Common use of OVERDRAFT PROTECTION Clause in Contracts

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.

OVERDRAFT PROTECTION. If I wish ATB Financial may provide you with overdraft protection for the Account to a maximum amount approved by ATB Financial (“Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any timeATB Financial may, at in its sole discretion, on and without prior notice to me. Once terminatedyou, Overdraft Protection is no longer available to me. I can use reduce or increase the Overdraft Protection Limit. At any time and without prior notice, ATB Financial may reduce or terminate overdraft protection and refuse to honour any cheques or items that would overdraw or further overdraw the Account even if there are not enough funds in my account(s) ATB Financial has previously permitted you to cover a overdraw the Account. Should ATB Financial honour any cheque or other debit item I have authorized or a withdrawal I have made up to that would overdraw your Account beyond the approved Overdraft Limit. I , the balance may access not remain in excess of the Overdraft Protection by writing cheques or by Limit for more than thirty (30) calendar days. Overdraft interest, at a rate specified on the Rate and Fee Schedule, will be calculated (but not compounded) daily. ATB Financial may change the overdraft interest rate without prior notice to you. ATB Financial’s determination of the overdraft interest rate at any other debit transaction I initiate all of which shall time will be considered an advance or loan to meabsolutely binding on you. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached interest, upon becoming overdue, will constitute a payment on the Overdraft Protection be treated as principal and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union bear compound interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate overdraft interest rate. You agree to repay to ATB Financial the overdraft within sixty (60) calendar days of overdrawing the Account. Provided the overdraft, together with any interest charged by and fees, has been repaid within the 60-calendar day period, you from time to time for Overdraft Protection and may again overdraw the Account. ATB Financial may demand payment at any Overdraft Protection charges established by the Credit Union from time to time. If not paidUpon demand, the Credit Union may advance on the Overdraft Protection to pay such interest. I you agree to pay the full amount overdrawn, together with interest owing on and any applicable fees. You will notify ATB Financial immediately of any adverse change in your financial circumstances. Upon request, you agree to provide ATB Financial with security to secure the Overdraft Protection including interest Upon Demand overdraft and as collateral for overdraft repayment. You acknowledge that the terms and conditions of the security agreement will impose additional obligations upon you and you agree to abide by the Credit Unionterms and conditions set out in the security agreement. If I default on paymentAt your written notice, I agree ATB Financial will terminate all overdraft protection as soon as reasonably practical to do so. Termination will not relieve you of your obligation to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit full amount overdrawn, together with interest on such overdraft at the interest rate charged by you from time to time owing and any overdraft charges established by the Credit Union from time applicable fees to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalATB Financial.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with “Overdraft Protection” allows us to transfer funds from your Account and prevent overdrafts on a registered PNC Bank, National Association checking account. If I you enroll, or have been approved for enrolled, in Overdraft Protection with my accountProtection, I can borrow the following terms apply to your Account. When you enroll in Overdraft Protection, it will take up to the limit set by the Credit Union twelve (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s12) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and days for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interestbe activated. I agree You authorize us to pay the amount owing on the make Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved advances (“Overdraft Protection Limit or if there is no Advances”) from your Account as provided in this Agreement and any separate Overdraft Protection on my terms and conditions that were provided to you that apply to your checking account I promise to pay upon your request any amounts if a checking account that overdraw my account(s)(“an overdraft”) which you registered when enrolling in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthlybecomes overdrawn. Any Overdraft Protection Advance will be processed and will post as a cash advance to your Account. You will be charged a cash advance fee for each Overdraft Protection Advance. In addition to any cash advance fee and finance charges that are assessed to your Account for an Overdraft Protection Advance, separate fees may be assessed to your designated checking account(s) for accessing Overdraft Protection (see the fee schedule for your checking account(s) for specific fee information). We may cancel Overdraft Protection privileges under the Account even if the Account remains open for other transactions. Overdraft Protection privileges will be automatically cancelled if the Account is subject closed by either you or us at any time. Overdraft Protection may be suspended if your Account is in default as defined in this Agreement. If your right to use the Account has been cancelled or suspended, or if you are in default under the terms of this Agreement, and we refuse to make an Overdraft Protection Advance, we may, in our sole discretion, (i) not pay any checks, items or entries that would cause an overdraft with respect to the applicable lending policy on qualification checking account or (ii) pay any checks, items or entries and approvalpermit an overdraft with respect to the applicable checking account. In either case, certain checking account fees may apply (see the fee schedule for your checking account(s) for specific fee information). An Overdraft Protection Advance will be made only once per day for each designated checking account. Overdraft Protection Advances to your checking account from the Account are processed after the close of business Monday through Friday. Overdraft Protection Advances will be made for a minimum amount as detailed in the Overdraft Protection terms and conditions that were provided to you that apply to your checking account; amounts over the minimum amount will be rounded up to the next whole dollar.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated paymentProtection. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with the member is enrolled in Overdraft Protection, the provisions of this Section G will apply: 1. If I have been approved for Overdraft Protection with my account, I can borrow up to The maximum amount by which the limit member may overdraw the account will initially be set by the Servus Credit Union (the “Overdraft Limit”) and may be increased with the member’s approval or the approval of any other person liable for the account as described in Section C.12. Servus Credit Union may decrease the overdraft limit at any time and for any reason. 