through PAT: • The account balance of savings your checking and checking accounts • The last 30 deposits to checking accounts • The last 30 withdrawals from checking accounts • The last 30 deposits to savings accounts • The last 30 withdrawals from savings accounts • The last 30 cleared checks from checking accounts Your Option To Limit Cash Withdrawals – In addition to dollar amount limitations for withdrawals using your VISA Check Card and 24- Hour ATM Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn via these methods to $50.00 per day or some other amount acceptable to us. sav- ings account(s) ATM Transfers - types of transfers and dollar limitations - You may access your account(s) by ATM using your ATM card or VISA Check Card and your personal identification number. The types of transfersPIN, dollars limitation, to: • make deposits to savings and charges include: Type of Transfer Limitation Charges Checking and savings account deposit with ATM money market account(s) at ATMs we own or Visa Check Card N/A N/A Cash withdrawals from checking or savings with ATM Card No more than 50 Withdrawals operate • withdraw up to $1,000.00 per day No more than $410 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Cash withdrawals from checking or • transfer funds between savings account with Visa Check Card No more than 50 withdrawals per day No more than $610.00 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Transfer funds from savings to checking and money market account(s) with ATM or Visa Check Card No more than $10,000 per transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing Transfer funds from checking to savings account(s) with an ATM or Visa Check Card No more than $10,000 per transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing If your available account balance is lower than any of these limits, your available account balance is the maximum that can be withdrawn. If any communication systems are offline, the limits per card per account per day may be reduced for all transaction types. You can also use ATMs to check • get information about the account balance of your checking or savings account(s) with an ATM or Visa Check Card. There is a charge of $1.00- $1.50 per inquiry at ATMs* based on relationship pricing. Please note that some Some of these services may not be available at all terminals. You may withdraw no more than the available balance. Types of ATM Consumer Debit Card and Youth Debit Card Point-of-Sale Transactions – You may access your checking or savings 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 or at a participating merchant that has agreed to accept our access device. The following frequency and dollar limitations are in place when using your card: • You may make no more than 50 transactions per day • You may not exceed $1,000.00 in transactions per day Types of VISA Check Card Point-of-Sale Transactions – Trans- actions - You may access your checking account(s) to purchase goods or pay for services (in person, online or by phone, ) or internet), get cash from a merchant (if the merchant permits), or from a participating financial institution, and do anything that a participating merchant will accept, including returns. If you use your Visa Check Card to make a purchase, you are requesting TCCU to withdraw funds in the amount of the purchase (including any cash received from the merchant) from your checking account and ordering TCCU to pay those funds to the merchant. The following frequency and dollar limitations are in place when using your Visa Check Card for pointPoint-of-sale transactionsSale Transactions - dollar limitations - Using your card: • You may make no more than 50 transactions per day • You you may not exceed $3,000.00 2,500.00 in transactions per day Holds – If you Advisory Against Illegal Use. You agree not to use your Visa 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 trans- actions are lawful in all jurisdictions in which the cardholder may be located. Online Banking Transfers - types of transfers and dollar limitations - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxxxx.xxx and using authentication criteria established by Bethpage, to: • transfer funds between checking, savings or money market • transfer funds from line of credit to checking, savings or money market • make payments from checking, savings or money market to loan account(s) with us • make payments from checking to third parties (Bill Pay) - you may transfer no more than $10,000.00 per day to any one payee • get information about: - the account balance of any deposit or loan product • Remote Deposit Capture Mobile Banking Transfers - types of transfers - You may access your account(s) through the browser on your cell or mobile phone at www. xxxxxxxxxxxx.xxx or by downloading our mobile banking app and using authentication criteria established by Bethpage, to: • transfer funds between checking, savings or money market • transfer funds from line of credit to checking, savings or money market • make payments from checking, savings or money market to loan account(s) with us • make payments from checking to third parties (Bill Pay) - you may transfer no more than $10,000.00 per day to any one payee • get information about: - the account balance of any deposit or loan product • Remote Deposit Capture You may be charged access fees by your cell phone provider based on your individual plan. Web access is needed to use this service. Check Card with your cell phone provider for a purchase transactiondetails on specific fees and