Common use of INTERNET BANKING TRANSACTIONS Clause in Contracts

INTERNET BANKING TRANSACTIONS. You must have enough available money or credit in any account from which you instruct us to make a payment or transfer. If any of your eligible accounts are savings accounts, certain types of withdrawals from those accounts, including payments and transfers, are limited. Financial Resources requires that an Account holder make no more than six (6) transfers or withdrawals during any statement cycle. The kinds of withdrawals covered by this limitation are those made by means of preauthorized or automatic transfers and payments or telephone transfers. If you have a Money Market account, a total of only 3 of these kinds of withdrawals may be made by check, draft, debit card, or similar order payable to third parties. • Account balances may differ from your records due to deposits, outstanding checks or other withdrawals, payments, or charges in process. If you have further questions, please contact our Member Service Center at 000-000-0000. • The Credit Union will not immediately receive E-mail that you send. Therefore, you should not rely on E-mail if you need to communicate with the Credit Union immediately. For example, if you need to report an unauthorized transaction from one of your accounts you should contact the Credit Union immediately. The Credit Union will not take actions based on your E-mail requests until the Credit Union actually receives your message and has a reasonable opportunity to act. Online Banking Bill Pay requires an additional enrollment application that is accessed within Online Banking. Select the Bill Pay icon and instructions will appear. After your enrollment is submitted, you will receive: • A confirmation email that your enrollment application was received • A confirmation email that the service is available for use To subscribe to Bill Pay, you must have an eligible Credit Union Checking Account in good standing. If you subscribe to this service, you may use Bill Pay to make payments from your designated Credit Union Checking Account - the "Payment Account". To pay bills using Bill Pay, you must use your computer to authorize a payment from a Payment Account. After your instruction is received, payment will be made either by transferring funds electronically from a Payment Account to the person or business you are paying (”Payee”), or by preparing a check from a Payment Account payable to the Payee and sending the check to the Payee. Using Bill Pay, you can only pay payees with United States addresses. While most payments can be made using Bill Pay, the Credit Union reserves the right to refuse to pay certain payees. You agree not to use Online Banking to pay Payees to whom you are obligated for tax payments or payments made pursuant to court orders or fines. Bill payments are processed on business days, which include Monday - Saturday. No payments are processed on Sundays or Federal holidays. You may use Bill Pay to authorize a single, one-time payment or automatic recurring payments to pay your recurring bills. Recurring payments must be for the same amount each month and will typically be paid on the same calendar day of each month. If the date of a scheduled recurring payment falls on a Sunday, the bill payment will be processed on the day before - Saturday. If the date of a scheduled recurring payment falls on a holiday, the bill payment will be processed on the business day prior to the holiday date. Please note that although bill payments can be set up during the weekend, the first day that you may schedule a payment (single payment or the first of a recurring payment) is the first business day following the weekend (excluding holidays that may fall on a weekday). When you have entered and transmitted a payment instruction, you authorize the Credit Union to reduce the Payment Account accordingly. If there are insufficient funds in the Payment Account to make payments you have authorized, the Credit Union may either refuse or pay the item or it may make the payment and thereby overdraw the Payment Account. In either event, you are responsible for any non- sufficient funds (NSF) or overdraft charge the Credit Union may impose, as stated in the Deposit Agreements. The Credit Union reserves the right to refuse to honor payment requests that reasonably appear to the Credit Union to be fraudulent or erroneous. You may make individual bill payments, up to the amount of the available balance in your account. For security reasons, we reserve the right to limit the frequency and dollar amount of transactions from your accounts. When using Bill Pay, you should enter and transmit your bill payment instructions at least five (5) business days before a bill is due. It is your responsibility to authorize your bill payments in such a manner that your bills may be paid on time. You are responsible for any late payment or finance charges that may be imposed as a result of your failure to transmit payment instructions at least five (5) business days in advance.

