Common use of Eligibility for the Service Clause in Contracts

Eligibility for the Service. The Service is not a credit product and requires no application or credit approval process; it is a feature that is automatically included with eligible checking accounts (unless you opt out of the Service entirely as described below). Eligibility isat the sole discretion of the Credit Union and is based on you managing your checking account in a responsible manner. The Service is available for checking accounts for which the primary checking account owner is 18 years of age or older, is in good standing, and the checking account has been open for at least thirty (30) days with the applicable minimum balance requirement. We reserve the right to limit the Service to one (1) account per household or member. We may suspend or permanently revoke the Service from your checking account, in our sole and absolute discretion, based on any one or more of the following criteria: • You are not making regular deposits intoyour checking account; • You do not bring your checking account toa positive balance for at least one full business day within a thirty (30) day period; • Your membership is not in good standing; • You are more than thirty-one (31) days past due or arein default in any other respect on any loan or other obligation to us; • You have an outstanding balance due on an overdraft repayment plan; • Your checking account is subject to any legal or administrative orders or levies; • You have insufficient credit or negative credit history; • You are a party to a bankruptcy proceeding; • Any or all of your account(s) with us are being reviewed for improper activity or transactions; • Your checking account is classified as inactive; • You use the Service to pay items written to check cashing agencies; • You have an unresolved prior loss with us; • We do not have a valid mailing or email address for you; or • We believe you are not managing your checking account in a responsible manner which may harm you or us.

Eligibility for the Service. The Service is not a credit product and requires no application or credit approval process; it is a feature that is automatically included with eligible checking accounts (unless you I opt out of the Service entirely as described below). Eligibility isat is at the sole discretion of the Credit Union and is based on you me managing your my checking account in a responsible manner. The Service is available for checking accounts for which the primary checking account owner is 18 years of age or older, is in good standing, and the checking account has been open for at least thirty (30) days with the applicable minimum balance requirement. We You reserve the right to limit the Service to one (1) account per household or member. We You may suspend or permanently revoke the Service from your my checking account, in our your sole and absolute discretion, based on any one or more of the following criteria: • You are  I am not making regular deposits intoyour into my checking account; • You  I do not bring your my checking account toa to a positive balance within a fifteen (15) day period;  I do not bring my checking account to a positive balance for at least one full business day within a thirty (30) day period; • Your  My membership is not in good standing; • You are  I am more than thirty-one thirty (3130) days past due or arein am in default in any other respect on any loan or other obligation to usyou; • You  I have an outstanding balance due on an overdraft repayment plan; • Your  My checking account is subject to any legal or administrative orders or levies; • You  I have insufficient credit or negative credit or negative consumer report history; • You are  I am a party to a bankruptcy proceeding; •  Any or all of your my account(s) with us you are being reviewed for improper activity or transactions; • Your  My checking account is classified as inactive; • You  I use the Service to pay items written to check cashing agencies; • You  I have an unresolved prior loss with usyou; • We  You do not have a valid mailing or email address for youme; or • We  You believe you are I am not managing your my checking account in a responsible manner which may harm you me or usyou.

Eligibility for the Service. The Service is not a credit product and requires no application or credit approval process; it is a feature that is automatically included with eligible checking accounts (unless you I opt out of the Service entirely as described below). Eligibility isat is at the sole discretion of the Credit Union and is based on you me managing your my checking account in a responsible manner. The Service is available for checking accounts for which the primary checking account owner is 18 years of age or older, is in good standing, and the checking account has been open for at least thirty (30) days with the applicable minimum balance requirement. We You reserve the right to limit the Service to one (1) account per household or member. We You may suspend or permanently revoke the Service from your my checking account, in our your sole and absolute discretion, based on any one or more of the following criteria: • You are I am not making regular deposits intoyour into my checking account; • You I do not bring your my checking account toa to a positive balance within a fifteen (15) day period; • I do not bring my checking account to a positive balance for at least one full business day within a thirty (30) day period; • Your My membership is not in good standing; • You are I am more than thirty-one thirty (3130) days past due or arein am in default in any other respect on any loan or other obligation to usyou; • You I have an outstanding balance due on an overdraft repayment plan; • Your My checking account is subject to any legal or administrative orders or levies; • You I have insufficient credit or negative credit or negative consumer report history; • You are I am a party to a bankruptcy proceeding; • Any or all of your my account(s) with us you are being reviewed for improper activity or transactions; • Your My checking account is classified as inactive; • You I use the Service to pay items written to check cashing agencies; • You I have an unresolved prior loss with usyou; • We You do not have a valid mailing or email address for youme; or • We You believe you are I am not managing your my checking account in a responsible manner which may harm you me or usyou.