charges. FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. Transaction Limitations. Transfers from a savings or money market ac- count to a third party or to another account at Bethpage by preautho- rized, automatic, telephone, online or mobile Banking are limited to no more than six (6) transfers per statement cycle. Excess transaction fees may place a hold on the funds available in your designated checking account, plus any overdraft protection, based on the authorization prior to settlementapply. The amount held will be equal Refer to the transaction amount that was requested through the merchant authorization. While the funds are on hold, they will not be available in your account to cover any checks or other items posting to the account. Currency Conversion limitations section of this agreement for further information and International Transactions – Purchases and cash advances made with your Visa Check Card in foreign currencies will be billed is U.S. dollars. The currency conversion rate in US dollars is either a government mandated rate or a wholesale currency market rate determined by Visa® our Fee Schedule for the processing cycle in which fee amount. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the transaction is processed. The currency conversion rate used by VISA® on the processing date ATM operator and/or owner (and you may differ from the rate that would have been used on the purchase date or cardholder statement posting date. The credit union has no control over the conversion rate. In addition to the conversion rate selected by VISA®, be charged a separate VISA International Service Assessment (ISA) Fee of up to 1% is charged to the Credit Union and may also appear as fee for a separate line item on your statement. An international transaction is balance inquiry even if you do not complete a transaction where the country of the merchant or ATM is outside of the United Statesfund 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 Clearing House (ACH) or other payment networkspayments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or share draft to an electronic fund transfer or to electronically pay a returned check or share draft charge can occur when a merchant provides you with notice and you proceed go forward with the transaction. This typically occurs transaction (typically, at the point of purchase where the purchase, a merchant posts will post a sign and prints 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, including the credit union’s routing and transit number. This information can be found on your check or share draft as well as on a deposit or withdrawal slip. It is very important that 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 Credit credits. You may make arrangements for certain direct deposits to (such as U.S. Treasury (Social Security) or some employers (payroll))to be accepted into your share draft/checking draft or share savings account(s) ). • Preauthorized Payments payments. You may make arrangements to pay certain recurring bills from your share draft/draft account(s). • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share savings accounts(s) Electronic Check or Draft Conversion You may provide 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 share draft other payee to obtain 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 Electronic Returned Check or Draft Charge Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check or share draft is returned for insufficient funds Phone-A-Teller (PAT) Telephone funds. ATM Transfers You may access your account by telephone 24 hours a day at 000-000-0000 using your personal identification number, a touch tone phone, and your account numbers. The - types of transfers and dollar limitations include: Type of Transfer Limitation Checking to Checking You may transfer no more than $10,000 per transfer Checking to Savings You may transfer no more than $10,000 per transfer Savings to Checking You may transfer no more than $10,000 per transfer Savings to Savings You may transfer no more than $10,000 per transfer Payments from Checking to a Loan Account at TCCU You may transfer no more than $10,000 per transfer Payments from Savings to a Loan Account at TCCU You may transfer no more than $10,000 per transfer You may also obtain information about the following through PAT: • The account balance of savings and checking accounts • The last 30 deposits to checking accounts • The last 30 withdrawals from checking accounts • The last 30 deposits to savings accounts • The last 30 withdrawals from savings accounts • The last 30 cleared checks from checking accounts Your Option To Limit Cash Withdrawals – In addition to dollar amount limitations for withdrawals using your VISA Check Card and 24- Hour ATM Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn via these methods to $50.00 per day or some other amount acceptable to us. ATM Transfers - You may access your account(s) by ATM using your ATM card or VISA Check ATM/Debit Card and your personal identification number. The types of transfers, dollars limitation, and charges includeto: Type of Transfer Limitation Charges Checking and savings account deposit with ATM or Visa Check Card N/A N/A Cash withdrawals from checking or savings with ATM Card No more than 50 Withdrawals per day No more than $410 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Cash withdrawals from checking or savings account with Visa Check Card No more than 50 withdrawals per day No more than $610.00 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Transfer