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 me or you. The Service is a benefit. Any payment made by you under the Service will be made on a case-by- case basis, in your sole and absolute discretion. The Service does not constitute an actual or usimplied agreement between me and the Credit Union, nor does it constitute an actual or implied obligation of the Credit Union. The Service is a privilege that the Credit Union provides from time to time and which may be withdrawn or withheld by the Credit Union at any time, without prior notice, reason or cause.

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 thirty-one (3031) 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 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. The Service is a benefit. Any payment made by us under the Service will be made on a case-by-case basis, in our sole and absolute discretion. The Service does not constitute an actual or implied agreement between you and the Credit Union, nor does it constitute an actual or implied obligation of the Credit Union. The Service is a privilege that the Credit Union provides from time to time and which may be withdrawn or withheld by the Credit Union at any time, without prior notice, reason or cause. How the Service is Administered. If you are eligible for the Service, we will generally pay your overdraft items up to a maximum of $1,000, including fees. You acknowledge and agree that we reserve the right to limit the number of checks or other items/transactions that may be paid by us through the Service during any given month. In our sole discretion, we may notify you by mail, or, if you have agreed to receive notices from us in an electronic format, you may be notified electronically, of any nonsufficient funds checks, items or other transactions that have been paid or returned; however, we are not required to so notify you. You also acknowledge and agree that we have no obligation to notify you before we pay or return any check, item or other transaction. We may refuse to pay any overdrafts without first notifying you even though your account is in good standing and even if we have paid previous overdrafts. When is the overdraft payment due? The total of the overdraft (negative) balance in your checking account, including any and all fees and charges, is due and payable upon demand, and you are required to immediately deposit sufficient funds to cover the overdraft paid by us and pay the related fees. Overdraft Privilege Fees. An Overdraft Privilege Fee of $30 will be charged to your checking account for each overdraft that is authorized and paid through the Service. This means that more than one Overdraft Privilege Fee may be assessed against your checking account per day depending upon the number of overdrafts authorized and paid through the Service. You understand that your Overdraft Privilege Limit will be reduced by the amount of each overdraft paid by us through the Service and the amount of the related Overdraft Privilege Fee imposed until such amounts are repaid by you as set forth herein at which time we may replenish your Overdraft Privilege Limit by the amount of the repayment. If we choose not to pay the item/ transaction under the Service, you are subject to a NSF Fee of $30 for each such item in accordance with our Schedule of Fees. Your periodic statement will itemize Overdraft Privilege Fees and NSF Fees for each cycle, as well as the year-to-date total of fees.

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 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 (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.

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 mannerUnion. 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 forty-five (3045) 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) accounts 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; agencies or gambling institutions. • You have had more than twenty-four (24) 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. THE SERVICE IS A BENEFIT ANY PAYMENT MADE BY US UNDER THE SERVICE WILL BE MADE ON A CASE-BY-CASE BASIS, IN OUR SOLE AND ABSOLUTE DISCRETION. THE SERVICE DOES NOT CONSTITUTE AN ACTUAL OR IMPLIED AGREEMENT BETWEEN YOU AND US, NOR DOES IT CONSTITUTE AN ACTUAL OR IMPLIED OBLIGATION OF THE CREDIT UNION. THE SERVICE IS A PRIVILEGE THAT THE CREDIT UNION PROVIDES FROM TIME TO TIME AND WHICH MAY BE WITHDRAWN OR WITHHELD BY THE CREDIT UNION AT ANY TIME, WITHOUT PRIOR NOTICE, REASON OR CAUSE. Courtesy Pay Limit If you are eligible for the Service, we will generally pay your overdraft items up to a maximum of $500, including fees. You acknowledge and agree that we reserve the right to limit the number of checks or other items/transactions that may be paid by us through the Service during any given month. In our sole discretion, we may notify you by mail, or, if you have agreed to receive notices from us in an electronic format, you may be notified electronically, of any nonsufficient funds checks, items or other transactions that have been paid or returned; however, we are not required to so notify you. You also acknowledge and agree that we have no obligation to notify you before we pay or return any check, item, or other transaction. We may refuse to pay any overdrafts without first notifying you even though your account is in good standing and even if we have paid previous overdrafts. When is the overdraft payment due? The total of the overdraft (negative) balance in your checking account, including all fees, is due and payable upon demand, and you are required to immediately deposit sufficient funds to bring the account to a positive balance. Courtesy Pay Fees A Courtesy Pay Fee of $25.00 will be charged to your checking account, in accordance with our Fee Schedule, for each overdraft that is authorized and paid through the Service. This means that more than one Courtesy Pay Fee may be assessed against your checking account per day depending upon the number of overdrafts authorized and paid through the Service. You understand that your Courtesy Pay Limit will be reduced by the amount of each overdraft paid by us through the Service and the amount of the related Courtesy Pay Fee imposed until such amounts are repaid by you at which time we may replenish your Courtesy Pay Limit by the amount of the repayment. If we choose not to pay the item/transaction under the Service, you are typically subject to a NSF Item Fee of $25.00 for each such item in accordance with our Fee Schedule. Your periodic statement will itemize Courtesy Pay Fees and NSF Fees for each cycle, as well as the year-to-date total of fees. NSF Transactions If your account does not have sufficient available funds when a transaction or item is presented to us for payment and, as a result, returned unpaid, the merchant or payee of your transaction or item may choose to resubmit the same transaction, and may do so multiple times. In the event a transaction or item is resubmitted for payment at a time when your account lacks sufficient available funds to pay it and we decline it, we will charge a related NSF fee for each such resubmitted item each time that same transaction is returned unpaid, or a Courtesy Pay Fee if a resubmitted item is paid when your account lacks sufficient available funds to pay it.