Eligibility for the Service. The Service is not a credit product and requires no application or credit approval process; it is a feature that is automatically included with eligible checking accounts (unless you opt out Opt-Out of the Service entirely as described below). Eligibility isat is at the sole discretion of the Credit Union and is based on you managing your checking account in a responsible manner. The Service is available for checking accounts for which the primary checking account owner is 18 eighteen (18) years of age or older, is in good standing, and the checking account has been open for at least thirty (30) days with the applicable minimum balance requirement. We reserve the right to limit the Service to one (1) account per household or member. We may suspend or permanently revoke the Service from your checking account, in our sole and absolute discretion, based on any one or more of the following criteria: • You are not making regular deposits intoyour into your checking account; • You do not bring your checking account toa to a positive balance for at least one full business day within a thirty (30) day period; • Your membership is not in good standing; • You are more than thirty-one (31) days past due or arein are in default in any other respect on any loan or other obligation to us; • You have an outstanding balance due on an overdraft repayment plan; • Your checking account is subject to any legal or administrative orders or levies; • You have insufficient credit or negative credit history; • You are a party to a bankruptcy proceeding; • Any or all of your account(s) with us are being reviewed for improper activity or transactions; • Your checking account is classified as inactive; • You use the Service to pay items written to check cashing agencies; • You have had excessive number of items returned for non-sufficient funds in a calendar year; • You have an unresolved prior loss with us; • We do not have a valid mailing or email address for you; or • We believe you are not managing your checking account in a responsible manner which may harm you or us.

Eligibility for the Service. The Service is not a credit product and requires no application or credit approval process; it is a feature that is automatically included with eligible checking accounts (unless you opt out of the Service entirely as described below). Eligibility isat is at the sole discretion of the Credit Union and is based on you managing your checking account in a responsible manner. The Service is available for checking accounts for which the primary checking account owner is 18 years of age or older, is in good standing, and the checking account has been open for at least thirty ninety (3090) days with the applicable minimum balance requirement. We reserve the right to limit the Service to one (1) account per household or member. We may suspend or permanently revoke the Service from your checking account, in our sole and absolute discretion, based on any one or more of the following criteria: • You are not making regular deposits intoyour into your checking account, of at least $1000 in the last 90 days; • You do not bring your checking account toa to a positive balance for at least one full business day within a thirty (30) day period; • Your membership is not in good standing; • You are more than thirtyforty-one five (3145) days past due or arein are in default in any other respect on any loan or other obligation to us; • You have an outstanding balance due on an overdraft repayment plan; • Your checking account is subject to any legal or administrative orders or levies; • You have insufficient credit or negative credit history; • You are a party to a bankruptcy proceeding; • Any or all of your account(s) with us are being reviewed for improper activity or transactions; • Your checking account is classified as inactive; • You use the Service to pay items written to check cashing agencieshas not had activity in more than 120 days; • You have an unresolved prior loss with us; • We do not have a valid mailing or email address for youyou • You have a foreign mailing address; or • We believe you are not managing your checking account in a responsible manner which may harm you or us.