funds from savings • make deposits to checking share draft account(s) with ATM or Visa Check Card No more than $10,000 per transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing Transfer funds from checking a debit card • make deposits to share savings account(s) with an ATM or Visa Check Card No more than $10,000 per a debit card • get cash withdrawals from share draft account(s) with a debit card - dollar limit disclosed on fee schedule • get cash withdrawals from share savings account(s) with a debit card - dollar limit disclosed on fee schedule • transfer $1.00 funds from share savings to share draft account(s) with a debit card • transfer funds from share draft to share savings account(s) with a debit card • get information about: - $1.50 per transfer at ATMs* based on relationship pricing If your available account balance is lower than any of these limits, your available account balance is the maximum that can be withdrawn. If any communication systems are offline, the limits per card per account per day may be reduced for all transaction types. You can also use ATMs to check the account balance of your checking or savings share draft account(s) • with an ATM or Visa Check Card. There is a charge debit card - the account balance of $1.00- $1.50 per inquiry at ATMs* based on relationship pricing. Please note that some your share savings accounts • with a debit card Some of these services may not be available at all terminals. Types of ATM ATM/Debit Card Point-of-Sale Transactions – - You may access your checking or savings 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 or at a participating merchant that has agreed to accept our access device. The following frequency and dollar limitations are in place when using your card: • You may make no more than 50 transactions per day • You may not exceed $1,000.00 in transactions per day Types of VISA Check Card Point-of-Sale Transactions – You may access your checking share draft account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or internetby phone), get cash from a merchant (merchant, if the merchant permits), or from a participating financial institution, and do anything that a participating merchant will accept. If Point-of-Sale Transactions - dollar limitations - Using your card: • dollar limit disclosed on fee schedule Currency Conversion. When you use your Visa Check ATM/Debit Card to make at a purchasemerchant that settles in currency other than US dollars, you are requesting TCCU to withdraw funds in the amount of the purchase (including any cash received from the merchant) from your checking account and ordering TCCU to pay those funds to the merchant. The following frequency and dollar limitations are in place when using your Visa Check Card for point-of-sale transactions: • You may make no more than 50 transactions per day • You may not exceed $3,000.00 in transactions per day Holds – If you use your Visa Check Card for a purchase transaction, we may place a hold on the funds available in your designated checking account, plus any overdraft protection, based on the authorization prior to settlement. The amount held charge will be equal to converted into the transaction amount that was requested through the merchant authorization. While the funds are on hold, they will not be available in your account to cover any checks or other items posting to the account. Currency Conversion and International Transactions – Purchases and cash advances made with your Visa Check Card in foreign currencies will be billed is U.S. dollarsUS dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a government rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate or a wholesale currency market rate determined by Visa® in effect for the applicable central processing cycle in which the transaction is processeddate. The currency conversion rate used by VISA® in effect on the processing date may differ from the rate that would have been used in effect on the purchase transaction date or cardholder statement posting date. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit Transaction Processing. We have enabled non-Visa debit transaction processing. This means you may use your ATM/Debit Card on a PIN- Debit Network* (a non-Visa network) without using a PIN. The credit union has no control non-Visa debit network(s) for which such transactions are enabled are: STAR and CO-OP networks. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your ATM/Debit Card include signing a receipt, providing a card number over the conversion ratephone or via the Internet, or swiping the card through a point-of-sale terminal. In addition Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the conversion rate selected xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. *Visa Rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by VISA®use of a personal identification number (PIN) but that is not generally known for having a card program. Online Banking Transfers - types of transfers, dollar limitations, and charges - You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxxx-xxx.xxx and using your security code and log-on ID, 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 account(s) with us - you may transfer no more than your current loan balance; contact us if you are paying off your loan • make payments from share draft to third parties (Bill Pay) - Bill Pay limit is disclosed on your fee schedule • make payments from share savings to loan account(s) with us - you may transfer no more than your current loan balance; contact us if you