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 UFirst 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 in accordance with applicable law. We are not responsible for delays in deposit posting due to improper identification. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst Alta Vista 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identification. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, not to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per business day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. You may also use , to make the following transactions: (a) transfer funds between Your Card in conjunction share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your AccountUs. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, not to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 760.00 per business day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) 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. POS transactions may , not to exceed $3,000.00 1,000.00 per business day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (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 UFirst Alta Vista 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identification. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, to make the following transactions: (a) withdraw cash from if You have established two or more share draft Accounts, You may transfer funds between Your savings and checking Account(s)share draft Accounts; and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. You may also use make balance inquiries on Your Card in conjunction share draft Account(s) with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your AccountUs. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, to make the following transactions: (a) withdraw cash from transfer funds between Your savings and checking share draft Account(s); and (b) transfer funds between make balance inquiries on Your savings and checking share draft Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account) 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. POS transactions may not exceed $2,500.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account. The aggregate total of ATM and POS transactions, may not at any time exceed $3,000.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification 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 in conjunction with Your 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 savings designated share and checking 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 and/or such other machines or facilities as We may designate to make the following transactionsto: (a) withdraw cash from Your savings designated share and checking 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; and (b) transfer funds between Your savings designated share and checking Account(s). ATM withdrawals may not exceed $500.00 per day share draft Accounts; (savings, checking and line of credit combined), subject to c) learn the available funds balances in Your Accountdesignated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 1,000.00 per day (savings, checking share and line of credit share draft combined), subject to the provided You have enough available funds in Your Account. VISA 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 CARD MASTERCARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings designated share and checking 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 and/or such other machines or facilities as We may designate to make the following transactionsto: (a) withdraw cash from Your savings designated share and checking 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; and (b) transfer funds between Your savings designated share and checking Account(s). ATM withdrawals may not exceed $500.00 per day share draft Accounts; (savings, checking and line of credit combined), subject to c) learn the available funds balances in Your Accountdesignated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 per day (savings, checking share and line of credit share draft combined), subject to the 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.

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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (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. ATM withdrawals may not exceed $500.00 1,000.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions withdrawals may not exceed $3,000.00 1,000.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD MASTERCARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (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. ATM withdrawals may not exceed $500.00 1,000.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions withdrawals may not exceed $3,000.00 1,500.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst Camino 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking SmartCheck Checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, not to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 600.00 per business day (savingsshare, checking 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 SmartCheck Checking Account(s); (b) transfer funds between Your share and SmartCheck Checking 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. POS transactions may , not to exceed $3,000.00 1,000.00 per business day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any The sum of Our network of ATMs ATM and such other machines or facilities as We may designate, to deposit cash and checks to Your savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals POS transactions may not at any time exceed $500.00 per day 1,600.00 (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions At the present time, You may not exceed 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 $3,000.00 500.00 per day (savingsfor ATM transactions, checking and line of credit combined), subject to the provided You have enough available funds in Your Account; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. VISA DEBIT CHECK CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions At the present time, You may not exceed 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 $3,000.00 500.00 per day (savingsfor ATM transactions, checking and line of credit combined), subject to the provided You have enough available funds in Your 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 UFirst Alta Vista 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identification. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, not to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per business day (savingsshare, checking 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. 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. POS transactions may , not to exceed $3,000.00 500.00 per business day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any The sum of Our network of ATMs ATM and such other machines or facilities as We may designate, to deposit cash and checks to Your savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals POS transactions may not at any time exceed $500.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactionsto: (a) withdraw cash from Your savings share and checking share draft Account(s)) not to exceed $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, share draft and line of credit combined) provided You have available funds in Your Account; and (b) transfer funds between Your savings share and checking share draft Account(s). ATM withdrawals may not exceed $500.00 per day ; and (savings, checking c) schedule recurring payments be assessed to Your share and line of credit combined), subject to the available funds in Your Accountshare draft Account with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 per day 2,505.00 [Direct Checking Accounts are limited to $500.00, while Minor Checking Accounts are limited to $110.00] during each 24 consecutive hour period (savingsshare, checking share draft and line of credit combined), subject to the ) provided You have available funds in Your share draft Account. VISA DEBIT CARD TOUCH TONE TELLER TRANSACTIONS. At the present time, You may use Your Card Touch Tone Teller in conjunction with Your PIN in any of Our network of ATMs Access Code and such other machines or facilities as We may designate, to deposit cash and checks to Your savings and checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make a touch tone telephone for the following transactionsservices: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings share and checking Account(s). ATM withdrawals may not exceed $500.00 per day share draft Accounts; (savings, checking 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 combined)with Us; and (e) obtain balance, subject 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 available funds in Your Account. You may also use Your Card in conjunction with Your PIN to purchase goods system and services (are told that "POS") at any business establishment where the Card system is accepted. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Accountavailable," 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 UFirst Foothill 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); (b) make deposits to Your share and share draft Account(s); (c) transfer funds between share and share draft Account(s); and (bd) transfer funds between make balance inquiries on Your savings share and checking share draft Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account) 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. POS transactions ATM withdrawals may not exceed $3,000.00 500.00 per calendar day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 1,000.00 per calendar day (savingsshare, checking share draft and line of credit combined), subject to the available funds in 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 UFirst Community Financial 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. Except for Fresh Start Checking Accounts, You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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 available cash from Your savings and checking Account(s); (b) transfer available funds between Your savings and checking Account(s); (c) take advances on Your line of credit with Us and have the amount deposited into Your savings and checking Account(s); (d) make payments on Your Credit Union loans from Your savings and checking Account(s); and (be) transfer funds between make balance inquiries on Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account) 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. POS transactions ATM withdrawals may not exceed $3,000.00 700.00 per calendar day. At Your option, limits can be set as low as $50.