Common use of Optional Overdraft Protection Plans Clause in Contracts

Optional Overdraft Protection Plans. We offer optional overdraft protection plans that you may apply for, such as a personal Line of Credit loan account where your line of credit is used for overdraft protection, and an Overdraft Transfer Service where funds from a linked account are used for overdraft protection. If you apply and qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Program when your account is overdrawn. A Line of Credit and the Overdraft Protection plan may save you money on the total fees you pay us for overdraft protection, when compared to the costs of the Courtesy Pay Program. • Line of Credit. This is a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance the exact amount of your overdraft from your Line of Credit (linked to your checking account) to cover your overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees). You authorize us to deduct the minimum monthly payment from the linked checking account. If you apply for the Line of Credit, you will be provided with our Line of Credit Agreement, which contains the terms and conditions applicable to the Line of Credit. • Overdraft Transfer Service. With this service, you authorize us to make transfers of available funds automatically from your designated “linked” account to cover overdrafts in your checking account. You can designate your choice of “linked” account(s) below. Transfers from your designated linked account are made in the exact amount of the overdraft. You must request to enroll in this service. Each transfer is subject to an Overdraft Transfer Fee, as set forth in your Schedule of Fees and Charges. If you decline to utilize any of the optional overdraft protection plans and you are not eligible for our Courtesy Pay Program, and there are insufficient funds in your checking account to pay an item, your items will not be paid, they will be returned, and an NSF Fee will be charged for each item returned. Transfers will appear on your periodic statements for each applicable account.

Optional Overdraft Protection Plans. We As discussed in more detail above, we also offer the optional overdraft protection plans that you may apply for, such as a personal Line of Credit loan account where your line of credit is used for overdraft protection, and an Overdraft Transfer Service where funds from a linked account are used for overdraft protection. If you apply and qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Program when your account is overdrawn. A Line of Credit and the Overdraft Protection plan may save you money on the total fees you pay us for overdraft protection, when compared to the costs of the Courtesy Pay Program. • Line of Credit. This is a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance the exact amount of your overdraft from your Line of Credit (linked to your checking account) to cover your overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees). You authorize us to deduct the minimum monthly payment from the linked checking account. If you apply for the Line of Credit, you will be provided with our Line of Credit Agreement, which contains the terms and conditions applicable to the Line of Credit. • Overdraft Transfer Service. With this service, you authorize us to make transfers of available funds automatically from your designated “linked” account to cover overdrafts in your checking account. You can designate your choice of “linked” account(s) below. Transfers from your designated linked account are made in the exact amount of the overdraft. You must request to enroll in this service. Each transfer is subject to an Overdraft Transfer Fee, as set forth in your Schedule of Fees and Charges. If you decline to utilize any of the optional overdraft protection plans and you are not eligible for our Courtesy Pay Program, and there are insufficient funds in links your checking account to pay a savings account, as well as other overdraft sources and may be less expensive than Overdraft Tolerance. To learn more, please ask us about these plans. THE BEST WAY TO KNOW HOW MUCH MONEY YOU HAVE AND AVOID PAYING OVERDRAFT FEES IS TO RECORD AND TRACK ALL OF YOUR TRANSACTIONS CLOSELY. PLEASE REVIEW THIS INFORMATION CAREFULLY. IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT US AT 248.549.3838OR VISIT ANY BRANCH. Notice of Receipt of ACH Items. Under the operating rules of the National Automated Clearing House Association which are applicable to ACH trans- actions involving your account and as permitted by law, we are not required to give you next day notice of receipt of an ACH item, your items and we will not do so. We will continue to notify you of the receipt of payments in the periodic statements we provide to you. Provisional Payment (ACH Origination). Credits given by any Receiving Depository Financial Institution to the receiver with respect to any automated clearing house credit entries subject to Article 4A of the Uniform Commercial Code (UCC4A) are provisional until the Receiving Depository Financial Institution has received final settlement through a Federal Reserve Bank, or has otherwise received payment as provided on 4A-403(a) of UCC-4A. If the Receiving Depository Financial Institution does not receive such final settlement or payment, then they shall be paid, they will be returnedentitled to a refund from the receiver of the amount so credited, and an NSF Fee will we shall not be charged deemed to have paid the receiver the amount of such entry. Provisional Payment (ACH Receipt). Credit given by us to you with respect to any automated clearing house credit entry is provisional until we receive final settlement for each item returnedsuch entry through a Federal Reserve Bank. Transfers will appear If we do not receive final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid you the amount of such entry. Choice of Law. We may accept payments on your periodic statements behalf for each your account which have been transmitted through one or more Automated Clearing Houses (“ACH”) and which are not subject to the Electronic Fund Transfer Act. Your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the State of Michigan as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account.

Optional Overdraft Protection Plans. We As discussed in more detail above, we also offer the optional overdraft protection plans that you may apply for, such as a personal Line of Credit loan account where your line of credit is used for overdraft protection, and an Overdraft Transfer Service where funds from a linked account are used for overdraft protection. If you apply and qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Program when your account is overdrawn. A Line of Credit and the Overdraft Protection plan may save you money on the total fees you pay us for overdraft protection, when compared to the costs of the Courtesy Pay Program. • Line of Credit. This is a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance the exact amount of your overdraft from your Line of Credit (linked to your checking account) to cover your overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees). You authorize us to deduct the minimum monthly payment from the linked checking account. If you apply for the Line of Credit, you will be provided with our Line of Credit Agreement, which contains the terms and conditions applicable to the Line of Credit. • Overdraft Transfer Service. With this service, you authorize us to make transfers of available funds automatically from your designated “linked” account to cover overdrafts in your checking account. You can designate your choice of “linked” account(s) below. Transfers from your designated linked account are made in the exact amount of the overdraft. You must request to enroll in this service. Each transfer is subject to an Overdraft Transfer Fee, as set forth in your Schedule of Fees and Charges. If you decline to utilize any of the optional overdraft protection plans and you are not eligible for our Courtesy Pay Program, and there are insufficient funds in links your checking account to pay a savings account, as well as other overdraft sources and may be less expensive than Overdraft Tolerance. To learn more, please ask us about these plans. THE BEST WAY TO KNOW HOW MUCH MONEY YOU HAVE AND AVOID PAYING OVERDRAFT FEES IS TO RECORD AND TRACK ALL OF YOUR TRANSACTIONS CLOSELY. PLEASE REVIEW THIS INFORMATION CAREFULLY. IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT US AT 000.000.0000 OR VISIT ANY BRANCH. NOTICE OF RECEIPT OF ACH ITEMS. Under the operating rules of the National Automated Clearing House Association which are applicable to ACH transactions involving your account and as permitted by law, we are not required to give you next day notice of receipt of an ACH item, your items and we will not do so. We will continue to notify you of the receipt of payments in the periodic statements we provide to you. PROVISIONAL PAYMENT (ACH ORIGINATION). Credits given by any Receiving Depository Financial Institution to the receiver with respect to any automated clearing house credit entries subject to Article 4A of the Uniform Commercial Code (UCC-4A), are provisional until the Receiving Depository Financial Institution has received final settlement through a Federal Reserve Bank, or has otherwise received payment as provided in §4A-403(a) of UCC-4A. If the Receiving Depository Financial Institution does not receive such final settlement or payment, then they shall be paid, they will be returnedentitled to a refund from the receiver or the amount so credited, and an NSF Fee will we shall not be charged deemed to have paid the receiver the amount of such entry. PROVISIONAL PAYMENT (ACH RECEIPT). Credit given by us to you with respect to any automated clearing house credit entry is provisional until we receive final settlement for each item returnedsuch entry through a Federal Reserve Bank. Transfers will appear If we do not receive final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you the amount of such entry. CHOICE OF LAW. We may accept payments on your periodic statements behalf for each your account which have been transmitted through one or more Automated Clearing Houses (“ACH”) and which we are not subject to the Electronic Fund Transfer Act. Your rights and obligations with respect to such payments shall be construed in accordance with and governed by the laws of the State of Michigan as provided by the operating rules of the National Automated Clearing House Association, which are applicable to ACH transactions involving your account.

