Common use of EMT SERVICES Clause in Contracts

EMT SERVICES. If we, through Direct Services, make EMT Services available and you use the EMT Services, you acknowledge and agree that: a. the EMT Services are only available in Canadian dollars; b. the Account will be debited as soon as you initiate a Transaction, and we may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to you; d. we will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by us, any Third Party Service Provider, or a Participating Financial Institution; e. an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible after you originate the Transaction; f. as the sender, you will keep the EMT Answer, if applicable, confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to correctly provide the EMT Answer to claim the Transaction; h. we, the other Participating Financial Institution, and any Third Party Service Providers are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, successfully provides the EMT Answer; i. we will not be liable for any cost, expense, loss, damage or inconvenience of any nature or kind whatsoever incurred as a result of a Third Party, other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this Agreement; j. as the sender, you will not include the EMT Answer in the Transaction details; k. as the recipient, you will not disclose the EMT Answer except as required to claim the transfer; l. the recipient may claim a Transaction using the online banking services of the Credit Union or another Participating Financial Institution or through the Third Party Service Provider payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. if the recipient declines a Transaction that you initiated, the Transaction will be returned to you;

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you You use the EMT Services, you You acknowledge and agree that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you You initiate a Transaction, and we We may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we We are deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youYou; d. we d) We will not be responsible or liable for any losses or damages incurred as a result of funds held and/or and limits set by usUs, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you You originate the Transaction; f. f) as the sender, you You will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; h) We, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) We will not be liable for losses or damages incurred as a result of a person other than the intended recipient guessing or obtaining the EMT Answer; j) as the sender, You will not include the EMT Answer in the Transaction details; k) as the recipient, You will not disclose the EMT Answer except as required to claim or decline the transfer; l) the recipient may claim a Transaction using Our online banking services or another Participating Financial Institution or through the Acxsys Corporation payment service; m) if the recipient declines a Transaction that You initiated, the Transaction will be returned to You; n) funds usually arrive in the recipient’s account within 3 to 5 business days from the day the recipient successfully claims the Transaction. We cannot guarantee the date of deposit; o) as the sender, the Transaction will be returned to You if the recipient does not claim the Transaction within 30 days of the date the transfer is initiated, if the Transaction cannot be successfully sent to the recipient’s EMT Contact Information as provided by You, or if the recipient declines the Transaction. You are responsible for providing the recipient’s correct EMT Contact Information and further agree that the recipient has consented to Your use of the EMT Contact Information for EMT Services purposes, including its provision to Us, the other Participating Financial Institution, and Acxsys Corporation; p) if the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Acxsys Corporation or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. We will not pay interest on the Transaction amount; q) We may cancel a Transaction if We have reason to believe that a mistake has occurred or if We believe that the Transaction is a product of unlawful or fraudulent activity; r) You are responsible for providing a valid EMT Contact Information and will immediately update it via Direct Services if there are any changes to the EMT Contact Information; s) as the sender, You may cancel a Transaction up to the time before the recipient successfully claims the Transaction. As the recipient, You acknowledge that a Transaction may be cancelled up to the time You successfully claim the Transaction; t) all disputes will be handled directly between the sender and the recipient without the participation of the Financial Institution or any other party; u) We may refuse to provide EMT Services for You; and v) We will not be liable for any cost, expense, loss, damage damage, or inconvenience of any nature or kind whatsoever incurred arising as a result of a Third Party, delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this Agreement; j. as the sender, you will not include the EMT Answer in the Transaction details; k. as the recipient, you will not disclose the EMT Answer except as required to claim the transfer; l. the recipient may claim a Transaction using the online banking services of the Credit Union or another Participating Financial Institution or through the Third Party Service Provider payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. if the recipient declines a Transaction that you initiated, the Transaction will be returned to you;.

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, Transaction and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. j) as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. k) as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transferTransaction; l. l) the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor;

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, Transaction and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. j) as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. k) as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transferTransaction; l. l) the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor; n) funds usually arrive in the recipient’s account within 3 to 5 business days from the day the recipient successfully claims the Transaction. The Financial Institution cannot guarantee the date of deposit; o) as the sender, the Transaction will be returned to the Depositor if the recipient does not claim the Transaction within 30 days of the date the Transaction is initiated, if the Transaction cannot be successfully sent to the recipient’s EMT Contact Information as provided by the Depositor, or if the recipient declines the Transaction. The Depositor is responsible for providing the recipient’s correct EMT Contact Information and further agrees that the recipient has consented to the Depositor’s use of the EMT Contact Information for EMT Services purposes, including its provision to the Financial Institution, the other Participating Financial Institution, and Acxsys Corporation; p) if the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Acxsys Corporation or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. The Financial Institution will not pay interest on the Transaction amount; q) the Financial Institution may cancel a Transaction if it has reason to believe that a mistake has occurred or if it believes that the Transaction is a product of unlawful or fraudulent activity; r) the Depositor is responsible for providing valid EMT Contact Information and will immediately update it via Direct Services if there are any changes to said EMT Contact Information; s) as the sender, the Depositor may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient, the Depositor acknowledges that a Transaction may be cancelled up to the time the Depositor successfully claims the Transaction; t) all disputes will be handled directly between the sender and the recipient; u) the Financial Institution may refuse to provide EMT Services for the Depositor; and v) the Financial Institution and Central 1 will not be liable for any cost, expense, loss, damage, or inconvenience of any nature or kind whatsoever arising as a result of a delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient.

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation's agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. j) as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. k) as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transfer; l. l) the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor; n) funds usually arrive in the recipient's account within 3 to 5 business days from the day the recipient successfully claims the Transaction. The Financial Institution cannot guarantee the date of deposit; o) as the sender, the Transaction will be returned to the Depositor if the recipient does not claim the Transaction within 30 days of the date the transfer is initiated, if the Transaction cannot be successfully sent to the recipient's EMT Contact Information as provided by the Depositor, or if the recipient declines the Transaction. The Depositor is responsible for providing the recipient's correct EMT Contact Information and further agrees that the recipient has consented to the Depositor's use of the EMT Contact Information for EMT Services purposes, including its provision to the Financial Institution, the other Participating Financial Institution, and Acxsys Corporation; p) if the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Acxsys Corporation or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. The Financial Institution will not pay interest on the Transaction amount; q) the Financial Institution may cancel a Transaction if it has reason to believe that a mistake has occurred or if it believes that the Transaction is a product of unlawful or fraudulent activity; r) the Depositor is responsible for providing a valid EMT Contact Information and will immediately update it via Direct Services if there are any changes to said EMT Contact Information; s) as the sender, the Depositor may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient, the Depositor acknowledges that a Transaction may be cancelled up to the time the Depositor successfully claims the Transaction; t) all disputes will be handled directly between the sender and the recipient; u) the Financial Institution may refuse to provide EMT Services for the Depositor; and v) the Financial Institution will not be liable for any cost, expense, loss, damage, or inconvenience of any nature or kind whatsoever arising as a result of a delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient.