INTERNET BANKING TRANSACTIONS. You must have enough available money or credit in any may perform the following actions transactions on BANKWEST’s Internet Banking Services: Balance Inquiries You may use BANKWEST’s Internet Banking Services to check your current balance, view recent account from which you instruct us to make a payment or transfer. If any of your eligible accounts are savings transactions on deposit accounts, certain types of withdrawals from those loan accounts, including payments and transferstime deposit accounts Download to other Software BANKWEST’s Internet Banking Services allows you to download your transaction information to the following file types: .ofx, are limited.iif, .qif, .csv, .txt Funds Transfers You may use BANKWEST’s Internet Banking Services to transfer funds between applicable accounts. Financial Resources requires that an Account holder make no more than six (6) transfers or withdrawals during any statement cycle. The kinds of withdrawals covered by this limitation are those made by means of preauthorized or automatic transfers and payments or telephone transfers. If you have a Money Market account, a total of only 3 of these kinds of withdrawals may be made by check, draft, debit card, or similar order payable to third parties. • Account balances may differ from your records due to deposits, outstanding checks or other withdrawals, payments, or charges in process. If you have further questions, please contact our Member Service Center at 000-000-0000. • The Credit Union will not immediately receive E-mail that you send. Therefore, you should not rely on E-mail if you need to communicate with the Credit Union immediately. For example, if you need to report an unauthorized transaction from one of your accounts you should contact the Credit Union immediately. The Credit Union will not take actions based on your E-mail requests until the Credit Union actually receives your message and has a reasonable opportunity to act. Online Banking Bill Pay requires an additional enrollment application that is accessed within Online Banking. Select the Bill Pay icon and instructions will appear. After your enrollment is submitted, you will receive: • A confirmation email that your enrollment application was received • A confirmation email that the service is available for use To subscribe to Bill Pay, you must have an eligible Credit Union Checking Account in good standing. If you subscribe to this serviceTypically, you may use Bill Pay transfer from deposit and savings accounts to make payments from deposit, savings, and loan accounts. The dollar amount per transfer is limited only by the balance in your designated Credit Union Checking Account - the "Payment Account"account. To pay bills using Bill Pay, you must use your computer to authorize a payment from a Payment Account. After your instruction is received, payment will be made either by transferring funds electronically from a Payment Account to the person or business you Fund transfers that are paying done after 6:00 PM (”Payee”), or by preparing a check from a Payment Account payable to the Payee and sending the check to the Payee. Using Bill Pay, you can only pay payees with United States addresses. While most payments can be made using Bill Pay, the Credit Union reserves the right to refuse to pay certain payees. You agree not to use Online Banking to pay Payees to whom you are obligated for tax payments or payments made pursuant to court orders or fines. Bill payments are processed on business days, which include Monday - Saturday. No payments are processed on Sundays or Federal holidays. You may use Bill Pay to authorize a single, one-time payment or automatic recurring payments to pay your recurring bills. Recurring payments must be for the same amount each month and will typically be paid on the same calendar day of each month. If the date of a scheduled recurring payment falls on a Sunday, the bill payment Central Time) will be processed on the day before - Saturdayfollowing business day. If your account has restrictions related to the date number of withdrawals allowing during a scheduled recurring payment falls on a holidaystatement cycle, the bill payment those restrictions will be processed on the business day prior enforced as according to the holiday dateyour original account agreement. Please note that although bill payments can be set up during the weekendStatements/Notices You may use BANKWEST’s Internet Banking Services to enroll and receive your statements and various bank correspondence electronically. You will get a monthly account statement from us, the first day that you may schedule a payment (single payment or the first of a recurring payment) is the first business day following the weekend (excluding holidays that may fall on a weekday). When you have entered and transmitted a payment instruction, you authorize the Credit Union to reduce the Payment Account accordingly. If unless there are insufficient funds no transfers in the Payment Account to make payments you have authorized, the Credit Union may either refuse or pay the item or it may make the payment and thereby overdraw the Payment Accounta particular month. In either event, any case you are responsible will get a statement at least quarterly. Your account statements will be available for any non- sufficient funds (NSF) or overdraft charge the Credit Union may impose, as stated in the Deposit Agreementsyou to view and print for 365 days. The Credit Union reserves the right Stop Payments BANKWEST’s Internet/Mobile Banking allows you to refuse complete stop payments online. Stop payments will only be validated for checks that have not already posted to honor payment requests that reasonably appear to the Credit Union to be fraudulent or erroneous. You may make individual bill payments, up to the amount of the available balance in your account. For security reasons, we reserve the right to limit the frequency and dollar amount of transactions from your accounts. When using The normal stop payment fee applies to all stop payments. View Current Deposit Rates You may view the current deposit rates through BANKWEST’s Internet Banking Services. Mobile Deposit Deposit Checks through use of an internet enabled mobile device with the ability to take photographs. Qualifications and fees may apply. See Mobile Deposit Terms and Conditions. (Available through Mobile App only) Bill Pay Pay third parties (businesses or individuals) through Bill Pay. See Bill Pay Services Agreement for terms and conditions. All Internet Banking Services transactions initiated after 6:00 PM Central Time will be posted to the appropriate account on the next Business day. The use of BANKWEST’s Internet Banking Services are free. Please note, you should enter and transmit if using a mobile device, fees may apply from your bill payment instructions at least five (5) business days before a bill is due. It is your responsibility to authorize your bill payments in such a manner that your bills may be paid on time. You are responsible for any late payment or finance charges that may be imposed as a result of your failure to transmit payment instructions at least five (5) business days in advancewireless provider.