are paying off your loan • get information about: - the account balance of share draft account(s) - deposits to share draft accounts - withdrawals from share draft accounts - the account balance of share savings account(s) - deposits to share savings accounts - withdrawals from share savings accounts • get check images • request a separate VISA International Service Assessment check to be mailed to you • make a withdrawal request • transfer funds from your account to another person (ISAXxxXxxxx) Fee - see our fee schedule for charges • transfer funds to another financial institution - see our fee schedule for charges Mobile Banking - types of up transfers, dollar limitations, and charges - You must be enrolled in Online Banking in order to 1% use Mobile Banking. You may access your account(s) on your cell or mobile device by using the downloadable mobile banking app, 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 account(s) with us - you may transfer no more than your current loan balance; contact us if you are paying off your loan • make payments from share draft to third parties (Bill Pay) - Bill Pay limit is charged disclosed on your fee schedule - only payees already established through Online Banking • make payments from share savings to loan account(s) with us - you may transfer no more than your current loan balance; contact us if you are paying off your loan • get information about: - the account balance of share draft account(s) - deposits to share draft accounts - withdrawals from share draft accounts - the account balance of share savings account(s) - deposits to share savings accounts - withdrawals from share savings accounts • transfer funds from your account to another person (XxxXxxxx) - see our fee schedule for charges • use Mobile Deposit Capture to deposit a check to your account - must be eligible and approved by the Credit Union 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. • There will be a charge for transactions (withdrawals, transfers, or inquiries) performed at non CO-OP ATMs. See our fee schedule for details. 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 also appear as be charged a separate line item on your statement. An international transaction is fee for a transaction where the country of the merchant or ATM is outside of the United Statesbalance 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 Clearing House (ACH) or other payment networkspayments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or share draft to an electronic fund transfer or to electronically pay a returned check or share draft charge can occur when a merchant provides you with notice and you proceed go forward with the transaction. This typically occurs transaction (typically, at the point of purchase where the purchase, a merchant posts will post a sign and prints 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, including the credit union’s routing and transit number. This information can be found on your check or share draft as well as on a deposit or withdrawal slip. It is very important that 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 Credit credits. You may make arrangements for certain direct deposits to (such as U.S. Treasury (Social Security) or some employers (payroll))to be accepted into your share draft/checking draft or share savings account(s) ). • Preauthorized Payments payments. You may make arrangements to pay certain recurring bills from your share draft/draft or share savings account(s). • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share savings accounts(s) Electronic Check or Draft Conversion You may provide 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 share draft other payee to obtain 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 Electronic Returned Check or Draft Charge Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check or share draft is returned for insufficient funds Phone-A-Teller (PAT) Telephone Transfers You may access your account by telephone 24 hours a day at 000-000-0000 using your personal identification number, a touch tone phone, and your account numbers. The types of transfers and limitations include: Type of Transfer Limitation Checking to Checking You may transfer no more than $10,000 per transfer Checking to Savings You may transfer no more than $10,000 per transfer Savings to Checking You may transfer no more than $10,000 per transfer Savings to Savings You may transfer no more than $10,000 per transfer Payments from Checking to a Loan Account at TCCU You may transfer no more than $10,000 per transfer Payments from Savings to a Loan Account at TCCU You may transfer no more than $10,000 per transfer You may also obtain information about the following through PAT: • The account balance of savings and checking accounts • The last 30 deposits to checking accounts • The last 30 withdrawals from checking accounts • The last 30 deposits to savings accounts • The last 30 withdrawals from savings accounts • The last 30 cleared checks from checking accounts Your Option To Limit Cash Withdrawals – In addition to dollar amount limitations for withdrawals using your VISA Check Card and 24- Hour ATM Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn via these methods to $50.00 per day or some other amount acceptable to us. ATM Transfers You may access your account(s) by ATM using your ATM card or VISA Check Card and your personal identification number. The types of transfers, dollars limitation, and charges include: Type of Transfer Limitation Charges Checking and savings account