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, Transaction and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. j) as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. k) as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transferTransaction; l. l) the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor; n) funds usually arrive in the recipient’s account within 3 to 5 business days from the day the recipient successfully claims the Transaction. The Financial Institution cannot guarantee the date of deposit; o) as the sender, the Transaction will be returned to the Depositor if the recipient does not claim the Transaction within 30 days of the date the Transaction is initiated, if the Transaction cannot be successfully sent to the recipient’s EMT Contact Information as provided by the Depositor, or if the recipient declines the Transaction. The Depositor is responsible for providing the recipient’s correct EMT Contact Information and further agrees that the recipient has consented to the Depositor’s use of the EMT Contact Information for EMT Services purposes, including its provision to the Financial Institution, the other Participating Financial Institution, and Acxsys Corporation; p) if the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Acxsys Corporation or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. The Financial Institution will not pay interest on the Transaction amount; q) the Financial Institution may cancel a Transaction if it has reason to believe that a mistake has occurred or if it believes that the Transaction is a product of unlawful or fraudulent activity; r) the Depositor is responsible for providing valid EMT Contact Information and will immediately update it via Direct Services if there are any changes to said EMT Contact Information; s) as the sender, the Depositor may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient, the Depositor acknowledges that a Transaction may be cancelled up to the time the Depositor successfully claims the Transaction; t) all disputes will be handled directly between the sender and the recipient; u) the Financial Institution may refuse to provide EMT Services for the Depositor; and v) the Financial Institution and Central 1 will not be liable for any cost, expense, loss, damage, or inconvenience of any nature or kind whatsoever arising as a result of a delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient.

EMT SERVICES. If we, the Credit Union through Direct Services, make Services makes EMT Services available and you use the Trustee uses the EMT Services, you acknowledge the Trustee acknowledges and agree agrees that: a. a) the EMT Services are Service is only available in Canadian dollars;, b. b) the Account will be debited as soon as you initiate when the Trustee initiates a Transaction, transfer and we may the Credit Union will hold the Transaction transfer amount until the recipient successfully claims the Transaction transfer or the Transaction transfer is cancelled. We have no obligation to and The Credit Union will not pay interest on the Transaction transfer amount. To the extent permitted at law, we are deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled;, c. Transactions c) transfers sent and received through the EMT Services Service are subject to number and dollar limits that may change from time to time without prior notice to you;the Trustee, d. we d) the Credit Union will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Credit Union, any Third Party Service ProviderCertaPay, or a Participating Financial Institution;, e. e) an EMT Notice email notice advising the recipient of the Transaction transfer will be generated as soon as reasonably possible approximately 30 minutes after you originate the Transaction;Trustee originates the transfer, f. f) as the sender, you the Trustee will keep the EMT Answer, if applicable, Email Money Transfer Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to , g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Email Money Transfer Answer to claim or decline the Transaction; h. wetransfer, h) the Credit Union, the other Participating Financial Institution, and any Third Party Service Providers CertaPay or CertaPay's agents, are entitled to pay the Transaction transfer amount to anyone who, using the EMT ServicesService, claims to be the recipient and, if applicable, and successfully provides the EMT Email Money Transfer Answer;, i. we i) the Credit Union will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful ActivityEmail Money Transfer Answer, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this Agreement; j. j) as the sender, you the Trustee will not include the EMT Email Money Transfer Answer in the Transaction transfer details; k. , k) as the recipient, you the Trustee will not disclose the EMT Email Money Transfer Answer except as required to claim or decline the transfer; l. , l) the recipient may claim a Transaction transfer using the online banking services of the Credit Union or another Participating Financial Institution or through the Third Party Service Provider CertaPay payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient;, m. m) if the recipient declines a Transaction transfer that you the Trustee initiated, the Transaction transfer will be returned to you;the Trustee, n) funds usually arrive in the recipient's account within three to five business days from the day the recipient successfully claims the transfer. The Credit Union cannot guarantee the date of deposit, o) as the sender, the transfer will be returned to the Trustee if the recipient does not claim the transfer within 30 days of the date the transfer is initiated, if the transfer cannot be successfully sent to the recipient's email address, as provided by the Trustee or if the recipient declines the transfer. The Trustee is responsible for providing the recipient's correct email address and further agrees that the recipient has consented to the Trustee's use of the email address for EMT Services purposes, including its provision to the Credit Union, the other Participating Financial Institution and CertaPay, p) if the recipient successfully claims the transfer using the CertaPay payment service but provides incorrect account information, CertaPay or its agent may request correct account information from the recipient or may mail a cheque to the recipient. The Credit Union will not pay interest on the transfer amount, q) the Credit Union may cancel a transfer if it has reason to believe that a mistake has occurred or if it believes that the transfer is a product of unlawful or fraudulent activity, r) the Trustee is responsible for providing a valid email address and will immediately update it via Direct Services if there are any changes to said email address, s) as the sender, the Trustee may cancel a transfer up to the time the recipient successfully claims the transfer. As the recipient, the Trustee acknowledges that a transfer may be cancelled up to the time the Trustee successfully claims the transfer, t) all disputes will be handled directly between the sender and the recipient, u) the Credit Union may refuse to provide EMT Services for the Trustee, v) the Credit Union will not be liable for any cost, expense, loss, damage, or inconvenience of any nature or kind whatsoever arising as a result of a delay in processing a transfer or for transfers claimed by someone other than the intended recipient.