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA POS withdrawals may not exceed the available funds in Your Account. At Your option, limits can be set as low as $50.00 per day (savings, checking and line of credit combined). MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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 available cash from Your savings and checking Account(s); (b) transfer available funds between Your savings and checking Account(s); (c) take advances on Your line of credit with Us and have the amount deposited into Your savings and checking Account(s); (d) make payments on Your Credit Union loans from Your savings and checking Account(s); and (be) transfer funds between make balance inquiries on Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account) 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. POS transactions ATM withdrawals may not exceed $3,000.00 700.00 per calendar day. At Your option, limits can be set as low as $50.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. POS withdrawals may not exceed the available funds in Your Account. At Your option, limits can be set as low as $50.00 per day (savings, checking 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 UFirst OneAZ 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); (b) make deposits to Your share and share draft Account(s); (c) transfer funds between Your loan accounts, share and share draft Account(s); and (bd) transfer funds between make balance inquiries on Your savings share and checking share draft Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account) 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. POS transactions ATM withdrawals may not exceed $3,000.00 500.00 per calendar day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals POS transactions may not exceed $500.00 5,000.00 per calendar day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. You may also use Your Card Total transactions cannot, in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may not event, exceed $3,000.00 5,500.00 per calendar day (savings, checking ATM and line of credit POS combined), subject to the available funds in 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 UFirst Dakota Plains 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to to: (a) deposit cash and checks to Your savings Account(s) (except that deposits may not be made at ATMs we own or operate); (b) withdraw cash from Your primary share and checking share draft Account(s), not to exceed the available funds in Your Account (primary share and share draft combined); (c) transfer funds between Your primary share and share draft Account(s); (d) obtain advances on Your line of credit account with Us; and (e) make balance inquiries on Your primary share and share draft Account(s) with Us. You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may , not to exceed $3,000.00 per day the available funds in Your Account (savingsprimary share, checking share draft and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, not to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 500.00, or $100.00 cash back from a deposit made at an ATM, per business day (savingsshare, checking 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. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT MASTERMONEY CHECK CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, not to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per business day (savingsshare, checking 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. 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. POS transactions may , not to exceed $3,000.00 2,500.00 per business day (savingsshare, checking share draft and line of credit combined), subject to the available funds in 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate up to make the following transactions: a maximum (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savingsshare, checking and line of credit and share draft combined)) of $300.00 per day, subject to the 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) Transfers of funds between share and share draft Accounts; (c) Deposit of funds to Your share and share draft Accounts; (d) Advances from Your line of credit; and (e) Balance inquiries about Your share and share draft Accounts. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the provided You have enough available funds in Your Account. For security reasons, there are limits on the number of POS transactions that will be processed each day. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate up to make the following transactions: a maximum (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savingsshare, checking and line of credit and share draft combined)) of $300.00 per day, subject to the 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) Transfers of funds between share and share draft Accounts; (c) Deposit of funds to Your share and share draft Accounts; (d) Advances from Your line of credit; and (e) Balance inquiries about Your share and share draft Accounts. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the provided You have enough available funds in Your Account. For security reasons, there are limits on the number of POS transactions that will be processed each day. 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 share and share draft Accounts; (b) Make payments on designated loans with Us; (c) Advances from Your line of credit; and (d) Obtain information related to Your Accounts. 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 UFirst OneAZ 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); (b) make deposits to Your share and share draft Account(s); (c) transfer funds between Your loan accounts, share and share draft Account(s); and (bd) transfer funds between make balance inquiries on Your savings share and checking share draft Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account) 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. POS transactions ATM withdrawals may not exceed $3,000.00 600.00 per calendar day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals POS transactions may not exceed $500.00 5,000.00 per calendar day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. You may also use Your Card Total transactions cannot, in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may not event, exceed $3,000.00 5,500.00 per calendar day (savings, checking ATM and line of credit POS combined), subject to the available funds in 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 UFirst Pioneer Valley 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA ATM/DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, not to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 2,010.00 per day (savingsshare, checking 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. At the present time, 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. POS transactions may , not to exceed $3,000.00 5,000.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in 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 UFirst Resource One 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); and (b) transfer funds between Your savings share and checking share draft Account(s); and (c) make balance inquiries on Your share and share draft Account(s) with Us. ATM withdrawals Withdrawals and transfers may not exceed $1,200.00 per 24- hour period and $500.00 per day transaction (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 10,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account24-hour period.

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 UFirst Zia 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, not to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 510.00 per day (savingsshare, checking 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. At the present time, 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. POS transactions may , not to exceed $3,000.00 per day the available funds in Your Account (savingsshare, checking share draft and line of credit combined), subject to the available funds in 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 UFirst 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 in accordance with applicable law. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate 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 deposit cash and checks to the available funds in Your savings and checking Account(s)Account. For security reasons, there are limits on the 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 any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactions: (a) withdraw cash Withdrawals from Your savings share and checking Account(s)share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (bc) transfer funds between Balance inquiries about Your savings share and checking Account(s)share draft Accounts. ATM withdrawals may not exceed $500.00 1,000.00 per day (savingsshare, checking 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. You may also use Your Card in conjunction with Your PIN or signature to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions in conjunction with Your PIN may not exceed $3,000.00 2,500.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card , whereas POS transactions 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals signature may not exceed $500.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst Camino 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking Elite Checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, not to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 600.00 per business day (savingsshare, checking 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 Elite Checking Account(s); (b) transfer funds between Your share and Elite Checking 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. POS transactions may , not to exceed $3,000.00 1,000.00 per business day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any The sum of Our network of ATMs ATM and such other machines or facilities as We may designate, to deposit cash and checks to Your savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals POS transactions may not at any time exceed $500.00 per day 1,600.00 (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in 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 Sundays, and federal holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at UFirst SMW 104 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 in accordance with applicable law. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to to: (a) deposit cash and checks to Your savings and checking Account(s); (b) withdraw cash from Your primary share and share draft Account(s), not to exceed the available funds in Your Account (primary share and share draft combined); (c) transfer funds between Your primary share and share draft Account(s); (d) obtain advances on Your line of credit account with Us; and (e) make balance inquiries on Your primary share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN or Signature to purchase goods and services in point-of-sale ("POS") transactions at any business establishment where the Card is accepted. For security reasons there are limits on the number of Our network of ATMs transactions and such other machines or facilities as We cash withdrawals that may designate to make the following transactions: (a) withdraw cash from Your savings be processed each day. Except for Fresh Start Checking and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). Teen Checking Accounts, ATM withdrawals may not exceed an aggregate total of $500.00 805.00 per day calendar day, subject to the available funds in Your Account (savings, checking and line of credit combined). For Fresh Start Checking, ATM withdrawals may not exceed an aggregate total of $205.00 per calendar day, subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day Account (savings, checking and line of credit combined). For Teen Checking, ATM withdrawals may not exceed an aggregate total of $200.00 per calendar day, subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day Account (savings, checking and line of credit combined). Except for Fresh Start Checking and Teen Checking Accounts, POS transactions may only be conducted through Your share draft Account, and may not exceed an aggregate total of $2,500.00 per calendar day, subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day Account (savings, checking and line of credit combined). For Fresh Start Checking, POS transactions may only be conducted through Your share draft Account, and may not exceed an aggregate total of $500.00 per calendar day, subject to the available funds in Your Account (savings, checking and line of credit combined). For Teen Checking, POS transactions may only be conducted through Your share draft Account, and may not exceed an aggregate total of $200.00 per calendar day, subject to the available funds in Your Account (savings, checking 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 UFirst WyHy Federal Credit Union locations may ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions At the present time, You may not exceed $3,000.00 per day use Your Card and Your PIN for: (savingsa) Withdrawals at designated locations from Your share, checking share draft and line of credit Accounts up to a maximum (share, line of credit and share draft combined)) of $300.00 per day, subject to the provided You have enough available funds in Your Account; and (b) Deposits to Your share and share draft Accounts. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions At the present time, You may not exceed $3,000.00 per day use Your Card and Your PIN for: (savingsa) Withdrawals at designated locations from Your share, checking share draft and line of credit Accounts up to a maximum (share, line of credit and share draft combined)) of $300.00 per day, subject to the provided You have enough available funds in Your Account; and (b) Deposits to 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES 1ST FINANCIAL ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day , up to a maximum (savingsshare, checking and line of credit and share draft combined)) of $500.00 per day, subject to the provided You have enough available funds in Your Account. At the present time, You may 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. VISA DEBIT CHECK CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the provided You have enough available funds in Your Account, up to a daily maximum (share, line of credit and share draft 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 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.

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 UFirst Capital Communications 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings share and checking share draft Account(s), not to exceed two such deposits per day. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactionsto: (a) withdraw cash from Your savings share and checking share draft Account(s) not to exceed $810.00 per day (share, share draft, and line of credit combined), provided there are available funds in Your Account; and (b) transfer funds between Your savings share and checking share draft Account(s). ATM withdrawals may not exceed $500.00 per day ; and (savings, checking c) inquire about Your share and line of credit combined), subject to the available funds in Your Accountshare draft Account balance(s) with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 per day the available funds in Your share draft Account (savingsshare, checking share draft, and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst University 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 in accordance with applicable law. We are not responsible for delays in deposit posting due to improper identification. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification 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 in conjunction with Your 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 savings designated share and checking 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 and/or such other machines or facilities as We may designate to make the following transactionsto: (a) withdraw cash from Your savings designated share and checking 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; and (b) transfer funds between Your savings designated share and checking Account(s). ATM withdrawals may not exceed $500.00 per day share draft Accounts; (savings, checking and line of credit combined), subject to c) learn the available funds balances in Your Accountdesignated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 1,000.00 per day (savings, checking share and line of credit share draft combined), subject to the provided You have enough available funds in Your Account. VISA 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 CARD MASTERCARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings designated share and checking share draft Account(s). At the present time, You may also use Your Card in conjunction ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) with Your PIN in any of Our network of ATMs and and/or such other machines or facilities as We may designate to make the following transactionsto: (a) withdraw cash from Your savings designated share and checking 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; and (b) transfer funds between Your savings designated share and checking Account(s). ATM withdrawals may not exceed $500.00 per day share draft Accounts; (savings, checking and line of credit combined), subject to c) learn the available funds balances in Your Accountdesignated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 per day (savings, checking share and line of credit share draft combined), subject to the 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.

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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, to make the following transactions: (a) withdraw cash from Your savings share and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined)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 share draft 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. POS transactions may , not to exceed $3,000.00 per day the available funds in Your Account (savingsshare, checking share draft, and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CHECK CARD TRANSACTIONS. You may use Your Card 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 savings share, share draft, and checking money market Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, to make the following transactions: (a) withdraw cash from Your savings share, share draft, and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined)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. POS transactions may , not to exceed $3,000.00 per day the available funds in Your Account (savingsshare, checking share draft, and line of credit combined), subject to the available funds in 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 Sundays, and federal holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at UFirst LA 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 in accordance with applicable law. We are not responsible for delays in deposit posting due to improper identification. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to to: (a) deposit cash and checks to Your savings and checking Account(s). You may also use Your Card in conjunction 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: ; (ab) withdraw cash from Your savings primary share and checking share draft Account(s), not to exceed the available funds in Your Account (primary share and share draft combined); (c) transfer funds between Your primary share and share draft Account(s); and (bd) transfer funds between make balance inquiries on Your savings primary share and checking share draft Account(s)) with Us. For security reasons there are limits on the number of transactions and cash withdrawals that may be processed each day. ATM withdrawals may not exceed $500.00 per calendar day (savings, savings and checking and line of credit combined), subject to the available funds in Your AccountAccount(s). 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. POS transactions may , not to exceed $3,000.00 2,500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst 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 in accordance with applicable law. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 Withdrawals from Your savings share and checking Account(s)share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (bc) transfer funds between Balance inquiries about Your savings share and checking Account(s)share draft Accounts. ATM withdrawals may not exceed $500.00 1,000.00 per day (savingsshare, checking 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 may also use can make from Your Card in conjunction with Share Account using Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your AccountCard. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 Withdrawals from Your savings share and checking Account(s)share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (bc) transfer funds between Balance inquiries about Your savings share and checking Account(s)share draft Accounts. ATM withdrawals may not exceed $500.00 1,000.00 per day (savingsshare, checking 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. You may also use Your Card in conjunction with Your PIN or signature to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions in conjunction with Your PIN may not exceed $3,000.00 2,500.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account, whereas POS transactions in conjunction with Your signature may not exceed (share, share draft and line of credit combined) the available funds in Your Account. 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 any payment will reach any of Your payees and accepts no liability for any service fees or late charges levied against You.