Eligibility for the Service. The Service is not a credit product and requires no application or credit approval process; it is a feature that is automatically included with eligible checking accounts (unless you opt out unlessyouOpt-Out of the Service entirely Serviceentirely as described below). Eligibility isat is at the sole discretion of the Credit Union and is based on you managing your checking onyoumanagingyourchecking account in a responsible manner. The Service is inaresponsiblemanner.TheServiceis available for checking accounts for which the primary checking account owner is 18 eighteen (18) years of age or older, orolder,is in good standing, and the checking account has thecheckingaccounthas been open for at least thirty (30) days with the applicable minimum balance requirement. We reserve the right to limit the Service to one (1) account 1)account per household or householdor member. We may suspend or permanently revoke the Service from your checking account, in our sole and absolute discretionabsolutediscretion, based on any one or more of the following criteria: • You are not making regular deposits intoyour checking into yourchecking account; • You do not bring your checking yourchecking account toa to a positive balance for at least one full business day within a thirty (30) day fullbusinessdaywithin athirty(30)day period; • Your membership is not in good standing; • You are more than thirty-one (31) days past due or arein are in default in any other respect on any loan or other obligation to us; • You have Youhave an outstanding balance due on outstandingbalancedueon an overdraft repayment planoverdraftrepaymentplan; • Your checking account checkingaccount is subject to any legal or administrative orders administrativeorders or levies; • You have Youhave insufficient credit or negative credit history; • You are a party to a bankruptcy proceeding; • Any or all of your account(s) with us are being reviewed for improper activity Anyorallofyouraccount(s)withus arebeingreviewedforimproperactivity or transactions; • Your checking account is classified as Yourcheckingaccountisclassifiedas inactive; • You use the Service to pay items written to check cashing agencies; • You have had excessive number of items returned for non-sufficient funds in a calendar year; • You have an unresolved prior loss with us; • We do not have a valid mailing or email address for you; or • We believe you are not managing your checking account in a responsible manner which may harm you or us.or

Eligibility for the Service. The Service is not a credit product and requires no application or credit approval process; it is a feature that is automatically included with eligible checking accounts (unless you opt out Opt- Out of the Service entirely as described below). Eligibility isat is at the sole discretion of the Credit Union and is based on you managing your checking account in a responsible manner. The Service is available for checking accounts for which the primary checking account owner is 18 eighteen (18) years of age or older, is in good standing, and the checking account has been open for at least thirty (30) days with the applicable minimum balance requirement. We reserve the right to limit the Service to one (1) account per household or member. We may suspend or permanently revoke the Service from your checking account, in our sole and absolute discretion, based on any one or more of the following criteria: • You are not making regular deposits intoyour into your checking account; • You do not bring your checking account toa to a positive balance for at least one full business day within a thirty (30) day period; • Your membership is not in good standing; • You are more than thirty-one (31) days past due or arein are in default in any other respect on any loan or other obligation to us; • You have an outstanding balance due on an overdraft repayment plan; • Your checking account is subject to any legal or administrative orders or levies; • You have insufficient credit or negative credit history; • You are a party to a bankruptcy proceeding; • Any or all of your account(s) with us are being reviewed for improper activity or transactions; • Your checking account is classified as inactive; • You use the Service to pay items written to check cashing agencies; • You have had excessive number of items returned for non- sufficient funds in a calendar year; • You have an unresolved prior loss with us; • We do not have a valid mailing or email address for you; or • We believe you are not managing your checking account in a responsible manner which may harm you or us.

Eligibility for the Service. The Service is not a credit product and requires no application or credit approval process; it is a feature that is automatically included with eligible checking accounts (unless you opt out of the Service entirely as described below). Eligibility isat is at the sole discretion of the Credit Union and is based on you managing your checking account in a responsible manner. The Service is available for checking accounts for which the primary checking account owner is 18 years of age or older, is in good standing, and the checking account has been open for at least thirty (30) days with the applicable minimum balance requirement. We reserve the right to limit the Service to one (1) account per household or member. We may suspend or permanently revoke the Service from your checking account, in our sole and absolute discretion, based on any one or more of the following criteria: •  You are not making regular deposits intoyour into your checking account; •  You do not bring your checking account toa to a positive balance for at least one full business day within a thirty (30) day period; •  Your membership is not in good standing; •  You are more than thirty-one thirty (3130) days past due or arein are in default in any other respect on any loan or other obligation to us; •  You have an outstanding balance due on an overdraft repayment plan; •  Your checking account is subject to any legal or administrative orders or levies; •  You have insufficient credit or negative credit history; •  You are a party to a bankruptcy proceeding; •  Any or all of your account(s) with us are being reviewed for improper activity or transactions; •  Your checking account is classified as inactive; •  You use the Service to pay items written to check cashing agencies; •  You have an unresolved prior loss with us; •  We do not have a valid mailing or email address for you; or •  We believe you are not managing your checking account in a responsible manner which may harm you or us.

Eligibility for the Service. The Service is not a credit product and requires no application or credit approval process; it is a feature that is automatically included with eligible checking accounts (unless you opt out of the Service entirely as described below). Eligibility isat is at the sole discretion of the Credit Union and is based on you managing your checking account in a responsible manner. The Service is available for checking accounts for which the primary checking account owner is 18 years of age or older, is in good standing, and the checking account has been open for at least thirty (30) days with the applicable minimum balance requirement. We reserve the right to limit the Service to one (1) account per household or member. We may suspend or permanently revoke the Service from your checking account, in our sole and absolute discretion, based on any one or more of the following criteria: • You are not making regular deposits intoyour into your checking account; • You do not bring your checking account toa to a positive balance for at least one full business day within a thirty (30) day period; • Your membership is not in good standing; • You are more than thirty-one thirty (3130) days past due or arein are in default in any other respect on any loan or other obligation to us; • You have an outstanding balance due on an overdraft repayment plan; • Your checking account is subject to any legal or administrative orders or levies; • You have insufficient credit or negative credit history; • You are a party to a bankruptcy proceeding; • Any or all of your account(s) with us are being reviewed for improper activity or transactions; • Your checking account is classified as inactive; • You use the Service to pay items written to check cashing agencies; • You have an unresolved prior loss with us; • We do not have a valid mailing or email address for you; or • We believe you are not managing your checking account in a responsible manner which may harm you or us.

Eligibility for the Service. The Service is not a credit product and requires no application or credit approval process; it is a feature that is automatically included with eligible checking accounts (unless you opt out of the Service entirely as described below). Eligibility isat is at the sole discretion of the Credit Union and is based on you managing your checking account in a responsible manner. The Service is available for checking accounts for which the primary checking account owner is 18 years of age or older, is in good standing, and the checking account has been open for at least thirty (30) days with the applicable minimum balance requirement. We reserve the right to limit the Service to one (1) account per household or member. We may suspend or permanently revoke the Service from your checking account, in our sole and absolute discretion, based on any one or more of the following criteria: • You are not making regular deposits intoyour into your checking account; • You do not bring your checking account toa to a positive balance for at least one full business day within a thirty (30) day period; • Your membership is not in good standing; • You are more than thirty-one (31) days past due or arein are in default in any other respect on any loan or other obligation to us; • You have an outstanding balance due on an overdraft repayment plan; • Your checking account is subject to any legal or administrative orders or levies; • You have insufficient credit or negative credit history; • You are a party to a bankruptcy proceeding; • Any or all of your account(s) with us are being reviewed for improper activity or transactions; • Your checking account is classified as inactive; • You use the Service to pay items written to check cashing agencies; • You have had more than 12 items returned for non-sufficient funds in a calendar year; • You have an unresolved prior loss with us; • We do not have a valid mailing or email address for you; or • We believe you are not managing your checking account in a responsible manner which may harm you or us.