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you You use the EMT Services, you You acknowledge and agree that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you You initiate a Transaction, and we We may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we We are deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youYou; d. we d) We will not be responsible or liable for any losses or damages incurred as a result of funds held and/or and limits set by usUs, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you You originate the Transaction; f. f) as the sender, you You will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; h) We, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) We will not be liable for losses or damages incurred as a result of a person other than the intended recipient guessing or obtaining the EMT Answer; j) as the sender, You will not include the EMT Answer in the Transaction details; k) as the recipient, You will not disclose the EMT Answer except as required to claim or decline the transfer; l) the recipient may claim a Transaction using Our online banking services or another Participating Financial Institution or through the Acxsys Corporation payment service; m) if the recipient declines a Transaction that You initiated, the Transaction will be returned to You; n) funds usually arrive in the recipient’s account within 3 to 5 business days from the day the recipient successfully claims the Transaction. We cannot guarantee the date of deposit; o) as the sender, the Transaction will be returned to You if the recipient does not claim the Transaction within 30 days of the date the transfer is initiated, if the Transaction cannot be successfully sent to the recipient’s EMT Contact Information as provided by You, or if the recipient declines the Transaction. You are responsible for providing the recipient’s correct EMT Contact Information and further agree that the recipient has consented to Your use of the EMT Contact Information for EMT Services purposes, including its provision to Us, the other Participating Financial Institution, and Acxsys Corporation; p) if the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Acxsys Corporation or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. We will not pay interest on the Transaction amount; q) We may cancel a Transaction if We have reason to believe that a mistake has occurred or if We believe that the Transaction is a product of unlawful or fraudulent activity; r) You are responsible for providing a valid EMT Contact Information and will immediately update it via Direct Services if there are any changes to the EMT Contact Information; s) as the sender, You may cancel a Transaction up to the time before the recipient successfully claims the Transaction. As the recipient, You acknowledge that a Transaction may be cancelled up to the time You successfully claim the Transaction; t) all disputes will be handled directly between the sender and the recipient without the participation of the Financial Institution or any other party; u) We may refuse to provide EMT Services for You; and v) We will not be liable for any cost, expense, loss, damage damage, or inconvenience of any nature or kind whatsoever incurred arising as a result of a Third Party, delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this Agreement; j. as the sender, you will not include the EMT Answer in the Transaction details; k. as the recipient, you will not disclose the EMT Answer except as required to claim the transfer; l. the recipient may claim a Transaction using the online banking services of the Credit Union or another Participating Financial Institution or through the Third Party Service Provider payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. if the recipient declines a Transaction that you initiated, the Transaction will be returned to you;.

EMT SERVICES. If we, through Direct Services, make EMT Services available and you use the EMT Services, you acknowledge and agree that: a. the EMT Services are only available in Canadian dollars; b. the Account will be debited as soon as you initiate a Transaction, and we may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to you; d. we will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by us, any Third Party Service Provider, or a Participating Financial Institution; e. an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible after you originate the Transaction; f. as the sender, you will keep the EMT Answer, if applicable, confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to correctly provide the EMT Answer to claim or decline the Transaction; h. we, the other Participating Financial Institution, and any Third Party Service Providers are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, successfully provides the EMT Answer; i. we will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. as the sender, you will not include the EMT Answer in the Transaction details; k. as the recipient, you will not disclose the EMT Answer except as required to claim or decline the transfer; l. the recipient may claim a Transaction using the online banking services of the Credit Union or another Participating Financial Institution or through the Third Party Service Provider payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. if the recipient declines a Transaction that you initiated, the Transaction will be returned to you;

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. the a) EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction amount or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction amount or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction amount will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. weTransaction amount; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) the Financial Institution will not be liable for losses or damages incurred as a result of a person other than the intended recipient guessing or obtaining the EMT Answer; j) as the sender, the Depositor will not include the EMT Answer in the Transaction details; k) as the recipient, the Depositor will not disclose the EMT Answer except as required to claim or decline the Transaction; l) the recipient may claim a Transaction amount using the online banking services of the Financial Institution or another Participating Financial Institution or through the Acxsys Corporation payment service; m) if the recipient declines a Transaction that the Depositor initiated, the Transaction will be returned to the Depositor; n) funds usually arrive in the recipient's account within 3 to 5 business days from the day the recipient successfully claims the Transaction. The Financial Institution cannot guarantee the date of deposit; o) if the Depositor is the sender, the Transaction will be returned to the Depositor if the recipient does not claim the Transaction within 30 days of the date the Transaction is initiated, if the Transaction cannot be successfully sent to the recipient's EMT Contact Information as provided by the Depositor, or if the recipient declines the Transaction. The Depositor is responsible for providing the recipient's correct EMT Contact Information and further agrees that the recipient has consented to the Depositor's use of the EMT Contact Information for EMT Services purposes, including its provision to the Financial Institution, the other Participating Financial Institution, and Acxsys Corporation; p) if the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Acxsys Corporation or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. The Financial Institution will not pay interest on the Transaction amount; q) the Financial Institution may cancel a Transaction if it has reason to believe that a mistake has occurred or if it believes that the Transaction is a product of unlawful or fraudulent activity; r) the Depositor is responsible for providing valid EMT Contact Information and will immediately update it via Direct Services if there are any changes to said EMT Contact Information; s) as the sender, the Depositor may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient, the Depositor acknowledges that a Transaction may be cancelled up to the time the Depositor successfully claims the Transaction; t) all disputes will be handled directly between the sender and the recipient; u) the Financial Institution may refuse to provide EMT Services for the Depositor; and v) the Financial Institution and Central 1 will not be liable for any cost, expense, loss, damage damage, or inconvenience of any nature or kind whatsoever incurred arising as a result of a Third Party, delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this Agreement; j. as the sender, you will not include the EMT Answer in the Transaction details; k. as the recipient, you will not disclose the EMT Answer except as required to claim the transfer; l. the recipient may claim a Transaction using the online banking services of the Credit Union or another Participating Financial Institution or through the Third Party Service Provider payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. if the recipient declines a Transaction that you initiated, the Transaction will be returned to you;.