deposit with ATM or Visa Check Card N/A N/A Cash withdrawals from checking or savings with ATM Card No more than 50 Withdrawals per day No more than $410 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Cash withdrawals from checking or savings account with Visa Check Card No more than 50 withdrawals per day No more than $610.00 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Transfer funds from savings to checking account(s) with ATM or Visa Check Card No more than $10,000 per transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing Transfer funds from checking to savings account(s) with an ATM or Visa Check Card No more than $10,000 per transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing If your available account balance is lower than any of these limits, your available account balance is the maximum that can be withdrawn. If any communication systems are offline, the limits per card per account per day may be reduced for all transaction types. You can also use ATMs to check the account balance of your checking or savings account(s) with an ATM or Visa Check Card. There is a charge of $1.00- $1.50 per inquiry at ATMs* based on relationship pricing. Please note that some of these services may not be available at all terminals. Types of ATM Card Point-of-Sale Transactions – You may access your checking or savings account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant (if the merchant permits) or from a participating financial institution or at a participating merchant that has agreed to accept our access device. The following frequency and dollar limitations are in place when using your card: • You may make no more than 50 transactions per day • You may not exceed $1,000.00 in transactions per day Types of VISA Check Card Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person, by phone, or internet), get cash from a merchant (if the merchant permits), or from a participating financial institution, and do anything that a participating merchant will accept. If you use your Visa Check Card to make a purchase, you are requesting TCCU to withdraw funds in the amount of the purchase (including any cash received from the merchant) from your checking account and ordering TCCU to pay those funds to the merchant. The following frequency and dollar limitations are in place when using your Visa Check Card for point-of-sale transactions: • You may make no more than 50 transactions per day • You may not exceed $3,000.00 in transactions per day Holds – If you use your Visa Check Card for a purchase transaction, we may place a hold on the funds available in your designated checking account, plus any overdraft protection, based on the authorization prior to settlement. The amount held will be equal to the transaction amount that was requested through the merchant authorization. While the funds are on hold, they will not be available in your account to cover any checks or other items posting to the account. Currency Conversion and International Transactions – Purchases and cash advances made with your Visa Check Card in foreign currencies will be billed is U.S. dollars. The currency conversion rate in US dollars is either a government mandated rate or a wholesale currency market rate determined by Visa® for the processing cycle in which the transaction is processed. The currency conversion rate used by VISA® on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. The credit union has no control over the conversion rate. In addition to the conversion rate selected by VISA®, a separate VISA International Service Assessment (ISA) Fee of up to 1% is charged to the Credit Union and may also appear as a separate line item on your statement. An international transaction is a transaction where the country of the merchant or ATM is outside of the United Statesfunds.

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 Clearing House (ACH) or other payment networkspayments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or share draft to an electronic fund transfer or to electronically pay a returned check or share draft charge can occur when a merchant provides you with notice and you proceed go forward with the transaction. This typically occurs transaction (typically, at the point of purchase where the purchase, a merchant posts will post a sign and prints 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, including the credit union’s routing and transit number. This information can be found on your check or share draft as well as on a deposit or withdrawal slip. It is very important that 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 Credit credits. You may make arrangements for certain direct deposits to be accepted into your share draft/checking or share savings account(s) ). • Preauthorized Payments payments. You may make arrangements to pay certain recurring bills from your share draft/checking or share savings accounts(s) account(s). • Electronic Check or Draft Conversion check conversion. You may provide authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. • Electronic returned check or draft to charge. You may authorize a merchant or service provider who will scan the check or share draft other payee to obtain 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 Electronic Returned Check or Draft Charge Some merchants or service providers will initiate an electronic funds transfer to collect a charge in the event a check or share draft is returned for insufficient funds Phone-A-Teller (PAT) Telephone Transfers You may access your account by telephone 