Common use of External Transfers Clause in Contracts

External Transfers. Bank will not be obligated to make any transfer you may request unless there are sufficient available funds in your Transfer From account to cover the transfer on the Transfer On date. If there are insufficient available funds to cover a transfer, Bank will not retry the transaction and the transfer will be immediately rejected. As well, you are responsible for providing Bank accurate and complete information and for verifying that all money has been properly transferred to the appropriate accounts. The Cutoff Time for the External Transfer Service is 6pm CST on any Business Day. All Cutoff Times referenced in this Agreement reflect the times displayed on Bank’s internal system clocks and may not necessarily be synchronized with the internal clock displayed on your computer. For this reason, Xxxx suggests that you transmit any instructions to Bank sufficiently in advance of such Cutoff Times to eliminate the possibility of missing the Cutoff Time. All outgoing transfers are assumed to be Next Day. Money being transferred is taken out of the Bank Transfer From account on the Business Day that the transfer is requested, assuming all funds are available. Transfers between deposit accounts held by Bank and an External Account that Bank receives by the Cutoff Time on any Business Day will begin processing on the same day. Transfers to an External Account will be deducted from your Transfer From account held by Bank on the Transfer On date and will usually be reflected in your External Account on the next Business Day. However, the receiving bank’s processing policies and guidelines still apply and may not allow for same day availability. Transfers from External Accounts are subject to the processing times of the financial institution holding your External Account. Instructions for transfers from External Accounts that Bank receives by the Cutoff Time on any Business Day will be sent to the holder of your External Account on the same day for processing. Transfer instructions relating to External Accounts and the transmission and issuance of data related to such instructions shall be received pursuant to the terms of this Agreement and the rules of the National Automated Clearing House Association ("NACHA") and the applicable automated clearing house ("Regional ACH") (collectively, the "Rules") and you and Bank agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, any credit to your deposit account held by Bank or your External Account shall be provisional until such credit has been finally settled by Bank or the third party institution which holds your External Account, as the case may be. You acknowledge that you have received notice of this requirement and of the fact that if Bank does not receive final settlement for a transfer for any reason, Bank shall charge back the amount of such transfer to the Transfer To or Transfer From account (as applicable) or any other of your accounts or claim a refund from you.

External Transfers. Bank will not be obligated to make any transfer External Transfer is a feature that COMMUNITY 1ST CREDIT UNION offers so you may request unless there are sufficient available funds in can transact between your Transfer From COMMUNITY 1ST CREDIT UNION account to cover the transfer on the Transfer On date. If there are insufficient available funds to cover a transfer, Bank will not retry the transaction and the transfer will be immediately rejected. As well, an account that you are responsible for providing Bank accurate the owner of at another financial institution. You may transfer in and complete information and for verifying that all money has been properly transferred to the appropriate accounts. The Cutoff Time for the External Transfer Service is 6pm CST on any Business Day. All Cutoff Times referenced in this Agreement reflect the times displayed on Bank’s internal system clocks and may not necessarily be synchronized with the internal clock displayed on your computer. For this reason, Xxxx suggests that you transmit any instructions to Bank sufficiently in advance of such Cutoff Times to eliminate the possibility of missing the Cutoff Time. All outgoing transfers are assumed to be Next Day. Money being transferred is taken out of your accounts from other financial institutions. To ensure you are the Bank Transfer From account on the Business Day that the transfer is requested, assuming all funds are available. Transfers between deposit accounts held by Bank rightful owner and an External Account that Bank receives by the Cutoff Time on any Business Day will begin processing on the same day. Transfers have proper access to an External Account will be deducted from your Transfer From account held external account, we employ a registration process for each newly added account. You may set up accounts at any time by Bank on entering the Transfer On date and will usually be reflected in your External Account on the next Business Day. However, the receiving bank’s processing policies and guidelines still apply and may not allow routing number for same day availability. Transfers from External Accounts are subject to the processing times of the financial institution holding your External Accountand the account number for the account. Instructions for transfers from External Accounts that Bank receives by the Cutoff Time on any Business Day A set of small dollar transactions will be sent to your external account within 1-3 business days. You must review the holder account, find the set of small dollar transactions and enter this information within the online banking service from COMMUNITY 1ST CREDIT UNION. After this is completed successfully you can transact between your accounts at will. You may delete an external account at any time by accessing this feature in the online banking service from COMMUNITY 1ST CREDIT UNION. You may schedule one-time external transfers or establish a recurring transfer with the frequency of your External Account on choice. Inbound and outbound transfers are limited to 1000 transfers per month and a maximum of $30,000 per month. We will process external transfers through the same day for processing. Transfer instructions relating to External Accounts and the transmission and issuance of data related to such instructions shall be received pursuant to the terms of this Agreement and the rules of the National Automated Clearing House Association ("NACHA"ACH) and will be subject to NACHA rules and regulations. Any account requiring more than one signature for withdrawal, draw or transfer of funds is not eligible for the applicable automated clearing house ("Regional ACH") (collectively, the "Rules") and you and Bank agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, any credit to your deposit account held by Bank or your External Account shall be provisional until such credit has been finally settled by Bank or the third party institution which holds your External Account, as the case may beservice. You acknowledge agree not to register any account for the service that requires more than one signature to withdraw, draw, or transfer funds. You agree not to change the account documentation for accounts registered with the service to require two or more signatures until you have removed access to the account from the service. You agree that you are authorized to initiate every inbound or outbound transfer you request in the amount requested. You also agree that you have received notice of this requirement the authority to transact on the accounts involved in external transfers at the time you set up the transfer and of at the fact time that if Bank does not receive final settlement for a transfer for we initiate the debit or credit. You agree that you will only transact on open accounts and that you have sufficient funds available to cover any reasonexternal transfers. YOU ARE LIABLE FOR ALL EXTERNAL TRANSFERS THAT YOU MAKE OR AUTHORIZE, Bank shall charge back the amount of such transfer to the Transfer To or Transfer From account (as applicable) or any other of your accounts or claim a refund from you.EVEN IF THE PERSON YOU

