Common use of ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE Clause in Contracts

ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. This Part 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, direct deposits, automated teller machines (ATMs) and Visa Debit Card. Your acceptance, retention, or use of an ATM Card, Visa Debit Card, Personal Identification Number (PIN) or other EFT 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, STAR, and Cirrus, and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMs on the Visa network; • Online Banking (eBranch) and Mobile Banking; • 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. General disclosures applicable to all electronic services offered by us is given below, with certain specific disclosure information for each service following in separate sections. Your use of the electronic services is subject to our approval. GENERAL DISCLOSURES APPLICABLE TO ALL ELECTRONIC SERVICES Business Day Disclosure: Our business days are Monday through Friday, except federal holidays. Our business hours are 9:00 a.m. to 6:00 p.m. Pacific Standard Time on each business day. Branch hours and holiday schedules may be obtained through our website (XxxxxxxxxXX.xxx) or by contacting us at 800-426- 1917. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. eBranch, Mobile Banking, and the 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 IV 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) and Visa ), LAPFCU Debit Card, and audio response telephone banking. Your acceptance, retention, or use of an ATM Card, Visa a LAPFCU Debit Card, Personal Identification Number (PIN) or other EFT 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, STAR, and Cirrus, Network and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMs on the Visa network; • Telephone Banking (Code 3); • Online Banking (eBranch) and Mobile BankingPATROL); • Visa LAPFCU 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 (GO-Deposit); • PopMoney (person-to-person 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 is are given below, with certain specific disclosure information for each service 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 the any electronic services service is subject to our approval. GENERAL DISCLOSURES APPLICABLE TO ALL ELECTRONIC SERVICES Business Day Disclosure: Our business days are Monday through Friday, except federal holidays. Our business hours are 9:00 8:00 a.m. to 6:00 5:00 p.m. Pacific Standard Time on each business dayTime, Monday through Friday. Branch hours and holiday schedules may be obtained through our website (XxxxxxxxxXX.xxxwww.LAPFCU. org) or by contacting us at 800(000) 000-426- 19170000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. eBranchCode 3, Mobile Banking, PATROL Online Banking and the Xxxx Xxxxx Service (ePay) 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 IV 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) and Visa ), LAPFCU Debit Card, and audio response telephone banking. Your acceptance, retention, or use of an ATM Card, Visa a LAPFCU Debit Card, Personal Identification Number (PIN) or other EFT hereunder 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, STAR, and Cirrus, Network and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMs on the Visa networkATMs; • Telephone Banking; • Online Banking (eBranch) and Mobile Banking; • Visa LAPFCU 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 is are given below, with certain specific disclosure information for each service 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 the any electronic services service is subject to our approval. GENERAL DISCLOSURES APPLICABLE TO ALL ELECTRONIC SERVICES Business Day Disclosure: Our business days are Monday through Friday, except federal holidays. Our business hours are 9:00 8:00 a.m. to 6:00 5:00 p.m. Pacific Standard Time on each business dayTime, Monday through Friday. Branch hours and holiday schedules may be obtained through our website (XxxxxxxxxXX.xxxxxx.XXXXXX.xxx) or by contacting us at 800(000) 000-426- 19170000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. eBranch, Mobile Telephone Banking, Online Banking and the Xxxx Xxxxx Service (ePay) 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 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, direct deposits, automated teller machines (ATMs) and Visa Debit Card. Your acceptance, retention, or use of an ATM Card, Visa Debit Card, Personal Identification Number (PIN) or other EFT 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, STAR, and Cirrus, and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMs on the Visa network; • Online Banking (eBranch) and Mobile Digital Banking; • 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. General disclosures applicable to all electronic services offered by us is given below, with certain specific disclosure information for each service following in separate sections. Your use of the electronic services is subject to our approval. GENERAL DISCLOSURES APPLICABLE TO ALL ELECTRONIC SERVICES Business Day Disclosure: Our business days are Monday through Friday, except federal holidays. Our business hours are 9:00 a.m. to 6:00 p.m. Pacific Standard Time on each business day. Branch hours and holiday schedules may be obtained through our website (XxxxxxxxxXX.xxx) or by contacting us at 800000-426- 1917000-0000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. eBranch, Mobile Digital Banking, and the 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 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, direct