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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to deposit cash and checks to exceed the available funds in Your savings and checking Account(s). You may also use Your Card in conjunction 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: Account (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (primary savings, checking and line of credit combined). At the present time, subject to the available funds in Your Account. You may also use Your Card in conjunction with Your PIN to: (a) make deposits to purchase goods Your primary savings and services checking Account(s); ("POS"b) at any business establishment where the Card is accepted. POS transactions may not exceed withdraw cash from Your primary savings and checking Account(s) up to a maximum (primary savings and checking combined) of $3,000.00 300.00 per day day; (savings, c) transfer funds between Your primary savings and checking and Account(s); (d) obtain advances on Your line of credit combined), subject to the available funds in account with Us; and (e) make balance inquiries on Your Accountprimary savings and checking Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to deposit cash and checks to exceed the available funds in Your savings and checking Account(s). You may also use Your Card in conjunction 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: Account (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (primary savings, checking and line of credit combined). At the present time, subject to the available funds in Your Account. You may also use Your Card in conjunction with Your PIN to: (a) make deposits to purchase goods Your primary savings and services checking Account(s); ("POS"b) at any business establishment where the Card is accepted. POS transactions may not exceed withdraw cash from Your primary savings and checking Account(s) up to a maximum (primary savings and checking combined) of $3,000.00 300.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account.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 Sundays, and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, to make the following transactions: (a) withdraw cash from Your savings share and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined)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 share draft 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. POS transactions may , not to exceed $3,000.00 per day the available funds in Your Account (savingsshare, checking share draft, and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CHECK CARD TRANSACTIONS. You may use Your Card 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 savings share, share draft, and checking money market Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, to make the following transactions: (a) withdraw cash from Your savings share, share draft, and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined)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. POS transactions may , not to exceed $3,000.00 per day the available funds in Your Account (savingsshare, checking share draft, and line of credit combined), subject to the available funds in 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 Your PIN to deposit cash and checks make deposits to Your savings and checking Account(s)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 conjunction with Your Account; (b) Transfers of funds between Your savings and checking Accounts; and (c) Balance inquiries about Your savings and checking Accounts. MASTERCARD 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 designate. At the present time, You may use Your Card and Your PIN to make the following transactions: (a) withdraw cash from deposits to Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your AccountAccounts. You may also use Your Card in conjunction with 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 Your Account; (b) Transfers of funds between Your savings and checking Accounts; and (c) Balance inquiries about Your savings and checking Accounts. You may also use Your Card to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may not exceed $3,000.00 per day accepted up to a maximum (savings, checking and line of credit and checking combined)) of $1,000.00 per day, subject to the provided You have enough available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any For security reasons there are daily limits on the number of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions that may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Accountbe made.

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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed , up to a maximum (share, line of credit and share draft combined) of $3,000.00 800.00 per day (savings, checking and line of credit combinedat Your option as low as $50.00 per day), subject to the provided You have enough available funds in Your Account. VISA At the present time, You may 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. MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed , up to a maximum (share, line of credit and share draft combined) of $800.00 per day for ATM withdrawals and $3,000.00 per day for POS withdrawals (savings, checking and line of credit combinedat Your option as low as $50.00 per day), subject to the provided You have enough available funds in Your Account. At the present time, You may 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 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; (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. 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. At the present time, You may also use Our One2Go System to access the online bill payment service 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; and (b) check status of payments previously authorized through the online bill payment service. In order to use the online bill payment service for such transactions, You must have a share draft Account with Us. By completing an online bill payment transaction using the online bill payment service, 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 any payment will reach any of Your payees and accepts no liability for any service fees or late charges levied against You.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with wi h 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 UFirst Capital Communications Federal Credit Union locations may not be posted to Your Account until un il they are received and verified by Us. All deposited items are removed from machines in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on he deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings share and checking Account(s), not to exceed two such deposits per day. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactionsto: (a) withdraw cash from Your savings share and checking Account(s) not to exceed $810.00 per day (share, checking, courtesy pay, and line of credit combined), provided there are available funds in Your Account; (b) transfer funds between Your share and checking Account(s); and (bc) transfer funds between inquire about Your savings share and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your AccountAccount balance(s) with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 per day the available funds in Your checking Account (savingsshare, checking checking, and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA CHECK CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); and (b) transfer funds between Your savings share and checking share draft Account(s). ATM withdrawals may not exceed $500.00 per day ; and (savings, checking c) make balance inquiries on Your share and line of credit combined), subject to the available funds in Your Accountshare 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. POS transactions ATM withdrawals may not exceed $3,000.00 505.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals POS transactions may not exceed $500.00 3,000.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. You may also use Your Card in conjunction with Your PIN understand that during any time the network is offline, the POS transaction limitation will be reduced to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may not exceed $3,000.00 200.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account.. COLORAMO AUDIO TELLER TRANSACTIONS. You may use Coloramo Audio Teller in conjunction with Your Access Code and a touch tone telephone for the following services: (a) transfer funds between Your share and share draft Account(s); (b) make check withdrawals from Your share, share draft, and other designated deposit Accounts; (c) make loan payments from Your share, 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 holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at UFirst Henrico 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings Account(s). You may also use Your Card in conjunction 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 Account(s); and (b) make miscellaneous inquiries on Your savings Account balances. 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 $500.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. POS withdrawals may not exceed $750.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. Purchases may not exceed $3,500.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) VISA CHECK CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between make miscellaneous inquiries on Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your AccountAccount balances. 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. POS transactions ATM withdrawals may not exceed $3,000.00 500.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM POS withdrawals may not exceed $500.00 750.