24 hours a day at 000-000-0000 using your personal identification number, a touch tone phone, and your account numbers. The types of transfers and limitations include: Type of Transfer Limitation Checking to Checking You may transfer no more than $10,000 per transfer Checking to Savings You may transfer no more than $10,000 per transfer Savings to Checking You may transfer no more than $10,000 per transfer Savings to Savings You may transfer no more than $10,000 per transfer Payments from Checking to a Loan Account at TCCU You may transfer no more than $10,000 per transfer Payments from Savings to a Loan Account at TCCU You may transfer no more than $10,000 per transfer You may also obtain information about the following through PAT: • The account balance of savings and checking accounts • The last 30 deposits to checking accounts • The last 30 withdrawals from checking accounts • The last 30 deposits to savings accounts • The last 30 withdrawals from savings accounts • The last 30 cleared checks from checking accounts Your Option To Limit Cash Withdrawals – In addition to dollar amount limitations for withdrawals using your VISA Check Card and 24- Hour ATM Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn via these methods to $50.00 per day or some other amount acceptable to us. ATM Transfers You may access your account(s) by ATM using your ATM card or VISA Check Card and your personal identification number. The types of transfers, dollars limitation, and charges include: Type of Transfer Limitation Charges Checking and savings account deposit with ATM or Visa Check Card Ninsufficient/A N/A Cash withdrawals from checking or savings with ATM Card No more than 50 Withdrawals per day No more than $410 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Cash withdrawals from checking or savings account with Visa Check Card No more than 50 withdrawals per day No more than $610.00 per day $1.00 - $1.50 per withdrawal at ATMs* based on relationship pricing Transfer funds from savings to checking account(s) with ATM or Visa Check Card No more than $10,000 per transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing Transfer funds from checking to savings account(s) with an ATM or Visa Check Card No more than $10,000 per transfer $1.00 - $1.50 per transfer at ATMs* based on relationship pricing If your available account balance is lower than any of these limits, your available account balance is the maximum that can be withdrawn. If any communication systems are offline, the limits per card per account per day may be reduced for all transaction types. You can also use ATMs to check the account balance of your checking or savings account(s) with an ATM or Visa Check Card. There is a charge of $1.00- $1.50 per inquiry at ATMs* based on relationship pricing. Please note that some of these services may not be available at all terminals. Types of ATM Card Point-of-Sale Transactions – You may access your checking or savings account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant (if the merchant permits) or from a participating financial institution or at a participating merchant that has agreed to accept our access device. The following frequency and dollar limitations are in place when using your card: • You may make no more than 50 transactions per day • You may not exceed $1,000.00 in transactions per day Types of VISA Check Card Point-of-Sale Transactions – You may access your checking account(s) to purchase goods (in person, by phone, or internet), get cash from a merchant (if the merchant permits), or from a participating financial institution, and do anything that a participating merchant will accept. If you use your Visa Check Card to make a purchase, you are requesting TCCU to withdraw funds in the amount of the purchase (including any cash received from the merchant) from your checking account and ordering TCCU to pay those funds to the merchant. The following frequency and dollar limitations are in place when using your Visa Check Card for point-of-sale transactions: • You may make no more than 50 transactions per day • You may not exceed $3,000.00 in transactions per day Holds – If you use your Visa Check Card for a purchase transaction, we may place a hold on the funds available in your designated checking account, plus any overdraft protection, based on the authorization prior to settlement. The amount held will be equal to the transaction amount that was requested through the merchant authorization. While the funds are on hold, they will not be available in your account to cover any checks or other items posting to the account. Currency Conversion and International Transactions – Purchases and cash advances made with your Visa Check Card in foreign currencies will be billed is U.S. dollars. The currency conversion rate in US dollars is either a government mandated rate or a wholesale currency market rate determined by Visa® for the processing cycle in which the transaction is processed. The currency conversion rate used by VISA® on the processing date may differ from the rate that would have been used on the purchase date or cardholder statement posting date. The credit union has no control over the conversion rate. In addition to the conversion rate selected by VISA®, a separate VISA International Service Assessment (ISA) Fee of up to 1% is charged to the Credit Union and may also appear as a separate line item on your statement. An international transaction is a transaction where the country of the merchant or ATM is outside of the United Statesuncollected funds.