External Transfers. Bank will not be obligated An External Transfer (Transfers/External Account) allows you to make any transfer funds between an Account you may request unless there hold with CUTX and an account held with another financial institution (External Account). When you select the External Account option, you are choosing to transfer money from, or to, an External Account you hold with another financial institution. You represent and warrant that you have sufficient available funds in your Transfer From account to cover the transfer on the Transfer On date. If there are insufficient available funds to cover a transfer, Bank will not retry the transaction and the transfer will be immediately rejectedeach External Transfer you schedule. As wellFurther, you are responsible for providing Bank accurate understand and complete information and for verifying agree that all money has been properly transferred to the appropriate accounts. The Cutoff Time for if your External Transfer contains inaccurate, incorrect, or incomplete information, or if there is any error in the External Transfer Service instructions, CUTX is 6pm CST on not liable to you for any Business Day. All Cutoff Times referenced in this Agreement reflect the times displayed on Bank’s internal system clocks and may not necessarily be synchronized with the internal clock displayed on your computer. For this reason, Xxxx suggests that losses you transmit any instructions to Bank sufficiently in advance incur as a result of such Cutoff Times erroneous instructions. In the event CUTX determines you have scheduled an unauthorized External Transfer, you understand and agree that CUTX reserves the right to eliminate the possibility of missing the Cutoff Time. All outgoing transfers are assumed to be Next Day. Money being transferred is taken out indefinitely suspend your use of the Bank Transfer From account on OLMB Service, and any ancillary services offered through the Business Day that OLMB Service, at our sole and absolute discretion, without notice to you. In cases where you have insufficient funds or other issues relating to the transfer is requested, assuming all funds are available. Transfers between deposit accounts held by Bank and an External Account that Bank receives by the Cutoff Time on prevent or delay Credit Union of Texas from processing any Business Day will begin processing on the same day. Transfers to an External Account will be deducted from your Transfer From account held by Bank on the Transfer On date and will usually be reflected in your External Account on the next Business Day. However, the receiving bank’s processing policies and guidelines still apply and may not allow for same day availability. Transfers from External Accounts are subject to the processing times of the financial institution holding your External Account. Instructions for transfers from External Accounts that Bank receives by the Cutoff Time on any Business Day will be sent to the holder of your External Account on the same day for processing. Transfer instructions relating to External Accounts and the transmission and issuance of data related to such instructions shall be received pursuant to under the terms of this the Account Transfer Agreement set forth below; you understand and agree to hold the rules of Credit Union harmless, including any fees and/or penalties assessed on the External Account and/or by any third party. An External Transfer you schedule through the Transfers option processes through the Automated Clearing House (“ACH”) Network. CUTX will follow the National Automated Clearing House Association ("NACHA"Nacha) Operating Rules and Guidelines with respect to funds availability for those transactions that process through the applicable automated clearing house ACH Network and when the credit posts to your CUTX Account. You understand that when CUTX is acting as the Receiving Depository Financial Institution ("Regional ACH") (collectively“RDFI”), the "Rules") and you and Bank agree to receiving ACH credit entry will be bound by such Rules as in effect from time to time. In accordance with such Rules, any transferred into your CUTX Account not later than the next business day following the date the ACH credit entry posts to your deposit account held CUTX Account (settlement date). You understand and agree that CUTX shall not be liable for the practices and business rules followed by Bank the external financial institution. CUTX reserves the right to stop any External Transfer if we deem necessary to prevent us from taking a loss, in our sole and absolute discretion, without liability to you or your External Account shall be provisional until such credit has been finally settled by Bank or the any third party institution which holds your and without prior notice to you. Processing Days and Timeframes You may schedule an External AccountTransfer Monday through Sunday, as 24 hours a day (except during scheduled maintenance timeframes). CUTX processes External Transfers each Business Day. The cut-off time (Cut- off) is 3:00 P.M. CT on a Business Day. Each External Transfer you schedule by the case may beCut-off time on any given Business Day will be processed on the same Business Day, based upon the date the electronic entry is due to post (Effective Entry Date). An External Transfer will not process on a non-Business Day. When an External Transfer you schedule falls on a non-Business Day (any federal holiday, Saturday or Sunday), CUTX will process such External Transfer on the next Business Day. You acknowledge understand and agree that you have received CUTX reserves the right in our sole and absolute discretion to change the processing Cut-off time without prior notice of this requirement to you. You further understand and of the fact agree that if Bank does not receive final settlement for a transfer an External Transfer you set up within the OLMB Service rejects, for any reason, Bank shall charge back the amount External Transfer will not reinitiate. If an External Transfer rejects and the respective External Transfer is recurring; such External Transfer will attempt to process on the next scheduled transfer date of such transfer to the Transfer To or Transfer From account (as applicable) or any other of your accounts or claim a refund from yourecurring series.

