Common use of FEES FOR OVERDRAWING ACCOUNTS Clause in Contracts

FEES FOR OVERDRAWING ACCOUNTS. Fees for overdrawing your account may be imposed on each check, draft , item, ATM transaction and one-time debit transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdraw al or transfer transaction that is draw n on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit transactions, you must consent to the Credit Union's overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdraft s are shown in the document the Credit Union uses to capture the member's opt-in choice for overdraft protection and the Schedule of Fees and Charges. Par Value of One Share $25.00 Number of Shares Required 1

FEES FOR OVERDRAWING ACCOUNTS. Fees for overdrawing your account may be imposed on each check, draft draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdraw al withdrawal or transfer transaction that is draw n drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union's ’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdraft s overdrafts are shown in the document the Credit Union uses to capture the member's ’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Par Value of One Share $25.00 Number of Shares Required 1.

FEES FOR OVERDRAWING ACCOUNTS. Fees for overdrawing your account may be imposed on each check, draft , item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdraw al withdrawal or transfer transaction that is draw n drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft check or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union's ’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdraft s overdrafts are shown in the document the Credit Union uses to capture the member's ’s opt-in choice for overdraft protection and the Rate Addendum, Truth in Savings Disclosures and Schedule of Fees and Charges. Par Value You may be eligible to opt-in for courtesy pay after 60 days of One Share $25.00 Number of Shares Required 1your account being in good standings. If you would like overdraft coverage for your ATM withdrawals and everyday debit card purchases, please contact the Credit Union for more information or to opt-in.

FEES FOR OVERDRAWING ACCOUNTS. Fees for overdrawing your account may be imposed on each check, draft , item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdraw al withdrawal or transfer transaction that is draw n drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft check or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union's ’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdraft s overdrafts are shown in the document the Credit Union uses to capture the member's ’s opt-in choice for overdraft protection and the Rate Addendum and Schedule of Fees and Charges. Par Value of One Share $25.00 Number of Shares Required 1.

FEES FOR OVERDRAWING ACCOUNTS. Fees for overdrawing your account may be imposed on each check, draft draft, item, ATM transaction and one-time debit card transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone telephone-initiated withdrawal or any other electronic withdraw al withdrawal or transfer transaction that is draw n drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union's ’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdraft s overdrafts are shown in the document the Credit Union credit union uses to capture the member's ’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Par Value of One Share $25.00 Number of Shares Required 1.

FEES FOR OVERDRAWING ACCOUNTS. Fees A fee for overdrawing your account may be imposed on each check, draft draft, item, ATM transaction and one-time debit transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdraw al withdrawal or transfer transaction that is draw n drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit transactions, you must consent to the Credit Union's ’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdraft s overdrafts are shown in the document the Credit Union uses to capture the member's ’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Par Value of One Share $25.00 Number of Shares Required 1.

FEES FOR OVERDRAWING ACCOUNTS. Fees for overdrawing your account may be imposed on each check, draft draft, item, ATM transaction and one-time debit transaction (if member has consented to overdraft protection plan for ATM and one-time debit card transactions), preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdraw al withdrawal or transfer transaction that is draw n drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Schedule for current fee information. For ATM and one-time debit transactions, you must consent to the Credit Union's ’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees Fees for overdraft s overdrafts are shown in the document the Credit Union uses to capture the member's optFee Schedule. TRUTH-in choice for overdraft protection and the Schedule of Fees and Charges. Par Value of One Share $25.00 Number of Shares Required 1IN-SAVINGS DISCLOSURE Certificate Accounts

FEES FOR OVERDRAWING ACCOUNTS. Fees for overdrawing your account may be imposed on each check, draft draft, item, ATM transaction and one-time debit transaction (if member has consented to overdraft protection plan for ATM and one-time card withdrawal, debit card transactions)point of purchase, preauthorized automatic debit, telephone initiated withdrawal or any other electronic withdraw al withdrawal or transfer transaction that is draw n drawn on an insufficient available account balance. The entire balance in your account may not be available for withdrawal, transfer or paying a check, draft or item. You may consult the Funds Availability Policy Disclosure for information regarding the availability of funds in your account. Fees for overdrawing your account may be imposed for each overdraft, regardless of whether we pay or return the draft, item or transaction. If we have approved an overdraft protection limit for your account, such fees may reduce your approved limit. Please refer to the Fee Member Account Service Charge Schedule for current fee information. For ATM and one-time debit card transactions, you must consent to the Credit Union's ’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdraft s overdrafts are shown in the document the Credit Union credit union uses to capture the member's ’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Par Value of One Share $25.00 Number of Shares Required 1Member Account Service Charge Schedule.