Optional Overdraft Protection Plans. We As discussed in more detail above, we also offer the optional overdraft protection plans that you may apply for, such as a personal Line of Credit loan account where your line of credit is used for overdraft protection, and an Overdraft Transfer Service where funds from a linked account are used for overdraft protection. If you apply and qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Program when your account is overdrawn. A Line of Credit and the Overdraft Protection plan may save you money on the total fees you pay us for overdraft protection, when compared to the costs of the Courtesy Pay Program. • Line of Credit. This is a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance the exact amount of your overdraft from your Line of Credit (linked to your checking account) to cover your overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees). You authorize us to deduct the minimum monthly payment from the linked checking account. If you apply for the Line of Credit, you will be provided with our Line of Credit Agreement, which contains the terms and conditions applicable to the Line of Credit. • Overdraft Transfer Service. With this service, you authorize us to make transfers of available funds automatically from your designated “linked” account to cover overdrafts in your checking account. You can designate your choice of “linked” account(s) below. Transfers from your designated linked account are made in the exact amount of the overdraft. You must request to enroll in this service. Each transfer is subject to an Overdraft Transfer Fee, as set forth in your Schedule of Fees and Charges. If you decline to utilize any of the optional overdraft protection plans and you are not eligible for our Courtesy Pay Program, and there are insufficient funds in links your checking account to pay an itema savings account, as well as other overdraft sources and may be less expensive than Overdraft Privilege. To learn more, please ask us about these plans. THE BEST WAY TO KNOW HOW MUCH MONEY YOU HAVE AND AVOID PAYING OVERDRAFT FEES IS TO RECORD AND TRACK ALL OF YOUR TRANSACTIONS CLOSELY. PLEASE REVIEW THIS INFORMATION CAREFULLY. IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT US AT 000-000-0000 or toll free at 000-000-0000 OR VISIT ANY BRANCH. Truncated Checks; Statements. Your canceled checks (the checks drawn against your items account that we honor) will not be paidreturned to you, they will become Credit Union property and be returnedheld by us ("truncated") for you. They also may be truncated earlier in the check clearing process, such as by the bank into which the payee deposits them. This may be done either pursuant to a contractual electronic presentment process or under a federal law commonly referred to as “Check 21.” Your monthly statement will itemize your canceled checks by number, date of clearing and an NSF Fee the amount of the check. Any objection respecting any item shown on a periodic statement is waived unless made in writing to the Credit Union within sixty (60) days after the statement is mailed. A copy of any check will be charged available to you as required by law. There may be a small fee to obtain a copy of a check (see the Fee Schedule for each item returneda list of fees). Transfers When a copy of a check is requested, the Credit Union may provide it to you in the form of a “substitute check” as prescribed in the “Check 21” law. Upon issuance, the Credit Union will appear on provide you with a disclosure regarding your periodic statements rights regarding substitute checks and how you may make a claim for each applicable accounta refund for losses related to a substitute check. Stop Payments.

Optional Overdraft Protection Plans. We As discussed in more detail above, we also offer the optional overdraft protection plans that you may apply for, such as a personal Line of Credit loan account where your line of credit is used for overdraft protection, and an Overdraft Transfer Service where funds from a linked account are used for overdraft protection. If you apply and qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Program when your account is overdrawn. A Line of Credit and the Overdraft Protection plan may save you money on the total fees you pay us for overdraft protection, when compared to the costs of the Courtesy Pay Program. • Line of Credit. This is a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance the exact amount of your overdraft from your Line of Credit (linked to your checking account) to cover your overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees). You authorize us to deduct the minimum monthly payment from the linked checking account. If you apply for the Line of Credit, you will be provided with our Line of Credit Agreement, which contains the terms and conditions applicable to the Line of Credit. • Overdraft Transfer Service. With this service, you authorize us to make transfers of available funds automatically from your designated “linked” account to cover overdrafts in your checking account. You can designate your choice of “linked” account(s) below. Transfers from your designated linked account are made in the exact amount of the overdraft. You must request to enroll in this service. Each transfer is subject to an Overdraft Transfer Fee, as set forth in your Schedule of Fees and Charges. If you decline to utilize any of the optional overdraft protection plans and you are not eligible for our Courtesy Pay Program, and there are insufficient funds in links your checking account to pay an itema savings account, as well as other overdraft sources and may be less expensive than Courtesy Pay. To learn more, please ask us about these plans. THE BEST WAY TO KNOW HOW MUCH MONEY YOU HAVE AND AVOID PAYING OVERDRAFT FEES IS TO RECORD AND TRACK ALL OF YOUR TRANSACTIONS CLOSELY. PLEASE REVIEW THE ABOVE INFORMATION CAREFULLY. IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT US AT 000.000.0000 OR VISIT ANY BRANCH. Truncated Checks; Statements. Your canceled checks (the checks drawn against your items account that we honor) will not be paidreturned to you, they will become Credit Union property and be returnedheld by us ("truncated") for you. They also may be truncated earlier in the check clearing process, such as by the bank into which the payee deposits them. This may be done either pursuant to a contractual electronic presentment process or under a federal law commonly referred to as “Check 21.” Your monthly statement will itemize your canceled checks by number, date of clearing and an NSF Fee the amount of the check. Any objection respecting any transaction shown on a periodic statement is waived unless made in writing to the Credit Union within sixty (60) days after the statement is mailed. A copy of any check will be charged available to you as required by law. There may be a small fee to obtain a copy of a check (see the Schedule of Service Charges for each item returneda list of service charges). Transfers When a copy of a check is requested, the Credit Union may provide it to you in the form of a “substitute check” as prescribed in the “Check 21” law. Upon issuance, the Credit Union will appear on provide you with a disclosure regarding your periodic statements rights regarding substitute checks and how you may make a claim for each applicable accounta refund for losses related to a substitute check. Stop Payments.