External Transfers. Bank will not be obligated An External Transfer (Transfers/External Account) allows you to make any transfer funds between an Account you may request unless there hold with InTouch Credit Union and an account held with another financial institution (External Account). When you select the External Account option, you are choosing to transfer money from, or to, an External Account you hold with another financial institution. You represent and warrant that you have sufficient available funds in your Transfer From account to cover the transfer on the Transfer On date. If there are insufficient available funds to cover a transfer, Bank will each External Transfer you schedule. You understand that if you do not retry the transaction and have sufficient funds to cover an External Transfer that no part of the transfer will be immediately rejectedprocess. As wellFurther, you are responsible for providing Bank accurate understand and complete information and for verifying agree that all money has been properly transferred to the appropriate accounts. The Cutoff Time for if your External Transfer contains inaccurate, incorrect, or incomplete information, or if there is any error in the External Transfer Service instructions, InTouch Credit Union is 6pm CST on not liable to you for any Business Day. All Cutoff Times referenced in this Agreement reflect the times displayed on Bank’s internal system clocks and may not necessarily be synchronized with the internal clock displayed on your computer. For this reason, Xxxx suggests that losses you transmit any instructions to Bank sufficiently in advance incur as a result of such Cutoff Times erroneous instructions. In the event InTouch Credit Union determines you have scheduled an unauthorized External Transfer, you understand and agree that InTouch Credit Union reserves the right to eliminate the possibility of missing the Cutoff Time. All outgoing transfers are assumed to be Next Day. Money being transferred is taken out indefinitely suspend your use of the Bank Transfer From account on Services, and any ancillary services offered through the Business Day that Services, at our sole and absolute discretion, without notice to you. In cases where you have insufficient funds or other issues relating to the transfer is requested, assuming all funds are available. Transfers between deposit accounts held by Bank and an External Account that Bank receives by the Cutoff Time on prevent or delay InTouch Credit Union from processing any Business Day will begin processing on the same day. Transfers to an External Account will be deducted from your Transfer From account held by Bank on the Transfer On date and will usually be reflected in your External Account on the next Business Day. However, the receiving bank’s processing policies and guidelines still apply and may not allow for same day availability. Transfers from External Accounts are subject to the processing times of the financial institution holding your External Account. Instructions for transfers from External Accounts that Bank receives by the Cutoff Time on any Business Day will be sent to the holder of your External Account on the same day for processing. Transfer instructions relating to External Accounts and the transmission and issuance of data related to such instructions shall be received pursuant to under the terms of this the Account Transfer Agreement set forth herein you understand and agree to hold the rules of Credit Union harmless, including any fees and/or penalties assessed on the External Account and/or by any third party. An External Transfer you schedule through the Transfers option processes through the Automated Clearing House (“ACH”) Network. InTouch Credit Union will follow the National Automated Clearing House Association ("NACHA"Nacha) Operating Rules and Guidelines with respect to funds availability for those transactions that process through the applicable automated clearing house ACH Network and when the credit posts to your InTouch Credit Union Account. You understand that when InTouch Credit Union is acting as the Receiving Depository Financial Institution ("Regional ACH") (collectively“RDFI”), the "Rules"receiving ACH credit entry will be transferred into your InTouch Credit Union Account no later than the next business day following the date the ACH credit entry posts to your InTouch Credit Union Account (settlement date). You understand and agree that InTouch Credit Union shall not be liable for the practices and business rules followed by the external financial institution. InTouch Credit Union reserves the right to stop any External Transfer if we deem necessary to prevent us from taking a loss, in our sole and absolute discretion, without liability to you or any third party and without prior notice to you. Processing Days and Timeframes: You may schedule an External Transfer Monday through Sunday, 24 hours a day (except during scheduled maintenance timeframes). InTouch Credit Union processes External Transfers each Business Day. Transfers must be initiated before 3:00 PM Central Time (Cut‐off) and each Business Day. Each External Transfer you and Bank agree schedule by the Cut‐off time on any given Business Day will be processed on the same Business Day, based upon the date the electronic entry is due to be bound by such Rules as in effect from time to timepost (Effective Entry Date), if accepted. In accordance with such RulesAn External Transfer will not process on a non‐Business Day. When an External Transfer you schedule falls on a non‐Business Day (e.g., any credit to your deposit account held by Bank federal holiday, Saturday or your Sunday), InTouch Credit Union will process such External Account shall be provisional until such credit has been finally settled by Bank or Transfer on the third party institution which holds your External Account, as the case may benext Business Day. You acknowledge understand and agree that you have received InTouch Credit Union reserves the right in our sole and absolute discretion to change the processing Cut‐off time without prior notice of this requirement to you. You further understand and of the fact agree that if Bank does not receive final settlement for a transfer an External Transfer you set up within the Services is rejected, for any reason, Bank shall charge back the amount External Transfer will not reinitiate. If an External Transfer is rejected and the respective External Transfer is recurring; such External Transfer will attempt to process on the next scheduled transfer date of such transfer to the Transfer To or Transfer From account (as applicable) or any other of your accounts or claim a refund from yourecurring series.