deposits, automated teller machines (ATMs) and Visa Debit Card. Your acceptance, retention, or use of an ATM Card, Visa Debit Card, Personal Identification Number (PIN) or other EFT 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, STAR, and Cirrus, and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMs on the Visa network; • Online Digital Banking (eBranch) and Mobile Banking); • 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. General disclosures applicable to all electronic services offered by us is given below, with certain specific disclosure information for each service following in separate sections. Your use of the electronic services is subject to our approval. GENERAL DISCLOSURES APPLICABLE TO ALL ELECTRONIC SERVICES Business Day Disclosure: Our business days are Monday through Friday, except federal holidays. Our business hours are 9:00 a.m. to 6:00 p.m. Pacific Standard Time on each business day. Branch hours and holiday schedules may be obtained through our website (XxxxxxxxxXX.xxx) or by contacting us at 800-426- 1917. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. eBranch, Mobile Banking, and the 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 IV 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, direct deposits, automated teller machines (ATMs) and Visa Debit Cardservices. Your acceptance, retention, or use of an ATM Card, Visa Debit Card, Personal Identification Number (PIN) or other EFT 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, STAR, and Cirrus, and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMs on the Visa network; • Online Audio Response Electronic Telephone Banking (eBranch) and Mobile “CU Hear”); • Online Banking; • Visa Debit Card (including PIN and signature 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; and • Mobile Remote Deposit Capture General disclosures applicable to all electronic services offered by us is given below, with certain specific disclosure information for each service following in separate sections. Your use of the All applications for electronic services is are subject to our approval. GENERAL DISCLOSURES APPLICABLE TO ALL ELECTRONIC SERVICES Business Day Disclosure: Our business days are Monday through Friday, except federal holidays. Our business hours are 9:00 a.m. to 6:00 p.m. Pacific Standard Time on each business day. Branch hours and holiday schedules may be obtained through our website (XxxxxxxxxXX.xxxxxx.xxxxxxxxxxx.xxx) or by contacting us at 800(000) 000-426- 19170000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. eBranch“CU Hear” Audio Response Services, Mobile Online Banking, and the Xxxx Xxxxx Bill Payment 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 IV 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) and Visa ), QuickDraw PLUS MasterCard Debit Card, QuickDraw ATM Card and audio response telephone banking. Your acceptance, retention, or use of an a Quick- Draw ATM Card, Visa QuickDraw PLUS MasterCard Debit Card, Personal Identification Number (PIN) or other EFT hereunder 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, STAR, and Cirrus, Network and such other systems sys- tems as may be added from time to time; • Visa Credit Card cash advances at ATMs on the Visa network; • Telephone Banking (Code 3); • Online Banking (eBranch) and Mobile BankingPATROL); • Visa QuickDraw PLUS MasterCard Debit Card (including PIN and signature based transactions); • Audio Response Electronic Telephone Banking (“Quickline”)QuickDraw ATM Card; • Electronic Check Transactions; and • Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; • Mobile Banking; • Mobile Deposit (GO-Deposit); • EZ Deposit; • PopMoney (person-to-person 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 is are given below, with certain specific disclosure information in- formation for each service 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 the any electronic services service is subject sub- ject to our approval. GENERAL DISCLOSURES APPLICABLE TO ALL ELECTRONIC ELEC- TRONIC SERVICES Business Day Disclosure: Our business days are Monday through Friday, except federal holidays. Our business hours are 9:00 8:00 a.m. to 6:00 5:00 p.m. Pacific Standard Time on each business dayTime, Monday through Friday. Branch hours and holiday schedules may be obtained through our website (XxxxxxxxxXX.xxxxxx.XXXXXX.xxx) or by contacting us at 800(000) 000-426- 19170000. 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. eBranchCode 3, Mobile Banking, PATROL Online Banking and the Xxxx Xxxxx Service (ePay) 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 IV 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, direct deposits, automated teller machines (ATMs) and Visa Debit Cardservices. Your acceptance, retention, or use of an ATM Card, Visa Debit Card, Personal Identification Number (PIN) or other EFT 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, STAR, and Cirrus, and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMs on the Visa network; • Online Audio Response Electronic Telephone Banking (eBranch) and Mobile “CU Hear”); • Online Banking; • 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; and • Mobile Remote Deposit Capture General disclosures applicable to all electronic services offered by us is given below, with certain specific disclosure information for each service following in separate sections. Your use of the All applications for electronic services is are subject to our approval. GENERAL DISCLOSURES APPLICABLE TO ALL ELECTRONIC SERVICES Business Day Disclosure: Our business days are Monday through Friday, except