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions Purchases may not exceed $3,000.00 3,500.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst Spirit Financial 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, to make the following transactions: (a) withdraw cash from Your savings share and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may share draft Accounts not to exceed $500.00 998.00 per day (savingsshare, checking share draft, and line of credit combined), subject to the available funds in Your Account. In addition, You may also use transfer funds between Your Card in conjunction share and share draft Accounts that You have with Us, and make miscellaneous inquiries on Your PIN to purchase goods share and services ("POS") at any business establishment where the Card is acceptedshare draft Accounts with Us. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, to make the following transactions: (a) withdraw cash from Your savings share and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may share draft Accounts not to exceed $500.00 998.00 per day (savingsshare, checking share draft, and line of credit combined), subject to the available funds in Your Account. In addition, You may transfer funds between Your share and share draft 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. POS transactions may , not to exceed $3,000.00 5,000.00 per day (savingsshare, checking share draft, and line of credit combined), subject to the available funds in 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 UFirst Capital Communications 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings share and checking share draft Account(s), not to exceed two such deposits per day. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactionsto: (a) withdraw wi thdraw cash from Your savings share and checking share draft Account(s) not to exceed $810.00 per day (share, share draft, and line of credit combined), provided there are available funds in Your Account; and (b) transfer funds between Your savings share and checking share draft Account(s). ATM withdrawals may not exceed $500.00 per day ; and (savings, checking c) inquire about Your share and line of credit combined), subject to the available funds in Your Accountshare draft Account balance(s) with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 per day the available funds in Your share draft Account (savingsshare, checking share draft, and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst Pioneer Valley 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA ATM/DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, not to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 1010.00 per day (savingsshare, checking 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. At the present time, 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. POS transactions may , not to exceed $3,000.00 5,000.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in 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 UFirst Family Financial 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to deposit cash exceed an amount that We will disclose to You separately prior to the time the first Electronic Fund Transfer is made (at Your option such amount may be as low as $50.00 per day), provided You have enough available funds in Your Account. You may also use Your Card and checks PIN to purchase goods and services (“POS”) at any business establishment where the Card is accepted, not to exceed an amount that We will disclose to You separately prior to the time the first Electronic Fund Transfer is made (at Your option such amount may be as low as $50.00 per day), provided You have enough available funds in Your Account. At the present time, You may use Your Card in conjunction with Your PIN in ATMs that We own and operate to: (a) make deposits to Your share, special purpose savings and checking share draft Account(s); (b) withdraw cash from Your share, special purpose savings and share draft Account(s); (c) transfer funds between Your share, special purpose savings and share draft Account(s); and (d) learn the balances in Your share, special purpose savings and share draft Account(s) that You have with Us. For security reasons there are limits on the number of transactions that may be processed each day. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs that We do not own and operate, and/or such other machines or facilities as We may designate to make the following transactionsto: (a) make deposits to Your share and share draft Account(s); (b) withdraw cash from Your savings share and checking share draft Account(s); (c) transfer funds between Your share and share draft Account(s); and (bd) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to learn the available funds balances in Your Accountshare and share draft Account(s) that You have with Us. You For security reasons there are limits on the number of transactions that may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is acceptedbe processed each day. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD MASTERCARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to deposit cash exceed an amount that We will disclose to You separately prior to the time the first Electronic Fund Transfer is made (at Your option such amount may be as low as $50.00 per day), provided You have enough available funds in Your Account. You may also use Your Card and checks PIN to purchase goods and services (“POS”) at any business establishment where the Card is accepted, not to exceed an amount that We will disclose to You separately prior to the time the first Electronic Fund Transfer is made (at Your option such amount may be as low as $50.00 per day), provided You have enough available funds in Your Account. At the present time, You may use Your Card in conjunction with Your PIN in ATMs that We own and operate to: (a) make deposits to Your share, special purpose savings and checking share draft Account(s); (b) withdraw cash from Your share, special purpose savings and share draft Account(s); (c) transfer funds between Your share, special purpose savings and share draft Account(s); and (d) learn the balances in Your share, special purpose savings and share draft Account(s) that You have with Us. For security reasons there are limits on the number of transactions that may be processed each day. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs that We do not own and operate, and/or such other machines or facilities as We may designate to make the following transactionsto: (a) make deposits to Your share and share draft Account(s); (b) withdraw cash from Your savings share and checking share draft Account(s); (c) transfer funds between Your share and share draft Account(s); and (bd) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to learn the available funds balances in Your Accountshare and share draft Account(s) that You have with Us. You For security reasons there are limits on the number of transactions that 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Accountbe processed each 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES PFFCU ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, not to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per business day (savingsshare, checking 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. At the present time, 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. POS transactions may , not to exceed $3,000.00 per business day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. VISA PFFCU DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, not to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per business day (savingsshare, checking 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. At the present time, 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. POS transactions may , not to exceed $3,000.00 per business day (savingsshare, checking share draft and line of credit combined), subject to the available funds in 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 UFirst Space Age 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share, checking, and checking money market Account(s). You may also use Your Card in conjunction 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 share, checking, and money market Account(s); (b) transfer funds between Your share and checking Account(s); and (bc) transfer funds between make balance inquiries on Your savings share and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account) with Us. You may also use Your Card in conjunction with Your PIN or Signature to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions ATM withdrawals may not exceed $3,000.00 200.00 per calendar day (savingsshare, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CHECK CARD TRANSACTIONS. You may use Your Card 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 savings share, checking, and checking money market Account(s). You may also use Your Card in conjunction 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 share and checking Account(s); and (b) transfer funds between Your savings share and checking Account(s). ATM withdrawals may not exceed $500.00 per day ; (savings, checking and line c) take advances on Your lines of credit combined), subject to the available funds in with Us; and (d) make balance inquiries on Your Accountshare and checking Account(s) with Us. You may also use Your Card in conjunction with Your PIN or Signature to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions ATM withdrawals may not exceed $3,000.00 200.00 per calendar day (savingsshare, checking and line of credit combined), subject to the available funds in Your Account. POS transactions may not exceed the available funds in 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 UFirst Family Financial 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); and (b) transfer funds between Your savings share and checking share draft Account(s). ATM withdrawals may not exceed $500.00 per day ; and (savings, checking c) make balance inquiries on Your share and line of credit combined), subject to the available funds in Your Accountshare draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN or Signature to purchase goods and services in point-of-sale ("POS") transactions at any business establishment where the Card is accepted. POS For security reasons there are limits on the number of transactions that may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject be processed each day. Subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed an aggregate daily limit that We will disclose to You separately prior to the time the first Electronic Fund Transfer is made (at Your option, You may establish a limit that is as low as $500.00 50.00 per day (savings, checking and line of credit combinedday), subject . Subject to the available funds in Your Account. 