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 VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET 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, 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 ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEAUDIO 24"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR MOBILE INTERNET ACCOUNT 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"). 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 VISA ABEFCU ATM OR ABEFCU DEBIT CARD MASTERCARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEABE AUDIO RESPONSE TELEPHONE TRANSFERS"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ABE ONLINE BANKINGBANKING COMPUTER TRANSFERS"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("ABEFCU MOBILE BANKINGAPP"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA ABEFCU ATM, ABEFCU DEBIT CARDMASTERCARD, BANK BY PHONEABE AUDIO RESPONSE TELEPHONE TRANSFERS, ABE ONLINE BANKING, MOBILE BANKINGBANKING COMPUTER TRANSFERS,

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 VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONETELESOURCE TELEPHONE TRANSFERS"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE HOME BANKING"), AND OUR MOBILE INTERNET 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, 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 ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEAUDIO 24"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGINTERNET 24"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR MOBILE INTERNET ACCOUNT 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"). 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 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 VISA MASTERCARD DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY BANK-BY-PHONE"), OUR INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("MOBILE BANKING"), AND OUR ELECTRONIC BILL PAYMENT SYSTEM ("BILL 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, 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 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 VISA DEBIT AUTOMATED TELLER MACHINE (ATM) CARD ("OR MASTERMONEY CHECK CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONETELEPHONE SERVICE"), OUR AND INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE ELECTRONIC/PC INTERNET 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 VISA MASTERCARD DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEFAST TELLER"), AND OUR INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("ONLINE BANKINGXXXXXXXX@XXXX"), AND OUR MOBILE INTERNET 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 MASTERCARD DEBIT CARD, BANK BY PHONEFAST TELLER, ONLINE BANKINGXXXXXXXX@XXXX, MOBILE BANKINGMOBILE

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 VISA DEBIT CARD ("VISA DEBIT CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEAUDIO ACCOUNT ACCESS"), OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGCUe-BRANCH"), AND OUR MOBILE INTERNET PORTABLE 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 PHONEAUDIO ACCOUNT ACCESS, ONLINE BANKING, MOBILE BANKINGCUe-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 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 ATM CARD ("CARD"), AND VISA DEBIT CHECK CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEVOICE BANKING"), OUR INTERNET ONLINE ACCOUNT ACCESS SYSTEM ("ONLINE DIGITAL BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS ELECTRONIC BILL PAYMENT SYSTEM ("MOBILE BANKINGBILL 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 ATM CARD, BANK BY PHONEVISA CHECK CARD, ONLINE VOICE BANKING, MOBILE 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 ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD OR VISA DEBIT CHECK CARD ("CARD"), OUR AUDIO RESPONSE ONLINE BANKING SYSTEM ("BANK BY PHONEHOME BANKING"), OUR INTERNET ACCOUNT ACCESS MOBILE ONLINE BANKING SYSTEM ("ONLINE MOBILE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS ELECTRONIC BILL PAYMENT SYSTEM ("MOBILE BANKINGBILL 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, BANK BY PHONE, ONLINE BANKING, MOBILE BANKING.

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 ATM CARD AND VISA DEBIT CARD ("CHECK CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE"“PERSONAL ACCOUNT LINE”), OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGPC BRANCH"), AND OUR MOBILE INTERNET ACCOUNT ACCESS BILL PAYMENT SYSTEM ("MOBILE BANKING"), “BILL PAYMENT”) EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER NUMBERS (PINPINS) AND/OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT ATM CARD, BANK BY PHONEVISA CHECK CARD, ONLINE BANKINGPERSONAL ACCOUNT LINE, MOBILE BANKINGPC XXXXXX, XXXX

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 VISA ATM/DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEPAT 24"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("“ONLINE BANKING"), ”) AND OUR MOBILE INTERNET ACCOUNT ACCESS ENABLED REMOTE DEPOSIT SYSTEM ("MOBILE BANKINGDEPOSIT CAPTURE"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("“E-CHECK"”). VISA ATM/DEBIT CARD, BANK BY PHONEPAT 24, ONLINE BANKING, MOBILE BANKINGDEPOSIT 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 VISA DEBIT CHECK CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONECOLORAMO AUDIO TELLER"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGMOBI¢INT"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKINGMOBI¢INT MOBILE"), AND OUR INTERNET BILL PAYMENT SYSTEM ("CHECKFREE"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CHECK CARD, BANK BY PHONECOLORAMO AUDIO TELLER, ONLINE BANKINGMOBI¢INT, MOBILE BANKINGMOBI¢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 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 VISA ATM CARD OR MASTERCARD DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEDIRECT DIAL 24"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET 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, 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 VISA ATM CARD OR MASTERCARD DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEDIRECT DIAL 24"), AND OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET 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 ATM CARD, MASTERCARD DEBIT CARD, BANK BY PHONEDIRECT DIAL 24, ONLINE BANKING, MOBILE BANKINGONLINE

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 ATM CARD OR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEAUDIOLINE"), AND OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET 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, VISA DEBIT CARD, BANK BY PHONEAUDIOLINE, ONLINE BANKING, MOBILE BANKINGBANKING 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 ATM CARD OR VISA DEBIT CARD ("CHECK CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEFIRST CALL"), OUR PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("HOME BANKING"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET REMOTE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), AND OUR INTERNET ACCESSIBLE BILL PAYMENT SYSTEM ("INTERNET XXXX XXXXX"), 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, 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 REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONETELEPHONE TELLER"), OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGE- BRANCH"), AND OUR MOBILE INTERNET SMARTPHONE 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 PHONETELEPHONE TELLER, ONLINE BANKINGE-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 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 VISA MASTERCARD DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE"“TELEPHONE TRANSFERS”), OUR INTERNET ACCOUNT ACCESS SYSTEM ("CU ONLINE BANKING"), AND OUR MOBILE INTERNET 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, 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 REGULATION E (12 CFR 1005 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD AUTOMATED TELLER MACHINE ("ATM") CARD"), DEBIT MASTERCARD AND OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEAUDIO TELLER"), OUR INTERNET ) AND PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"“eBRANCH”), 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 ATM CARD, BANK BY PHONEDEBIT MASTERCARD, ONLINE BANKINGAUDIO TELLER, MOBILE BANKINGeBRANCH 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 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 VISA ATM CARD OR MASTERCARD DEBIT CARD ("CARD"), AND OUR AUDIO RESPONSE SYSTEM ("BANK BY BANK-BY-PHONE"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE REMOTE INTERNET 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, 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 VISA ATM CARD, MASTERCARD DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONETELLER-24"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGHOME BRANCHING"), AND OUR MOBILE INTERNET 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 ATM CARD, MASTERCARD DEBIT CARD, BANK BY PHONETELLER-24, ONLINE BANKING, MOBILE BANKINGHOME BRANCHING,