External Transfers. Within the Online Banking System, you have the option to participate in the External Transfer Service, which allows you to transfer funds between your eligible accounts at the Bank (checking, savings, and money market) and checking or savings accounts owned by you at other United States Financial Institutions, assuming that the transfer is permitted by your other financial institution and by law. Accounts at the Bank you select for this Service are referred to as "Internal Accounts", and accounts you select from among accounts you own at other financial institutions are referred to as "External Accounts". You may only transfer funds between accounts where you are an owner of both accounts and the terms and conditions of the accounts allow deposits and/or withdrawals of the type you are initiating. Transfers from an Internal Account to an External Account are referred to as "Outgoing Transfers" and Transfers from an External Account to an Internal Account are referred to as "Incoming Transfers". In order to use the External Transfer Service, you will need to register the External Accounts that you wish to access and provide certain identifying information about each of those accounts. For Incoming Transfers, you agree that you will only attempt to register External Accounts that you own or for which you have the authority to transfer funds. You acknowledge and agree that each External Account you seek to register will be subject to a two- deposit validation process, a fraud mitigation feature that requires you to confirm account ownership by validating the amounts of two small deposits made to an External Account before Transfers can be made to or from the account. The External Transfer Service is only available for domestic (U.S.) transfers. International transfers cannot be obligated performed through the External Transfer service. International funds transfers may be processed through a wire transfer request. For Outgoing Transfers, funds will be debited from your Internal Account on the Business Day for which you request the Transfer to make be made (the "Scheduled Date"), and typically will be credited to the External Account on the second to third Business Day after the Transfer's Scheduled Date. For Incoming Transfers, the funds typically will be debited from your External Account at your other financial institution on the Business Day or next Business Day after its Scheduled Date, and will be credited to your Internal Account with the Bank on the second to third Business Day after the Transfer's Scheduled Date. The Bank is not responsible for any transfer you may request unless there are failure of another financial institution to act in a timely manner as described above. As a result, the Bank cannot guarantee the timely delivery or return of funds as a result of the failure of another financial institution to act in a timely manner. You agree to have sufficient available funds in your Transfer From account designated Internal Account(s) at the Bank to cover the transfer all Outgoing Transfers on the Transfer On dateScheduled Date. If there are insufficient the applicable Internal Account does not have sufficient available funds on the Scheduled Date, the Bank may elect not to cover a transferinitiate one or more of the Transfers. If we do elect to initiate the Transfer, Bank will not retry the transaction and the transfer it may cause an overdraft in your Internal Account, in which case you will be immediately rejected. As well, you are responsible for providing Bank accurate and complete information and for verifying that all money has been properly transferred to the appropriate accounts. The Cutoff Time liable for the External Transfer Service is 6pm CST on overdraft and any Business Dayoverdraft fees and interest thereon, as set forth in your Other Agreements, and you agree to pay all related applicable fees. All Cutoff Times referenced in this Agreement reflect You acknowledge and agree that Transfers made through the times displayed on Bank’s internal system clocks Automated Clearing House ("ACH") processor selected by us or directly to another financial institution, and may not necessarily be synchronized with the internal clock displayed on your computer. For this reason, Xxxx suggests you agree that you transmit any instructions to Bank sufficiently in advance of such Cutoff Times to eliminate the possibility of missing the Cutoff Time. All outgoing transfers are assumed to be Next Day. Money being transferred is taken out of the Bank Transfer From account on the Business Day that the transfer is requested, assuming all funds are available. Transfers between deposit accounts held by Bank and an External Account that Bank receives by the Cutoff Time on any Business Day will begin processing on the same day. Transfers to an External Account will be deducted from your Transfer From account held by Bank on the Transfer On date and will usually be reflected in your External Account on the next Business Day. However, the receiving bank’s processing policies and guidelines still apply and may not allow for same day availability. Transfers from External Accounts are subject to the processing times of the financial institution holding your External Account. Instructions for transfers from External Accounts that Bank receives by the Cutoff Time on any Business Day will be sent to the holder of your External Account on the same day for processing. Transfer instructions relating to External Accounts and the transmission and issuance of data related to such instructions shall be received pursuant to the terms of this Agreement and the rules of the National Automated Clearing House Association ("NACHA") rules or our agreement with the other financial institution, as applicable. It is your responsibility to ensure the accuracy of any information that you enter into the System, and for informing us as soon as possible if you become aware that this information is inaccurate. We will make a reasonable effort to stop or recover a Transfer made to the applicable automated clearing house ("Regional ACH") (collectivelywrong Account once informed, but we do not guarantee such recovery and will bear no responsibility or liability for damages resulting from incorrect information you enter in the "Rules") System. It is your sole responsibility and you and Bank agree to be bound by such Rules as ensure that your contact information in effect from time to timethe System is current and accurate. In accordance with such Rules, any credit to your deposit account held by Bank or your External Account shall be provisional until such credit has been finally settled by Bank or the third party institution which holds your External Account, as the case may be. You acknowledge that you have received notice of this requirement and of the fact that if Bank does We are not receive final settlement for a transfer responsible for any reason, Bank shall charge back the amount of such transfer Transfer processing errors or fees incurred if you fail to the Transfer To or Transfer From account (as applicable) or any other of your accounts or claim a refund from youaccurately provide information required for this Service.

External Transfers. Bank will not be obligated An External Transfer (Transfer Money to make any External Account and Person to Person) allows you to transfer funds between an Account you may request unless there hold with CUTX and an account held with another financial institution (“External Account”). When you select the “Transfer Money” option, you are choosing to transfer money from, or to, an External Account you hold with another financial institution. When you select the “Person to Person” option, you are choosing to transfer money to a friend or family member (Receiver) who holds an External Account with another financial institution. You understand and agree your External Transfer instructions represent authorization for CUTX to complete each External Transfer you schedule. You represent and warrant that you have sufficient available funds in your Transfer From account to cover the transfer on the Transfer On date. If there are insufficient available funds to cover a transfer, Bank will not retry the transaction and the transfer will be immediately rejectedeach External Transfer you schedule. As wellFurther, you are responsible for providing Bank accurate understand and complete information and for verifying agree that all money has been properly transferred to the appropriate accounts. The Cutoff Time for if your External Transfer contains inaccurate, incorrect, or incomplete information, or if there is any error in the External Transfer Service instructions, CUTX is 6pm CST on not liable to you for any Business Day. All Cutoff Times referenced in this Agreement reflect the times displayed on Bank’s internal system clocks and may not necessarily be synchronized with the internal clock displayed on your computer. For this reason, Xxxx suggests that losses you transmit any instructions to Bank sufficiently in advance incur as a result of such Cutoff Times erroneous instructions. In the event CUTX determines you have scheduled an unauthorized External Transfer, you understand and agree that CUTX reserves the right to eliminate the possibility of missing the Cutoff Time. All outgoing transfers are assumed to be Next Day. Money being transferred is taken out indefinitely suspend your use of the Bank OLB Service, and any ancillary services offered through the OLB Service, at our sole and absolute discretion, without notice to you. An External Transfer From account you schedule through the “Transfer Money” option processes through the Automated Clearing House (ACH) Network. An External Transfer you schedule through the “Person to Person” option processes through the MasterCard® Network on the Business Day that the transfer is requested, assuming all funds are available. Transfers between deposit accounts held by Bank member side and an External Account that Bank receives by the Cutoff Time on any Business Day will begin processing through a card network or ACH Network on the same dayReceiver side based upon whether the Receiver enters his/her card details (card network) or routing instructions (ACH Network). Transfers to an External Account CUTX will be deducted from your Transfer From account held by Bank on the Transfer On date and will usually be reflected in your External Account on the next Business Day. However, the receiving bank’s processing policies and guidelines still apply and may not allow for same day availability. Transfers from External Accounts are subject to the processing times of the financial institution holding your External Account. Instructions for transfers from External Accounts that Bank receives by the Cutoff Time on any Business Day will be sent to the holder of your External Account on the same day for processing. Transfer instructions relating to External Accounts and the transmission and issuance of data related to such instructions shall be received pursuant to the terms of this Agreement and the rules of follow the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines with respect to funds availability for those transactions that process through the applicable automated clearing house ACH Network and when the credit posts to your CUTX Account. You understand that when CUTX is acting as the Receiving Depository Financial Institution ("Regional ACH") (collectivelyRDFI), the "Rules") and you and Bank agree to receiving ACH credit entry will be bound by such Rules as in effect from time to time. In accordance with such Rules, any transferred into your CUTX Account not later than the next business day following the date the ACH credit entry posts to your deposit account held by Bank or CUTX Account (settlement date). CUTX will follow the MasterCard® bylaws with respect to your External Account shall be provisional until such credit has been finally settled by Bank or the third party institution which holds your External Account, as the case may beCUTX-issued card. You acknowledge understand and agree that CUTX shall not be liable for the practices and business rules followed by the external financial institution. CUTX reserves the right to stop any External Transfer if we deem necessary to prevent us from taking a loss, in our sole and absolute discretion, without liability to you have received notice of this requirement and of the fact that if Bank does not receive final settlement for a transfer for any reason, Bank shall charge back the amount of such transfer to the Transfer To or Transfer From account (as applicable) or any other of your accounts or claim a refund from youthird party.

