Common use of Overdraft Advances Clause in Contracts

Overdraft Advances. If I exceed the balance in my checking account, I understand that you may, at your option, transfer funds from my credit card account in the amount sufficient to cover the amount overdrawn. These transfers will occur provided that it will not exceed the credit limit of my card account. Additional Cards. If I request more than two credit cards with my account, I agree to pay an additional $5.00 per year per card. Replacement Cards. I understand that if I report my card(s) lost or stolen, a replacement card(s) will be issued at no charge up to twice during the life of my account. If a replacement card is requested more than twice on my account, a card replacement fee will be imposed. The amount of the card replacement fee will be posted on the current credit union service fee list and will be disclosed to me at the time I request the replacement card. Changes in This Agreement. You can increase the finance charge, annual fee or other charges, impose a transaction fee, change the method of calculating interest or make other changes in this agreement provided you give me prior notice as required by law. You can notify me at the address shown on your records. I understand that unless I exercise my right to opt out, these changes will apply to all balances owing on my account at the time of the change as well as any future balances. I understand that if I opt out, my credit limit will be closed and the outstanding balance will be continue to be paid according to the original terms until it is paid in full. Entire Balance Due. You can require that I pay my entire balance at once if I break a promise or anything else happens which significantly impairs my ability to repay. Change of Address. If I move, I agree to inform you of my new address so you may change your records. Delay in Enforcement. You can delay enforcing any of your rights under this agreement without losing them. Unaccepted Cards. You won't be responsible if my card isn't accepted by a bank or merchant. Lost or Stolen Cards. I may be liable for the unauthorized use of my card(s). I will not be liable for unauthorized use that occurs after I notify WESTMARK CREDIT UNION, P.O. Box 2869, Idaho Falls, ID 83403-2869, orally or in writing, of the loss, theft or possible unauthorized use. Telephoning is the best way of keeping my possible losses down. I must tell you AT ONCE. Unless I have been grossly negligent or have engaged in fraud, my liability will not exceed $50.00 if I believe my card, PIN, or other approved access devices have been lost or stolen or that someone has transferred or may transfer money from my account without authorization, and I tell you within two business days. If I do NOT tell you within two business days after I learn of the loss or theft of my card, PIN, or other access devices, and you can prove that the unauthorized electronic transfers could have been prevented if I had notified you, I could lose as much as $500.00. If my card(s) is lost or stolen or if I suspect possible unauthorized use of the card, I will call my local WESTMARK CREDIT UNION office during regular business hours, as soon as possible, or I will contact Card Services at 1-800-453- 4270 during non-business hours. Collection Costs. I will pay all collection costs, including reasonable attorney's fees, to the extent permitted by law, if you are required to take collection action. Closing the Account. Either you or I can close my account at any time. You do not have to notify me in advance. If either you or I close my account, I understand that I won't get a refund on any part of the year's annual fee, and I agree to return all cards to you. I will still be responsible for paying all amounts I owe even after my account is closed. Law That Applies. This agreement is governed by Idaho law. CARDHOLDER AGREEMENT AND DISCLOSURE Account Number XXXXXX - XX

Overdraft Advances. If I exceed the balance in my checking account, I understand that you may, at your option, transfer funds from my credit card account in the amount sufficient to cover the amount overdrawn. These transfers will occur provided that it will not exceed the credit limit of my card account. Additional Cards. If I request more than two credit cards with my account, I agree to pay an additional $5.00 per year per card. Replacement Cards. I understand that if I report my card(s) lost or stolen, a replacement card(s) will be issued at no charge up to twice during the life of my account. If a replacement card is requested more than twice on my account, a card replacement fee will be imposed. The amount of the card replacement fee will be posted on the current credit union service fee list and will be disclosed to me at the time I request the replacement card. Changes in This Agreement. You can increase the finance charge, annual fee or other charges, impose a transaction fee, change the method of calculating interest or make other changes in this agreement provided you give me prior notice as required by law. You can notify me at the address shown on your records. I understand that unless I exercise my right to opt out, these changes will apply to all balances owing on my account at the time of the change as well as any future balances. I understand that if I opt out, my credit limit will be closed and the outstanding balance will be continue to be paid according to the original terms until it is paid in full. Entire Balance Due. You can require that I pay my entire balance at once if I break a promise or anything else happens which significantly impairs my ability to repay. Change of Address. If I move, I agree to inform you of my new address so you may change your records. Delay in Enforcement. You can delay enforcing any of your rights under this agreement without losing them. Unaccepted Cards. You won't be responsible if my card isn't accepted by a bank or merchant. Lost or Stolen Cards. I may be liable for the unauthorized use of my card(s). I will not be liable for unauthorized use that occurs after I notify WESTMARK CREDIT UNION, P.O. Box 2869, Idaho Falls, ID 83403-2869, orally or in writing, of the loss, theft or possible unauthorized use. Telephoning is the best way of keeping my possible losses down. I must tell you AT ONCE. Unless I have been grossly negligent or have engaged in fraud, my liability will not exceed $50.00 if I believe my card, PIN, or other approved access devices have been lost or stolen or that someone has transferred or may transfer money from my account without authorization, and I tell you within two business days. If I do NOT tell you within two business days after I learn of the loss or theft of my card, PIN, or other access devices, and you can prove that the unauthorized electronic transfers could have been prevented if I had notified you, I could lose as much as $500.00. If my card(s) is lost or stolen or if I suspect possible unauthorized use of the card, I will call my local WESTMARK CREDIT UNION office during regular business hours, as soon as possible, or I will contact Card Services at 1-800-453- 4270 during non-business hours. Collection Costs. I will pay all collection costs, including reasonable attorney's fees, to the extent permitted by law, if you are required to take collection action. Closing the Account. Either you or I can close my account at any time. You do not have to notify me in advance. If either you or I close my account, I understand that I won't get a refund on any part of the year's annual fee, and I agree to return all cards to you. I will still be responsible for paying all amounts I owe even after my account is closed. Law That Applies. This agreement is governed by Idaho law. CARDHOLDER AGREEMENT AND DISCLOSURE Account Number XXXXXX XXXXXXX - XX

Overdraft Advances. If I exceed the balance in my checking account, I understand that you may, at your option, transfer funds from my credit card account in the amount sufficient to cover the amount overdrawn. These transfers will occur provided that it will not exceed the credit limit of my card account. Additional Cards. If I request more than two credit cards with my account, I agree to pay an additional $5.00 per year per card. Replacement Cards. I understand that if I report my card(s) lost or stolen, a replacement card(s) will be issued at no charge up to twice during the life of my account. If a replacement card is requested more than twice on my account, a card replacement fee will be imposed. The amount of the card replacement fee will be posted on the current credit union service fee list and will be disclosed to me at the time I request the replacement card. Changes in This Agreement. You can increase the finance charge, annual fee or other charges, impose a transaction fee, change the method of calculating interest or make other changes in this agreement provided you give me prior notice as required by law. You can notify me at the address shown on your records. I understand that unless I exercise my right to opt out, these changes will apply to all balances owing on my account at the time of the change as well as any future balances. I understand that if I opt out, my credit limit will be closed and the outstanding balance will be continue to be paid according to the original terms until it is paid in full. Entire Balance Due. You can require that I pay my entire balance at once if I break a promise or anything else happens which significantly impairs my ability to repay. Change of Address. If I move, I agree to inform you of my new address so you may change your records. Delay in Enforcement. You can delay enforcing any of your rights under this agreement without losing them. Unaccepted Cards. You won't be responsible if my card isn't accepted by a bank or merchant. Lost or Stolen Cards. I may be liable for the unauthorized use of my card(s). I will not be liable for unauthorized use that occurs after I notify WESTMARK CREDIT UNION, P.O. Box 2869, Idaho Falls, ID 83403-2869, orally or in writing, of the loss, theft or possible unauthorized use. Telephoning is the best way of keeping my possible losses down. I must tell you AT ONCE. Unless I have been grossly negligent or have engaged in fraud, my liability will not exceed $50.00 if I believe my card, PIN, or other approved access devices have been lost or stolen or that someone has transferred or may transfer money from my account without authorization, and I tell you within two business days. If I do NOT tell you within two business days after I learn of the loss or theft of my card, PIN, or other access devices, and you can prove that the unauthorized electronic transfers could have been prevented if I had notified you, I could lose as much as $500.00. If my card(s) is lost or stolen or if I suspect possible unauthorized use of the card, I will call my local WESTMARK CREDIT UNION office during regular business hours, as soon as possible, or I will contact Card Services at 1-800-453- 4270 during non-business hours. Collection Costs. I will pay all collection costs, including reasonable attorney's fees, to the extent permitted by law, if you are required to take collection action. Closing the Account. Either you or I can close my account at any time. You do not have to notify me in advance. If either you or I close my account, I understand that I won't get a refund on any part of the year's annual fee, and I agree to return all cards to you. I will still be responsible for paying all amounts I owe even after my account is closed. Law That Applies. This agreement is governed by Idaho law. CARDHOLDER AGREEMENT AND DISCLOSURE Account Number XXXXXX - XX.