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. , POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject an aggregate daily limit that We will disclose to You separately prior to the available funds in time the first Electronic Fund Transfer is made (at Your Accountoption, You may establish a limit that is as low as $50.00 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA CHECK CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); (b) make deposits to Your share and share draft Account(s); (c) transfer funds between Your loan accounts, share and share draft Account(s); and (bd) transfer funds between make balance inquiries on Your savings share and checking share draft Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account) 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. POS transactions ATM withdrawals may not exceed $3,000.00 310.00 per calendar day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals POS transactions may not exceed $500.00 1,500.00 per calendar day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. AUDIO RESPONSE TRANSACTIONS. You may also use Your Card Audio Response in conjunction with Your PIN Access Code and a touch tone telephone 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; (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. Audio Response operates 24 hours every day. If You attempt to purchase goods use the system and services are told that "the system is not available," please try again later when service is restored. VIRTUAL BANKING TRANSACTIONS. You may use Virtual Banking in conjunction with Your Access Code, an internet connection and a personal computer for the following services: ("POS"a) at any business establishment where the Card is accepted. POS transactions may not exceed $3,000.00 per day transfer funds between Your share, and share draft Accounts; (savings, checking and line of credit combined), subject to the available funds in Your Account.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 and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (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. ATM withdrawals may not exceed $500.00 1,000.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions withdrawals may not exceed $3,000.00 1,000.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (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. ATM withdrawals may not exceed $500.00 2,500.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions withdrawals may not exceed $3,000.00 2,500.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst SAC 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA AND DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and and/or such other machines or facilities as We may designate to make the following transactionsto: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your savings and checking Share or Share Draft Account(s); and (bc) transfer funds between Your savings Share and checking Account(s). ATM withdrawals may not exceed $500.00 per day Share Draft Accounts; and (savings, checking and line of credit combined), subject to d) learn the available funds balances in Your Accountdeposit Accounts that You have with Us. You may also use Your Card in conjunction with to make Point of Sale (POS) withdrawals from Your PIN Share Draft Account and to purchase goods and services ("POS") at any business establishment location where the Card is accepted. POS transactions may not exceed $3,000.00 per day (savingsIf You do use Your Card for such transactions, checking and line of credit combined), subject You authorize Us to withdraw funds up to the available funds in balance of Your AccountAccount(s) to cover any such transactions, provided You have available 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 UFirst Atomic 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD DEBIT MASTERCARD TRANSACTIONS. Except for Cards issued to minors, You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make deposits to Your share and share draft Accounts. At the following transactionspresent time, You may also use Your Card in conjunction with Your PIN to: (a) withdraw cash from Your savings share and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may share draft Accounts, not to exceed $500.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account; (b) transfer funds between Your share and share draft Accounts; and (c) make balance inquiries on Your share and share draft Accounts with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONSMASTERCARD TRANSACTIONS (FOR MINORS). For Cards issued to minors, You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make deposits to Your share and share draft Accounts. At the following transactionspresent time, You may also use Your Card in conjunction with Your PIN to: (a) withdraw cash from Your savings share and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may share draft Accounts, not to exceed $500.00 100.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account; (b) transfer funds between Your share and share draft Accounts; and (c) make balance inquiries on Your share and share draft Accounts with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 200.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in 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 UFirst 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 in accordance with applicable law. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 Withdrawals from Your savings share and checking Account(s)share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (bc) transfer funds between Balance inquiries about Your savings share and checking Account(s)share draft Accounts. ATM withdrawals may not exceed $500.00 1,000.00 per day (savingsshare, checking 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 may also use can make from Your Card in conjunction with Share Account using Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your AccountCard. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 Withdrawals from Your savings share and checking Account(s)share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (bc) transfer funds between Balance inquiries about Your savings share and checking Account(s)share draft Accounts. ATM withdrawals may not exceed $500.00 1,000.00 per day (savingsshare, checking 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. You may also use Your Card in conjunction with Your PIN or signature to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions in conjunction with Your PIN may not exceed $3,000.00 2,500.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account, whereas POS transactions in conjunction with Your signature may not exceed (share, share draft and line of credit combined), the available funds in 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 UFirst CP 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); and (b) transfer funds between Your savings share and checking share draft Account(s). ATM withdrawals may not exceed (share, share draft and line of credit combined) $500.00 per day (savingsat Your option as low as $50.00 per day), checking subject to the available funds in Your Account. ATM transfers may not exceed (share, share draft and line of credit combined) $5,000.00 per day (at Your option as low as $50.00 per day), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savingsshare, checking share draft and line of credit combined) $500.00 per day (at Your option as low as $50.00 per day), subject to the available funds in Your Account. VISA MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); and (b) transfer funds between Your savings share and checking share draft Account(s). ATM withdrawals may not exceed (share, share draft and line of credit combined) $500.00 per day (savingsat Your option as low as $50.00 per day), checking subject to the available funds in Your Account. ATM transfers may not exceed (share, share draft and line of credit combined) $5,000.00 per day (at Your option as low as $50.00 per day), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savingsshare, checking share draft and line of credit combined) $5,000.00 per day (at Your option as low as $50.00 per day), subject to the available funds in 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 UFirst Capital Communications 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings share and checking Account(s), not to exceed two such deposits per day. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactionsto: (a) withdraw cash from Your savings share and checking Account(s) not to exceed $810.00 per day (share, checking, courtesy pay, and line of credit combined), provided there are available funds in Your Account; (b) transfer funds between Your share and checking Account(s); and (bc) transfer funds between inquire about Your savings share and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your AccountAccount balance(s) with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 per day the available funds in Your checking Account (savingsshare, checking checking, and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savingsloan accounts, checking share, share draft and line of credit combinedAccount(s), subject to the available funds in ; and (c) make balance inquiries on Your Accountshare 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. POS transactions ATM withdrawals may not exceed $3,000.00 per day (savingsshare, checking share draft and line of credit combined)) $800.00 per calendar day, subject to the available funds in Your Account. VISA POS transactions may not exceed (share, share draft and line of credit combined) $800.00 per calendar day, subject to the available funds in Your Account. In each case, You may instruct Us to limit withdrawals to as low as $50.00 per day. MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savingsloan accounts, checking share, share draft and line of credit combinedAccount(s), subject to the available funds in ; and (c) make balance inquiries on Your Accountshare 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. POS transactions ATM withdrawals may not exceed $3,000.00 per day (savingsshare, checking share draft and line of credit combined)) $800.00 per calendar day, subject to the available funds in Your Account.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 federal holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES IFCU ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings designated share and checking 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 and/or such other machines or facilities as We may designate to make the following transactionsto: (a) withdraw cash from Your savings designated share and checking share draft Account(s), not to exceed $259.00 per day (share and share draft combined), provided You have enough available funds in Your Account; and (b) transfer funds between Your savings designated share and checking Account(s). ATM withdrawals may not exceed $500.00 per day share draft Accounts; and (savings, checking and line of credit combined), subject to c) learn the available funds balances in Your Accountdesignated share and share draft Accounts that You have with Us. You For security reasons there are limits on the number of transactions that may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is acceptedbe processed each day. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. IFCU VISA DEBIT CHECK CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings designated share and checking Account(sshare draftAccount(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and and/or such other machines or facilities as We may designate to make the following transactionsto: (a) withdraw cash from Your savings designated share and checking 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; and (b) transfer funds between Your savings designated share and checking Account(s). ATM withdrawals may not exceed $500.00 per day share draft Accounts; (savings, checking and line of credit combined), subject to c) learn the available funds balances in Your Account. designated share and share draft Accounts that You may also use Your Card in conjunction have with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account.Us; 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 holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at UFirst 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 in accordance with applicable laweach 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 identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings share and checking Account(sshare draft account(s). You may also use Your Card in conjunction with Your and 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may withdrawals, not to exceed $500.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Accountaccount. At the present time, You may use Your Card in conjunction with Your PIN to: (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 and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Accountaccount. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 savings share and checking Account(sshare draft account(s). You may also use Your Card in conjunction with Your and 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may withdrawals, not to exceed $500.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Accountaccount. At the present time, You may use Your Card in conjunction with Your PIN to: (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 and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Accountaccount. 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 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 NOTICEFOREIGN TRANSACTIONS. Subject to Our Delayed Funds Availability PolicyFor transactions initiated in foreign countries and foreign currencies, deposits made at UFirst Credit Union locations the exchange rate between the transaction currency and the billing currency (U.S. Dollars) will be: (a) a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may not vary from the rate VISA itself receives; or (b) the government-mandated rate in effect for the applicable central processing date. The exchange rate used in processing such transaction may differ from the rate that was in effect on the transaction or posting date. For transactions that are initiated in a foreign currency, You will be posted to Your Account until they are received charged 1.00% of the final settlement amount. For transactions occurring in foreign countries and verified by Us. All deposited items are removed from machines initiated in accordance with applicable law. We are not responsible for delays in deposit posting due to improper identification. See Our Funds Availability Policy Disclosure for Our policy regarding U.S. Dollars, You will be charged 1.00% of the availability of Your depositsfinal settlement amount. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designatewithin the PLUS, PULSE and NYCE networks, to deposit cash and checks to Your savings share and checking share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate designate, not to exceed $200.00 per day for those withdrawals occurring in Mexico and $400.00 per day for those withdrawals occurring outside of Mexico, subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your savings share and checking share draft Account(s); and (b) transfer funds between Your savings share and checking 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. ATM withdrawals may not exceed $500.00 per day (savingsAt the present time, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may , not to exceed $3,000.00 1,500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined)day, subject to the available funds in 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); and (b) transfer funds between Your savings share and checking share draft Account(s). ATM withdrawals may not exceed $500.00 per day ; and (savings, checking c) make balance inquiries on Your share and line of credit combined), subject to the available funds in Your Accountshare draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN or signature, to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions ATM withdrawals may not exceed $3,000.00 300.00 per calendar day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. POS withdrawals may not exceed $300.00 per calendar day (share, share draft and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); and (b) transfer funds between Your savings share and checking share draft Account(s). ATM withdrawals may not exceed $500.00 per day ; and (savings, checking c) make balance inquiries on Your share and line of credit combined), subject to the available funds in Your Accountshare 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. POS transactions ATM withdrawals may not exceed $3,000.00 500.00 per calendar day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. POS withdrawals may not 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 UFirst On Tap 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share, checking, and checking money market Account(s). You may also use Your Card in conjunction 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 share, checking, and money market Account(s); (b) transfer funds between Your share and checking Account(s); and (bc) transfer funds between make balance inquiries on Your savings share and checking Account(s)) with Us. ATM cash withdrawals may not exceed are limited to a maximum of eight (8) withdrawals per day, subject to an aggregate limit of $500.00 per day (savingsshare, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking share draft and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 share and checking share draft Account(s); and (b) transfer funds between Your savings share and checking share draft Account(s). ATM withdrawals may not exceed $500.00 per day ; and (savings, checking c) make balance inquiries on Your share and line of credit combined), subject to the available funds in Your Accountshare 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. POS transactions may not exceed ATM cash withdrawals are limited to a maximum of eight (8) withdrawals per day, subject to an aggregate limit of $3,000.00 500.