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; • 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 A ChexSystems or any other negative credit historyindicator has been reported to us; • 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. The Service is a benefit. Any payment made by us under the Service will be made on a case-by-case basis, in our sole and absolute discretion. The Service does not constitute an actual or implied agreement between you and the Credit Union, nor does it constitute an actual or implied obligation of the Credit Union. The Service is a privilege that the Credit Union provides from time to time and which may be withdrawn or withheld by the Credit Union at any time, without prior notice, reason or cause. How the Service is Administered. If you are eligible for the Service, we will generally pay your overdraft items up to $800, including fees. You will be notified by mail, or, if you have agreed to receive notices from us in an electronic format, you will be notified electronically, of any nonsufficient funds checks, items or other transactions that have been paid or returned; however, you understand that we have no obligation to notify you before we pay or return any check, item or other transaction. We may refuse to pay any overdrafts without first notifying you even though your account is in good standing and even if we have paid previous overdrafts. When is the overdraft payment due? The total of the overdraft (negative) balance in your checking account, including any and all fees and charges, is due and payable upon demand, and you are required to immediately deposit sufficient funds to cover the overdraft paid by us and pay the related fees. Safety Net Fees. A Safety Net Fee of $25 will be charged to your checking account, in accordance with our Schedule of Fees and Charges, for each overdraft that is authorized and paid through the Service. This means that more than one Safety Net Fee may be assessed against your checking account per day depending upon the number of overdrafts authorized and paid through the Service. Refer to the Schedule of Fees and Charges for the tiered fee structure and daily fee limit amounts. You understand that your Safety Net Limit will be reduced by the amount of each overdraft paid by us through the Service and the amount of the related Safety Net Fee imposed until such amounts are repaid by you as set forth herein at which time we may replenish your Safety Net Limit by the amount of the repayment. If we choose not to pay the item/transaction under the Service, you are subject to a Nonsufficient Funds (NSF) Fee for each such item in accordance with our Schedule of Fees and Charges. Your periodic statement will itemize Safety Net Fees and NSF Fees for each cycle, as well as the year-to-date total of fees.

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 Eligibility 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 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 thirty-one (3031) days with the applicable minimum balance requirement, and direct deposit of $500 minimum for 65 days or more. 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 two (2) or more Direct Deposits of $500 minimum into your checking accountaccount for 65 days or more; • 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 historyhistory and a Negative ChexSystems record; • 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 have had more than fifteen (15) items written to check cashing agenciesreturned for non- sufficient funds in a calendar year; • You have an unresolved prior loss with usus (charge-off); • 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. The Service is a benefit. Any payment made by us under the Service will be made on a case-by-case basis, in our sole and absolute discretion. The Service does not constitute an actual or implied agreement between you and the Credit Union, nor does it constitute an actual or implied obligation of the Credit Union. The Service is a privilege that the Credit Union provides from time to time and which may be withdrawn or withheld by the Credit Union at any time, without prior notice, reason or cause.

Eligibility for the Service. The Service Eligibility 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 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 thirty-one (3031) days with the applicable minimum balance requirement, and direct deposit of $500 minimum for 65 days or more. 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 two (2) or more Direct Deposits of $500 minimum into your checking accountaccount for 65 days or more; • 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 historyhistory and a Negative ChexSystems record ; • 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 have had more than fifteen (15) items written to check cashing agenciesreturned for non- sufficient funds in a calendar year; • You have an unresolved prior loss with usus (charge-off); • 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. The Service is a benefit. Any payment made by us under the Service will be made on a case-by-case basis, in our sole and absolute discretion. The Service does not constitute an actual or implied agreement between you and the Credit Union, nor does it constitute an actual or implied obligation of the Credit Union. The Service is a privilege that the Credit Union provides from time to time and which may be withdrawn or withheld by the Credit Union at any time, without prior notice, reason or cause.

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