Common use of ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE Clause in Contracts

ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. This Part V of the Agreement sets forth the terms and conditions governing electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, mobile banking, direct deposits, automated teller machines (ATMs), LAPFCU Debit Card, and audio response telephone banking. Your acceptance, retention, or use of a LAPFCU Debit Card, Personal Identification Number (PIN) or other EFT here- under constitutes an agreement between us and you as described below. These disclosures are given by us in compliance with the Electronic Fund Transfer Act (15 U.S.C. Section 1693 et seq.) and Regulation E (12 CFR 1005 et seq.) to inform you of certain terms and conditions for use of the electronic services described in this Agreement. At the present time, we offer the following electronic services: • Preauthorized deposits of net paycheck; • Payroll deductions; • Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments); • Preauthorized withdrawals for bill payments and other recurring payments; • Automated Teller Machine (ATM) EFT services at Credit Union-owned (proprietary) ATMs and on Shared Network ATMs such as the CO-OP Network and such other systems as may be added from time to time; • Credit Card cash advances at ATMs; • Telephone Banking; • Online Banking; • LAPFCU Debit Card (including PIN and signature based transactions); • Electronic Check Transactions; • Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; • Mobile Banking; • Mobile Deposit; • Electronic Account Payment Services; • Peer-to-Peer Funds Transfers; • Text (SMS) Banking; and • Electronic Wallets We reserve the right to offer new electronic services in the future. General disclosures applicable to all electronic services offered by us are given below, with specific disclosure information for certain electronic services following in separate sections. Terms and conditions for some electronic services are separately disclosed to you when you enroll in the service. Your use of any electronic service is subject to our approval. Our business days are Monday through Friday, except federal holidays. Our business hours are 8:00 a.m. to 5:00 p.m. Pacific Time, Monday through Friday. Branch hours and holiday schedules may be obtained through our website (xxx.XXXXXX.xxx) or by contacting us at (000) 000-0000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. Telephone Banking, Online Banking and the bill pay system, are generally available for your convenience 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties, including those of the Internet service provider and Internet software.

ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. This Part V of the Agreement sets forth the terms and conditions governing electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, mobile banking, direct deposits, automated teller machines (ATMs), LAPFCU Debit Card, and audio response telephone banking. Your acceptance, retention, or use of a LAPFCU Debit Card, Personal Identification Number (PIN) or other EFT here- under hereunder constitutes an agreement between us and you as described below. These disclosures are given by us in compliance with the Electronic Fund Transfer Act (15 U.S.C. Section 1693 et seq.) and Regulation E (12 CFR 1005 et seq.) to inform you of certain terms and conditions for use of the electronic services described in this Agreement. At the present time, we offer the following electronic services: • Preauthorized deposits of net paycheck; • Payroll deductions; • Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments); • Preauthorized withdrawals for bill payments and other recurring payments; • Automated Teller Machine (ATM) EFT services at Credit Union-owned (proprietary) ATMs and on Shared Network ATMs such as the CO-OP Network and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMsATMs on the Visa network; • Telephone BankingBanking (Code 3); • Online BankingBanking (PATROL); • LAPFCU Debit Card (including PIN and signature based transactions); • Electronic Check Transactions; • Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; • Mobile Banking; • Mobile Deposit (GO-Deposit); • Electronic Account Payment Services; • PeerPopMoney (person-to-Peer Funds Transfersperson transfers); • Quick Pay; • Text (SMS) Banking; and • Electronic Wallets We reserve the right to offer new electronic services in the future. General disclosures applicable to all electronic services offered by us are given below, with specific disclosure information for certain electronic services following in separate sections. Terms and conditions for some electronic services are separately disclosed to you when you enroll in the service. Your use of any electronic service is subject to our approval. Our business days are Monday through Friday, except federal holidays. Our business hours are 8:00 a.m. to 5:00 p.m. Pacific Time, Monday through Friday. Branch hours and holiday schedules may be obtained through our website (xxx.XXXXXX.xxxwww.LAPFCU. org) or by contacting us at (000) 000-0000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. Telephone BankingCode 3, PATROL Online Banking and the bill pay system, are generally available for your convenience 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties, including those of the Internet service provider and Internet software.

ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. This Part V IV of the Agreement sets forth the terms and conditions governing electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, mobile banking, direct deposits, automated teller machines (ATMs), LAPFCU ) and Visa Debit Card, and audio response telephone banking. Your acceptance, retention, or use of a LAPFCU an ATM Card, Visa Debit Card, Personal Identification Number (PIN) or other EFT here- under hereunder constitutes an agreement between us and you as described below. These disclosures are given by us in compliance with the Electronic Fund Transfer Act (15 U.S.C. Section 1693 et seq.) and Regulation E (12 CFR 1005 et seq.) to inform you of certain terms and conditions for use of the electronic services described in this Agreement. At the present time, we offer the following electronic services: • Preauthorized deposits of net paycheck; • Payroll deductions; • Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments); • Preauthorized withdrawals for bill payments and other recurring payments; • Automated Teller Machine (ATM) EFT services at Credit Union-owned (proprietary) ATMs and on Shared Network ATMs such as the CO-OP Network Network, STAR, and Cirrus, and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMsATMs on the Visa network; • Telephone Online Banking (eBranch) and Mobile Banking; • Online Banking; • LAPFCU Visa Debit Card (including PIN and signature based transactions); • Audio Response Electronic Telephone Banking (“Quickline”); • Electronic Check Transactions; and • Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; • Mobile Banking; • Mobile Deposit; • Electronic Account Payment Services; • Peer-to-Peer Funds Transfers; • Text (SMS) Banking; and • Electronic Wallets We reserve the right to offer new electronic services in the future. General disclosures applicable to all electronic services offered by us are is given below, with certain specific disclosure information for certain electronic services each service following in separate sections. Terms and conditions for some electronic services are separately disclosed to you when you enroll in the service. Your use of any the electronic service services is subject to our approval. Our business days are Monday through Friday, except federal holidays. Our business hours are 8:00 9:00 a.m. to 5:00 6:00 p.m. Pacific Time, Monday through FridayStandard Time on each business day. Branch hours and holiday schedules may be obtained through our website (xxx.XXXXXX.xxxXxxxxxxxxXX.xxx) or by contacting us at (000) 000800-0000426- 1917. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. Telephone eBranch, Mobile Banking, Online Banking and the bill pay system, Xxxx Xxxxx Service (ePay) are generally available for your convenience 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties, including those of the Internet service provider and Internet software.

ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. This Part V of the Agreement sets forth the terms and conditions governing electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers trans- fers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, mobile banking, direct deposits, automated teller tell- er machines (ATMs), LAPFCU QuickDraw PLUS MasterCard Debit Card, QuickDraw ATM Card and audio response telephone banking. Your acceptance, retention, or use of a LAPFCU Quick- Draw ATM Card, QuickDraw PLUS MasterCard Debit Card, Personal Identification Number (PIN) or other EFT here- under constitutes an agreement between us and you as described below. These disclosures are given by us in compliance with the Electronic Fund Transfer Act (15 U.S.C. Section 1693 et seq.) and Regulation E (12 CFR 1005 et seq.) to inform you of certain terms and conditions for use of the electronic elec- tronic services described in this Agreement. At the present time, we offer the following electronic servicesser- vices: • Preauthorized deposits of net paycheck; • Payroll deductions; • Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security paymentspay- ments); • Preauthorized withdrawals for bill payments and other recurring payments; • Automated Teller Machine (ATM) EFT services at Credit Union-owned (proprietary) ATMs and on Shared Network ATMs such as the CO-OP Network and such other systems sys- tems as may be added from time to time; • Visa Credit Card cash advances at ATMsATMs on the Visa network; • Telephone BankingBanking (Code 3); • Online BankingBanking (PATROL); • LAPFCU QuickDraw PLUS MasterCard Debit Card (including PIN and signature based transactions); • QuickDraw ATM Card; • Electronic Check Transactions; • Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; • Mobile Banking; • Mobile Deposit (GO-Deposit); • EZ Deposit; • Electronic Account Payment Services; • PeerPopMoney (person-to-Peer Funds Transfersperson transfers); • MY Deposit; • Text (SMS) Banking; and • Electronic Wallets We reserve the right to offer new electronic services in the future. General disclosures applicable to all electronic services offered by us are given below, with specific disclosure information in- formation for certain electronic services following in separate sep- arate sections. Terms and conditions for some electronic services are separately disclosed to you when you enroll in the service. Your use of any electronic service is subject sub- ject to our approval. Our business days are Monday through Friday, except federal holidays. Our business hours are 8:00 a.m. to 5:00 p.m. Pacific Time, Monday through Friday. Branch hours and holiday schedules may be obtained through our website (xxx.XXXXXX.xxx) or by contacting us at (000) 000-0000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions inter- ruptions for system maintenance or technical difficulties. Telephone BankingCode 3, PATROL Online Banking and the bill pay system, are generally available for your convenience 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties, including those of the Internet service provider and Internet software.

ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. Checking accounts are subject to monthly fees unless certain conditions are met. Please refer to our “Fees” brochure. This Part V of the Agreement sets forth the terms and conditions governing electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, mobile banking, direct deposits, automated teller machines (ATMs), LAPFCU ) and Debit Card, and audio response telephone banking. Your acceptance, retention, or use of a LAPFCU Debit Card, Personal Identification Number (PIN) or other EFT here- under hereunder constitutes an agreement between us and you as described below. These disclosures are given by us in compliance with the Electronic Fund Transfer Act (15 U.S.C. Section 1693 et seq.) and Regulation E (12 CFR 1005 et seq.) to inform you of certain terms and conditions for use of the electronic services described in this Agreement. At the present time, we offer the following electronic services: • Preauthorized deposits of net paycheck; • Payroll deductions; • Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments); • Preauthorized withdrawals for bill payments and other recurring payments; • Automated Teller Machine (ATM) EFT services at Credit Union-owned (proprietary) ATMs and on Shared Network ATMs such as the CO-OP Network Network, STAR, Cirrus, Plus and such other systems as may be added from time to time• Online Banking (Online banking); • Credit Card cash advances at ATMsAudio Response Telephone Banking (TouchTel-24); • Telephone Banking; • Online Banking; • LAPFCU Debit Card (including PIN and signature based transactions); • Electronic Check Transactions; and • Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; • Mobile Banking; • Mobile Deposit; • Electronic Account Payment Services; • Peer-to-Peer Funds Transfers; • Text (SMS) Banking; and • Electronic Wallets We reserve the right to offer new electronic services in the future. General disclosures applicable to all electronic services offered by us are is given below, with certain specific disclosure information for certain electronic services each service following in separate sections. Terms and conditions for some electronic services are separately disclosed to you when you enroll in the service. Your use of any the electronic service services is subject to our approval. Our business days are Monday through Friday, except federal holidays. Our business hours are 8:00 a.m. to 5:00 5 p.m. Pacific Time, Standard Time on Monday through Friday, excluding federal holidays. Branch hours and holiday schedules may be obtained through our website (xxx.XXXXXX.xxx) or by contacting us at (000) 000-0000over the telephone. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. Telephone BankingTouchTel-24 telephone banking is generally available for your convenience 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. Online Banking and the bill pay system, Bill Pay are generally available for your convenience 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties, including those of the Internet service provider and Internet software. You agreed that the Credit Union will not be responsible to you for any financial responsibility, damages or otherwise, if Online Banking and Bill Pay or ATM’s become unavailable or interrupted due to technical difficulties or system maintenance.

ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. This Part V Regulation E implements the Electronic Fund Transfer Act (EFTA), which establishes a basic framework of the rights, liabilities, and responsibilities of participants in the electronic fund and remittance transfer systems. This Electronic Services Agreement and Disclosure (“agreement”) sets forth the terms and conditions governing the use of 1st United Credit Union’s electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, mobile banking, direct deposits, automated teller machines (ATMs), LAPFCU Debit Card, and audio response telephone bankingservices. Your acceptance, retention, or use of a LAPFCU Debit Cardan ATM card, Personal Identification Number Visa debit card, personal identification number (PIN) ), or other EFT here- under electronic funds transaction hereunder constitutes an agreement between us and you as described below. These disclosures are This agreement is given by us in compliance with the Electronic Fund Transfer Act (15 U.S.C. Section 1693 et seq.) and Regulation E (12 CFR 1005 et seq.) to inform you of certain terms and conditions for use of the electronic services described in this Agreementagreement. At the present time, we offer the following several types of electronic services: • Preauthorized deposits of net paycheck; • Payroll deductions; • Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments)Direct deposits; • Preauthorized withdrawals for bill payments and pays, other recurring payments (bill pay service) and any person-to-person (“P2P”) payments; • Automated Teller Machine teller machine (ATM) EFT electronic fund transfer services at Credit Union-Union owned (“proprietary”) ATMs and on Shared Network “shared network” ATMs such as the CO-OP Network Network, and such other systems as may be added from time to time; • Credit Card time;Visa credit card cash advances at ATMs; • Telephone BankingATMs on the Visa network; • Online Bankingbanking; • LAPFCU Debit Card Visa debit card (including PIN and signature signature-based transactions); • Electronic Check Transactionscheck transactions; • Transactions at a Pointpoint-of-Sale sale (POS) terminal whether or not an access device is used; • and Mobile Banking; • Mobile Deposit; • Electronic Account Payment Services; • Peer-to-Peer Funds Transfers; • Text (SMS) Banking; and • Electronic Wallets We reserve the right to offer new electronic services in the futurebanking, including mobile deposits. General disclosures applicable to all electronic services offered by us are is given below, with certain specific disclosure information for certain electronic services each service following in separate sections. Terms You understand and conditions agree that the agreements, terms, conditions, rules, and regulations applicable to your savings account(s), checking account(s), Visa debit card, Visa credit card, personal line of credit, and any other applicable accounts, remain in full force and effect and continue to be applicable, except as specifically modified by this agreement. All applications for some electronic services are separately disclosed to you when you enroll in the service. Your use of any electronic service is subject to our approval. Our business days are Monday through Friday, except federal holidays. Our business hours are 8:00 9 a.m. to 5:00 5 p.m. Pacific Time, PST Monday through Friday. Branch hours and holiday schedules may be obtained through our website (xxx.XXXXXX.xxx) or by contacting us at (000) 000-0000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. Telephone Banking, Online Banking banking and the bill pay system, service are generally available for your convenience 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties, including those of the Internet service provider and Internet software.

ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. This Part V IV of the Agreement sets forth the terms and conditions governing electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, mobile banking, direct deposits, automated teller machines (ATMs), LAPFCU ) and Visa Debit Card, and audio response telephone banking. Your acceptance, retention, or use of a LAPFCU an ATM Card, Visa Debit Card, Personal Identification Identifcation Number (PIN) or other EFT here- under hereunder constitutes an agreement between us and you as described below. These disclosures are given by us in compliance with the Electronic Fund Transfer Act (15 U.S.C. Section 1693 et seq.) and Regulation E (12 CFR 1005 et seq.) to inform you of certain terms and conditions for use of the electronic services described in this Agreement. At the present time, we offer ofer the following electronic services: • Preauthorized deposits of net paycheck; • Payroll deductions; • Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments); • Preauthorized withdrawals for bill payments and other recurring payments; • Automated Teller Machine (ATM) EFT services at Credit Union-owned (proprietary) ATMs and on Shared Network ATMs such as the CO-OP Network Network, STAR, and Cirrus, and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMsATMs on the Visa network; • Telephone Online Banking (eBranch) and Mobile Banking; • Online Banking; • LAPFCU Visa Debit Card (including PIN and signature based transactions); • Audio Response Electronic Telephone Banking (“Quickline”); • Electronic Check Transactions; and • Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; • Mobile Banking; • Mobile Deposit; • Electronic Account Payment Services; • Peer-to-Peer Funds Transfers; • Text (SMS) Banking; and • Electronic Wallets We reserve the right to offer new electronic services in the future. General disclosures applicable to all electronic services offered ofered by us are is given below, with specific certain specifc disclosure information for certain electronic services each service following in separate sections. Terms and conditions for some electronic services are separately disclosed to you when you enroll in the service. Your use of any the electronic service services is subject to our approval. Our business days are Monday through Friday, except federal holidays. Our business hours are 8:00 9:00 a.m. to 5:00 6:00 p.m. Pacific Time, Monday through FridayPacifc Standard Time on each business day. Branch hours and holiday schedules may be obtained through our website (xxx.XXXXXX.xxxxxx.xxxxxxxxxxx.xxx) or by contacting us at (000) 000- 000-0000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficultiesdifculties. Telephone eBranch, Mobile Banking, Online Banking and the bill pay system, Xxxx Xxxxx Service (ePay) are generally available for your convenience 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficultiesdifculties, including those of the Internet service provider and Internet software.

ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. This Part V of the Agreement sets forth the terms and conditions governing the use of Arrowhead Credit Union’s electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, mobile banking, direct deposits, automated teller machines (ATMs), LAPFCU Debit Card, and audio response telephone bankingservices. Your acceptance, retention, or use of a LAPFCU an ATM Card, Visa Debit Card, Personal Identification Number (PIN) or other EFT here- under electronic funds transaction hereunder constitutes an agreement between us and you as described below. These disclosures are given by us in compliance with the Electronic Fund Transfer Act (15 U.S.C. Section 1693 et seq.) and Regulation E (12 CFR 1005 et seq.) to inform you of certain terms and conditions for use of the electronic services described in this Agreement. At the present time, we offer the following several types of electronic services: • Preauthorized deposits of net paycheck; • Payroll deductions; • Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments); • Preauthorized withdrawals for bill payments and other recurring payments; • Automated Teller Machine (ATM) EFT electronic fund transfer services at Credit Union-owned (proprietary“Proprietary”) ATMs and on “Shared Network Network” ATMs such as the CO-OP Network Network, and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMsATMs on the Visa network; • Audio Response Electronic Telephone BankingBanking (“CU Hear”); • Online Banking; • LAPFCU Visa Debit Card (including PIN and signature based transactions); • Electronic Check Transactions; • Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; • Mobile Banking; and • Mobile Deposit; • Electronic Account Payment Services; • Peer-to-Peer Funds Transfers; • Text (SMS) Banking; and • Electronic Wallets We reserve the right to offer new electronic services in the future. Remote Deposit Capture General disclosures applicable to all electronic services offered by us are is given below, with certain specific disclosure information for certain electronic services each service following in separate sections. Terms and conditions All applications for some electronic services are separately disclosed to you when you enroll in the service. Your use of any electronic service is subject to our approval. Our business days are Monday through Friday, except federal holidays. Our business hours are 8:00 a.m. to 5:00 p.m. Pacific Time, Monday through Friday. Branch hours and holiday schedules may be obtained through our website (xxx.XXXXXX.xxxxxx.xxxxxxxxxxx.xxx) or by contacting us at (000) 000-0000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. Telephone “CU Hear” Audio Response Services, Online Banking, Online Banking and the bill pay system, Bill Payment Service are generally available for your convenience 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties, including those of the Internet service provider and Internet software.

ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. This Part V IV of the Agreement sets forth the terms and conditions governing electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, mobile banking, direct deposits, automated teller machines (ATMs), LAPFCU ) and Visa Debit Card, and audio response telephone banking. Your acceptance, retention, or use of a LAPFCU an ATM Card, Visa Debit Card, Personal Identification Number (PIN) or other EFT here- under hereunder constitutes an agreement between us and you as described below. These disclosures are given by us in compliance with the Electronic Fund Transfer Act (15 U.S.C. Section 1693 et seq.) and Regulation E (12 CFR 1005 et seq.) to inform you of certain terms and conditions for use of the electronic services described in this Agreement. At the present time, we offer the following electronic services: • Preauthorized deposits of net paycheck; • Payroll deductions; • Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments); • Preauthorized withdrawals for bill payments and other recurring payments; • Automated Teller Machine (ATM) EFT services at Credit Union-owned (proprietary) ATMs and on Shared Network ATMs such as the CO-OP Network Network, STAR, and Cirrus, and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMsATMs on the Visa network; • Telephone Digital Banking; • Online Banking; • LAPFCU Visa Debit Card (including PIN and signature based transactions); • Audio Response Electronic Telephone Banking (“Quickline”); • Electronic Check Transactions; and • Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; • Mobile Banking; • Mobile Deposit; • Electronic Account Payment Services; • Peer-to-Peer Funds Transfers; • Text (SMS) Banking; and • Electronic Wallets We reserve the right to offer new electronic services in the future. General disclosures applicable to all electronic services offered by us are is given below, with certain specific disclosure information for certain electronic services each service following in separate sections. Terms and conditions for some electronic services are separately disclosed to you when you enroll in the service. Your use of any the electronic service services is subject to our approval. Our business days are Monday through Friday, except federal holidays. Our business hours are 8:00 9:00 a.m. to 5:00 6:00 p.m. Pacific Time, Monday through FridayStandard Time on each business day. Branch hours and holiday schedules may be obtained through our website (xxx.XXXXXX.xxxXxxxxxxxxXX.xxx) or by contacting us at (000) -000-0000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. Telephone Digital Banking, Online Banking and the bill pay system, Xxxx Xxxxx Service are generally available for your convenience 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties, including those of the Internet service provider and Internet software.

ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. This Part V of the Agreement sets forth the terms and conditions governing the use of Arrowhead Credit Union’s electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, mobile banking, direct deposits, automated teller machines (ATMs), LAPFCU Debit Card, and audio response telephone bankingservices. Your acceptance, retention, or use of a LAPFCU an ATM Card, Visa Debit Card, Personal Identification Number (PIN) or other EFT here- under electronic funds transaction hereunder constitutes an agreement between us and you as described below. These disclosures are given by us in compliance with the Electronic Fund Transfer Act (15 U.S.C. Section 1693 et seq.) and Regulation E (12 CFR 1005 et seq.) to inform you of certain terms and conditions for use of the electronic services described in this Agreement. At the present time, we offer the following several types of electronic services: • Preauthorized deposits of net paycheck; • Payroll deductions; • Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments); • Preauthorized withdrawals for bill payments and other recurring payments; • Automated Teller Machine (ATM) EFT electronic fund transfer services at Credit Union-owned (proprietary“Proprietary”) ATMs and on “Shared Network Network” ATMs such as the CO-OP Network Network, and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMsATMs on the Visa network; • Audio Response Electronic Telephone BankingBanking (“CU Hear”); • Online Banking; • LAPFCU Visa Debit Card (including PIN and signature signature-based transactions); • Electronic Check Transactions; • Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; • Mobile Banking; and • Mobile Deposit; • Electronic Account Payment Services; • Peer-to-Peer Funds Transfers; • Text (SMS) Banking; and • Electronic Wallets We reserve the right to offer new electronic services in the future. Remote Deposit Capture General disclosures applicable to all electronic services offered by us are is given below, with certain specific disclosure information for certain electronic services each service following in separate sections. Terms and conditions All applications for some electronic services are separately disclosed to you when you enroll in the service. Your use of any electronic service is subject to our approval. Our business days are Monday through Friday, except federal holidays. Our business hours are 8:00 a.m. to 5:00 p.m. Pacific Time, Monday through Friday. Branch hours and holiday schedules may be obtained through our website (xxx.XXXXXX.xxxxxx.xxxxxxxxxxx.xxx) or by contacting us at (000) 000-0000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. Telephone “CU Hear” Audio Response Services, Online Banking, Online Banking and the bill pay system, Bill Payment Service are generally available for your convenience 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties, including those of the Internet service provider and Internet software.

ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. This Part V IV of the Agreement sets forth the terms and conditions governing electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, mobile banking, direct deposits, automated teller machines (ATMs), LAPFCU ) and Visa Debit Card, and audio response telephone banking. Your acceptance, retention, or use of a LAPFCU an ATM Card, Visa Debit Card, Personal Identification Number (PIN) or other EFT here- under hereunder constitutes an agreement between us and you as described below. These disclosures are given by us in compliance with the Electronic Fund Transfer Act (15 U.S.C. Section 1693 et seq.) and Regulation E (12 CFR 1005 et seq.) to inform you of certain terms and conditions for use of the electronic services described in this Agreement. At the present time, we offer the following electronic services: • Preauthorized deposits of net paycheck; • Payroll deductions; • Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments); • Preauthorized withdrawals for bill payments and other recurring payments; • Automated Teller Machine (ATM) EFT services at Credit Union-owned (proprietary) ATMs and on Shared Network ATMs such as the CO-OP Network Network, STAR, and Cirrus, and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMsATMs on the Visa network; • Telephone BankingDigital Banking (eBranch); • Online Banking; • LAPFCU Visa Debit Card (including PIN and signature based transactions); • Audio Response Electronic Telephone Banking (“Quickline”); • Electronic Check Transactions; and • Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; • Mobile Banking; • Mobile Deposit; • Electronic Account Payment Services; • Peer-to-Peer Funds Transfers; • Text (SMS) Banking; and • Electronic Wallets We reserve the right to offer new electronic services in the future. General disclosures applicable to all electronic services offered by us are is given below, with certain specific disclosure information for certain electronic services each service following in separate sections. Terms and conditions for some electronic services are separately disclosed to you when you enroll in the service. Your use of any the electronic service services is subject to our approval. Our business days are Monday through Friday, except federal holidays. Our business hours are 8:00 9:00 a.m. to 5:00 6:00 p.m. Pacific Time, Monday through FridayStandard Time on each business day. Branch hours and holiday schedules may be obtained through our website (xxx.XXXXXX.xxxXxxxxxxxxXX.xxx) or by contacting us at (000) 000800-0000426- 1917. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. Telephone eBranch, Mobile Banking, Online Banking and the bill pay system, Xxxx Xxxxx Service (ePay) are generally available for your convenience 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties, including those of the Internet service provider and Internet software.