External Transfers. Bank Within Digital Banking you may separately enroll for the External Transfers service. This Service allows you to transfer funds between your linked personal deposit Accounts at Shell FCU and certain deposit accounts at other financial institutions. An inbound transfer moves funds into an Account at Shell FCU. An outbound transfer moves funds from an Account at Shell FCU to an account outside of Shell FCU. You will need to enroll each of your non-Shell FCU accounts that you wish to use for this Service. You agree that you will only attempt to enroll accounts for which you have the authority to transfer funds. All accounts requested to be used as part of this Service will be verified in accordance with Shell FCU procedures. You may either use the “Instant Account Verification” process by entering valid credentials for accessing the account at the external financial institution, or utilize the manual enrollment process. You will have approximately 30 days after enrolling an account to complete the verification process. Verification instructions will be provided during the enrollment process. Funds requested to be transferred will typically be debited/credited to your Shell FCU Account the business day following the day you initiate the transfer, provided you have met the cutoff time for submitting External Transfers. In the case of a future-dated or recurring transfer, these time limits will be the business day following the scheduled date of the transfer. The cutoff time for initiating transfers is normally 3:00pm Central. Funds requested to be transferred will be debited/credited to the non- Shell FCU account according to the receiving Financial Institution’s availability and transaction processing schedule. Requests for immediate transfers of funds cannot be canceled past the cut off time. Future-dated and recurring transfers can be canceled by 3:00pm Central the day prior to the scheduled transfer date. If the transfer status is indicated as successful, the transfer is complete and cannot be canceled. There currently are no fees for the Service. A current copy of this Digital Banking Agreement can be viewed on our website at xxx.xxxxxxxx.xxx or by contacting us at (000) 000-0000. Mobile Deposits Mobile deposits are designed to allow you to make deposits to your eligible checking, savings, or money market checking Accounts from home or other remote locations by capturing an electronic image of a check and delivering said image and deposit information to Shell FCU’s designated processor. When you use this Service, you accept this Agreement. Shell FCU reserves the right, at its discretion, to modify, change, add or remove portions of this Service. Continued use of this Service will indicate acceptance of any such changes. We are required by law to tell you which checks can be deposited using this Service. You agree to scan and deposit “checks” only as defined in Federal Reserve Board Regulation CC (“Reg CC”). What this means is that some items are ineligible for deposit and you agree that you will not use this Service to scan or attempt to deposit any of the following types of checks or other ineligible items: • Checks payable to any person or entity other than the person or entity that owns the Account into which the check is being deposited. • Checks containing an alteration on the front of the check or item, or which you know or suspect, or should know or suspect, are fraudulent or otherwise not authorized by the owner of the account on which the check is drawn. • Checks payable jointly, unless deposited into an Account in the name of all Payees. • Checks drawn on a Financial Institution located outside of the United States. • Checks that are remotely created checks, as defined in Reg CC. • Checks not payable in United States currency. • Checks or items that are not acceptable under the terms of your Shell FCU Membership and Account Agreement. • Checks payable on sight or payable through Drafts, as defined in Reg CC. • Checks with any endorsement on the back other than that specified within this Agreement. • Checks that have been previously deposited at any financial institution or that have been submitted through this Service or through an electronic deposit delivery system offered by any other Financial Institution and/or Shell FCU. (e.g. Mobile, Branch, ATM, and Automated Clearing House (ACH) check conversions.) • Checks that are drawn on or produced from any of your Shell FCU Account(s), written to yourself, and authorized by yourself for deposit to your own Account. You must endorse a check on the back before making a Mobile Deposit. You agree to endorse any item transmitted through this service to include “For Mobile Deposit Only” and a signature of the Payee(s) listed on the front of the check. This is known as a “restrictive” endorsement. You agree to follow all procedures for the use of this Service as required by Shell FCU and as required by law. For your protection, we may establish limits on the dollar amount and/or number of items or deposits eligible to be processed through this Service. If you attempt to initiate a deposit in excess of these limits, we may reject your deposit. If we permit you to make a deposit in excess of these limits, such deposit will still be subject to the terms of this Agreement, and we will not be obligated to make allow such a deposit at other times. The current daily dollar limit is $5,000.00 per business day, for qualified users. In addition, the current monthly dollar limit is $20,000.00 per any transfer you may request unless there are sufficient available funds in your Transfer From account to cover the transfer 30 consecutive calendar day period, for qualified users. There is no daily or monthly statement cycle limit on the Transfer On datenumber of items, as long as the respective dollar limits are not exceeded. Daily and monthly deposit limits may vary for qualified users. Items transmitted using this Service are not subject to Federal Reserve Board Regulation CC or Shell FCU’s Funds Availability Policy. If there the image of an item is approved before 4:00pm Central on a business day that we are insufficient available funds to cover a transferopen, Bank will not retry the transaction and the transfer will be immediately rejected. As well, you are responsible for providing Bank accurate and complete information and for verifying we consider that all money has been properly transferred to the appropriate accounts. The Cutoff Time for the External Transfer Service is 6pm CST on any Business Day. All Cutoff Times referenced in this Agreement reflect the times displayed on Bank’s internal system clocks and may not necessarily be synchronized with the internal clock displayed on your computer. For this reason, Xxxx suggests that you transmit any instructions to Bank sufficiently in advance of such Cutoff Times to eliminate the possibility of missing the Cutoff Time. All outgoing transfers are assumed day to be Next Daythe day of your deposit. Money being transferred is taken out of the Bank Transfer From account on the Business Day Otherwise, we will consider that the transfer is requested, assuming all funds are available. Transfers between deposit accounts held by Bank and an External Account that Bank receives by the Cutoff Time on any Business Day will begin processing on the same day. Transfers to an External Account will be deducted from your Transfer From account held by Bank on the Transfer On date and will usually be reflected in your External Account was made on the next Business Daybusiness day we are open. HoweverFunds deposited using this service will generally be made available within 24-48 hours, excluding weekends (Saturday and Sunday) and Federal holidays. Shell FCU may make such funds available sooner based on such factors as the receiving bank’s processing policies length and guidelines still apply extent of your relationship with us, transaction information, and may not allow for same day availabilityother factors deemed relevant by Shell FCU. Transfers from External Accounts are subject to the processing times of the financial institution holding your External Account. Instructions for transfers from External Accounts that Bank receives by the Cutoff Time on any Business Day Extended holds will be sent to the holder placed on deposits when deemed necessary. Upon your receipt of your External Account on the same day for processing. Transfer instructions relating to External Accounts and the transmission and issuance of data related to such instructions shall be a confirmation from Shell FCU that we have received pursuant to the terms of this Agreement and the rules of the National Automated Clearing House Association ("NACHA") and the applicable automated clearing house ("Regional ACH") (collectively, the "Rules") and you and Bank agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, any credit to your deposit account held by Bank or your External Account shall be provisional until such credit has been finally settled by Bank or the third party institution which holds your External Account, as the case may be. You acknowledge an image that you have received notice of this requirement and transmitted, you agree to retain the check for at least ninety days from the date of the fact image transmission. After ninety days, you agree to destroy the check that if Bank does not you transmitted as an image, mark it “void”, or otherwise render it incapable of further transmission, deposit, or presentment. During the time the retained check is available, you agree to provide it to Shell FCU upon request within 3 business days of the request. If you are unable to provide the requested item, Shell FCU reserves the right to reverse the original deposited funds at our discretion. eStatements By optionally enrolling to receive final settlement eStatements, eNotices, eTax Forms and other records electronically, you consent to permit Shell FCU to provide communications and information to you in a secure electronic format rather than in paper form, for your selected Accounts. You authorize us to notify you at your registered email address each time a transfer new eStatement or other electronic document is available for an Account that you have selected, to let you know it’s available in Digital Banking. Up to 24 months of consecutive monthly Statements and Notices will be available and can be viewed, printed or saved, at your discretion. Statements and Notices beyond that timeframe and no longer accessible online can be requested by contacting us. There is no fee to request a paper copy of a regulatory notice or a copy of changes to fees or terms on your Account. If you wish to have a paper copy of a Statement or check, normal research fees may apply. Please refer to our Rate and Fee Schedule for details. You have the right to withdraw your consent to receive eStatements at any reason, Bank shall charge back time. This can be done from within the amount of such transfer to Digital Banking Services or by contacting us. Once the Transfer To or Transfer From account (as applicable) or any other withdrawal of your accounts consent has been received and processed, you will no longer receive eStatements, nor have access to these documents within Digital Banking. You must promptly review your Statements and any accompanying items and notify us in writing of any error, unauthorized signature, alteration or claim a refund from youirregularity. Please write to us at Shell Federal Credit Union, P.O. Box 578, Deer Park, TX 00000-0000. You may also contact us via telephone at (000) 000-0000, or in person at any of our locations (within the applicable time periods specified in your Membership and Account or Deposit Agreements).

External Transfers. Bank You may sign up separately to use our “External Transfer” feature within Personal Branch. The External Transfer feature will not allow you to transfer funds between your accounts at Emory Alliance CU and approved External Accounts at other financial institutions. External Accounts are non-Emory Alliance CU accounts. - Inbound and Outbound Transfers. The External Transfer feature supports inbound and outbound transfers from non-Emory Alliance CU accounts. Inbound transfers allow you to move funds into an account at Emory Alliance CU from an External account. Outbound transfers move funds from an account at Emory Alliance CU to an External Account. - External Account Approval. You must register and request approval for each of your External Accounts. You may only register External Accounts for which you have the authority to transfer funds. As part of the approval process we may verify ownership of the External Account and/or your authority to transfer funds. As part of this verification process, we may perform a credit inquiry or request copies of bank statements or canceled checks for your External Accounts. - Cut-off Time. The cut-off time for scheduling external transfers is 5:00 p.m. ET. Any External Transfer request made after the cutoff time will be obligated initiated the next business day, excluding Saturdays. - Fees. - Inbound Transfers: There is no fee for transferring funds into the Emory Alliance CU. - Outbound Transfers: There is no fee for transferring funds to make any an External Account. - Processing External Transfers. Inbound and outbound transfers will be considered Three-Business-Day Transfers. For Three- Business-Day Transfers, funds are credited on the third business day after you initiate the external transfer you may request. An External Transfer request unless there are sufficient available funds remains in your “processing” status until fully processed. Transfers in “processing” status will appear in “Transfer From account to cover History” within the Transfer tab in Personal Branch. Three-Business-Day Transfers typically remain in “processing” status until the close of the third business day after the transfer request is initiated. - Transactional Limits. Transactional dollar limits may be imposed for inbound and outbound transfers. These limits will be disclosed to you upon approval of your External Account(s). Any dollar limits imposed will apply to the total of all transfers to a specific External Account on any given day. Any transfer initiated on a day that is not a business day, as defined within this Agreement, counts toward the applicable limit for the next business day. - Editing or Canceling External Transfers. Pre-scheduled External Transfer requests can be edited or canceled prior to cut-off time on the Transfer On scheduled processing date. If there are insufficient available funds to cover a transferAfter the cut-off time, Bank will not retry the transaction and the transfer will be immediately rejected. As well, you are responsible for providing Bank