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account. You may also use Your Card to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions that use your signature are limited to a maximum of ten (10) purchases per day, subject to an aggregate limit of $3,500.00 per day (share, share draft and line of credit combined), subject to the available funds in 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 Your PIN to deposit cash and checks make deposits to Your savings and checking Account(s)Accounts. You may also use Your Card in conjunction with and Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactionsfor: (a) withdraw cash Withdrawals from Your savings or checking Accounts up to a maximum (savings, line of credit and checking Account(s)combined) of $375.00 per day - at Your option as low as $50.00 per day, provided You have enough available funds in Your Account; and (b) transfer Transfers of funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day Accounts; and (savings, c) Balance inquiries about Your savings and checking and line of credit combined), subject to the available funds in Your AccountAccounts. 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. POS transactions may not exceed $3,000.00 per day accepted up to a maximum (savings, checking and line of credit and checking combined)) of $1,000.00 per day, subject to the provided You have enough available funds in Your Account. VISA MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your 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 Your PIN to deposit cash and checks make deposits to Your savings and checking Account(s)Accounts. You may also use Your Card in conjunction with and Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make the following transactionsfor: (a) withdraw cash Withdrawals from Your savings or checking Accounts up to a maximum (savings, line of credit and checking Account(s)combined) of $375.00 per day - at Your option as low as $50.00 per day, provided You have enough available funds in Your Account; and (b) transfer Transfers of funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day Accounts; and (savings, c) Balance inquiries about Your savings and checking and line of credit combined), subject to the available funds in Your AccountAccounts. 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. POS transactions may not exceed $3,000.00 per day accepted up to a maximum (savings, checking and line of credit and checking combined)) of $1,000.00 per day, subject to the provided You have enough available funds in Your Account. For security reasons there are daily limits on the number of POS transactions that may be made. 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 UFirst 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (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. ATM withdrawals may not exceed $500.00 300.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions withdrawals may not exceed $3,000.00 300.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD MASTERCARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (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. ATM withdrawals may not exceed $500.00 300.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions withdrawals may not exceed $3,000.00 1,000.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst University 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in 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 UFirst CoastHills 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to deposit cash and checks to Your savings and checking Account(s). You may also use Your Card in conjunction 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: exceed (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savingsshare, checking and line of credit and share draft combined), subject to ) the available funds in Your Account. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where At the Card is accepted. POS transactions may not exceed $3,000.00 per day (savingspresent time, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and and/or such other machines or facilities as We may designate to make the following transactionsto: (a) make deposits to Your designated share and share draft Account(s); (b) withdraw cash from Your savings designated share and checking share draft Account(s); and (bc) transfer funds between Your savings designated share and checking Account(s). ATM withdrawals share draft Accounts; (d) learn the balances in Your designated share and share draft Accounts that You have with Us; (e) make payments on Your loan Accounts that You may not exceed $500.00 per day have with Us from Your designated share and share draft Accounts; (savings, checking and f) access Your line of credit combined), subject accounts with Us; and (g) make payments to the available funds in Your Accountpreauthorized creditors. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted. POS transactions may , not to exceed $3,000.00 per day (savingsshare, checking and line of credit and share draft combined), 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 there are limits on the number of transactions that may be processed each 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 UFirst 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 in accordance with applicable law. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 Withdrawals from Your savings share and checking Account(s)share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (bc) transfer funds between Balance inquiries about Your savings share and checking Account(s)share draft Accounts. ATM withdrawals may not exceed $500.00 1,000.00 per day (savingsshare, checking 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 may also use can make from Your Card in conjunction with Share Account using Your PIN to purchase goods and services ("POS") at any business establishment where the Card is acceptedCard. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings share and checking share draft Account(s). You may also use Your Card in conjunction 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 Withdrawals from Your savings share and checking Account(s)share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (bc) transfer funds between Balance inquiries about Your savings share and checking Account(s)share draft Accounts. ATM withdrawals may not exceed $500.00 1,000.00 per day (savingsshare, checking 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. You may also use Your Card in conjunction with Your PIN or signature to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions in conjunction with Your PIN may not exceed $3,000.00 2,500.00 per day (savingsshare, checking share draft and line of credit combined), subject to the available funds in Your Account., whereas POS transactions in conjunction with Your signature may not exceed (share, share draft and line of credit combined), the available funds in Your Account. 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;

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 UFirst Community Financial 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day ; (savings, checking and c) take advances on Your line of credit combinedwith Us and have the amount advanced deposited into Your savings and checking Account(s), subject to the available funds in ; (d) make payments on Your AccountCredit Union loans from Your savings and checking Account(s); and (e) make balance inquiries on Your savings and checking 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. POS transactions ATM withdrawals may not exceed $3,000.00 700.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. VISA POS withdrawals may not exceed the available funds in Your Account. MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card 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 savings and checking Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day ; (savings, checking and c) take advances on Your line of credit combinedwith Us and have the amount advanced deposited into Your savings and checking Account(s), subject to the available funds in ; (d) make payments on Your AccountCredit Union loans from Your savings and checking Account(s); and (e) make balance inquiries on Your savings and checking 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. POS transactions ATM withdrawals may not exceed $3,000.00 700.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account. POS withdrawals may not exceed the available funds in 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 UFirst Space Age 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 in accordance with applicable laweach business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card 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 savings share, checking, and checking money market Account(s). You may also use Your Card in conjunction 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 share, checking, and money market Account(s); (b) transfer funds between Your share and checking Account(s); and (bc) transfer funds between make balance inquiries on Your savings share and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account) with Us. You may also use Your Card in conjunction with Your PIN or Signature to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions ATM withdrawals may not exceed $3,000.00 200.00 per calendar day (savingsshare, checking and line of credit combined), subject to the available funds in Your Account. VISA DEBIT CHECK CARD TRANSACTIONS. You may use Your Card 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 savings share, checking, and checking money market Account(s). You may also use Your Card in conjunction 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); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not exceed $500.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account. 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. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to the available funds in Your Account.: