Common use of Fees and Charges Clause in Contracts

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO 24"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("AUDIO 24BANK BY PHONE"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR MOBILE INTERNET REMOTE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKING

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO 24TELESOURCE TELEPHONE TRANSFERS"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE HOME BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR MOBILE INTERNET REMOTE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("“E-CHECK"”).

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the an accompanying schedule of fees and charges pricing document provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE VISA DEBIT CARD (ATM) CARD OR "VISA DEBIT CARD"), OUR AUDIO RESPONSE SYSTEM ("AUDIO 24ACCOUNT ACCESS"), OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGCUe-BRANCH"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE PORTABLE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. VISA DEBIT CARD, AUDIO ACCOUNT ACCESS, CUe-BRANCH,

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT MASTERMONEY CHECK CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO 24TELEPHONE SERVICE"), OUR AND INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("ELECTRONIC/PC INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO 24TOUCH TONE TELLER"), OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE HOME BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCESS ENABLED MOBILE BANKING SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. VISA DEBIT CARD, TOUCH TONE TELLER, HOME BANKING, MOBILE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO 24"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGINTERNET 24"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR FREEDOM NORTHWEST VISA DEBIT CARD (“CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO 24"”), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("MOBILE INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCOUNT ACCESS SYSTEM ("“MOBILE BANKING"”), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. FREEDOM NORTHWEST VISA DEBIT CARD, ONLINE BANKING, MOBILE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE MASTERCARD DEBIT CARD (ATM) CARD OR VISA DEBIT "CARD"), OUR AUDIO RESPONSE SYSTEM ("AUDIO 24FAST TELLER"), AND OUR ONLINE BANKING SYSTEM ("▇▇▇▇▇▇▇▇@▇▇▇▇"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCESS SYSTEM ("MOBILE BANKING"”), . EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. MASTERCARD DEBIT CARD, FAST TELLER, ▇▇▇▇▇▇▇▇@▇▇▇▇, MOBILE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE MASTERCARD DEBIT CARD (ATM) CARD OR VISA DEBIT "CARD"), OUR AUDIO RESPONSE SYSTEM ("AUDIO 24BANK-BY-PHONE"), OUR INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("ONLINE BANKING"), OUR MOBILE ONLINE BANKING SYSTEM ("MOBILE BANKING"), AND OUR ELECTRONIC BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCESS SYSTEM ("MOBILE BANKINGPAY"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO 24TELEPHONE BANKING"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("“ONLINE BANKING"), OUR INTERNET BILL PAYMENT SYSTEM ("INTERNET “ONLINE BILL PAYMENT") AND OUR INTERNET REMOTE ACCESS SYSTEM ("MOBILE BANKING"PAY”), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("“E-CHECK"”).. VISA DEBIT CARD, TELEPHONE BANKING, ONLINE BANKING, ONLINE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the an accompanying schedule of fees and charges pricing document provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL DISCLOSURE STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) ATM CARD OR AND VISA DEBIT CHECK CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO 24"“PERSONAL ACCOUNT LINE”), OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGPC BRANCH"), AND OUR BILL PAYMENT SYSTEM ("INTERNET “BILL PAYMENT"”) AND OUR INTERNET REMOTE ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER NUMBERS (PINPINS) AND/OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. ATM CARD, VISA CHECK CARD, PERSONAL ACCOUNT LINE, PC ▇▇▇▇▇▇, ▇▇▇▇

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO 24PATT"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR MOBILE INTERNET REMOTE ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. VISA DEBIT CARD, PATT, ONLINE BANKING, MOBILE BANKING AND E-

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE VISA CHECK CARD (ATM) CARD OR VISA DEBIT "CARD"), OUR AUDIO RESPONSE SYSTEM ("COLORAMO AUDIO 24TELLER"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGMOBI¢INT"), OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBI¢INT MOBILE"), AND OUR INTERNET BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCESS SYSTEM ("MOBILE BANKINGCHECKFREE"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. VISA CHECK CARD, COLORAMO AUDIO TELLER, MOBI¢INT, MOBI¢INT

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("AUDIO 24"“TELEPHONE TRANSFERS”), OUR INTERNET ACCOUNT ACCESS SYSTEM ("CU ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR MOBILE INTERNET REMOTE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. VISA DEBIT CARD, TELEPHONE TRANSFERS, CU ONLINE BANKING,

