Common use of Overdraft Liability Clause in Contracts

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's payment of item with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge a fee for an insufficient funds item whether paid or returned as set forth in the Rate Addendum and Schedule of Fees and Charges. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay is contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check or item and execute other transactions on your account in any order we choose. The order in which we process checks and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date. You also agree not to deposit checks or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all of

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's payment of item midnight deadline with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and conditions governing your account. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay is contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account a form of overdraft protection that is available to all members in good standing, which includes, but not limited to: standing holding a share draft account. Only one (1) share draft account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date. You also agree not to deposit checks or other items before they are properly payable. The Credit Union is under no obligation to , unless you to pay a check drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all ofORDERS

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's payment of item midnight deadline with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges. .” Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay is contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date, unless you notify the Credit Union of the postdating. Your notice will be effective only if the Credit Union receives the notice in time for the Credit Union to notify its employees and reasonably act upon the notice. You must accurately describe the check, including the number, date, and amount. You understand that the exact information is necessary for the Credit Union's computer to identify the check. If you give the Credit Union an incorrect, incomplete, or untimely notice, the Credit Union will not be responsible for paying the item before the date stated and the Credit Union may charge your account as of the date the Credit Union pays the item. You may make an oral notice, which will lapse within fourteen (14) days, unless continued in writing, within that time. A written notice will be effective for twelve (12) months. A written notice may be renewed in writing from time to time. You also agree not to deposit checks checks, drafts, or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check or draft drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must may request a stop payment by telephone, by mail, fax or in writingperson. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all ofof your rights against the payee or other holders of the check to the Credit Union, and to assist the Credit Union in legal action taken against the person.

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's payment of item with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge a fee for an insufficient funds item whether paid or returned as set forth in the Rate Addendum Addendum, Truth in Savings Disclosures and Schedule of Fees and Charges. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay is contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order How Transactions are Posted to Your Account. There are two types of Paymentstransactions that affect your account: credits (deposits of money into your account) and debits (payments out of your account). Checks, drafts, items and other transactions may not be processed in the order It is important to understand how each is applied to your account so that you make them or in the order that know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. Credits. Deposits are generally added to your account when we receive them. We mayHowever, at our discretion, pay in some cases when you deposit a check or item and execute other transactions on your account in any order we choose. The order in which we process checks and execute other transactions on your account may affect draft, the total full amount of overdraft fees that the deposit may not be charged available to your accountyou at the time of deposit. Please contact us if you have questions about how we pay checks refer to the Funds Availability Policy Disclosure for details regarding the timing and process transfers and withdrawalsavailability of funds from deposits. Postdated and Stale dated ItemsDebits. You authorize us to accept and pay any check, even if the check is There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment before its date. You also agree not to deposit checks or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, dateby merchants, and number we are not necessarily in control of when transactions are received. Understanding Your Account Balance. Your share draft account has two kinds of balances: the check actual balance and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all ofavailable balance.

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's payment of item with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge a fee for an insufficient funds item whether paid or returned as set forth in the Rate Addendum and Schedule of Fees and Charges. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay is contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order How Transactions are Posted to Your Account. There are two types of Paymentstransactions that affect your account: credits (deposits of money into your account) and debits (payments out of your account). Checks, drafts, items and other transactions may not be processed in the order It is important to understand how each is applied to your account so that you make them or in the order that know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. Credits. Deposits are generally added to your account when we receive them. We mayHowever, at our discretion, pay in some cases when you deposit a check or item and execute other transactions on your account in any order we choose. The order in which we process checks and execute other transactions on your account may affect draft, the total full amount of overdraft fees that the deposit may not be charged available to your accountyou at the time of deposit. Please contact us if you have questions about how we pay checks refer to the Funds Availability Policy Disclosure for details regarding the timing and process transfers and withdrawalsavailability of funds from deposits. Postdated and Stale dated ItemsDebits. You authorize us to accept and pay any check, even if the check is There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment before its date. You also agree not to deposit checks or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, dateby merchants, and number we are not necessarily in control of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all ofwhen transactions are received.

Overdraft Liability. If on any day, the available funds Available Balance in your checking account are Checking Account is not sufficient to cover checks and checks, Debit Card transactions, fees or other items posted to your account, those checks and items amounts will be handled in accordance with our overdraft procedures or an overdraft protection plan source you may have with us. The Credit Union's ’s determination of an insufficient account balance Available Balance may be made at the Credit Union’s sole discretion any time between presentation and the Credit Union's payment of item ’s midnight deadline with only one review of the account required. The Credit Union has no duty We are not required to notify you of an insufficient funds itemif your Checking Account does not have a sufficient Available Balance to cover checks, fees or other posted items. The Credit Union may charge Whether the item is paid as a courtesy or returned, your account will be subject to a fee for an insufficient funds item whether paid or returned as set forth in the Rate Addendum and Schedule of Fees and ChargesFee Schedule. Except as otherwise agreed to in writing, the Credit Unionwe, by covering one or any overdraft, does do not agree to cover overdrafts in the future and future. We may discontinue covering overdrafts at any timetime without notice. If the Credit Union pays an item we pay a check or impose a fee that would otherwise overdraw your account, you agree to pay the overdraft overdrawn amount and any assessed fees immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Qualifications for Overdraft Protection (Courtesy Pay)PLEASE NOTE THAT YOU MAY STILL OVERDRAW YOUR ACCOUNT EVEN THOUGH THE ACCOUNT BALANCE APPEARS TO SHOW THERE IS A SUFFICIENT AVAILABLE BALANCE TO COVER A TRANSACTION YOU WANT TO MAKE. You must opt-Your Available Balance does not reflect your outstanding checks, automatic bill payments, or any other outstanding transactions that have not been paid from your account. These items will not be reflected in by separate agreement for Courtesy Payyour Available Balance until presented to us and paid from your account. Courtesy Pay is contingent Holds on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order of Payments. Checks, drafts, items and other transactions deposits may not be processed reflected, as described in our Funds Availability Disclosure. In addition, your Available Balance may not reflect all of your pending Debit Card or ATM card transactions. For example, if a merchant obtains an authorization but does not submit the order that you make them or in Debit Card transaction for payment within three (3) business days after the order that authorization is given, we receive them. We may, at our discretion, pay a check or item and execute other transactions on may increase your account in any order we choose. The order in which we process checks and execute other transactions on your account may affect Available Balance by the total amount of overdraft fees that may be charged authorization. This means your Available Balance will no longer reflect the pending transaction until the transaction has been received by us and posted to your account. Please contact us if you have questions about Although clearing times for Debit Card transactions range from 0-5 days, merchants choose the system by which they process their transactions and how we pay checks and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us frequently they do so (often a decision based on the lowest cost to accept and pay any check, even if the check is presented for payment before its date. You also agree not to deposit checks or other items before they are properly payablethem). The Credit Union is under has no control over how and when transactions are presented to us to be paid. Even though we may increase your Available Balance when a merchant does not submit the transaction for payment within 3 business days, the obligation to you to pay a check drawn the merchant still applies. The time period for authorizations may be different for certain types of merchants. NOTE: Holds placed on your account balance for pending Debit Card/electronic transactions, including gasoline, hotels, car rentals, etc., may reduce your Available Balance for an amount that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask vary from the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the accountactual purchase amount, date, and number of the check and its exact amount. If you give the Credit Union incorrect which may or incomplete information, the Credit Union will may not be responsible presented for failing payment. These same holds also reduce the Available Balance for subsequent purchases. Failing to stop payment on the item. If the stop payment order is not received in time account for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit outstanding items may cause your account after paying a check over a valid to become overdrawn and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all offees assessed.

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's payment of item midnight deadline with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges. .” Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay is contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. STOP PAYMENT ORDERS Postdated and Stale dated Dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date, unless you notify the Credit Union of the postdating. Your notice will be effective only if the Credit Union receives the notice in time for the Credit Union to notify its employees and reasonably act upon the notice. You must accurately describe the check, including the number, date, and amount. You understand that the exact information is necessary for the Credit Union's computer to identify the check. If you give the Credit Union an incorrect, incomplete, or untimely notice, the Credit Union will not be responsible for paying the item before the date stated and the Credit Union may charge your account as of the date the Credit Union pays the item. You may make an oral notice, which will lapse within fourteen (14) days, unless continued in writing, within that time. A written notice will be effective for twelve (12) months. A written notice may be renewed in writing from time to time. You also agree not to deposit checks checks, drafts, or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check or draft drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all of.

Overdraft Liability. If on any day, the available funds in your checking account accounts are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's payment of item deadline with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge a fee for an insufficient funds item whether paid or returned as set forth in the Rate Addendum and Schedule of Fees and ChargesFee Schedule. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay is contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check check, or item and execute other transactions on your account in any order we choosecheck order. The order in which we process checks and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks and or process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date. You also agree not to deposit checks or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must may request a stop payment by telephone, mail, fax, in writingperson or online. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the account number of the account, date, and number of the check and its exact amountnumber. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all ofof your rights against the payee or other holders of the check to the Credit Union, and to assist the Credit Union in legal action taken against the person.

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's payment of item with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge a fee fee, per presentment, for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” If an item is returned because the available balance in your account is not sufficient to cover the item and the item is presented for payment again, we will charge an insufficient funds fee each time we return the item because it exceeds the available balance in your account. Except as otherwise agreed to in writingIf, on representment of the item, the Credit Unionavailable balance in your account is sufficient to cover the item we may pay the item, by covering one or any and, if payment causes an overdraft, does not charge an overdraft fee for each presentment. You understand and agree that a merchant or other entity may make multiple attempts to cover overdrafts in the future submit a returned item for payment. Consequently, because we may How Transactions are Posted to Your Account. There are two types of transactions that affect your account: credits (deposits of money into your account) and may discontinue covering overdrafts debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. If the Credit Union pays an item that would otherwise overdraw This section explains generally how and when we post transactions to your account, you agree . Credits. Deposits are generally added to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay is contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that when we receive them. We mayHowever, at our discretion, pay in some cases when you deposit a check or item and execute other transactions on your account in any order we choose. The order in which we process checks and execute other transactions on your account may affect draft, the total full amount of overdraft fees that the deposit may not be charged available to your accountyou at the time of deposit. Please contact us if you have questions about how we pay checks refer to the Funds Availability Policy Disclosure for details regarding the timing and process transfers and withdrawalsavailability of funds from deposits. Postdated and Stale dated ItemsDebits. You authorize us to accept and pay any check, even if the check is There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment before its date. You also agree not to deposit checks or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, dateby merchants, and number we are not necessarily in control of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all ofwhen transactions are received.

Overdraft Liability. If on any day, the available funds in your checking account Checking Account are not sufficient suf- ficient to cover checks and checks, Debit Card transactions, fees or other items posted to your account, those checks and items amounts will be handled in accordance with our overdraft procedures or an overdraft protection plan source you may have with us. The Credit Union's ’s determination of an insufficient account balance available funds may be made at the Credit Union’s sole discretion any time between presentation and the Credit Union's payment of item ’s midnight deadline with only one review of the account required. The Credit Union has no duty We are not required to notify you of an insufficient if your Checking Account does not have available funds itemto cover checks, fees or other posted items. The Credit Union may charge Whether the item is paid as a courtesy or returned, your account will be subject to a fee for an insufficient funds item whether paid or returned as set forth in the Rate Addendum and Schedule of Fees and Charges. Except as otherwise agreed to in writing, the Credit Unionwe, by covering one or any overdraft, does do not agree to cover overdrafts in the future and future. We may discontinue covering overdrafts at any timetime without notice. If the Credit Union pays an item we pay a check or impose a fee that would otherwise overdraw your account, you agree to pay the overdraft overdrawn amount and any assessed fees immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. : Courtesy Pay is contingent on defined as an automatic discretionary interest-free check paying overdraft service. Qualifying accounts will be mailed notification with a description of program parameters; in addition to said parameters an “opt-in” signature is required from you, our member, for one (1) time debit transactions and all transactions made at a proprietary or foreign ATM per Regulation. Partner Colorado will not pay your Credit Union consumer checking account being open courtesy pay/overdrafts for at least sixty (60) days ATM withdrawals and thereafter you maintain the account in good standing, which includes, but not limited to: Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that debit card purchases you make them at a store, online or in the order by telephone, unless you tell us you want courtesy pay/overdraft coverage for these transactions; “opt-in.” Even if you do not request courtesy pay/overdraft coverage for ATM withdrawals and debit card purchases, we may still pay your courtesy pay/overdrafts for other types of transactions, including checks. Having courtesy pay/overdraft coverage does not guarantee that we receive themwill pay your overdrafts. If we decide to pay any overdraft, you will be charged fees as described in our Fee Schedule. We may, at our discretion, pay a check or item and execute other transactions on your account in any order we choose. The order in which we process checks and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date. You also agree not to deposit checks or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of person if we choose to pay an overdraft. Qualifying criteria is based on internal quality controls. Partner Colorado reserves the itemright to make changes to or terminate this program at any time without further notice. If we re-credit your account Courtesy pay will be enacted only after paying a check over a valid and timely stop payment orderall other overdraft options per our record have been exhausted. Checking accounts will be “drawn negative” to pay checks, you agree to sign a statement describing the dispute with the payee, to transfer transactions only after all ofother overdraft measures have been

Overdraft Liability. If you maintain your checking ac- count in good standing and are not in default or delinquent on any Qualstar account, we may honor and pay items and transactions that will overdraw your account and create a negative balance. You may opt out of the service at any time by oral request or in writing, but you are responsible for any overdrawn and negative balances, including any fees, at the time of opting out. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an any optional overdraft protection plan you may have with us. Your Available Balance is based on your Current Balance less holds placed on deposits, debit card or electronic transactions which have been authorized but are pending and have not yet posted to your account. and any other holds placed on funds in your account such as but not limited to holds related to pledges of account funds or to comply with court orders or other legal processes. The Credit Union's ’s determination of an insufficient account balance may be made at any time between presentation of an item (or receipt or posting of an EFT, Online, or Mobile Banking transaction, or ACH, or Debit Card transaction) and the Credit Union's payment of item ’s midnight deadline with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may Your account will then be subject to a charge a fee for an insufficient funds the item whether if paid or returned as set forth in the Rate Addendum and Schedule of Fees and ChargesFee Schedule. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraftone, does not agree to cover overdrafts items in the future and may discontinue covering overdrafts items at any time. If the Credit Union pays an item that would otherwise oth- erwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay is contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay including giving a check or item and execute other transactions on your account in payor bank extra time beyond any order we choose. The order in which we process checks and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date. You also agree not to deposit checks or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check and its exact amountmidnight deadline limits. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment orderincur an overdraft, you agree to sign pay the entire overdraft amount plus charges and costs of collection. Costs of collection include, but are not limited to, reasonable attorney’s fees, and collection agency fees. In the event of your default, you agree and understand that the Credit Union may retain the services of a statement describing the dispute with the payeecollection agency and pay such agency a fee calculated on an amount of such fee will be our actual cost of collection, exclusive of any court costs and you agree to transfer all ofpay these amounts.

Overdraft Liability. If on any day, the available funds in your checking account Checking Account are not sufficient to cover checks and checks, Debit Card transactions, fees or other items posted to your account, those checks and items amounts will be handled in accordance with our overdraft procedures proce- dures or an overdraft protection plan source you may have with us. The Credit Union's determination ’s determina- tion of an insufficient account balance available funds may be made at the Credit Union’s sole discretion any time between presentation and the Credit Union's payment of item ’s midnight deadline with only one review of the account required. The Credit Union has no duty We are not required to notify you of an insufficient if your Checking Account does not have available funds itemto cover checks, fees or other posted items. The Credit Union may charge Whether the item is paid as a courtesy or returned, your account will be subject to a fee for an insufficient funds item whether paid or returned as set forth in the Rate Addendum and Schedule of Fees and Charges. Except as otherwise agreed to in writing, the Credit Unionwe, by covering one or any overdraft, does do not agree to cover overdrafts in the future and future. We may discontinue covering cover- ing overdrafts at any timetime without notice. If the Credit Union pays an item we pay a check or impose a fee that would otherwise overdraw your account, you agree to pay the overdraft overdrawn amount and any assessed fees immediately. We reserve the right to pursue collection of previously dishonored dis- honored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Qualifications for Overdraft Protection (Courtesy Pay)Your Available Balance does not reflect your outstanding checks, automatic bill pay- ments, or any other outstanding transactions that have not been paid from your account. You must opt-These items will not be reflected in by separate agreement for Courtesy Payyour Available Balance until presented to us and paid from your account. Courtesy Pay is contingent Holds on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order of Payments. Checks, drafts, items and other transactions deposits may not be processed reflected, as described in our Funds Availability Policy. In addition, your Available Balance may not reflect all of your pending debit card or ATM card transactions. For example, if a merchant obtains an authorization but does not submit the order that you make them or in debit card transaction for payment within three (3) business days after the order that authorization is given, we receive them. We may, at our discretion, pay a check or item and execute other transactions on may increase your account in any order we choose. The order in which we process checks and execute other transactions on your account may affect Available Balance by the total amount of overdraft fees that may be charged authorization. This means your Available Balance will no longer reflect the pending transaction until the transaction has been received by us and posted to your account. Please contact us if you have questions about Although clearing times for debit card transactions range from 0-5 days, merchants choose the system by which they process their transactions and how we pay checks and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us frequently they do so (often a decision based on the lowest cost to accept and pay any check, even if the check is presented for payment before its date. You also agree not to deposit checks or other items before they are properly payablethem). The Credit Union is under has no control over how and when transactions are presented to us to be paid. Even though we may increase your Available Balance when a merchant does not submit the transaction for payment within 3 business days, the obligation to you to pay a check drawn the merchant still applies. The time period for authorizations may be different for certain types of merchants. NOTE: Holds placed on your account balance for pending debit card/electronic transactions, includ- ing gasoline, hotels, car rentals, etc., may reduce your available balance for an amount that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask vary from the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the accountactual purchase amount, date, and number of the check and its exact amount. If you give the Credit Union incorrect which may or incomplete information, the Credit Union will may not be responsible presented for failing payment. These same holds also reduce the available funds for subsequent purchases. Failing to stop payment on the item. If the stop payment order is not received in time account for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit outstanding items may cause your account after paying a check over a valid to become overdrawn and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all offees assessed.

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's payment of item midnight deadline with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges. .” Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay is contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date, unless you notify the Credit Union of the postdating. Your notice will be effective only if the Credit Union receives the notice in time for the Credit Union to notify its employees and reasonably act upon the notice. You must accurately describe the check, including the number, date, and amount. You understand that the exact information is necessary for the Credit Union's computer to identify the check. If you give the Credit Union an incorrect, incomplete, or untimely notice, the Credit Union will not be responsible for paying the item before the date stated and the Credit Union may charge your account as of the date the Credit Union pays the item. You may make an oral notice, which will lapse within fourteen (14) days, unless continued in writing, within that time. A written notice will be effective for twelve (12) months. A written notice may be renewed in writing from time to time. You also agree not to deposit checks checks, drafts, or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check or draft drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-re- credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all ofof your rights against the payee or other holders of the check to the Credit Union, and to assist the Credit Union in legal action taken against the person.

Overdraft Liability. If on any day, the available funds in your checking account accounts are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's payment of item deadline with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge a fee for an insufficient funds item whether paid or returned as set forth in the Rate Addendum and Schedule of Fees and ChargesFee Schedule. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree How Transactions are Posted to pay the overdraft amount immediatelyYour Account. We reserve the right There are two types of transactions that affect your account: credits (deposits of money into your account) and debits (payments out of your account). It is important to pursue collection of previously dishonored items understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. Qualifications for Overdraft Protection (Courtesy Pay)This section explains generally how and when we post transactions to your account. You must opt-in by separate agreement for Courtesy PayCredits. Courtesy Pay is contingent on Deposits are generally added to your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that when we receive them. We mayHowever, at our discretion, pay in some cases when you deposit a check or item and execute other transactions on your account in any order we choose. The order in which we process checks and execute other transactions on your account may affect draft, the total full amount of overdraft fees that the deposit may not be charged available to your accountyou at the time of deposit. Please contact us if you have questions about how we pay checks refer to the Funds Availability Policy Disclosure for details regarding the timing and process transfers and withdrawalsavailability of funds from deposits. Postdated and Stale dated ItemsDebits. You authorize us to accept and pay any check, even if the check is There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment before its date. You also agree not to deposit checks or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, dateby merchants, and number we are not necessarily in control of when transactions are received. Understanding Your Account Balance. Your share draft account has two kinds of balances: the check actual balance and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all ofavailable balance.

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's payment of item with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and conditions governing your account. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay Privilege Is a form of overdraft protection that is contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account available to all members in good standing, which includes, but not limited to: standing holding a share draft account. Only one (1) share draft account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date, the Credit Union will not be responsible for paying the item before the date stated and the Credit Union may charge your account as of the date the Credit Union pays the item. You also agree not to deposit checks checks, drafts, or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check or draft drawn on your account that is presented more than six (6) months after its date. CHECK DRAFTS, EFT, ACH AND OTHER PAYMENTS MADE BY YOU, MAY BE PRESENTED MULTIPLE TIMES. YOU AGREE THAT MULTIPLE ATTEMPTS MAY BE MADE TO SUBMIT A RETURNED ITEM FOR PAYMENT AND THAT MULTIPLE FEES MAY BE CHARGED TO YOU AS A RESULT OF A RETURNED ITEM AND RESUBMISSION. THE CREDIT UNION DOES NOT HAVE A LIMIT ON HOW MANY TIMES ITEMS MAY BE PRESENTED OR HOW MANY FEES MAY BE CHARGED STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must may request a stop payment by telephone, by mail, fax or in writingperson. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all ofof your rights against the payee or other holders of the check to the Credit Union, and to assist the Credit Union in legal action taken against the person.

Overdraft Liability. You agree to the following terms and conditions of the Overdraft Privilege Disclosure and applicable Consent and Opt-out forms that govern overdraft transfers with the Credit Union. If on any day, the available funds in your checking account are not sufficient to cover checks and other items (ACH or debit card transactions) posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's payment terms of item with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge a fee for an insufficient funds item whether paid or returned as set forth in the Rate Addendum and Schedule of Fees and Charges. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any timethis Agreement. If the Credit Union pays an item we pay a check or items that would otherwise overdraw overdraws your account, you are liable for and agree to pay the overdraft amount and an insufficient (NSF) fee or Overdraft Privilege fee immediately. If we do not pay the check or item we will return it unpaid and you agree to pay a return item fee. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payer bank extra time beyond any midnight deadline limits. Qualifications The Credit Union’s determination of an insufficient account balance may be made at any time the check or item is presented to us, which may be later during the day than the time you conduct the transaction. Overdrafts will be determined based on the available balance in your account at the time of presentment. Your available balance may be lower than your actual balance due to funds held for Overdraft Protection (Courtesy Pay)debit card transactions you have authorized and deposited checks held pursuant to our funds availability policy. You must opt-in by separate agreement for Courtesy Paycan view your available balance through online services, mobile services or ATMs to avoid an overdraft. Courtesy Pay is contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order of Payments. Checks, drafts, items and other transactions Transactions may not be processed presented in the order that you make them or in which they occurred and the order that we receive them. We may, at our discretion, pay a check or item and execute other transactions on your account in any order we choose. The order in which we process checks or items are received and execute other transactions on your account processed may affect the total amount of if an overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date. You also agree not to deposit checks or other items before they are properly payableoccurs. The Credit Union is under no obligation to you to pay a check drawn on your account that is presented more than six processes checks and items as follows: (61) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask Checks are paid in the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the chronological order in time for the Credit Union to act upon the order they are received. (2) ACH items, credits are processed first and you state the number of the account, date, and number of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute ACH debits processed second with the payee, to transfer all oflowest items paid first. (3) Debit card transactions are paid in the chronological order they are received.

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks checks, draft and other items posted to your account, those checks checks, drafts and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's payment of item midnight deadline with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may will charge a non-sufficient funds (NSF) fee for an insufficient funds item whether per item, paid and or returned unpaid as set forth in the Rate Addendum and Schedule of Fees and Charges. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payer bank extra time beyond any midnight deadline limits. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay is contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Understanding Your Account Balance. Your Checking account has two kinds of balances: the actual balance and the available balance. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date, unless you notify the Credit Union of the postdating. Your notice will be effective only if the Credit Union receives the notice in time for the Credit Union to notify its employees and reasonably act upon the notice. You must accurately describe the check, including the number, date, and amount. You understand that the exact information is necessary for the Credit Union's computer to identify the check. If you give the Credit Union an incorrect, incomplete, or untimely notice, the Credit Union will not be responsible for paying the item before the date stated and the Credit Union may charge your account as of the date the Credit Union pays the item. You may make an oral notice, which will lapse within fourteen (14) days, unless continued in writing, within that time. A written notice will be effective for twelve (12) months. A written notice may be renewed in writing from time to time. You also agree not to deposit checks checks, drafts, or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check or draft drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check or draft drawn upon your checking account. You must may request a stop payment by telephone, by mail, fax or in writingperson. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check or draft and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all ofof your rights against the payee or other holders of the check or draft to the Credit Union, and to assist the Credit Union in legal action taken against the person.