Common use of Eligibility for the Service Clause in Contracts

Eligibility for the Service. Eligibility 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 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. 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 The Service is a privilege that the Credit Union provides from time to time and which may be withdrawn or withheld by the Credit Union at any time, without prior notice, reason or cause.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, 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. Courtesy Pay Fees A Courtesy Pay Fee will be charged to your checking account, in accordance with our Schedule of Fees 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. Refer to the Schedule of Fees and daily fee limit amounts. 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 as set forth herein 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 subject to a NSF Fee for each such item in accordance with our Schedule of Fees. Your periodic statement will itemize Courtesy Pay 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 I opt out of the Service entirely as described below). Eligibility 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 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:  I am not making regular deposits into my checking account;  I do not bring my checking account 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;  My membership is not in good standing;  I am more than thirty (30) days past due or am in default in any other respect on any loan or other obligation to you;  I have an outstanding balance due on an overdraft repayment plan;  My checking account is subject to any legal or administrative orders or levies;  I have insufficient credit or negative credit or negative consumer report history;  I am a party to a bankruptcy proceeding;  Any or all of my account(s) with you are being reviewed for improper activity or transactions;  My checking account is classified as inactive;  I use the Service to pay items written to check cashing agencies;  I have an unresolved prior loss with you;  You do not have a valid mailing or email address for me; or  You believe I am not managing my checking account in a responsible manner which may harm me or you. The Service is a benefit benefit. Any payment made by us you under the Service will be made on a case-by-by- case basis, in our your sole and absolute discretion. The Service does not constitute an actual or implied agreement between you 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. How the Service is Administered If you are eligible for the Service, 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. Courtesy Pay Fees A Courtesy Pay Fee will be charged to your checking account, in accordance with our Schedule of Fees 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. Refer to the Schedule of Fees and daily fee limit amounts. 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 as set forth herein 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 subject to a NSF Fee for each such item in accordance with our Schedule of Fees. Your periodic statement will itemize Courtesy Pay 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 I opt out of the Service entirely as described below). Eligibility 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 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: • I am not making regular deposits into my checking account; • I do not bring my checking account 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; • My membership is not in good standing; • I am more than thirty (30) days past due or am in default in any other respect on any loan or other obligation to you; • I have an outstanding balance due on an overdraft repayment plan; • My checking account is subject to any legal or administrative orders or levies; • I have insufficient credit or negative credit or negative consumer report history; • I am a party to a bankruptcy proceeding; • Any or all of my account(s) with you are being reviewed for improper activity or transactions; • My checking account is classified as inactive; • I use the Service to pay items written to check cashing agencies; • I have an unresolved prior loss with you; • You do not have a valid mailing or email address for me; or • You believe I am not managing my checking account in a responsible manner which may harm me or you. The Service is a benefit benefit. Any payment made by us you under the Service will be made on a case-by-case basis, in our your sole and absolute discretion. The Service does not constitute an actual or implied agreement between you 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 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, 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. Courtesy Pay Fees A Courtesy Pay Fee will be charged to your checking account, in accordance with our Schedule of Fees 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. Refer to the Schedule of Fees and daily fee limit amounts. 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 as set forth herein 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 subject to a NSF Fee for each such item in accordance with our Schedule of Fees. Your periodic statement will itemize Courtesy Pay Fees and NSF Fees for each cycle, as well as the year-to-date total of fees.