Optional Overdraft Protection Plans. We As discussed in more detail above, we also offer the optional overdraft protection plans that you may apply for, such as a personal Line of Credit loan account where your line of credit is used for overdraft protection, and an Overdraft Transfer Service where funds from a linked account are used for overdraft protection. If you apply and qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Program when your account is overdrawn. A Line of Credit and the Overdraft Protection plan may save you money on the total fees you pay us for overdraft protection, when compared to the costs of the Courtesy Pay Program. • Line of Credit. This is a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance the exact amount of your overdraft from your Line of Credit (linked to your checking account) to cover your overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees). You authorize us to deduct the minimum monthly payment from the linked checking account. If you apply for the Line of Credit, you will be provided with our Line of Credit Agreement, which contains the terms and conditions applicable to the Line of Credit. • Overdraft Transfer Service. With this service, you authorize us to make transfers of available funds automatically from your designated “linked” account to cover overdrafts in your checking account. You can designate your choice of “linked” account(s) below. Transfers from your designated linked account are made in the exact amount of the overdraft. You must request to enroll in this service. Each transfer is subject to an Overdraft Transfer Fee, as set forth in your Schedule of Fees and Charges. If you decline to utilize any of the optional overdraft protection plans and you are not eligible for our Courtesy Pay Program, and there are insufficient funds in links your checking account to pay an itema savings account, as well as other overdraft sources and may be less expensive than Courtesy Pay. To learn more, please ask us about these plans. THE BEST WAY TO KNOW HOW MUCH MONEY YOU HAVE AND AVOID PAYING OVERDRAFT FEES IS TO RECORD AND TRACK ALL OF YOUR TRANSACTIONS CLOSELY. PLEASE REVIEW THE ABOVE INFORMATION CAREFULLY. IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT US AT 000.000.0000 OR VISIT ANY BRANCH. Truncated Checks; Statements. Your canceled checks (the checks drawn against your items account that we honor) will not be paidreturned to you, they will become Credit Union property and be returnedheld by us ("truncated") for you. They also may be truncated earlier in the check clearing process, such as by the bank into which the payee deposits them. This may be done either pursuant to a contractual electronic presentment process or under a federal law commonly referred to as “Check 21.” Your monthly statement will itemize your canceled checks by number, date of clearing and an NSF Fee the amount of the check. Any objection respecting any transaction shown on a periodic statement is waived unless made in writing to the Credit Union within sixty (60) days after the statement is mailed. A copy of any check will be charged available to you as required by law. There may be a small fee to obtain a copy of a check (see the Schedule of Service Charges for each item returneda list of service charges). Transfers When a copy of a check is requested, the Credit Union may provide it to you in the form of a “substitute check” as prescribed in the “Check 21” law. Upon issuance, the Credit Union will appear on provide you with a disclosure regarding your periodic statements rights regarding substitute checks and how you may make a claim for each applicable accounta refund for losses related to a substitutecheck. Stop Payments.

Optional Overdraft Protection Plans. We As discussed in more detail above, we also offer the optional overdraft protection plans that you may apply for, such as a personal Line of Credit loan account where your line of credit is used for overdraft protection, and an Overdraft Transfer Service where funds from a linked account are used for overdraft protection. If you apply and qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Program when your account is overdrawn. A Line of Credit and the Overdraft Protection plan may save you money on the total fees you pay us for overdraft protection, when compared to the costs of the Courtesy Pay Program. • Line of Credit. This is a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance the exact amount of your overdraft from your Line of Credit (linked to your checking account) to cover your overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees). You authorize us to deduct the minimum monthly payment from the linked checking account. If you apply for the Line of Credit, you will be provided with our Line of Credit Agreement, which contains the terms and conditions applicable to the Line of Credit. • Overdraft Transfer Service. With this service, you authorize us to make transfers of available funds automatically from your designated “linked” account to cover overdrafts in your checking account. You can designate your choice of “linked” account(s) below. Transfers from your designated linked account are made in the exact amount of the overdraft. You must request to enroll in this service. Each transfer is subject to an Overdraft Transfer Fee, as set forth in your Schedule of Fees and Charges. If you decline to utilize any of the optional overdraft protection plans and you are not eligible for our Courtesy Pay Program, and there are insufficient funds in links your checking account to pay an itema savings account, as well as other overdraft sources and may be less expensive than Courtesy Pay. To learn more, please ask us about these plans. THE BEST WAY TO KNOW HOW MUCH MONEY YOU HAVE AND AVOID PAYING OVERDRAFT FEES IS TO RECORD AND TRACK ALL OF YOUR TRANSACTIONS CLOSELY. PLEASE REVIEW THIS INFORMATION CAREFULLY. IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT US AT (000) 000-0000 OR VISIT YOUR LOCAL BRANCH. Truncated Checks; Statements. Your canceled checks (the checks drawn against your items account that we honor) will not be paidreturned to you, they will become Credit Union property and be returnedheld by us ("truncated") for you. They also may be truncated earlier in the check clearing process, such as by the bank into which the payee deposits them. This may be done either pursuant to a contractual electronic presentment process or under a federal law commonly referred to as “Check 21.” Your monthly statement will itemize your canceled checks by number, date of clearing and the amount of the check. Any objection respecting any item shown on a periodic statement is waived unless made in writing to the Credit Union within sixty (60) days after the statement is mailed. A copy of any check will be available to you as required by law. There may be a small fee to obtain a copy of a check (see the Fee Schedule for a list of fees). When a copy of a check is requested, the Credit Union may provide it to you in the form of a “substitute check” as prescribed in the “Check 21” law. Upon issuance, the Credit Union will provide you with a disclosure regarding your rights regarding substitute checks and how you may make a claim for a refund for losses related to a substitute check. Order of Payments. Checks and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft, or items, and an NSF Fee will execute other transactions on your account in any order we choose. The order in which we process checks and other transactions on your account may affect the total amount of overdraft fees that may be charged for each item returnedto your account if there are insufficient available funds in your account to pay all of the transactions. Transfers will appear on your periodic statements for each applicable accountStop Payments.

Optional Overdraft Protection Plans. We offer optional overdraft protection plans that you may apply for, for such as a personal Credit Card Line of Credit loan account Credit, where your line of credit is used for overdraft protection, and an Overdraft Transfer Service Protection, where funds from a linked savings account are used for overdraft protection. If you apply and qualify are qualified for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Program Safety Net Service when your account is overdrawn. A Credit Card Line of Credit and the Overdraft Protection plan may save you money on the total fees you pay us for overdraft protection, when compared . Transfers made pursuant to the costs of the Courtesy Pay ProgramOverdraft Protection plan will be governed by this Agreement. • Line of Credit. This is Transfers from a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance the exact amount of your overdraft from your Credit Card Line of Credit (linked to your checking account) to cover your overdraft, up to your credit limitaccount will be governed by the applicable UMe Visa Card Disclosure & Agreement. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees)WE DO NOT CHARGE ANY FEES FOR OVERDRAFTS PAID BY THE OVERDRAFT PROTECTION PLAN OR BY AN ADVANCE ON YOUR CREDIT CARD LINE OF CREDIT. You authorize us to deduct the minimum monthly payment If an overdraft is paid by a transfer from the linked checking account. If you apply for the Overdraft Protection plan or Credit Card Line of Credit, you we will be provided with our automatically transfer available funds from your linked savings account or Credit Card Line of Credit Agreement, which contains the terms and conditions applicable to the Line of Credit. • Overdraft Transfer Service. With this service, you authorize us to make transfers of available funds automatically from your designated “linked” account to cover overdrafts in your checking account. You can designate your choice of “linked” account(s) below. Transfers from your designated linked account are made in the exact an amount of that is enough to pay the overdraft. You must request If an advance is not approved under the Credit Card Line of Credit account, the Credit Union is hereby authorized to enroll transfer the necessary funds pursuant to the Overdraft Protection plan. If funds in this service. Each transfer is subject a linked savings account under the Overdraft Protection plan are insufficient to pay an Overdraft Transfer overdraft, we may pay the item pursuant to the Safety Net Service, and charge a Safety Net Fee, as set forth in or, we may return the item and charge your Schedule of Fees and Chargesaccount an NSF Fee. If you decline to utilize any of the optional overdraft protection Optional Overdraft Protection plans and you are not eligible for our Courtesy Pay ProgramSafety Net Service, and there are insufficient funds in your checking account to pay an item, your items will not be paid, they will be returned, and an NSF Fee fee will be charged for each item returned. Transfers will appear on your the periodic statements for each applicable account. LIMITS ON OVERDRAFT PROTECTION. We will not transfer more than the available account balance in a linked savings account or the available credit (as of the end of the previous business day) on a Credit Card Line of Credit account, even if the amount of the overdraft is more than the available amount. If the available balance in a linked savings account or the available credit on a Credit Card Line of Credit account is not enough to pay all the checks and other transactions you have initiated on any day, we will transfer enough funds to pay one or more transactions, plus the Safety Net Fee. Any transactions that are not paid by the transfer will either be paid or returned, and NSF Fees will be charged as if you did not have overdraft protection. Transfers from a linked savings account are limited by federal law (Regulation D). There must not be more than six (6) overdraft protection transfers and other limited transfers per monthly statement period.

Optional Overdraft Protection Plans. We offer optional overdraft protection plans that you may apply for, such as a personal Line of Credit loan account where your line of credit is used for overdraft protection, and an Overdraft Transfer Service where funds from a linked savings account are used for overdraft protection. If you apply and qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Program Service when your account is overdrawn. A Line of Credit and the Overdraft Protection Request plan may save you money on the total fees you pay us for overdraft protection, when compared to the costs of the Courtesy Pay Program. • Line of Credit. This is a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance the exact amount of your overdraft from your Line of Credit (linked to your checking account) to cover your overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees). You authorize us to deduct the minimum monthly payment from the linked checking account. If you apply are approved for the a Line of Credit, you will be provided with our Credit Line of Credit AgreementAccount Agreement and Disclosure, which contains the terms and conditions applicable to the Line of Credit. • Overdraft Transfer ServiceProtection Request. With this service, you authorize us to make transfers of available funds automatically from your designated “linked” regular savings account to cover overdrafts in your checking account. You can designate your choice of “linked” account(s) below. Transfers from your designated linked savings account are made in the exact amount of the overdraft. Each transfer counts as one of the six (6) limited transactions you are allowed each month from your regular savings or money market account. You must request to enroll in this service. Each transfer is Overdrafts paid by the Overdraft Protection Request are subject to an a per-item Overdraft Transfer Fee, Fee of $6 as set forth in your Schedule of the Fees and Chargesbrochure. If you decline to utilize any of the optional overdraft protection plans and you are not eligible for our Courtesy Pay ProgramService, and there are insufficient funds in your checking account to pay an item, your items will not be paid, they will be returned, and an NSF Fee will be charged for each item returned. Transfers will appear on your periodic statements for each applicable account.

Optional Overdraft Protection Plans. We As discussed in more detail above, we also offer the optional overdraft protection plans that you may apply for, such as a personal Line of Credit loan account where your line of credit is used for overdraft protection, and an Overdraft Transfer Service where funds from a linked account are used for overdraft protection. If you apply and qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Program when your account is overdrawn. A Line of Credit and the Overdraft Protection plan may save you money on the total fees you pay us for overdraft protection, when compared to the costs of the Courtesy Pay Program. • Line of Credit. This is a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance the exact amount of your overdraft from your Line of Credit (linked to your checking account) to cover your overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees). You authorize us to deduct the minimum monthly payment from the linked checking account. If you apply for the Line of Credit, you will be provided with our Line of Credit Agreement, which contains the terms and conditions applicable to the Line of Credit. • Overdraft Transfer Service. With this service, you authorize us to make transfers of available funds automatically from your designated “linked” account to cover overdrafts in your checking account. You can designate your choice of “linked” account(s) below. Transfers from your designated linked account are made in the exact amount of the overdraft. You must request to enroll in this service. Each transfer is subject to an Overdraft Transfer Fee, as set forth in your Schedule of Fees and Charges. If you decline to utilize any of the optional overdraft protection plans and you are not eligible for our Courtesy Pay Program, and there are insufficient funds in links your checking account to pay an itema savings account, as well as other overdraft sources and may be less expensive than Overdraft Tolerance. To learn more, please ask us about these plans. THE BEST WAY TO KNOW HOW MUCH MONEY YOU HAVE AND AVOID PAYING OVERDRAFT FEES IS TO RECORD AND TRACK ALL OF YOUR TRANSACTIONS CLOSELY. PLEASE REVIEW THE ABOVE INFORMATION CAREFULLY. IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT US TOLL FREE AT 1-800-OMNI-WOW OR LOCAL 0-000-000-0000 OR VISIT ANY BRANCH. Truncated Checks; Statements. Your canceled checks (the checks drawn against your items account that we honor) will not be paidreturned to you, they will become Credit Union property and be returnedheld by us ("truncated") for you. They also may be truncated earlier in the check clearing process, such as by the bank into which the payee deposits them. This may be done either pursuant to a contractual electronic presentment process or under a federal law commonly referred to as “Check 21.” Your monthly statement will itemize your canceled checks by number, date of clearing and an NSF Fee the amount of the check. Any objection respecting any item shown on a periodic statement is waived unless made in writing to the Credit Union within sixty (60) days after the statement is mailed. A copy of any check will be charged available to you as required by law. There may be a small fee to obtain a copy of a check (see the Fee Schedule for each item returneda list of fees). Transfers When a copy of a check is requested, the Credit Union may provide it to you in the form of a “substitute check” as prescribed in the “Check 21” law. Upon issuance, the Credit Union will appear on provide you with a disclosure regarding your periodic statements rights regarding substitute checks and how you may make a claim for each applicable accounta refund for losses related to a substitute check. Stop Payments.

Optional Overdraft Protection Plans. (a) We offer two optional overdraft protection plans that you may apply forplans: (1) an Overdraft Transfer Service where funds from a linked account are used for overdraft protection, such as a personal and (2) an Overdraft Line of Credit loan account where your line of credit is used for overdraft protection, and an Overdraft Transfer Service where funds from a linked account are used for overdraft protection. If you apply and qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Program Service when your account is overdrawn. A The Overdraft Transfer Service plan and an Overdraft Line of Credit and the Overdraft Protection plan may save you money on the total fees you pay us for overdraft protection, when compared to the costs of the Courtesy Pay Program. • Line of Credit. This is a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance the exact amount of your overdraft from your Line of Credit (linked to your checking account) to cover your overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees). You authorize us to deduct the minimum monthly payment from the linked checking account. If you apply for the Line of Credit, you will be provided with our Line of Credit Agreement, which contains the terms and conditions applicable to the Line of Credit. • Overdraft Transfer Service. With this service, you authorize us to make transfers of available funds automatically from your designated “linked” account linked account(s) to cover overdrafts in your checking account. You may link up to three (3) of your accounts to cover overdrafts, and one of those accounts can designate be an Overdraft Line of Credit. If you link more than one account, you will tell us the order in which transfers will be made. For example, if you request that we link your choice primary savings account, secondary savings account, and Overdraft Line of “linked” account(s) below. Transfers Credit to your checking account to cover overdrafts, you must also inform us as to which account you want us to transfer funds from your designated linked account are made in first (e.g., transfer first from the exact amount primary savings, transfer second from the Overdraft Line of Credit, and last from the overdraftsecondary savings account). You must request to enroll in this service. Each transfer is subject to an the Overdraft Transfer FeeService. Transfers from your linked account are made in increments of $100 or the available balance, whichever is less. Pursuant to federal law, each transfer from a linked savings account is counted as set forth one of the six (6) limited transactions you are allowed each month from your regular savings or money market account. We will not transfer more than the available account balance in your Schedule a linked account, even if the amount of Fees and Chargesthe overdraft is more than the available amount. If you decline have linked more than one account, if the available balance in the first linked account is not enough to utilize pay the transactions you have initiated on any day, we will transfer the available funds from the first linked account, then move to the next linked account and so on. The following example illustrates how this works: Assume you have linked a Primary Savings Account with an available balance of the optional overdraft protection plans $50 and a Money Market Account with an available balance of $200, and you are not eligible for our Courtesy Pay Programhave requested that we transfer available funds first from the Primary Savings Account, and there are insufficient funds in second from the Money Market Account. If the transaction amount that will cause your checking account to pay an itembecome overdrawn is $150, we will transfer $50 from your items will not be paid, they will be returned, Savings Account first and an NSF Fee will be charged for each item returned. Transfers will appear on then $100 from your periodic statements for each applicable accountMoney Market Account to cover the transaction.

Optional Overdraft Protection Plans. We As discussed in more detail above, we also offer the optional overdraft protection plans that you may apply for, such as a personal Line of Credit loan account where your line of credit is used for overdraft protection, and an Overdraft Transfer Service where funds from a linked account are used for overdraft protection. If you apply and qualify for these optional services, we will look first to these services for overdraft protection before applying our discretionary Courtesy Pay Program when your account is overdrawn. A Line of Credit and the Overdraft Protection plan may save you money on the total fees you pay us for overdraft protection, when compared to the costs of the Courtesy Pay Program. • Line of Credit. This is a revolving line of credit, which is available to members meeting certain credit requirements. With this plan, you authorize us to automatically advance the exact amount of your overdraft from your Line of Credit (linked to your checking account) to cover your overdraft, up to your credit limit. You must repay what you have borrowed in full or in minimum monthly payments (in addition to any late charges, finance charges and annual fees). You authorize us to deduct the minimum monthly payment from the linked checking account. If you apply for the Line of Credit, you will be provided with our Line of Credit Agreement, which contains the terms and conditions applicable to the Line of Credit. • Overdraft Transfer Service. With this service, you authorize us to make transfers of available funds automatically from your designated “linked” account to cover overdrafts in your checking account. You can designate your choice of “linked” account(s) below. Transfers from your designated linked account are made in the exact amount of the overdraft. You must request to enroll in this service. Each transfer is subject to an Overdraft Transfer Fee, as set forth in your Schedule of Fees and Charges. If you decline to utilize any of the optional overdraft protection plans and you are not eligible for our Courtesy Pay Program, and there are insufficient funds in links your checking account to pay an itema savings account, as well as other overdraft sources and may be less expensive than Courtesy Pay. To learn more, please ask us about these plans. THE BEST WAY TO KNOW HOW MUCH MONEY YOU HAVE AND AVOID PAYING OVERDRAFT FEES IS TO RECORD AND TRACK ALL OF YOUR TRANSACTIONS CLOSELY. PLEASE REVIEW THIS INFORMATION CAREFULLY. IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT US AT (000) 000-0000 OR VISIT YOUR LOCAL BRANCH. Truncated Checks; Statements. Your canceled checks (the checks drawn against your items account that we honor) will not be paidreturned to you, they will become Credit Union property and be returnedheld by us ("truncated") for you. They also may be truncated earlier in the check clearing process, such as by the bank into which the payee deposits them. This may be done either pursuant to a contractual electronic presentment process or under a federal law commonly referred to as “Check 21.” Your monthly statement will itemize your canceled checks by number, date of clearing and the amount of the check. Any objection respecting any item shown on a periodic statement is waived unless made in writing to the Credit Union within sixty (60) days after the statement is mailed. A copy of any check will be available to you as required by law. There may be a small fee to obtain a copy of a check (see the Fee Schedule for a list of fees). When a copy of a check is requested, the Credit Union may provide it to you in the form of a “substitute check” as prescribed in the “Check 21” law. Upon issuance, the Credit Union will provide you with a disclosure regarding your rights regarding substitute checks and how you may make a claim for a refund for losses related to a substitute check. Order of Payments. Checks and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft, or items, and an NSF Fee will execute other transactions on your account in any order we choose. The order in which we process checks and other transactions on your account may affect the total amount of overdraft fees that may be charged for each item returned. Transfers will appear on to your periodic statements for each applicable accountaccount if there are insufficient available funds in your account to pay all of the transactions.