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CHECK CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO 24TELEPHONE TELLER"), AND OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. VISA CHECK CARD, TELEPHONE TELLER, ONLINE BANKING AND

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) ATM CARD OR VISA DEBIT CHECK CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO 24FIRST CALL"), OUR PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("HOME BANKING"), OUR INTERNET REMOTE ACCOUNT ACCESS SYSTEM ("ONLINE MOBILE BANKING"), AND OUR INTERNET ACCESSIBLE BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCESS SYSTEM ("MOBILE BANKING▇▇▇▇ ▇▇▇▇▇"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("AUDIO 24"“BANK BY PHONE”), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR MOBILE INTERNET REMOTE ACCOUNT ACCESS SYSTEM ("“MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("“E-CHECK"”).. VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKING

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL DISCLOSURE STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) ATM CARD OR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("AUDIO 24"“PHONE TELLER”), OUR INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("ONLINE HOME BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCESS MOBILE ONLINE BANKING SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. ATM CARD, VISA DEBIT CARD, PHONE TELLER, HOME BANKING, MOBILE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("AUDIO 24BANK BY PHONE"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR MOBILE INTERNET REMOTE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) ATM CARD OR VISA MASTERMONEY DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("AUDIO 24TELEPHONE BANKING AUDIO"), AND OUR INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR MOBILE INTERNET REMOTE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"”), . EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) ATM CARD OR VISA MASTERCARD DEBIT CARD, AND OUR AUDIO RESPONSE SYSTEM ("AUDIO 24BANK-BY-PHONE"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("REMOTE INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) ATM CARD OR VISA DEBIT CARD, OUR AUDIO RESPONSE SYSTEM CHECK CARD ("AUDIO 24CARD"), OUR INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("ONLINE HOME BANKING"), OUR MOBILE ONLINE BANKING SYSTEM ("MOBILE BANKING"), AND OUR ELECTRONIC BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCESS SYSTEM ("MOBILE BANKINGPAY"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE ATM CARD (ATM) "CARD"), AND VISA CHECK CARD OR VISA DEBIT ("CARD"), OUR AUDIO RESPONSE SYSTEM ("AUDIO 24VOICE BANKING"), OUR INTERNET ONLINE ACCOUNT ACCESS SYSTEM ("ONLINE DIGITAL BANKING"), AND OUR ELECTRONIC BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE ACCESS SYSTEM ("MOBILE BANKINGPAY"), . EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. ATM CARD, VISA CHECK CARD, VOICE BANKING, DIGITAL BANKING,

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO 24TELEPHONE TELLER"), OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGE- BRANCH"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE SMARTPHONE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. VISA DEBIT CARD, TELEPHONE TELLER, E-BRANCH, MOBILE BANKING,

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE VISA CHECK CARD (ATM) CARD OR VISA DEBIT "CARD"), OUR AUDIO RESPONSE SYSTEM ("AUDIO 24RESPONSE"), OUR INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("ONLINE VIRTUAL BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR INTERNET REMOTE MOBILE ACCESS ONLINE BANKING SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND OUR ELECTRONIC BILL PAYMENT SYSTEM (“BILL PAY”), AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("“E-CHECK"”).. VISA CHECK CARD, AUDIO RESPONSE, VIRTUAL BANKING, MOBILE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA ATM CARD, MASTERCARD DEBIT CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO 24TELLER-24"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGHOME BRANCHING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR MOBILE INTERNET REMOTE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").. ATM CARD, MASTERCARD DEBIT CARD, TELLER-24, HOME BRANCHING,

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA /DEBIT CARD, OUR AUDIO RESPONSE SYSTEM ("AUDIO PAT 24"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("“ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT"”) AND OUR INTERNET ENABLED REMOTE ACCESS DEPOSIT SYSTEM ("MOBILE BANKINGDEPOSIT CAPTURE"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("“E-CHECK"”).. ATM/DEBIT CARD, PAT 24, ONLINE BANKING, DEPOSIT CAPTURE AND E-

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE MASTERCARD DEBIT CARD (ATM) CARD OR VISA DEBIT "CARD"), OUR AUDIO RESPONSE SYSTEM ("AUDIO 24"“TELEPHONE TRANSFERS”), OUR INTERNET ACCOUNT ACCESS SYSTEM ("CU ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR MOBILE INTERNET REMOTE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK").