Common use of OTHER PROVISIONS AND GOVERNING LAW Clause in Contracts

OTHER PROVISIONS AND GOVERNING LAW. Neither this agreement nor the use of the card or other electronic access in connection with any instrument shall affect or impair in any manner your obligation with respect to or under any other agreement or instrument endorsed by or drawn on your account. The authorized use of a card at any terminal location or transfer of funds by means of other electronic access, pursuant to your instruction to withdraw or transfer funds from any individual or joint account with us, shall operate as your consent to withdraw or transfer funds from such account under the terms of the applicable account agreements and all rules and regulations governing such accounts. Any overdrafts created against your account may be paid by charging such amount to any other account. This Agreement represents our complete agreement with you relating to our Internet and electronic account access. No other statement, oral, or written unless otherwise noted is part of this Agreement. This agreement shall be governed by the laws of the state of Ohio except to the extent Federal Law is applicable. Any omission or delay by us in exercising our rights hereunder shall not constitute a waiver of those rights. If any part of this Agreement is unenforceable, it will not make any other part unenforceable. A. Contact Us. If you have any questions regarding an ACH transaction or to request a stop payment on an ACH trans- action contact Member Services 216. 739.2300 or 800. 828.6446 during business hours (Monday – Friday 8:00 A.M. - 4:00 P.M.EST, Holidays are not included). B. Right to stop payment and procedure for doing so.We require you to put your stop payment request in writ- ing. Call Member Services (see Contact Us) to request the ACH Stop Payment form.We must receive the completed form 3 business days or more before the payment you wish to stop is scheduled to be made. The ACH Stop Payment Fee must be available for us to charge the account or the stop payment request will not be completed, Refer to current “Schedule of Service Charges” for the ACH Stop Payment Fee amount. If the ACH charge to your “Funding Account” is rejected or returned because you have instructed us to stop a recurring payment, you will be charged an ACH Return Item Fee. Refer to current “Schedule of Service Charges” for ACH Return Item Fee.

OTHER PROVISIONS AND GOVERNING LAW. Neither this agreement nor the use of the card or other electronic access in connection with any instrument shall affect or impair in any manner your obligation with respect to or under any other agreement or instrument endorsed by or drawn on your account. The authorized use of a card at any terminal location or transfer of funds by means of other electronic access, pursuant to your instruction to withdraw or transfer funds from any individual or joint account with us, shall operate as your consent to withdraw or transfer funds from such account under the terms of the applicable account agreements and all rules and regulations governing such accounts. Any overdrafts created against your account may be paid by charging such amount to any other account. This Agreement represents our complete agreement with you relating to our Internet and electronic account access. No other statement, oral, or written unless otherwise noted is part of this Agreement. This agreement shall be governed by the laws of the state of Ohio except to the extent Federal Law is applicable. Any omission or delay by us in exercising our rights hereunder shall not constitute a waiver of those rights. If any part of this Agreement is unenforceable, it will not make any other part unenforceable. A. Contact Us. If you have any questions regarding an ACH transaction or to request a stop payment on an ACH trans- action transaction contact Member Services 216. 739.2300 or 800. 828.6446 during business hours (Monday – Friday 8:00 A.M. - 4:00 P.M.EST, Holidays are not included). B. Right to stop payment and procedure for doing so.We so require you to put your stop payment request in writ- ingwriting. Call Member Services (see Contact Us) to request the ACH Stop Payment form.. We must receive the completed form 3 business days or more before the payment you wish to stop is scheduled to be made. The ACH Stop Payment Fee must be available for us to charge the account or the stop payment request will not be completed, .Refer to current “Schedule of Service Charges” for the ACH Stop Payment Fee amount. If the ACH charge to your “Funding Account” is rejected or returned because you have instructed us to stop a recurring payment, you will be charged an ACH Return Item Fee. Refer to current “Schedule of Service Charges” for ACH Return Item Fee.