federal holidays. Our business hours are 9:00 a.m. to 6:00 p.m. Pacific Standard Time on each business day. Branch hours and holiday schedules may be obtained through our website (XxxxxxxxxXX.xxxxxx.xxxxxxxxxxx.xxx) or by contacting us at 800(000) 000-426- 19170000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. eBranch“CU Hear” Audio Response Services, Mobile Online Banking, and the Xxxx Xxxxx Bill Payment 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 IV 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, direct deposits, automated teller machines (ATMs) and Visa Debit Cardservices. Your acceptance, retention, or use of an ATM Cardcard, Visa Debit Carddebit card, Personal Identification Number personal identification number (PIN) ), or other EFT 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, STAR, and Cirrus, and such other systems as may be added from time to time; • Visa Credit Card time;Visa credit card cash advances at ATMs on the Visa network; • Online Banking (eBranch) and Mobile Bankingbanking; • Visa Debit Card debit card (including PIN and signature signature-based transactions); • Audio Response Electronic Telephone Banking (“Quickline”)check transactions; • Electronic Check Transactions; and • Transactions at a Pointpoint-of-Sale sale (POS) terminal whether or not an access device is used; and Mobile banking, including mobile deposits. General disclosures applicable to all electronic services offered by us is given below, with certain specific disclosure information for each service following in separate sections. Your use You understand and 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 the 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 electronic services is are subject to our approval. GENERAL DISCLOSURES APPLICABLE TO ALL ELECTRONIC SERVICES General Disclosures Applicable to all Electronic Services Business Day Disclosure: Disclosure Our business days are Monday through Friday, except federal holidays. Our business hours are 9:00 9 a.m. to 6:00 5 p.m. Pacific Standard Time on each business day. Branch hours and holiday schedules may be obtained PST Monday through our website (XxxxxxxxxXX.xxx) or by contacting us at 800-426- 1917Friday. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficulties. eBranch, Mobile Banking, Online banking and the Xxxx Xxxxx Service (ePay) bill pay 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 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, direct deposits, automated teller machines (ATMs) and Visa Debit Card. Your acceptance, retention, or use of an ATM Card, Visa Debit Card, Personal Identification Identifcation Number (PIN) or other EFT 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, STAR, and Cirrus, and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMs on the Visa network; • Online Banking (eBranch) and Mobile Banking; • 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. General disclosures applicable to all electronic services offered ofered by us is given below, with certain specific specifc disclosure information for each service following in separate sections. Your use of the electronic services is subject to our approval. GENERAL DISCLOSURES APPLICABLE TO ALL ELECTRONIC SERVICES Business Day Disclosure: Our business days are Monday through Friday, except federal holidays. Our business hours are 9:00 a.m. to 6:00 p.m. Pacific Pacifc Standard Time on each business day. Branch hours and holiday schedules may be obtained through our website (XxxxxxxxxXX.xxxxxx.xxxxxxxxxxx.xxx) or by contacting us at 800000- 000-426- 19170000. Our proprietary ATMs are generally available 24 hours a day, 7 days a week, with minor interruptions for system maintenance or technical difficultiesdifculties. eBranch, Mobile Banking, and the 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. 22. Checking accounts are subject to monthly fees unless certain conditions are met. Please refer to our “Fees” brochure. This Part 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, direct deposits, automated teller machines (ATMs) and Visa Debit Card. Your acceptance, retention, or use of an ATM Card, Visa a Debit Card, Personal Identification Number (PIN) or other EFT 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, STAR, and Cirrus, Plus and such other systems as may be added from time to time; • Visa Credit Card cash advances at ATMs on the Visa network; • Online Banking (eBranch) and Mobile BankingOnline banking); • Visa Audio Response Telephone Banking (TouchTel-24); • 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. General disclosures applicable to all electronic services offered by us is given below, with certain specific disclosure information for each service following in separate sections. Your use of the electronic services is subject to our approval. GENERAL DISCLOSURES APPLICABLE TO ALL ELECTRONIC SERVICES Business Day Disclosure: Our business days are Monday through Friday, except federal holidays. Our business hours are 9:00 8:00 a.m. to 6:00 5 p.m. Pacific Standard Time on each business dayMonday through Friday, excluding federal holidays. Branch hours and holiday schedules may be obtained through our website (XxxxxxxxxXX.xxx) or by contacting us at 800-426- 1917over 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. eBranchTouchTel-24 telephone banking is generally available for your convenience 24 hours a day, Mobile Banking7 days a week, with minor interruptions for system maintenance or technical difficulties. Online Banking and the Xxxx Xxxxx Service (ePay) 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.