Common use of Other Agreement Clause in Contracts

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal Buckeye State Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate todesignate, not to exceed $500.00, or $100.00 cash back from a deposit made at an ATM, per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your designated share, share draft, and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided other Accounts that You have enough available funds in Your Accountwith Us; (b) transfer funds between Your designated share, share draft, and share draft Accounts; (c) learn the balances in Your designated share and share draft other Accounts that You have with Us; and (dc) make payments to preauthorized creditors. You may also use balance inquiries on Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundswith Us. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD MASTERMONEY CHECK CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunctionconjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your share, share draft, and other Accounts that You have with Us; (b) transfer funds between Your share, share draft, and other Accounts that You have with Us; and (c) make balance inquiries on Your share and share draft Account(s) with Us.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal DayMet Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share savings and share draft checking Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate toto make the following transactions: (a) withdraw cash from Your designated share savings and share draft checking Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share savings and share draft Accountschecking Account(s); (c) learn the balances in make miscellaneous inquiries on Your designated share savings and share draft Accounts that You have with Uschecking balances; and (d) make payments to preauthorized creditorstake advances on Your Quick Cash Line of Credit. You may also use Your Card and PIN in conjunction with Your PIN, to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share savings and share draft checking Account(s). At the present time, You may also use Your Card in conjunctionconjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); (b) transfer funds between Your savings and checking Account(s); (c) make miscellaneous inquiries on Your savings and checking balances; and (d) take advances on Your Quick Cash Line of Credit. You may also use Your Card in conjunction with Your PIN, to purchase goods and services ("POS") at any business establishment where the Card is accepted.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Horizon Utah Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate up to a maximum (share, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share line of credit and share draft combined)) of $300.00 per day, provided You have enough available funds in Your Account. At the present time, You may use Your Card and Your PIN for: (a) Withdrawals from Your share and share draft Accounts; (b) transfer Transfers of funds between Your designated share and share draft Accounts; (c) learn the balances in Deposit of funds to Your designated share and share draft Accounts that You have with UsAccounts; (d) Advances from Your line of credit; and (de) make payments to preauthorized creditorsBalance inquiries about Your share and share draft Accounts. You may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons reasons, there are limits on the number of POS transactions that may will be processed each day. ABEFCU VISA DEBIT MASTERCARD CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate up to a maximum (share, line of credit and share draft combined) of CU*TALK TRANSACTIONS. You may use Our CU*Talk Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to deposit cash and checks to make the following types of transactions on designated accounts: (a) Transfer funds between Your designated share and share draft Account(s)Accounts; (b) Make payments on designated loans with Us; (c) Advances from Your line of credit; and (d) Obtain information related to Your Accounts. At The system operates 24 hours every day. If You attempt to use the present time, You may also use Your Card in conjunctionsystem and are told that "the system is not available," please call back later when service is restored.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal DayMet Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share savings and share draft checking Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate toto make the following transactions: (a) withdraw cash from Your designated share savings and share draft checking Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share savings and share draft Accountschecking Account(s); (c) learn the balances in make miscellaneous inquiries on Your designated share savings and share draft Accounts that You have with Uschecking balances; and (d) make payments to preauthorized creditorstake advances on Your Quick Cash Line of Credit. You may also use Your Card and PIN in conjunction with Your PIN, to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share savings and share draft checking Account(s). At the present time, You may also use Your Card in conjunctionconjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); (b) transfer funds between Your savings and checking Account(s); (c) make miscellaneous inquiries on Your savings and checking balances; and (d) take advances on Your Quick Cash Line of Credit. You may also use Your Card in conjunction with Your PIN, to purchase goods and services ("POS") at any business establishment where the Card is accepted.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Schools Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate. At the present time, You may use Your Card and PIN to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your designated share and share draft Account(s), ) not to exceed $1,000.00 per day 505.00 [Direct Checking Accounts are limited to $220.00, while Minor Checking Accounts are limited to $200.00] during each 24 consecutive hour period (share and share, share draft and line of credit combined), ) provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD TOUCH TONE TELLER TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Touch Tone Teller in conjunction with Your Card in conjunctionAccess Code and a touch tone telephone for the following services: (a) transfer funds between Your share and share draft Accounts; (b) make payments from Your share and share draft Accounts to Your loan accounts with Us; (c) make a check withdrawal from Your share and share draft Accounts; (d) make advances on Your line of credit with Us; and (e) obtain balance, deposit, withdrawal and transaction information on Your credit accounts and deposit Accounts with Us. Touch Tone Teller operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please try again later when service is restored.