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. the a) EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction amount or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction amount or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction amount will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. weTransaction amount; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation's agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) the Financial Institution will not be liable for losses or damages incurred as a result of a person other than the intended recipient guessing or obtaining the EMT Answer; j) as the sender, the Depositor will not include the EMT Answer in the Transaction details; k) as the recipient, the Depositor will not disclose the EMT Answer except as required to claim or decline the Transaction; l) the recipient may claim a Transaction amount using the online banking services of the Financial Institution or another Participating Financial Institution or through the Acxsys Corporation payment service; m) if the recipient declines a Transaction that the Depositor initiated, the Transaction will be returned to the Depositor; n) funds usually arrive in the recipient's account within 3 to 5 business days from the day the recipient successfully claims the Transaction. The Financial Institution cannot guarantee the date of deposit; o) if the Depositor is the sender, the Transaction will be returned to the Depositor if the recipient does not claim the Transaction within 30 days of the date the Transaction is initiated, if the Transaction cannot be successfully sent to the recipient's EMT Contact Information as provided by the Depositor, or if the recipient declines the Transaction. The Depositor is responsible for providing the recipient's correct EMT Contact Information and further agrees that the recipient has consented to the Depositor's use of the EMT Contact Information for EMT Services purposes, including its provision to the Financial Institution, the other Participating Financial Institution, and Acxsys Corporation; p) if the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Acxsys Corporation or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. The Financial Institution will not pay interest on the Transaction amount; q) the Financial Institution may cancel a Transaction if it has reason to believe that a mistake has occurred or if it believes that the Transaction is a product of unlawful or fraudulent activity; r) the Depositor is responsible for providing valid EMT Contact Information and will immediately update it via Direct Services if there are any changes to said EMT Contact Information; s) as the sender, the Depositor may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient, the Depositor acknowledges that a Transaction may be cancelled up to the time the Depositor successfully claims the Transaction; t) all disputes will be handled directly between the sender and the recipient; u) the Financial Institution may refuse to provide EMT Services for the Depositor; and v) the Financial Institution and Central 1 will not be liable for any cost, expense, loss, damage damage, or inconvenience of any nature or kind whatsoever incurred arising as a result of a Third Party, delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this Agreement; j. as the sender, you will not include the EMT Answer in the Transaction details; k. as the recipient, you will not disclose the EMT Answer except as required to claim the transfer; l. the recipient may claim a Transaction using the online banking services of the Credit Union or another Participating Financial Institution or through the Third Party Service Provider payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. if the recipient declines a Transaction that you initiated, the Transaction will be returned to you;.

EMT SERVICES. If we, through Direct Services, make EMT Services available and you use the EMT Services, you acknowledge and agree that: a. the EMT Services are only available in Canadian dollars; b. the Account will be debited as soon as you initiate a Transaction, and we may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to you; d. we will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by us, any Third Party Service Provider, or a Participating Financial Institution; e. an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible after you originate the Transaction; f. as the sender, you will keep the EMT Answer, if applicable, confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to correctly provide the EMT Answer to claim the Transaction; h. we, the other Participating Financial Institutionparticipating financial institution, and any Third Party Service Providers are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, successfully provides the EMT Answer; i. we will not be liable for any cost, expense, loss, damage or inconvenience of any nature or kind whatsoever incurred as a result of a Third Party, other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity. However, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You you have satisfied and remain in compliance with all of the applicable terms and conditions in this Agreement; j. as the sender, you will not include the EMT Answer in the Transaction details; k. as the recipient, you will not disclose the EMT Answer except as required to claim the transfer; ; l. the recipient may claim a Transaction using the online banking services of the Credit Union SaskCentral or another Participating Financial Institution or through the Third Party Service Provider payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. if the recipient declines a Transaction that you initiated, the Transaction will be returned to you;

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services for Small Business makes EMT Services available and you You or a Signing Officer authorizes the use the of EMT Services, you You acknowledge andagree, and agree shall ensure that each Signing Officer, Delegate, and Non Signeragrees, that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will Accountwill be debited as soon as you initiate You or a Signing Officer authorizes a Transaction, and we We may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we We are deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youYou; d. we d) We will not be responsible or liable for any losses or damages incurred as a result of funds held and/or and limits set by usUs, any Third Party Service ProviderInterac Corp., or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate You or a Signing Officer originates or authorizes the Transaction; f. f) as the sendersender or authorizer, you You or a Signing Officer will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim the Transaction; h. weor decline theTransaction; h) We, the other Participating Financial Institution, and any Third Party Service Providers Interac Corp. or Interac Corp.’s agents are entitled to pay the Transaction amount Transactionamount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, recipientand successfully provides the EMT Answer; i. we i) We will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. j) as the sendersender or authorizer, you You or a Signing Officer will not include the EMT Answer in the Transaction detailsTransactiondetails; k. k) as the recipientrecipient or receiver, you You or a Signing Officer will not disclose the EMT Answer except as required to claim or decline the transferTransaction; l. l) the recipient may claim a Transaction using the Our online banking services of the Credit Union or another Participating Financial Institution or through the Third Party Service Provider throughthe Interac Corp. payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you You initiated, the Transactionwill be returned to You; n) funds usually arrive in the recipient’s account within three to five business days from the day the recipient successfully claims the Transaction. We cannot guarantee the date of deposit; o) if You are the sender, the Transaction will be returned to youYou if the recipient does not claim the Transaction within 30 days of the date the Transaction is initiated, if the Transaction cannot be successfully sent to the recipient’s EMT Contact Information as provided by You, or if the recipient declines the Transaction. You are responsible for providing the recipient’s correct EMT Contact Information and further agree that the recipient has consented to Your use of the EMT Contact Information for EMT Services purposes, including its provision to Us, the other Participating Financial Institution, and Interac Corp.; p) if the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Interac Corp. or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. We will not pay interest on the Transaction amount; q) We may cancel a Transaction if We have reason to believe that a mistake has occurred or if We believe that the Transaction is a product of unlawful or fraudulent activity; r) You are responsible for providing valid EMT Contact Information and will immediately update it via Direct Services for Small Business if there are any changes to the EMT Contact Information; s) as the sender or authorizer, You or a Signing Officer may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient or receiver, You or a Signing Officer acknowledges that a Transaction may be cancelled up to the time You or a Signing Officer successfully claims the Transaction; t) all disputes will be handled directly between the sender and the recipient without the participation of the Financial Institution or any other party; u) We may refuse to provide EMT Services for You; and v) We will not be liablefor anycost, expense, loss, damage, or inconvenience of any nature or kind whatsoever arising as a result of a delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient.