OTHER PROVISIONS AND GOVERNING LAW. Neither this agreement nor the use of the card or other electronic access in connection with any instrument shall affect or impair in any manner your obligation with respect to or under any other agreement or instrument endorsed by or drawn on your account. The authorized use of a card at any terminal location or transfer of funds by means of other electronic access, pursuant to your instruction to withdraw or transfer funds from any individual or joint account with us, shall operate as your consent to withdraw or transfer funds from such account under the terms of the applicable account agreements and all rules and regulations governing such accounts. Any overdrafts created against your account may be paid by charging such amount to any other account. This Agreement represents our complete agreement with you relating to our Internet and electronic account access. No other statement, oral, or written unless otherwise noted is part of this Agreement. This agreement shall be governed by the laws of the state of Ohio except to the extent Federal Law is applicable. Any omission or delay by us in exercising our rights hereunder shall not constitute a waiver of those rights. If any part of this Agreement is unenforceable, it will not make any other part unenforceable. A. Contact Us. If you have any questions regarding an ACH transaction or to request a stop payment on an ACH trans- action transaction contact Member Services 216. 739.2300 or 800. 828.6446 during business hours (Monday – Friday 8:00 A.M. - 4:00 P.M.EST, Holidays are not included). B. Right to stop payment and procedure for doing so.We require you to put your stop payment request in writ- ingwriting. Call Member Services (see Contact Us) to request the ACH Stop Payment form.We must receive the completed form 3 business days or more before the payment you wish to stop is scheduled to be made. .The ACH Stop Payment Fee must be available for us to charge the account or the stop payment request will not be completed, Refer to current “Schedule of Service Charges” for the ACH Stop Payment Fee amount. If the ACH charge to your “Funding Account” is rejected or returned because you have instructed us to stop a recurring payment, you will be charged an ACH Return Item Fee. Refer to current “Schedule of Service Charges” for ACH Return Item Fee. C. Liability for Failure to Stop Payment of Preauthorized Transfer. If you request to stop a preauthorized payment 3 business days or more before the transfer is scheduled and the Stop Payment Fee is available for us to charge the account, and we do not stop the payment, we will be liable for your actual loss or damages. D. Provisional Payment. Credit given by us to you with respect to an automated clearing house credit entry is provisional until we receive final settlement for such entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such entry, and the party making payment to you via such entry (i.e. the originator of the entry) shall not be deemed to have paid (you) in the amount of such entry.

OTHER PROVISIONS AND GOVERNING LAW. Neither this agreement nor the use of the card or other electronic access in connection with any instrument shall affect or impair in any manner your obligation with respect to or under any other agreement or instrument endorsed by or drawn on your account. The authorized use of a card at any terminal location or transfer of funds by means of other electronic access, pursuant to your instruction to withdraw or transfer funds from any individual or joint account with us, shall operate as your consent to withdraw or transfer funds from such account under the terms of the applicable account agreements and all rules and regulations governing such accounts. Any overdrafts created against your account may be paid by charging such amount to any other account. This Agreement represents our complete agreement with you relating to our Internet and electronic account access. No other statement, oral, or written unless otherwise noted is part of this Agreement. This agreement shall be governed by the laws of the state of Ohio except to the extent Federal Law is applicable. Any omission or delay by us in exercising our rights hereunder shall not constitute a waiver of those rights. If any part of this Agreement is unenforceable, it will not make any other part unenforceable. A. Contact Us. If you have any questions regarding an ACH transaction or to request a stop payment on an ACH trans- action transaction contact Member Services 216. 739.2300 or 800. 828.6446 during business hours (Monday – Friday 8:00 A.M. - 4:00 P.M.EST, Holidays are not included). B. Right to stop payment and procedure for doing so.We require you to put your stop payment request in writ- ingwriting. Call Member Services (see Contact Us) to request the ACH Stop Payment form.We must receive the completed form 3 business days or more before the payment you wish to stop is scheduled to be made. .The ACH Stop Payment Fee must be available for us to charge the account or the stop payment request will not be completed, Refer to current “Schedule of Service Charges” for the ACH Stop Payment Fee amount. If the ACH charge to your “Funding Account” is rejected or returned because you have instructed us to stop a recurring payment, you will be charged an ACH Return Item Fee. Refer to current “Schedule of Service Charges” for ACH Return Item Fee.