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees 1st Financial Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU 1ST FINANCIAL ATM CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash designate and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted, not up to exceed $1,000.00 per day a maximum (share share, line of credit and share draft combined)) of $500.00 per day, provided You have enough available funds in Your Account. If At the present time, You do may use Your Card for such transactionsand Your PIN for: (a) Withdrawals at designated locations from Your share and share draft Accounts; (b) Transfers of funds between Your share, You authorize Us to withdraw funds up to the available balance share draft and line of Your Account(scredit Accounts; (c) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD VISA CHECK CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate and to purchase goods and services (“POS”) at any business establishment where the Card is accepted, provided You have enough available funds in Your Account, up to deposit cash and checks to Your designated share a daily maximum (share, line of credit and share draft Account(s)combined) that We will disclose to You in a separate writing before the first electronic fund transfer is made. At the present time, You may also use Your Card in conjunctionand Your PIN for: (a) Withdrawals at designated locations from Your share and share draft Accounts; (b) Transfers of funds between Your share, share draft and line of credit Accounts; (c) Deposit of funds to Your share and share draft Accounts; and (d) Balance inquiries about Your share and share draft Accounts.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Coloramo Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM VISA CHECK CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate toto make the following transactions: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft AccountsAccount(s); and (c) learn the balances in make balance inquiries on Your designated share and share draft Accounts that You have Account(s) with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD COLORAMO AUDIO TELLER TRANSACTIONS. You may use Coloramo Audio Teller in conjunction with Your Card Access Code and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to a touch tone telephone for the following services: (a) transfer funds between Your designated share and share draft Account(s). At the present time; (b) make check withdrawals from Your share, You may also use share draft, and other designated deposit Accounts; (c) make loan payments from Your Card in conjunctionshare, share draft, and other designated deposit Accounts on Your Credit Union loans; and

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and federal holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Industrial Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU IFCU ATM CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 259.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; and (c) learn the balances in Your designated share and share draft Accounts that You have with Us. For security reasons there are limits on the number of transactions that may be processed each day. IFCU VISA CHECK CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draftAccount(s). At the present time, You may also use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $509.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunctionand

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Beacon Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, . You may also use Your Card to deposit cash purchase goods and checks to Your designated share and share draft Account(s)services (“POS”) at any business establishment where the Card is accepted. At the present time, You may also use Your Card in conjunction with and Your PIN in ATMs and/or such other machines or facilities as We may designate tofor: (a) withdraw cash Withdrawals at designated locations from Your designated share and share draft Account(s), not Accounts up to exceed $1,000.00 per day a maximum (share and share draft combined)) of $500.00 per day for ATM transactions, provided You have enough available funds in Your Account; (b) transfer Transfers of funds between Your designated share and share draft Accounts; and (c) learn the balances in Balance inquiries about Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditorsAccounts. You may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD VISA CHECK CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, . You may also use Your Card to deposit cash purchase goods and checks to Your designated share and share draft Account(s)services (“POS”) at any business establishment where the Card is accepted. At the present time, You may also use Your Card and Your PIN for: (a) Withdrawals at designated locations from Your share and share draft Accounts up to a maximum (share and share draft combined) of $500.00 per day for ATM transactions, provided You have enough available funds in conjunctionYour Account; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. PERSONAL ACCOUNT LINE TRANSACTIONS. You may use Our Personal Account Line Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of transactions on designated accounts: (a) Transfer funds between Your share and share draft Accounts; (b) Make loan payments from Your share and share draft Accounts; (c) Obtain information related to Your share, share draft, and line of credit Accounts; and (d) Miscellaneous inquiries on Credit Union services that affect Your Account. The system operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please call back later when service is restored. PC BRANCH TRANSACTIONS. You may use Our PC Branch system in conjunction with Your PIN and/or Access Code via a personal computer to make the following types of transactions on designated accounts: (a) Transfer funds between Your share and share draft Accounts; (b) Make loan payments from Your share and share draft Accounts; (c) Obtain information related to Your share, share draft, and line of credit Accounts; (d) Miscellaneous inquiries on Credit Union services that affect Your Account;

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal Credit Union AFCU locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate toto make the following transactions: (a) withdraw cash Withdrawals from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (cb) learn the balances in Transfers of funds between Your designated share and share draft Accounts that You have with UsAccounts; and (dc) make payments to preauthorized creditorsBalance inquiries about Your share and share draft Accounts. You ATM withdrawals may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share, share draft and line of credit combined), provided You have enough subject to the available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons reasons, there are limits on the number of transactions that may be processed each daytransfers You can make from Your Share Account using Your Card. ABEFCU VISA DEBIT MASTERCARD CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunctionconjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactions: (a) Withdrawals from Your share and share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. ATM withdrawals may not exceed $1,000.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account. For security reasons, there are limits on the number of transfers You can make from Your Share Account using Your Card. TOUCH TONE TELLER TRANSACTIONS. You may use Our Touch Tone Teller Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of transactions on designated accounts: (a) Transfer funds between share, share draft, and money market Accounts; (b) Make withdrawals from Your share, share draft, and money market Accounts; (c) Make payments on Your loans with Us; (d) Obtain information related to Your Accounts; and (e) Make balance, loan and miscellaneous inquiries on Credit Union services that affect Your Account. The system operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please call back later when service is restored. ONLINE ACCOUNT ACCESS TRANSACTIONS. You may use Our Online Account Access System in conjunction with Your PIN and/or Access Code via a personal computer to make the following types of transactions on designated accounts: (a) Transfer funds between share, share draft, and money market Accounts; (b) Make withdrawals from Your share, share draft, and money market Accounts; (c) Make payments on Your loans with Us; (d) Obtain information related to Your Accounts; and (e) Make balance, loan and miscellaneous inquiries on Credit Union services that affect Your Account. INTERNET BILL PAYMENT TRANSACTIONS. You may use Our Internet Bill Payment System in conjunction with Your PIN and/or Access Code via a personal computer for the following services: (a) authorize the Credit Union to issue payments on Your behalf, except to the extent that such payments are for governmental agencies, state and local taxing authorities, court-ordered payment and/or addresses outside the United States of America; (b) check status of payments previously authorized through the Internet Bill Payment System; (c) order copies of cancelled checks issued through the Internet Bill Payment System; (d) order copies of ACH confirmations issued through the Internet Bill Payment System; and (e) place stop payment requests on payments previously authorized through the Internet Bill Payment System. In order to use the Internet Bill Payment System for such transactions, You must have a share draft Account with Us. By completing an online bill payment transaction using the Internet Bill Payment System, You authorize Us to post any such payments to Your share draft Account. Online Bill Payment service payments will be made by check or electronic transfer and may take as long as six business days from the date requested to be sent to the payee. The Credit Union cannot guarantee the time

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Police and Fire Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU PFFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate todesignate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft AccountsAccount(s); and (c) learn the balances in make balance inquiries on Your designated share and share draft Accounts that You have Account(s) with Us; , and (d) make payments to preauthorized creditorsany other Account You designate. You may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU PFFCU DEBIT MASTERCARD CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunctionconjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (c) make balance inquiries on Your share and share draft Account(s) with Us, and any other Account You designate.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal Monroe County Community Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with and Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from to make deposits to Your designated share savings and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft checking Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and Your PIN for: (a) Withdrawals from Your savings or checking Accounts up to purchase goods a maximum (savings, line of credit and services ("POS"checking combined) at any business establishment where the Card is accepted, not to exceed of $1,000.00 375.00 per day (share and share draft combined), provided You have enough available funds in - at Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU option as low as MASTERCARD DEBIT MASTERCARD CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may use Your Card and Your PIN to make deposits to Your savings and checking Accounts. You may also use Your Card and Your PIN for: (a) Withdrawals from Your savings or checking Accounts up to a maximum (savings, line of credit and checking combined) of $375.00 per day - at Your option as low as $50.00 per day, provided You have enough available funds in conjunctionYour Account; (b) Transfers of funds between Your savings and checking Accounts; and (c) Balance inquiries about Your savings and checking Accounts.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays Sundays, and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Xxxxxx First Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate to: (a) designate, to withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; , subject to the available funds in Your Account. In addition, You may transfer funds between Your share and (d) share draft Accounts that You have with Us, and make payments to preauthorized creditorsmiscellaneous inquiries on Your share and share draft Accounts with Us. You may also use Your Card and in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough the available funds in Your AccountAccount (share, share draft, and line of credit combined). If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD VISA CHECK CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share, share draft, and share draft money market Account(s). At the present time, You may also use Your Card in conjunctionconjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to withdraw cash from Your share, share draft, and money market Accounts that You have with Us, subject to the available funds in Your Account. In addition, You may transfer funds between Your share, share draft, and money market Accounts that You have with Us, and make miscellaneous inquiries on Your share and share draft Accounts with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed the available funds in Your Account (share, share draft, and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal Red Rocks Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to deposit cash exceed the available funds in Your Account (primary savings, checking and checks to Your designated share and share draft Account(sline of credit combined). At the present time, You may also use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your primary savings and checking Account(s); (b) withdraw cash from Your designated share primary savings and share draft checking Account(s), not ) up to exceed a maximum (primary savings and checking combined) of $1,000.00 300.00 per day (share and share draft combined), provided You have enough available funds in Your Accountday; (bc) transfer funds between Your designated share primary savings and share draft Accountschecking Account(s); (cd) learn the balances in obtain advances on Your designated share and share draft Accounts that You have line of credit account with Us; and (de) make payments to preauthorized creditors. You may also use balance inquiries on Your Card primary savings and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your checking Account(s) to cover any such transactions, provided You have available fundswith Us. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU VISA DEBIT MASTERCARD CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to deposit cash exceed the available funds in Your Account (primary savings, checking and checks to Your designated share and share draft Account(sline of credit combined). At the present time, You may also use Your Card in conjunctionconjunction with Your PIN to: (a) make deposits to Your primary savings and checking Account(s); (b) withdraw cash from Your primary savings and checking Account(s) up to a maximum (primary savings and checking combined) of $300.00 per day;

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal Credit Union ARKANSAS FEDERAL locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to deposit cash and checks to make the following transactions: (a) Withdrawals from Your designated share and share draft Account(sAccounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. ATM withdrawals may not exceed $1,000.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account. At For security reasons, there are limits on the present time, number of transfers You can make from Your Share Account using Your Card. MASTERCARD DEBIT CARD TRANSACTIONS. You may also use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to deposit cash and checks to make the following transactions: (a) Withdrawals from Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunctionAccounts; (b) Transfers of funds

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal Central Missouri Community Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate toto make the following transactions: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft AccountsAccount(s); and (c) learn the balances in make balance inquiries on Your designated share and share draft Accounts that You have Account(s) with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and in conjunction with Your PIN or signature, to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU VISA DEBIT MASTERCARD CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunctionconjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (c) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN, Your Signature, and in certain cases neither Your PIN or signature, to purchase goods and services ("POS") at any business establishment where the Card is accepted.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Beacon Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, . You may also use Your Card to deposit cash purchase goods and checks to Your designated share and share draft Account(s)services (“POS”) at any business establishment where the Card is accepted. At the present time, You may also use Your Card in conjunction with and Your PIN in ATMs and/or such other machines or facilities as We may designate tofor: (a) withdraw cash Withdrawals at designated locations from Your designated share and share draft Account(s), not Accounts up to exceed $1,000.00 per day a maximum (share and share draft combined)) of $500.00 per day for ATM transactions, provided You have enough available funds in Your Account; (b) transfer Transfers of funds between Your designated share and share draft Accounts; and (c) learn the balances in Balance inquiries about Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditorsAccounts. You may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD VISA CHECK CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, . You may also use Your Card to deposit cash purchase goods and checks to Your designated share and share draft Account(s)services (“POS”) at any business establishment where the Card is accepted. At the present time, You may also use Your Card and Your PIN for: (a) Withdrawals at designated locations from Your share and share draft Accounts up to a maximum (share and share draft combined) of $500.00 per day for ATM transactions, provided You have enough available funds in conjunctionYour Account; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. PERSONAL ACCOUNT LINE TRANSACTIONS. You may use Our Personal Account Line Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of transactions on designated accounts: (a) Transfer funds between Your share and share draft Accounts; (b) Make loan payments from Your share and share draft Accounts; (c) Obtain information related to Your share, share draft, and line of credit Accounts; and (d) Miscellaneous inquiries on Credit Union services that affect Your Account. The system operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please call back later when service is restored. PC BRANCH TRANSACTIONS. You may use Our PC Branch system in conjunction with Your PIN and/or Access Code via a personal computer to make the following types of transactions on designated accounts: (a) Transfer funds between Your share and share draft Accounts; (b) Make loan payments from Your share and share draft Accounts; (c) Obtain information related to Your share, share draft, and line of credit Accounts; (d) Miscellaneous inquiries on Credit Union services that affect Your Account;

Other Agreement. If electronic fund funds transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal One Detroit Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash designate and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not up to exceed $1,000.00 per day a maximum (share share, line of credit and share draft combined) of $800.00 per day (at Your option as low as $50.00 per day), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card and Your PIN for: (a) Withdrawals at designated locations from Your share and share draft Accounts; (b) Transfers of funds between Your share, share draft and line of credit Accounts; (c) Deposit of funds to Your share and share draft Accounts; and (d) Balance inquiries about Your share and share draft Accounts. TELEVOICE TRANSACTIONS. You may use Our Televoice Audio Response system in conjunctionconjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of transactions on designated accounts: (a) Transfer funds between share, share draft, and line of credit Accounts; (b) Make check withdrawals from Your share Accounts; (c) Make payments on Your loans with Us; (d) Obtain information related to Your Accounts; and (e) Make balance, loan and miscellaneous inquiries on Credit Union services that affect Your Account. ONE2GO TRANSACTIONS. You may use Our One2Go System in conjunction with Your PIN and/or Access Code via a personal computer or internet enabled smartphone and/or mobile computing device (e.g. tablet) to make the following types of transactions on designated accounts: (a) Transfer funds between Your designated Accounts; (b) Make payments on Your loans with Us; (c) Obtain information related to Your share and share draft Accounts; and (d) Make balance, loan and miscellaneous inquiries on Credit Union services that affect Your Account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal Credit Union locations may not be posted to Your Account account until they are received and verified by Us. All items deposited items at ATMs located within 50 feet of a staffed facility are removed from machines each business day. All items deposited at ATMs not located within 50 feet of a staffed facility are removed from machines at least once but not more than twice each week, and are considered deposited on the day on which the deposit is removed from such machine and is available for processing by the Credit Union. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to deposit cash and checks to Your designated share and share draft Account(saccount(s). At the present time, You may also use Your Card in conjunction with Your and PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate to make withdrawals, not to exceed $500.00 per day (share, share draft and line of credit combined), subject to the available funds in Your account. At the present time, You may use Your Card in conjunction with Your PIN to: (a) withdraw cash from Your designated share and share draft Account(saccount(s); (b) transfer funds VISA DEBIT CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate to deposit cash and checks to Your share and share draft account(s). You may also use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make withdrawals, not to exceed $1,000.00 500.00 per day (share, share draft and line of credit combined), subject to the available funds in Your account. At the present time, You may use Your Card in conjunction with Your PIN to: (a) withdraw cash from Your share and share draft combinedaccount(s), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accountsaccount(s); and (c) learn the balances in make balance inquiries on Your designated share and share draft Accounts that You have account(s) with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 3,000.00 per day (share and share, share draft and line of credit combined), provided You have enough subject to the available funds in Your Accountaccount. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card with Signature to purchase goods and services at any business establishment where the Card is accepted, not to exceed $5,000.00 per day (share, share draft and line of credit combined), subject to the available funds in conjunctionYour account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal Credit Union AFCU locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate toto make the following transactions: (a) withdraw cash Withdrawals from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (cb) learn the balances in Transfers of funds between Your designated share and share draft Accounts that You have with UsAccounts; and (dc) make payments to preauthorized creditorsBalance inquiries about Your share and share draft Accounts. You ATM withdrawals may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share, share draft and line of credit combined), provided You have enough subject to the available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons reasons, there are limits