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, Transaction and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by us, any Third Party Service Providerthe Financial Institution,Acxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. j) as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. k) as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transferTransaction; l. l) the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor; n) funds usually arrive in the recipient’s account within 3 to 5 business days from the day the recipient successfully claims the Transaction. The Financial Institution cannot guarantee the date of deposit; o) as the sender, the Transaction will be returned to the Depositor if the recipient does not claim the Transaction within 30 days of the date the Transaction is initiated, if the Transaction cannot be successfully sent to the recipient’s EMT Contact Information as provided by the Depositor, or if the recipient declines the Transaction. The Depositor is responsible for providing the recipient’s correct EMT Contact Information and further agrees that the recipient has consented to the Depositor’s use of the EMT Contact Information for EMT Services purposes, including its provision to the Financial Institution, the other Participating Financial Institution, and Acxsys Corporation; p) if the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Acxsys Corporation or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. The Financial Institution will not pay interest on the Transaction amount; q) the Financial Institution may cancel a Transaction if it has reason to believe that a mistake has occurred or if it believes that the Transaction is a product of unlawful or fraudulent activity; r) the Depositor is responsible for providing valid EMT Contact Information and will immediately update it via Direct Services if there are any changes to said EMT Contact Information; s) as the sender, the Depositor may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient, the Depositor acknowledges that a Transaction may be cancelled up to the time the Depositor successfully claims the Transaction; t) all disputes will be handled directly between the sender and the recipient; u) the Financial Institution may refuse to provide EMT Services for the Depositor; and v) the Financial Institution and Central 1 will not be liable for any cost, expense, loss, damage, or inconvenience of any nature or kind whatsoever arising as a result of a delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient.

EMT SERVICES. If we, through Direct Services, You agree we may make EMT Services available and to you use the through Online Banking but we are not obligated to do so. You agree EMT Services, you acknowledge and agree that: a. the EMT Services are is only available in Canadian dollars; b. the Account . You agree EMT service fees are non-refundable. You agree that all disputes will be debited as soon as you initiate a Transaction, handled directly between the sender and we may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelledrecipient. We have no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. Transactions sent and received through the You agree EMT Services are subject to number and dollar limits that may change from time to time without prior notice to you; d. we . Any such limits and changes will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set effective when established by us, any Third Party Service Provider, or a Participating Financial Institution; e. the Credit Union. You agree if you send an EMT Notice advising using the EMT Service, you are solely responsible for providing correct and operational EMT Contact Information for the recipient and you will immediately update it via Online Banking if there are any changes to said contact information. You further agree that the recipient has consented to your use of the Transaction will be generated as soon as reasonably possible after you originate recipient’s EMT Contact Information for EMT Service purposes. YOU AGREE TO VERIFY THE EMT CONTACT INFORMATION BEFORE COMPLETING AN EMT. As the Transaction; f. as the sendersender of an EMT, you will agree to create an effective EMT Answer and keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; . YOU AGREE NOT TO INCLUDE THE EMT ANSWER IN THE EMT DETAILS OR ANY OPTIONAL MESSAGE THAT MAY ACCOMPANY THE EMT. You agree if you send an EMT, the Account will select an be debited as soon as you initiate the EMT Answer that is known only and a notice will be sent to the recipient recipient’s EMT Contact Information as provided by you. The notice will identify you as the sender, and disclose your contact information, the transfer amount, the name of the recipient, and that cannot be easily determined via social media or other means; you will not disclose are using the EMT Answer in Service. You acknowledge if you send an EMT, the applicable security question, hint or Transaction details; and you Credit Union will not provide hold the transfer amount until we receive notice the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to has correctly provide provided the EMT Answer to successfully claim the Transaction; h. weEMT, the other Participating Financial Institution, and any Third Party Service Providers are entitled to pay the Transaction amount to anyone who, using or the EMT Servicesis cancelled or expired. THE CREDIT UNION WILL NOT PAY INTEREST ON THE TRANSFER AMOUNT FOR THE PERIOD OF TIME THE TRANSFER AMOUNT IS NOT IN YOUR ACCOUNT. TO THE EXTENT PERMITTED AT LAW, claims to be the THE CREDIT UNION IS DEEMED TO HAVE A SECURITY INTEREST IN THE TRANSFER AMOUNT FROM THE TIME THE ACCOUNT IS DEBITED UNTIL THE RECIPIENT SUCCESSFULLY CLAIMS THE EMT OR THE EMT IS CANCELLED OR EXPIRED. If you are a recipient and, if applicable, successfully provides and claim the EMT Answer; i. we through CertaPay payment services, you agree the transfer amount will not be liable usually arrive in your account within 3 to 5 business days from the day you successfully claim the EMT. THE CREDIT UNION CANNOT GUARANTEE THE DATE OF THE DEPOSIT AND WILL NOT BE LIABLE FOR ANY COST, EXPENSE, LOSS, DAMAGE OR INCONVENIENCE OF ANY NATURE OR KIND WHATSOEVER INCURRED AS A RESULT OF A DELAY IN PROCESSING AN EMT. You agree if you send an EMT, you are responsible for any cost, expense, loss, damage or inconvenience reviewing the status of any nature or kind whatsoever incurred as a result of a Third Party, other than the intended recipient to the Transaction, guessing or obtaining EMT sent by the EMT Answer through any means other than Service by checking your Account history in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this Agreement; j. as the sender, you will not include the EMT Answer in the Transaction details; k. as the recipient, you will not disclose the EMT Answer except as required to claim the transfer; l. the recipient may claim a Transaction using the online banking services of the Credit Union or another Participating Financial Institution or through the Third Party Service Provider payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. if the recipient declines a Transaction that you initiated, the Transaction will be returned to you;Online Banking.

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. j) as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. k) as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transfer; l. l) the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor;

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, Transaction and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. Transactions c) transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. j) as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. k) as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transferTransaction; l. l) the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor;

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. j) as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. k) as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transfer; l. l) the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor; n) funds usually arrive in the recipient’s account within 3 to 5 business days from the day the recipient successfully claims the Transaction. The Financial Institution cannot guarantee the date of deposit; o) as the sender, the Transaction will be returned to the Depositor if the recipient does not claim the Transaction within 30 days of the date the transfer is initiated, if the Transaction cannot be successfully sent to the recipient’s EMT Contact Information as provided by the Depositor, or if the recipient declines the Transaction. The Depositor is responsible for providing the recipient’s correct EMT Contact Information and further agrees that the recipient has consented to the Depositor’s use of the EMT Contact Information for EMT Services purposes, including its provision to the Financial Institution, the other Participating Financial Institution, and Acxsys Corporation; p) if the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Acxsys Corporation or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. The Financial Institution will not pay interest on the Transaction amount; q) the Financial Institution may cancel a Transaction if it has reason to believe that a mistake has occurred or if it believes that the Transaction is a product of unlawful or fraudulent activity; r) the Depositor is responsible for providing a valid EMT Contact Information and will immediately update it via Direct Services if there are any changes to said EMT Contact Information; s) as the sender, the Depositor may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient, the Depositor acknowledges that a Transaction may be cancelled up to the time the Depositor successfully claims the Transaction; t) all disputes will be handled directly between the sender and the recipient; u) the Financial Institution may refuse to provide EMT Services for the Depositor; and v) the Financial Institution will not be liable for any cost, expense, loss, damage, or inconvenience of any nature or kind whatsoever arising as a result of a delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient.

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. : . the EMT Services are Service is only available in Canadian dollars; b. a. the Account will be debited as soon as you initiate the Depositor initiates a Transaction, transfer and we the Financial Institution may hold the Transaction transfer amount until the recipient successfully claims the Transaction transfer or the Transaction transfer is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction transfer amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction transfer amount from the time the Account is debited until the recipient successfully claims the Transaction transfer or the Transaction transfer is cancelled; c. Transactions b. transfers sent and received through the EMT Services Service are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we c. the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. d. an EMT Notice notice advising the recipient of the Transaction transfer will be generated as soon as reasonably possible approximately 30 minutes after you originate the TransactionDepositor originates the transfer; f. e. as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; f. the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. wetransfer; g. the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction transfer amount to anyone who, using the EMT ServicesService, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we h. the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. i. as the sender, you the Depositor will not include the EMT Answer in the Transaction transfer details; k. j. as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transfer; l. x. the recipient may claim a Transaction transfer using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. l. if the recipient declines a Transaction transfer that you the Depositor initiated, the Transaction transfer will be returned to youthe Depositor;

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, Transaction and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. j) as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. k) as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transferTransaction; l. l) the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor; n) funds usually arrive in the recipient’s account within 3 to 5 business days from the day the recipient successfully claims the Transaction. The Financial Institution cannot guarantee the date of deposit; o) as the sender, the Transaction will be returned to the Depositor if the recipient does not claim the Transaction within 30 days of the date the Transaction is initiated, if the Transaction cannot be successfully sent to the recipient’s EMT Contact Information as provided by the Depositor, or if the recipient declines the Transaction. The Depositor is responsible for providing the recipient’s correct EMT Contact Information and further agrees that the recipient has consented to the Depositor’s use of the EMT Contact Information for EMT Services purposes, including its provision to the Financial Institution, the other Participating Financial Institution, and Acxsys Corporation; p) if the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Acxsys Corporation or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. The Financial Institution will not pay interest on the Transaction amount; q) the Financial Institution may cancel a Transaction if it has reason to believe that a mistake has occurred or if it believes that the Transaction is a product of unlawful or fraudulent activity; r) the Depositor is responsible for providing valid EMT Contact Information and will immediately update it via Direct Services if there are any changes to said EMT Contact Information; s) as the sender, the Depositor may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient, the Depositor acknowledges that a Transaction may be cancelled up to the time the Depositor successfully claims the Transaction; t) all disputes will be handled directly between the sender and the recipient; u) the Financial Institution may refuse to provide EMT Services for the Depositor; and v) the Financial Institution and Central 1 will not be liable for any cost, expense, loss, damage, or inconvenience of any nature or kind whatsoever arising as a result of a delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient.

EMT SERVICES. If we, through Direct Services, make CWB makes EMT Services available and you authorize the use the of EMT Services, you acknowledge and agree agree, and shall ensure that each Authorized Contact agrees, that: a. 1. the EMT Services are only available in Canadian dollars; b. 2. the Account will be debited as soon as you initiate authorize a Transaction, and we may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. 3. Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youYou; d. we 4. We will not be responsible or liable for any losses or damages incurred as a result of funds held and/or and limits set by us, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. an 5. An EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate or authorize the Transaction; f. as 6. As the sendersender or authorizer, you will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the 7. The recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; 8. We, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation's agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we 9. We will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. as 10. As the sendersender or authorizer, you will not include the EMT Answer in the Transaction details; k. as 11. As the recipientrecipient or receiver, you will not disclose the EMT Answer except as required to claim or decline the transferTransaction; l. the 12. The recipient may claim a Transaction using the our online banking services of the Credit Union or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. if 13. If the recipient declines a Transaction that you initiated, the Transaction will be returned to you; 14. Funds usually arrive in the recipient's account within three to five business days from the day the recipient successfully claims the Transaction. We cannot guarantee the date of deposit; 15. If you are the sender, the Transaction will be returned to you if the recipient does not claim the Transaction within 30 days of the date the Transaction is initiated, if the Transaction cannot be successfully sent to the recipient's EMT Contact Information as provided by You, or if the recipient declines the Transaction. You are responsible for providing the recipient's correct EMT Contact Information and further agree that the recipient has consented to your use of the EMT Contact Information for EMT Services purposes, including its provision to us, the other Participating Financial Institution, and Acxsys Corporation; 16. If the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Acxsys Corporation or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. We will not pay interest on the Transaction amount; 17. We may cancel a Transaction if we have reason to believe that a mistake has occurred or if we believe that the Transaction is a product of unlawful or fraudulent activity; 18. You are responsible for providing valid EMT Contact Information and will immediately update it if there are any changes to the EMT Contact Information; 19. As the sender or authorizer, you may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient or receiver, you acknowledge that a Transaction may be cancelled up to the time you successfully claim the Transaction; 20. All disputes will be handled directly between the sender and the recipient without the participation of the Financial Institution or any other party; 21. We may refuse to provide EMT Services for you; and 22. We will not be liable for any cost, expense, loss, damage, or inconvenience of any nature or kind whatsoever arising as a result of a delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient.

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. the a) EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, Transaction and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction amount or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction amount or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services Service are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderCertaPay, or a Participating Financial Institution; e. e) an EMT Notice email notice advising the recipient of the Transaction amount will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Email Money Transfer Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Email Money Transfer Answer to claim or decline the Transaction; h. weTransaction amount; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers CertaPay or CertaPay’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Email Money Transfer Answer; i. we i) the Financial Institution will not be liable for losses or damages incurred as a result of a person other than the intended recipient guessing or obtaining the Email Money Transfer Answer; j) as the sender, the Depositor will not include the Email Money Transfer Answer in the Transaction details; k) as the recipient, the Depositor will not disclose the Email Money Transfer Answer except as required to claim or decline the Transaction; l) the recipient may claim a Transaction amount using the online banking services of the Financial Institution or another Participating Financial Institution or through the CertaPay payment service; m) if the recipient declines a Transaction that the Depositor initiated, the Transaction will be returned to the Depositor; n) funds usually arrive in the recipient’s account within 3 to 5 business days from the day the recipient successfully claims the Transaction. The Financial Institution cannot guarantee the date of deposit; o) if the Depositor is the sender, the Transaction will be returned to the Depositor if the recipient does not claim the Transaction within 30 days of the date the Transaction is initiated, if the Transaction cannot be successfully sent to the recipient’s email address as provided by the Depositor, or if the recipient declines the Transaction. The Depositor is responsible for providing the recipient’s correct email address and further agrees that the recipient has consented to the Depositor’s use of the email address for EMT Services purposes, including its provision to the Financial Institution, the other Participating Financial Institution, and CertaPay; p) if the recipient successfully claims the Transaction using the CertaPay payment service but provides incorrect account information, CertaPay or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. The Financial Institution will not pay interest on the Transaction amount; q) the Financial Institution may cancel a Transaction if it has reason to believe that a mistake has occurred or if it believes that the Transaction is a product of unlawful or fraudulent activity; r) the Depositor is responsible for providing a valid email address and will immediately update it via Direct Services if there are any changes to said email address; s) as the sender, the Depositor may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient, the Depositor acknowledges that a Transaction may be cancelled up to the time the Depositor successfully claims the Transaction; t) all disputes will be handled directly between the sender and the recipient; u) the Financial Institution may refuse to provide EMT Services for the Depositor; and v) the Financial Institution and Central 1 will not be liable for any cost, expense, loss, damage damage, or inconvenience of any nature or kind whatsoever incurred arising as a result of a Third Party, delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this Agreement; j. as the sender, you will not include the EMT Answer in the Transaction details; k. as the recipient, you will not disclose the EMT Answer except as required to claim the transfer; l. the recipient may claim a Transaction using the online banking services of the Credit Union or another Participating Financial Institution or through the Third Party Service Provider payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. if the recipient declines a Transaction that you initiated, the Transaction will be returned to you;.

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, Transaction and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you will keep the EMT Answer, if applicable, confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. j) as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. k) as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transferTransaction; l. l) the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor;

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. the EMT Services are only available in Canadian dollars; b. the Account will be debited as soon as you initiate the Depositor initiates a Transaction, and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; ; h. wethe Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation's agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transfer; l. the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor;

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. the a) EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, Transaction and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction amount or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction amount or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services Service are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderCertaPay, or a Participating Financial Institution; e. e) an EMT Notice email notice advising the recipient of the Transaction amount will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Email Money Transfer Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Email Money Transfer Answer to claim or decline the Transaction; h. weTransaction amount; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers CertaPay or CertaPay’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Email Money Transfer Answer; i. we i) the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementEmail Money Transfer Answer; j. j) as the sender, you the Depositor will not include the EMT Email Money Transfer Answer in the Transaction details; k. k) as the recipient, you the Depositor will not disclose the EMT Email Money Transfer Answer except as required to claim or decline the transfer; l. Transaction; l) the recipient may claim a Transaction amount using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider CertaPay payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor; n) funds usually arrive in the recipient’s account within 3 to 5 business days from the day the recipient successfully claims the Transaction. The Financial Institution cannot guarantee the date of deposit; o) if the Depositor is the sender, the Transaction will be returned to the Depositor if the recipient does not claim the Transaction within 30 days of the date the Transaction is initiated, if the Transaction cannot be successfully sent to the recipient’s email address as provided by the Depositor, or if the recipient declines the Transaction. The Depositor is responsible for providing the recipient’s correct email address and further agrees that the recipient has consented to the Depositor’s use of the email address for EMT Services purposes, including its provision to the Financial Institution, the other Participating Financial Institution, and CertaPay; p) if the recipient successfully claims the Transaction using the CertaPay payment service but provides incorrect account information, CertaPay or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. The Financial Institution will not pay interest on the Transaction amount; q) the Financial Institution may cancel a Transaction if it has reason to believe that a mistake has occurred or if it believes that the Transaction is a product of unlawful or fraudulent activity; r) the Depositor is responsible for providing a valid email address and will immediately update it via Direct Services if there are any changes to said email address; s) as the sender, the Depositor may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient, the Depositor acknowledges that a Transaction may be cancelled up to the time the Depositor successfully claims the Transaction;

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services for Small Business makes EMT Services available and you the Depositor or Signing Officer authorizes the use the of EMT Services, you acknowledge the Depositor acknowledges and agree agrees, and shall ensure that each Signing Officer, Delegate, and Non Signer agrees, that: a. the EMT Services are Service is only available in Canadian dollars; b. the Account will be debited as soon as you initiate the Depositor or Signing Officer authorizes a Transaction, and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. Transactions sent and received through the EMT Services Service are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor or Signing Officer originates or authorizes the Transaction; f. as the sendersender or authorizer, you the Depositor or Signing Officer will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; ; h. wethe Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation's agents are entitled to pay the Transaction amount to anyone who, using the EMT ServicesService, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. as the sendersender or authorizer, you the Depositor or Signing Officer will not include the EMT Answer in the Transaction details; k. as the recipientrecipient or receiver, you the Depositor or Signing Officer will not disclose the EMT Answer except as required to claim or decline the transferTransaction; l. the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor;