accurate and complete information and for verifying that all money has been properly transferred to the appropriate accounts. The Cutoff Time for the External Transfer requests are submitted to Emory Alliance CU and its service provider(s) for processing and we will not have sufficient time to respond to any cancellation requests. - Service is 6pm CST on Termination and Changes in Dollar Limits. You agree we may cancel your access to the External Transfer feature, without prior notice, upon the occurrence of any Business Day. All Cutoff Times referenced in this Agreement reflect the times displayed on Bank’s internal system clocks and may not necessarily be synchronized with the internal clock displayed on your computer. For this reason, Xxxx suggests that you transmit any instructions to Bank sufficiently in advance of such Cutoff Times to eliminate the possibility of missing the Cutoff Time. All outgoing transfers are assumed to be Next Day. Money being transferred is taken out of the Bank Transfer From account on the Business Day that the transfer is requestedfollowing events, assuming all funds are available. Transfers between deposit accounts held by Bank and an External Account that Bank receives by the Cutoff Time on any Business Day will begin processing on the same day. Transfers to an External Account will be deducted from your Transfer From account held by Bank on the Transfer On date and will usually be reflected in your External Account on the next Business Day. However, the receiving bank’s processing policies and guidelines still apply and may not allow for same day availability. Transfers from External Accounts are subject to the processing times of the financial institution holding your External Account. Instructions for transfers from External Accounts that Bank receives by the Cutoff Time on any Business Day will be sent to the holder of your External Account on the same day for processing. Transfer instructions relating to External Accounts and the transmission and issuance of data related to such instructions shall be received pursuant to the terms of this Agreement and the rules of the National Automated Clearing House Association ("NACHA") and the applicable automated clearing house ("Regional ACH") (collectively, the "Rules") and you and Bank agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, any credit to your deposit account held by Bank or your External Account shall be provisional until such credit has been finally settled by Bank or the third party institution which holds your External Account, as the case may be. You acknowledge that you have received notice of this requirement and of the fact that if Bank does not receive final settlement for a transfer for any reason, Bank shall charge back the amount of such transfer to the Transfer To or Transfer From account (as applicable) or any other event that creates an unanticipated liability for this Institution: - Any of your accounts with Emory Alliance CU are not current or claim a refund from youare not in good standing. - You have had an overdraft, an over-limit item, or an item returned for insufficient funds with respect to any Emory Alliance CU account during the current or three prior calendar months. - You have had any prior External Transfer canceled, revoked or incomplete due to insufficient funds, revoked authorization, stopped payments, frozen accounts, or any similar reason. Furthermore, we may change the dollar limits for External Transfers at any time. Any decrease will be subject to notice, as required by law, but you agree that we may reduce your limits without prior notice upon occurrence of any of the events listed in this section of the Agreement.

External Transfers. Bank will not External Transfers can be obligated used to make any transfer funds between an eligible account held by us and an External Account. To initiate External Transfers you must have at least one eligible deposit account. We reserve the right to determine eligibility and to restrict categories of recipients to whom External Transfers may request unless there are sufficient available funds be made in our sole discretion. Transfers to or from External Accounts may be made in amounts of up to $2,000 per transaction or a maximum of $2,000 per day in the aggregate from all your Transfer From account to cover the transfer on the Transfer On date. If there are insufficient available funds to cover a transfer, Bank will not retry the transaction and the transfer will be immediately rejected. As well, you are responsible for providing Bank accurate and complete information and for verifying that all money has been properly transferred to the appropriate combined accounts. The Cutoff Time for the External Transfer Service is 6pm CST on any Business Day. All Cutoff Times referenced in this Agreement reflect the times displayed on Bank’s internal system clocks and may not necessarily be synchronized with the internal clock displayed on your computer. For this reason, Xxxx suggests that you transmit any instructions to Bank sufficiently in advance of such Cutoff Times to eliminate the possibility of missing the Cutoff Time. All outgoing transfers are assumed to be Next Day. Money being transferred is taken out of the Bank Transfer From account on the Business Day that the transfer is requested, assuming all funds are available. Transfers between eligible deposit accounts held by Bank and an External Account that Bank receives we receive by the Cutoff Time on any Business Day will begin processing on the same day. Transfers to an External Account will be deducted from your Transfer From account Account held by Bank us on the Transfer On calendar date and will usually be reflected in your External Account on the next Business Day. However, the receiving bank’s processing policies and guidelines still apply and may not allow for same day availabilityDeliver By date. Transfers from External Accounts are subject to the processing times of the financial institution holding your External Account. Instructions for transfers from External Accounts that Bank receives we receive by the Cutoff Time on any a Business Day will be sent to the holder of your External Account on the same day for processing. Instructions entered via the External Transfer Service may be Cancelled until the Cutoff Time on the Send On date. Transfer instructions relating to External Accounts and the transmission and issuance of data related to such instructions shall be received pursuant to the terms of this Agreement and the rules of the National Automated Clearing House Association ("NACHA") and the applicable automated clearing house ("Regional ACH") (collectively, the "“Rules"”) and you and Bank we agree to be bound by such Rules as in effect from time to time. In accordance with such Rules, any credit to your deposit or prepaid account held by Bank us, or your External Account shall be provisional until such credit has been finally settled by Bank us or the third party institution which holds your External Account, as the case may be. You acknowledge that you have received notice of this requirement and of the fact that if Bank does we do not receive final settlement for a transfer for any reason, Bank we shall charge back the amount of such transfer to the Transfer To or Transfer From account Account (as applicable) or any other of your accounts or claim a refund from you.