on the number of transactions that may be processed each daytransfers You can make from Your Share Account using Your Card. ABEFCU VISA DEBIT MASTERCARD CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunctionconjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactions: (a) Withdrawals from Your share and share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Ardent Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share savings and share draft checking Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate toto make the following transactions: (a) withdraw cash from Your designated share savings and share draft checking Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share savings and share draft Accountschecking Account(s); (c) learn the balances in make miscellaneous inquiries on Your designated share savings and share draft Accounts that You have with Uschecking balances; and (d) make payments to preauthorized creditorstake advances on Your Quick Cash Line of Credit. You may also use Your Card and PIN in conjunction with Your PIN, to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU VISA DEBIT MASTERCARD CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share savings and share draft checking Account(s). At the present time, You may also use Your Card in conjunctionconjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); (b) transfer funds between Your savings and checking Account(s); (c) make miscellaneous inquiries on Your savings and checking balances; and (d) take advances on Your Quick Cash Line of Credit. You may also use Your Card in conjunction with Your PIN, to purchase goods and services ("POS") at any business establishment where the Card is accepted.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal Monroe County Community Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with and Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from to make deposits to Your designated share savings and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft checking Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and Your PIN to purchase goods and services for: ("POS"a) at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU MASTERCARD DEBIT MASTERCARD CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may use Your Card and Your PIN to make deposits to Your savings and checking Accounts. You may also use Your Card and Your PIN for: (a) Withdrawals from Your savings or checking Accounts up to a maximum (savings, line of credit and checking combined) of $375.00 per day - at Your option as low as $50.00 per day, provided You have enough available funds in conjunctionYour Account; (b) Transfers of funds between Your savings and checking Accounts; and (c) Balance inquiries about Your savings and checking Accounts. CU*TALK TRANSACTIONS. You may use Our CU*Talk Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of transactions on designated accounts: (a) Transfer funds between Your savings, checking, and line of credit Accounts; (b) Verify Your savings and checking Account balances; (c) Transfer funds to another member's account at the Credit Union; (d) Verify Your savings and checking Account balances; and (d) Miscellaneous inquiries on Credit Union services that affect Your Account. The system operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please call back later when service is restored.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal Credit Union ARKANSAS FEDERAL locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to deposit cash and checks to make the following transactions: (a) Withdrawals from Your designated share and share draft Account(sAccounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. ATM withdrawals may not exceed $1,000.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account. At For security reasons, there are limits on the present time, number of transfers You can make from Your Share Account using Your Card. MASTERCARD DEBIT CARD TRANSACTIONS. You may also use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to deposit cash and checks to make the following transactions: (a) Withdrawals from Your designated share and share draft Account(sAccounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. ATM withdrawals may not exceed $1,000.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account. At For security reasons, there are limits on the present time, number of transfers You may also use can make from Your Card in conjunctionShare Account using Your Card.

Other Agreement. If electronic fund funds transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal One Detroit Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate toto make the following transactions: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated loan accounts, share, share draft and line of credit Account(s); and (c) make balance inquiries on Your share and share draft Accounts; (cAccount(s) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. ATM withdrawals may not exceed (share, not to exceed $1,000.00 per day (share and share draft and line of credit combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU MASTERCARD DEBIT MASTERCARD CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunctionconjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your loan accounts, share, share draft and line of credit Account(s); and (c) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. ATM withdrawals may not exceed (share, share draft and line of credit combined) $800.00 per calendar day, subject to the available funds in Your Account except to the extent that such amount will be reduced to $400.00 for cards linked to Fresh Start Checking accounts. POS transactions may not exceed (share, share draft and line of credit combined) $3,000.00 per calendar day, subject to the available funds in Your Account except to the extent that such amount will be reduced to $1,500.00 for cards linked to Fresh Start Checking accounts. In all cases, You may instruct Us to limit both ATM and POS withdrawals to as low as $50.00 per day. TELEVOICE TRANSACTIONS. You may use Our Televoice Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of transactions on designated accounts: (a) Transfer funds between share, share draft, and line of credit Accounts; (b) Make check withdrawals from Your share Accounts; (c) Make payments on Your loans with Us;

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Federal Credit Union ARKANSAS FEDERAL locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate toto make the following transactions: (a) withdraw cash Withdrawals from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (cb) learn the balances in Transfers of funds between Your designated share and share draft Accounts that You have with UsAccounts; and (dc) make payments to preauthorized creditorsBalance inquiries about Your share and share draft Accounts. You ATM withdrawals may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share, share draft and line of credit combined), provided You have enough subject to the available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons reasons, there are limits on the number of transactions that may be processed each daytransfers You can make from Your Share Account using Your Card. ABEFCU MASTERCARD DEBIT MASTERCARD CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunctionconjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactions: (a) Withdrawals from Your share and share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. ATM withdrawals may not exceed $1,000.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account. For security reasons, there are limits on the number of transfers You can make from Your Share Account using Your Card. TOUCH TONE TELLER TRANSACTIONS. You may use Our Touch Tone Teller Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of transactions on designated accounts: (a) Transfer funds between share, share draft, and money market Accounts; (b) Make withdrawals from Your share, share draft, and money market Accounts; (c) Make payments on Your loans with Us; (d) Obtain information related to Your Accounts; and (e) Make balance, loan and miscellaneous inquiries on Credit Union services that affect Your Account. The system operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please call back later when service is restored. ONLINE ACCOUNT ACCESS TRANSACTIONS. You may use Our Online Account Access System in conjunction with Your PIN and/or Access Code via a personal computer to make the following types of transactions on designated INTERNET BILL PAYMENT TRANSACTIONS. You may use Our Internet Bill Payment System in conjunction with Your PIN and/or Access Code via a personal computer for the following services: (a) authorize the Credit Union to issue payments on Your behalf, except to the extent that such payments are for governmental agencies, state and local taxing authorities, court-ordered payment and/or addresses outside the United States of America; (b) check status of payments previously authorized through the Internet Bill Payment System; (c) order copies of cancelled checks issued through the Internet Bill Payment System;

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees VALEX Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM VISA CHECK CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate toto make the following transactions: (a) withdraw cash from Your designated share and share draft Account(s), not ; (b) make deposits to exceed $1,000.00 per day (Your share and share draft combinedAccount(s), provided You have enough available funds in Your Account; (bc) transfer funds between Your designated loan accounts, share and share draft Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with UsAccount(s); and (d) make payments to preauthorized creditorsbalance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card and in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD AUDIO RESPONSE TRANSACTIONS. You may use Audio Response in conjunction with Your Card Access Code and PIN in any of Our network of ATMs and such other machines or facilities as We may designatea touch tone telephone for the following services: (a) transfer funds between Your share, to deposit cash and checks to Your designated share and share draft Account(s)Accounts; (b) make payments on Credit Union loans You have with Us; (c) make a check withdrawal from Your share, and share draft Accounts; and (d) make miscellaneous inquiries on Your Credit Union deposit and loan balances, deposits, withdrawals and transactional information. At Audio Response operates 24 hours every day. If You attempt to use the present time, system and are told that "the system is not available," please try again later when service is restored. VIRTUAL BANKING TRANSACTIONS. You may also use Virtual Banking in conjunction with Your Card in conjunctionAccess Code, an internet connection and a personal computer for the following services: (a) transfer funds between Your share, and share draft Accounts; (b) make payments on Credit Union loans You have with Us;

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays Sundays, and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at American Broadcast Employees Xxxxxx First Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and/or and such other machines or facilities as We may designate to: (a) designate, to withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; , subject to the available funds in Your Account. In addition, You may transfer funds between Your share and (d) share draft Accounts that You have with Us, and make payments to preauthorized creditorsmiscellaneous inquiries on Your share and share draft Accounts with Us. You may also use Your Card and in conjunction with Your PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted, not to exceed $1,000.00 per day (share and share draft combined), provided You have enough the available funds in Your AccountAccount (share, share draft, and line of credit combined). If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD VISA CHECK CARD TRANSACTIONS. You may use Your Card and in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share, share draft, and share draft money market Account(s). At the present time, You may also use Your Card in conjunctionconjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to withdraw cash from Your share, share draft, and money market Accounts that You have with Us, subject to the available funds in Your Account. In addition, You may transfer funds between Your share, share draft, and money market Accounts that You have with Us, and make miscellaneous inquiries on Your share and share draft Accounts with Us. You may also use Your Card in