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. a) the EMT Services are only available in Canadian dollars; b. b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, Transaction and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to ; g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. we; h) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we i) the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. j) as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. k) as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transferTransaction; l. l) the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor; n) funds usually arrive in the recipient’s account within 3 to 5 business days from the day the recipient successfully claims the Transaction. The Financial Institution cannot guarantee the date of deposit; o) as the sender, the Transaction will be returned to the Depositor if the recipient does not claim the Transaction within 30 days of the date the Transaction is initiated, if the Transaction cannot be successfully sent to the recipient’s EMT Contact Information as provided by the Depositor, or if the recipient declines the Transaction. The Depositor is responsible for providing the recipient’s correct EMT Contact Information and further agrees that the recipient has consented to the Depositor’s use of the EMT Contact Information for EMT Services purposes, including its provision to the Financial Institution, the other Participating Financial Institution, and Acxsys Corporation; p) if the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Acxsys Corporation or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. The Financial Institution will not pay interest on the Transaction amount; q) the Financial Institution may cancel a Transaction if it has reason to believe that a mistake has occurred or if it believes that the Transaction is a product of unlawful or fraudulent activity; r) the Depositor is responsible for providing valid EMT Contact Information and will immediately update it via Direct Services if there are any changes to said EMT Contact Information; s) as the sender, the Depositor may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient, the Depositor acknowledges that a Transaction may be cancelled up to the time the Depositor successfully claims the Transaction; t) all disputes will be handled directly between the sender and the recipient; u) the Financial Institution may refuse to provide EMT Services for the Depositor; and v) the Financial Institution and Central 1 will not be liable for any cost, expense, loss, damage, or inconvenience of any nature or kind whatsoever arising as a result of a delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. : a) the EMT Services are only available in Canadian dollars; b. ; b) the Account will be debited as soon as you initiate the Depositor initiates a Transaction, Transaction and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. ; c) Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to you; d. we the Depositor; d) the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. ; e) an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. ; f) as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to g) the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; h. weh) the Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation’s agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we ; i) the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this Agreement; j. Answer; j) as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. ; k) as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transfer; l. Transaction; l) the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. m) if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to you;the Depositor; n) funds usually arrive in the recipient’s account within 3 to 5 business days from the day the recipient successfully claims the Transaction. The Financial Institution cannot guarantee the date of deposit; o) as the sender, the Transaction will be returned to the Depositor if the recipient does not claim the Transaction within 30 days of the date the Transaction is initiated, if the Transaction cannot be successfully sent to the recipient’s EMT Contact Information as provided by the Depositor, or if the recipient declines the Transaction. The Depositor is responsible for providing the recipient’s correct EMT Contact Information and further agrees that the recipient has consented to the Depositor’s use of the EMT Contact Information for EMT Services purposes, including its provision to the Financial Institution, the other Participating Financial Institution, and Acxsys Corporation; p) if the recipient successfully claims the Transaction using the Acxsys Corporation payment service but provides incorrect account information, Acxsys Corporation or its agent may request correct account information from the recipient or may mail an Instrument to the recipient. The Financial Institution will not pay interest on the Transaction amount; q) the Financial Institution may cancel a Transaction if it has reason to believe that a mistake has occurred or if it believes that the Transaction is a product of unlawful or fraudulent activity; r) the Depositor is responsible for providing valid EMT Contact Information and will immediately update it via Direct Services if there are any changes to said EMT Contact Information; s) as the sender, the Depositor may cancel a Transaction up to the time the recipient successfully claims the Transaction. As the recipient, the Depositor acknowledges that a Transaction may be cancelled up to the time the Depositor successfully claims the Transaction; t) all disputes will be handled directly between the sender and the recipient; u) the Financial Institution may refuse to provide EMT Services for the Depositor; and v) the Financial Institution and Central 1 will not be liable for any cost, expense, loss, damage, or inconvenience of any nature or kind whatsoever arising as a result of a delay in processing a Transaction or for Transactions claimed by someone other than the intended recipient.

EMT SERVICES. If we, the Financial Institution through Direct Services, make Services makes EMT Services available and you use the Depositor uses the EMT Services, you acknowledge the Depositor acknowledges and agree agrees that: a. the EMT Services are only available in Canadian dollars; b. the Account will be debited as soon as you initiate the Depositor initiates a Transaction, and we the Financial Institution may hold the Transaction amount until the recipient successfully claims the Transaction or the Transaction is cancelled. We have The Financial Institution has no obligation to and will not pay interest on the Transaction amount. To the extent permitted at law, we are the Financial Institution is deemed to have a security interest in the Transaction amount from the time the Account is debited until the recipient successfully claims the Transaction or the Transaction is cancelled; c. Transactions sent and received through the EMT Services are subject to number and dollar limits that may change from time to time without prior notice to youthe Depositor; d. we the Financial Institution will not be responsible or liable for any losses or damages incurred as a result of funds held and/or limits set by usthe Financial Institution, any Third Party Service ProviderAcxsys Corporation, or a Participating Financial Institution; e. an EMT Notice advising the recipient of the Transaction will be generated as soon as reasonably possible approximately 30 minutes after you originate the Depositor originates the Transaction; f. as the sender, you the Depositor will keep the EMT Answer, if applicable, Answer confidential and will not disclose it or share it with anyone but the intended recipient; you will select an EMT Answer that is known only to the recipient and that cannot be easily determined via social media or other means; you will not disclose the EMT Answer in the applicable security question, hint or Transaction details; and you will not provide the recipient the EMT Answer via the email or phone number that was used to send the EMT Notice; g. the recipient may be required to must correctly provide the EMT Answer to claim or decline the Transaction; ; h. wethe Financial Institution, the other Participating Financial Institution, and any Third Party Service Providers Acxsys Corporation or Acxsys Corporation's agents are entitled to pay the Transaction amount to anyone who, using the EMT Services, claims to be the recipient and, if applicable, and successfully provides the EMT Answer; i. we the Financial Institution will not be liable for any cost, expense, loss, damage losses or inconvenience of any nature or kind whatsoever damages incurred as a result of a Third Party, person other than the intended recipient to the Transaction, guessing or obtaining the EMT Answer through any means other than in the event of a Wrongful Activity, however notwithstanding the foregoing, in the event of an intercepted transaction from your account where the funds did not reach the intended recipient, we may provide reimbursement to you provided that you did not participate in the Wrongful Activity, you fully cooperate in the investigation of such event, and that You have satisfied and remain in compliance with all of the applicable terms and conditions in this AgreementAnswer; j. as the sender, you the Depositor will not include the EMT Answer in the Transaction details; k. as the recipient, you the Depositor will not disclose the EMT Answer except as required to claim or decline the transfer; l. ; I. the recipient may claim a Transaction using the online banking services of the Credit Union Financial Institution or another Participating Financial Institution or through the Third Party Service Provider Acxsys Corporation payment service; Transactions sent via account number, payment identifier, autodeposit or request money, as available, may be automatically deposited into the account of the recipient; m. if the recipient declines a Transaction that you the Depositor initiated, the Transaction will be returned to youthe Depositor;