2. Servus Credit Union may debit the account in the amount of any cheque or withdrawal, or other item drawn on the account, and interest, as provided in this Section G. Servus Credit Union may refuse to pay any cheque, withdrawal or any other item drawn on the account if the outstanding debit balance of the account exceeds, or would after payment of such cheque, withdrawal or other item, exceed the overdraft limit on the date such cheque, withdrawal or other item is presented to Servus Credit Union for payment. 3. The member will pay on demand all amounts which overdraw the account and will pay interest, both before and after demand, on all amounts which overdraw the account, calculated from the date each amount is debited to the account until the date of payment at a rate and on terms that Servus Credit Union may from time to time establish. The rate and terms may be obtained at any branch of Servus Credit Union and the current rate, along with the overdraft limit, will be shown on the member’s Statement of Account. Interest shall be calculated daily but is payable monthly both before and after demand, default, and judgment. Overdue interest shall be compounded monthly. 4. In addition to interest payable under Section G.3., the member agrees to pay to Servus Credit Union any costs of administration that relate to transactions that overdraw or increase the amount overdrawn on the account (the “Transaction Fee”) as well as those costs that relate to maintaining the overdraft limit (the “Standby Fee”). The transaction fees and standby fees may change from time to time and the current transaction fee and standby fee may be ascertained from Servus Credit Union. The transaction fees and standby fees may be debited to the account and any such fees charged will be reflected on the Statement of Account pertaining to the account. 5. The member hereby pledges to Servus Credit Union all deposits and shares which the member now or may have in Servus Credit Union, the proceeds of which may, upon default of the member’s obligations with respect to overdraft, be applied by Servus Credit Union to any overdraft amounts due and owing. This pledge is in addition to any other rights of or security held by Servus Credit Union regarding the member’s overdraft obligations. 6. Either the member or Servus Credit Union may change the Limit or terminate end the Overdraft Protection at any time, at its sole discretion, on time by providing notice to methe other in accordance with J.16. Once terminated, but ending Overdraft Protection is will have no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment impact on the Overdraft Protection and member’s obligation to repay the overdraft amount owing. In addition, if (a) the member fails to make any payment in accordance with this agreement or otherwise breaches this agreement, (b) the member dies, (c) the member becomes subject to or takes advantage of any law relating to bankruptcy or insolvency or for the purposes relief of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay debtors, or (d) upon attachment, execution or levy against the Credit Union interest on all amounts advanced up to member or the Limit from the date of the advancemember’s property, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the then Servus Credit Union may advance on immediately and without notice to the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary member cease to pay any such overdraft. The Overdraft Protection rate cheques which overdraw the account or increase an overdraft in the account, and any overdraft rate, if different, is posted at the option of Servus Credit Union Union, any outstanding debit balance in the account shall, without limiting any other rights of Servus Credit Union, become immediately due and identified in statements payable without notice or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvaldemand.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized written or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved you choose to use your Account for Overdraft Protection with my accountcoverage, I can borrow up you agree that Cash Advances will be automatically made from your credit card Account to the limit set by the Credit Union your designated Synovus Bank Deposit Account (the “LimitDeposit Account”) on occasions when the amount of the Deposit Account debits authorized by authorized party(ies) are in excess of the balance available in the Deposit Account. These debits may be checks or drafts written by authorized party(ies), automatic withdrawals by authorized party(ies), check card transactions made by authorized party(ies); or any other debits authorized or originated by authorized party(ies). Each such cash advance (an “Overdraft Advance”) must be repaid as a part of your total indebtedness under this Agreement with all applicable Finance Charges and fees as described in the Summary of Terms. The Credit Union Limit applicable to your credit card Account from time to time pursuant to this Agreement will not be increased or expanded because of Overdraft Advances. By participating in the Overdraft Protection coverage, you acknowledge and agree to the following: (i) the privileges attached to this Overdraft Protection coverage are contingent upon you maintaining and properly handling both the Deposit Account and the credit card Account; (ii) the Overdraft Protection will immediately terminate upon the closing of either the credit card Account or the Deposit Account for any reason; (iii) we may change review the Limit Account involved in this Agreement and, upon a finding of any misuse, fraudulent behavior, or violation of the terms of this Agreement, we may withdraw any Overdraft Protection coverage or suspend your use of the Card or other credit extended under your Account; (iv) it is possible that an Overdraft Advance may result in creating a credit card Account balance in excess of your approved Credit Limit, or exceeding the available credit under any lower limit you may assign to your credit card Account (which also applies to Overdraft Advances), which may cause Purchase or Cash Advance transactions with your Card to be declined. However, we are not obligated to make such Overdraft Advances that would exceed your Credit Limit; and (v) we reserve the right to process, under normal return procedures, any check or debit items which would create an excess balance or any other situation in violation of this or any other agreement between us and you. You acknowledge that you can choose to terminate the Overdraft Protection coverage on your credit card at any time, time by calling us at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment number on the Overdraft Protection back of your Card and following the procedures for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date cancellation of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalcoverage.

OVERDRAFT PROTECTION. To the extent authorized by law, you hereby authorize us to transfer funds from other accounts you maintain at this credit union, in increments as the credit union may determine, to any account upon which you issue a share draft when there are not sufficient funds in the account upon which that draft is issued. If I wish you have a line of credit with this credit union, transfers will be made either from your credit line up to the available credit limit or from your Regular Share Account, if there are sufficient funds in the Regular Share Account. You may elect your preference as to which accounts funds may be transferred from for this purpose. Any overdraft transfers resulting from this procedure may result in a fee being assessed to your regular share account. You agree to hold the credit union harmless for any and all liability that may otherwise exist if a transfer does not occur. Overdraft Protection I understand I must apply Privilege Pay Information & Overdrafts. Overdraft Privilege Pay is a service of First Flight Federal Credit Union that allows us to pay an item presented against your checking account even if it causes the account to become overdrawn. Overdraft privilege is not a line of credit. However, if members inadvertently overdraw their accounts, First Flight Federal will have the discretion to pay the overdraft, subject to the limit of member’s overdraft privilege and be approved the amount of the overdraft fee. First Flight Federal Credit Union is not obligated to pay any item presented for it. Every payment if member’s account does not come with Overdraft Protectioncontain sufficient available funds. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set Any discretionary payment by the First Flight Federal Credit Union of an overdraft share draft (the “Limit”). The excluding ATM and VISA Check Card withdrawals/overdrafts and non-third party checks presented at a teller window) does not obligate First Flight Federal Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by pay any other debit transaction I initiate all overdraft share draft (or item), or to provide prior notice of which shall be considered an advance or loan its decision to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection refuse to pay such interestshare draft (or item). I agree to pay Only the amount owing on Member-Owner of the account is eligible for the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalPrivilege Pay Program.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer a service that automatically transfers funds to a qualifying deposit Account to cover an overdraft by one or more of the following methods: (i) transfer of funds from a designated Overdraft Line of Credit Account; (ii) transfer of funds from a designated checking, money market or statement savings Account; (iii) transfer of funds from a designated Overdraft Line of Credit Account first and if funds are not available, from a designated checking, money market or statement savings Account; or (iv) transfer of funds from a designated checking, money market or statement savings Account first and if funds are not available, from a designated Overdraft Line of Credit Account. When both a designated deposit Account and a designated Overdraft Line of Credit Account are linked, the balance in either Account must be sufficient to cover the overdraft in full before a transfer can be made. The balances in the different Accounts will not be combined to cover the overdraft. Overdraft Line of Credit Accounts are subject to qualification and the terms and conditions contained in the applicable credit agreement. Please refer to the Overdraft Line of Credit Agreement for more information. All fees applicable to your Overdraft Line of Credit Account are also contained in the agreement. Overdraft Protection may not be available to mecover an overdraft if you have exceeded your credit limit or available checking, money market or statement savings Account balance. I can use the If your Overdraft Protection is not available, you will be charged the applicable Paid Item Fees for Insufficient/Unavailable Funds as disclosed in the Service Fees section of the Accounts Disclosure. You will be charged a Paid Item Fee if we honor or pay an Item or transaction when you have a non-sufficient available balance but only if you were not previously charged a Returned Item Fee when the Item or transaction was previously returned, rejected, or declined. We have no obligation to notify you if we honor, pay, return or decline an Item or transaction for a non-sufficient available balance. If a check/debit or other Item is presented against your checking Account when there is an insufficient balance to pay the Item, funds will be automatically transferred from your designated Overdraft Protection option to the checking Account, in the amount needed to pay the overdraft amount. If there are not enough funds in my account(s) to cover a cheque pay the entire amount of the overdraft or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques has been terminated, blocked or by any other debit modified, your Items may be returned unpaid in accordance with your overdraft decision for the overdraft process. You will be charged a Paid Item Fee if we honor or pay the Item or transaction I initiate all of which shall when you have a non-sufficient available balance, unless you were previously charged a Returned Item Fee when the Item or transaction was previously returned, rejected, or declined. We have no obligation to notify you if we honor, pay, return or decline an Item or transaction for a non-sufficient available balance. Each transfer from a checking, statement savings or money market Account designated as Overdraft Protection may be considered an advance or loan subject to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on Transfer Fee as described in the Service Fees section of the Accounts Disclosure. The Bank reserves the right to return any overdraft that cannot be covered by an Overdraft Protection and transfer from your credit line or designated checking, money market, or statement savings Account. Each overdraft Item that cannot be covered by your designated Overdraft Protection option will be subject to the Bank’s current Paid Item Fee for Insufficient/Unavailable Funds in accordance with your overdraft decision for the purposes of The Personal Property Security Act shall constitute a debtor initiated paymentoverdraft process. I will We generally process and pay presented checks that you write from your Account in the Credit Union interest on all amounts advanced up to the Limit from order in which they are received by using the date and time of when the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to timetransaction was authorized. If multiple transactions have the same date and time, then they are posted in low to high dollar amount order. We may establish different processing orders for other transactions; therefore, transactions may not paidbe processed in the order in which they occurred, and the Credit Union order in which transactions are received and processed may advance on result in more Insufficient Funds Items and more Paid Item fees than other processing orders. You will not be charged more than one Overdraft Fee for any check or payment request, regardless of whether we are once again returning an Item that had been previously returned unpaid due to a non-sufficient available balance, or paying an Item when you have a non-sufficient available balance and we had previously returned, rejected, or declined the Overdraft Protection Item and had previously charged a Returned Item Fee for the Item. Set-off – If you have any debts due to us or amounts you owe us, then we reserve the right of set-off, or to use funds in your deposit Account to pay such interestany debts or amounts you owe us, even if withdrawal results in an interest penalty or dishonor of subsequent checks. I agree For joint Accounts, we may exercise our right against the entire balance to pay the amount owing on individual debts of any one owner of the Overdraft Protection including interest Upon Demand by Account. You and your joint Account owners agree that the Credit Unionbank may use the funds in your individual or joint Accounts to satisfy obligations of the joint Account. If I default on paymentyou are a sole proprietor, I agree to pay the charges applicable to Overdraft Protectionwe may charge any of your personal or business Accounts. If I overdraw your business is a partnership, we may also charge the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request personal Accounts of any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthlygeneral partner. Any Overdraft Protection garnishment or other levy against your Account(s) is subject to the Bank’s right of set-off and any security interest the bank may have. To the extent not prohibited by law, the Bank may exercise its right of set-off against any deposit regardless of its source, including deposit of Social Security, disability or other government benefits normally protected from creditor claims, and you expressly acknowledge and agree that such set-off is permissible and to waive your rights to such protection. This provision does not apply to IRA or tax-qualified retirement Accounts, to consumer credit card obligations, or where otherwise prohibited by law. Security Interest – You grant us a security interest in your Account for amounts owing to us under this Agreement by any owner. This provision does not apply to IRA or tax-qualified retirement Accounts, or where otherwise prohibited by law. Your checking and money market Accounts will be considered inactive if you have not made a physical deposit or withdrawal to or from the Account for one (1) year. Your savings Accounts will be considered inactive if you have not made a physical deposit or withdrawal to or from the Account for three (3) years. Automatic deposits and withdrawals are not considered to be a transaction performed by you. You may reinstate the status of your Account to active by making a deposit or withdrawal to the Account or by communicating in writing with us regarding your Account. All Accounts are subject to service charges described in the Fee Schedule, whether or not the Account is active. Most states have established rules and regulations regarding unclaimed property or escheatment (“Unclaimed Property”) for residents of those states. Your home state (“Home State”) for purposes of the Unclaimed Property rules is the state of your physical address on your Account. For example, if your address is 0000 Xxxx Xxxxxx xx Xxxxxxxx, New York, your home state is New York. If we have not received communication from you, or if there has not been any activity in your Account for the period of time established by the laws of your Home State, we are required by law to distribute the Account balance to the designated official in your Home State. This process is referred to as “escheatment.” Your Account is considered to have activity if you make at least one deposit or withdrawal annually, or you contact us. For purposes of the Unclaimed Property laws, Account activity must be active, i.e., you must perform a deposit or withdrawal; automatic deposits or withdrawals are not considered activity under the Unclaimed Property laws. Please refer to the Unclaimed Property laws of your state for more information. If your Account is approaching the designated timeframe to be escheated, we will mail you a notice at the address we have on file for you as required by law. We may make other efforts to provide notice to you, consistent with the laws of your Home State. If your Account funds are escheated, we may impose a fee as described in the Service Fees section of our Accounts Disclosures. Once the funds are escheated to the state, we are not liable to you for the funds, and any questions regarding the funds should be directed to the applicable lending policy on qualification and approvalstate Unclaimed Property office.

OVERDRAFT PROTECTION. Overdrafts will be handled in accordance with these overdraft protection procedures and any overdraft protection feature of a Logix credit card or line of credit agreement you have with us. If I wish you have an overdraft, then we will look first to your Logix Credit Card or ReadyLine of Credit for available credit to advance funds to cover the overdraft. If you do not have a Logix Credit Card or ReadyLine of Credit, or sufficient credit is not available on your Logix Credit Card or ReadyLine of Credit, then we will look to your Logix savings account for available funds to cover overdrafts. If you do not have sufficient funds in your savings account, then we may, subject to the conditions described below, pay the overdraft item on your behalf. This is known as the Logix Courtesy Pay program. You may establish a sequence different from that described above for the transfer of available funds to cover overdrafts by contacting us at 000-000-0000. We may but shall not be required to pay overdrafts by any of these means. All Overdraft Protection I understand I must apply advances from a Logix Credit Card or ReadyLine of Credit, and funds transfers from a Logix savings account, will be approved for itmade in $100 increments. Every Should your Logix Credit Card, ReadyLine of Credit or savings account does not come with Overdraft Protectioncontain the required $100 increment we will advance any available credit or transfer any available savings account funds (we may also advance/transfer funds from more than once source – i.e. advance funds from your Logix Credit Card and transfer funds from your Logix savings account to cover the item); however, if sufficient credit is not available, even when aggregating the funds available through all sources (i.e., your Logix Credit Card or ReadyLine of Credit and your Logix savings account), to cover the amount of the check, ACH payment, or other item, we will be unable to initiate the advance or transfer, and the check, ACH payment or other item may be returned unpaid. Advances from your savings account to cover overdrafts are limited to a maximum of six (6) per calendar month (including preauthorized electronic funds transfers and transfers initiated via our Telephone Banking or Online Banking services). Refer to the Savings Accounts - “Transaction Limitations” section of this Agreement and Disclosure. If I have been approved for we advance funds from your Logix Credit Card or ReadyLine of Credit or we transfer funds from your Logix savings account to cover an overdraft, then we will assess an Overdraft Protection with my Transfer Fee and charge this fee to your Logix checking account, I can borrow up . Refer to our current Schedule of Service Charges and Fees for information on how this fee is assessed and the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate amount of the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalTransfer Fee.

OVERDRAFT PROTECTION. If I wish ATB Financial may provide you with overdraft protection for the Account to a maximum amount approved by ATB Financial (“Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any timeATB Financial may, at in its sole discretion, on and without prior notice to me. Once terminatedyou, Overdraft Protection is no longer available to me. I can use reduce or increase the Overdraft Protection Limit. At any time and without prior notice, ATB Financial may reduce or terminate overdraft protection and refuse to honor any cheques or items that would overdraw or further overdraw the Account even if there are not enough funds in my account(s) ATB Financial has previously permitted you to cover a overdraw the Account. Should ATB Financial honor any cheque or other debit item I have authorized or a withdrawal I have made up that would overdraw your Account beyond the approved overdraft limit, the balance may not remain in excess of the overdraft limit for more than 30 consecutive days. Overdraft interest, at an annual rate of 19.25%, will be calculated (but not compounded) daily. ATB Financial may change the overdraft interest rate without prior notice to you. ATB Financial's determination of the overdraft interest rate at any time will be absolutely binding on you. All interest, upon becoming overdue, will be treated as principal and will bear compound interest at the overdraft interest rate. You agree to make monthly payments to ATB Financial at the end of each month in an amount equal to at least the interest accrued at the end of each month during that month. Interest will be posted to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate end of each month. Any payment will be applied firstly against interest charged by you from time to time for Overdraft Protection and secondly against principal. In case of default, ATB Financial may allocate payment differently. ATB Financial may demand payment at any Overdraft Protection charges established by the Credit Union from time to time. If not paidUpon demand, the Credit Union may advance on the Overdraft Protection to pay such interest. I you agree to pay the full amount overdrawn, together with interest owing and any applicable fees. If more than one of you sign the Application and, or the Signature Card for the Account, then you agree that you shall be jointly and severally liable to ATB Financial for repayment of the full amount overdrawn, together with interest owing and any applicable fees. You will notify ATB Financial immediately of any adverse change in your financial circumstances. Upon request, you agree to provide ATB Financial with security to secure the overdraft and as collateral for overdraft repayment. You acknowledge that the terms of the security agreement will impose additional obligations on the Overdraft Protection including interest Upon Demand you and you agree to abide by the Credit Unionterms and conditions set out in the security agreement. If I default on paymentAt your written notice, I agree ATB Financial will terminate overdraft protection as soon as it is reasonably practical to do so. Termination will not relieve you of your obligation to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit full amount overdrawn, together with interest on such overdraft at the interest rate charged by you from time to time owing and any overdraft charges established by the Credit Union from time applicable fees to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalATB Financial.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act personal property security legislation shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an account(s) (“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.

OVERDRAFT PROTECTION. The Credit Union is under no obligation, unless it has contracted to the contrary, to pay a check you have written, or electronic fund transfer (Electronic Fund Transfer services are covered in Section VIII of this Agreement) if it would result in the account being overdrawn. However, the Credit Union may transfer an amount sufficient to cover a checking account deficiency caused by a check presented for payment, a preauthorized debit or Card transaction presented against your account. To the extent permitted by law, you authorize us to transfer funds from your Regular Share account to your checking account to cover any overdraft. Transfers will be made from your Regular Share account, or, if you have designated, other account(s) or Line-of-Credit loan(s), provided you have enough funds and/or available credit. If I wish Overdraft Protection I understand I must apply available to you, we may then transfer from Courtesy Pay. Refer to our Fee Schedule for the fee applicable to such transfers. You agree to hold us harmless from any and be approved for it. Every account all liability which might otherwise exist if a transfer does not come occur. in accordance with Overdraft Protection. the terms and conditions of the Line-of-Credit loan agreement If I you have been approved for an Overdraft Protection with my accountLine-of-Credit, I can borrow up or other Line- of-Credit, and elected for overdraft protection from such accounts, the Credit Union may pay the check, preauthorized debit, or Card transaction and add the amount of the resulting overdraft, and applicable fee, to the limit set balance of your Line-of-Credit loan Subject to applicable law, the Credit Union may pay checks or other items drawn upon your checking account (including those payable to the Credit Union or on which the Credit Union may be liable) in any order determined by the Credit Union, even if paying a particular check or other item results in an insufficient balance in your checking account to pay one or more other items that otherwise could have been paid out of your checking account. The Credit Union (has the “Limit”)option of honoring a check, preauthorized debit, or Card transaction when your Checking account has non-sufficient funds or may dishonor it, solely at our discretion. Honoring of past overdrafts does not obligate the Credit Union to honor them in the future. The Credit Union may change pay the Limit check, preauthorized debit, or terminate Card transaction and charge the Overdraft Protection at amount of the resulting overdraft plus any time, at its sole discretion, on notice applicable fee (refer to meour Fee Schedule) against any account(s). Once terminated, Overdraft Protection is no longer available You agree to me. I can use the Overdraft Protection if there are not enough deposit sufficient funds in my account(s) to cover the amount of the overdraft and fee. Failure to cover any resulting deficiency balance within thirty (30) days of the date that your account first becomes negative will result in account privilege restrictions. If this is a cheque joint account (that is, if two or other debit item I have authorized or a withdrawal I have made up more people are parties to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate this account), all of which shall be considered an advance or loan the account owners are jointly and severally liable to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay repay the Credit Union interest the amount of any overdraft and fees, regardless of which of the parties creates an overdraft. When determining whether a check or other item drawn on all amounts advanced up your checking account would, if paid, create an overdraft, both for the purpose of determining whether and how to pay the item and whether a fee related to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paiditem being an overdraft may be charged, the Credit Union may advance will use the “Available Balance” for your checking account at the time the item is presented. The Available Balance is the balance shown on the Overdraft Protection to pay such interest. I agree to pay our books (“Ledger Balance”) reduced by (i) the amount owing on of any holds in place with respect to deposited checks or other items, (ii) the Overdraft Protection including interest Upon Demand amount in the account that is subject to any preauthorization requests related to the account that have been accepted by the Credit Union. If I default , (iii) amounts in the account that are subject to holds based on paymentcourt, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit tax agency, or if there is no Overdraft Protection on my account I promise to pay upon your request any other governmental proceedings, and (iv) amounts that overdraw my account(s)(“an overdraft”) which you in we believe are subject to a dispute over ownership or other rights. Examples of preauthorization requests are holds related to purchase or service related transactions, including transactions where the final amount is initially unknown, such as gas station purchases, restaurant charges, and hotel or car reservations, but there are other types of preauthorization requests that could affect your absolute discretion account as well. Note that the use of the Available Balance for these purposes may permit together with interest on such cause a fee related to an overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may be charged, or a line of credit advance or transfer from another account to be made, even though your periodic statement may not reflect any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at time when the Credit Union and identified in balance (periodic statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvaluse Ledger Balances) would be negative.

OVERDRAFT PROTECTION. If I wish Account overdrafts will be handled in accordance with these Overdraft Protection I understand I must apply procedures and be approved for it. Every account does not come with any overdraft protection feature of a Logix Credit Card or ReadyLine of Credit that provides Overdraft Protection. If I you have been approved for an account overdraft, then we will look first to your Logix Credit Card (Overdraft Protection transfers from your Logix Credit Card are Cash Advances) or ReadyLine of Credit for available credit to advance funds to cover the overdraft. If you do not have a Logix Credit Card or ReadyLine of Credit or other line of credit with my us, or if sufficient credit is not available on your Logix Credit Card or ReadyLine of Credit, then we will look to your Logix savings account for available funds to cover overdrafts. If you do not have sufficient funds in your savings account, I can borrow up then we may, subject to the limit set conditions described below, pay the overdraft item on your behalf. This is known as the Logix Courtesy Pay Program. You may establish a sequence different from that described above for the transfer of available funds to cover overdrafts by contacting us at 800-328-5328. We may but shall not be required to pay overdrafts by any of these means. All Overdraft Protection advances from a Logix Credit Card or ReadyLine of Credit, and funds transfers from a Logix savings account, will be made in $100 increments. Should your Logix Credit Card, ReadyLine of Credit or savings account not contain the required $100 increment we will advance any available credit or transfer any available savings account funds (we may also advance/transfer funds from more than one source – i.e. advance funds from your Logix Credit Union Card and transfer funds from your Logix savings account to cover the item); however, if sufficient credit is not available, even when aggregating the funds available through all sources (i.e., your Logix Credit Card or ReadyLine of Credit and your Logix savings account), to cover the “Limit”amount of the check, ACH payment, or other item, we will be unable to initiate the advance or transfer, and the check, ACH payment or other item may be returned unpaid. Overdraft Protection advances and transfers from your credit and savings accounts are made only from the credit and savings accounts maintained on the same membership account number in which the related checking account overdraft occurs, and are initiated in the following hierarchical sequence order (if you do not have one of the listed accounts we will look to the next stated account in sequence): (a) your oldest/earliest established Logix Credit Card; (b) your ReadyLine of Credit; (c) your main savings and other savings account(s); and, (d) your newest/latest established Logix Credit Card. The Credit Union Advances and transfers may occur from multiple credit and savings accounts in order to cover the checking account overdraft. You can change the Limit hierarchical sequence order of your Overdraft Protection advances and funds transfers by calling us at 0- 000-000-0000. If we advance funds from your Logix Credit Card or terminate ReadyLine of Credit or we transfer funds from your Logix savings account to cover an overdraft, then we will assess an Overdraft Protection Transfer Fee and charge this fee to your Logix checking account. Note that no Overdraft Protection Transfer Fee will apply to overdrafts arising from a transaction that was authorized with a sufficient available balance, even if the available balance is insufficient at the time of the transaction posting. Refer to our current Schedule of Service Charges and Fees for information on how this fee is assessed and the amount of the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalTransfer Fee.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized writtenauthorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.

OVERDRAFT PROTECTION. If I wish ATB Financial may provide you with overdraft protection for the Account to a maximum amount approved by ATB Financial (“Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any timeATB Financial may, at in its sole discretion, on and without prior notice to me. Once terminatedyou, Overdraft Protection is no longer available to me. I can use reduce or increase the Overdraft Protection Limit. At any time and without prior notice, ATB Financial may reduce or terminate overdraft protection and refuse to honour any cheques or items that would overdraw or further overdraw the Account even if there are not enough funds in my account(s) ATB Financial has previously permitted you to cover a overdraw the Account. Should ATB Financial honour any cheque or other debit item I have authorized or a withdrawal I have made up to that would overdraw your Account beyond the approved Overdraft Limit. I , the balance may access not remain in excess of the Overdraft Protection by writing cheques or by Limit for more than 30 days. Overdraft interest, at a rate specified on the Rate and Fee Schedule, will be calculated (but not compounded) daily. ATB Financial may change the overdraft interest rate without prior notice to you. ATB Financial’s determination of the overdraft interest rate at any other debit transaction I initiate all of which shall time will be considered an advance or loan to meabsolutely binding on you. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached interest, upon becoming overdue, will constitute a payment on the Overdraft Protection be treated as principal and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union bear compound interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate overdraft interest rate. You agree to repay to ATB Financial the overdraft within 60 days of overdrawing the Account. Provided the overdraft, together with any interest charged by and fees, has been repaid within the 60-day period, you from time to time for Overdraft Protection and may again overdraw the Account. ATB Financial may demand payment at any Overdraft Protection charges established by the Credit Union from time to time. If not paidUpon demand, the Credit Union may advance on the Overdraft Protection to pay such interest. I you agree to pay the full amount overdrawn, together with interest owing on and any applicable fees. You will notify ATB Financial immediately of any adverse change in your financial circum- stances. Upon request, you agree to provide ATB Financial with security to secure the Overdraft Protection including interest Upon Demand overdraft and as collateral for overdraft repayment. You acknowledge that the terms and conditions of the security agreement will impose additional obligations upon you and you agree to abide by the Credit Unionterms and conditions set out in the security agreement. If I default on paymentAt your written notice, I agree ATB Financial will terminate all overdraft protection as soon as reasonably practical to do so. Termination will not relieve you of your obligation to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit full amount overdrawn, together with interest on such overdraft at the interest rate charged by you from time to time owing and any overdraft charges established by the Credit Union from time applicable fees to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalATB Financial.

OVERDRAFT PROTECTION. If I wish you have requested and we have approved Overdraft Protection I understand I must from the account for a Checking Account maintained with CEFCU (“Checking Account”), and provided your account is in good standing, you may draw on the account by making an overdraft transfer from the account to the Checking Account in accordance with the CEFCU Business Deposit Account Agreement. In addition, your account will be charged an Overdraft Transfer Fee for each transfer as set forth in this agreement. All funds will be transferred in increments of $100 and the full amount of the transfer will be treated as a Cash Advance and will be subject to the terms of this agreement that apply to Cash Advances. You acknowledge and agree that we may refuse an overdraft transfer from the account if the full amount of the transfer and the Overdraft Transfer Fee would exceed the credit limit of the account. You further acknowledge and agree that anyone who is authorized to make withdrawals from the checking account may access your account through Overdraft Protection and that person will be approved an authorized person. Mail, Telephone, Internet or Other Card-Not-Present Purchases If a cardholder incurs an obligation on the cardholder’s account without presentation of the Card (such as for itmail or internet orders, telephone or mobile Purchases), your obligation to us will be the same as if the Card was used. Every Authorized Persons(s) If you designate an individual as being authorized to open the account does not come and/or the cardholder account(s), that person will be an authorized person. An authorized person may request that we open individual cardholder accounts under the account and request issuance of a Card to each cardholder. You will remain responsible for the use of the account and each Card issued on the account according to the terms of this agreement. This includes your responsibility for paying all obligations reflecting Purchases and Cash Advances charged to the account and/or the cardholder account by a cardholder. Issuance of Cards; Cardholder Accounts You or an authorized person may request that we issue a Card to one or more cardholders. A cardholder’s account and Card may only be used by the cardholder in whose name it has been opened or issued. We will establish a separate account for each Card that contains your name and the name of the cardholder. Card Cancelation/Revocation or Suspension of Use You or an authorized person may cancel a cardholder’s account and Card for any reason by providing us with Overdraft Protectionwritten notice of cancelation of that account and Card. You will be liable to us for all obligations, howsoever and by whomsoever incurred, resulting from the use of the cardholder’s account or Card from the time you or the authorized person provides written notice of cancelation to us of the cardholder’s Card until the cardholder’s Card is surrendered to us or the time you have given us written notice that the Card has been destroyed. If I have been approved the obligations outstanding in a cardholder’s account exceeds the cardholder’s credit limit or exceeds the aggregate credit limit for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection all cardholder accounts at any time, at its sole discretion, on notice we may suspend the cardholder’s right to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up cardholder’s account and Card and all services we provide to the Limitcardholder under this agreement until such time as that excess is paid to us in full. I We may access revoke or suspend a cardholder’s right to use the Overdraft Protection by writing cheques cardholder’s account and Card at any time without notice. The cardholder must also surrender the Card to you or by any other debit transaction I initiate to us at your (or our) request. Credit Limits And Not Exceeding The Credit Limits We will set an aggregate credit limit for all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection cardholder accounts established under this agreement and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you we may change it from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to timewithout notice. If you consistently make late payments or no payments, we may reduce the aggregate credit limit for all cardholder accounts. We will tell you what the initial aggregate credit limit is at or before the time the account is opened. You agree not paidto incur any obligations in excess of the aggregate credit limit authorized by us for the account and for all cardholder accounts established under this agreement. However, we may (but are not required to, even if we have done so before) permit the Credit Union may advance on obligation to exceed the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union aggregate credit limit we set from time to time. You may ask for an aggregate credit limit increase by calling toll-free: 0.000.000.0000, ext. 37065 or 309.633.7065. You may request a separate credit limit for each cardholder account and Card issued under this agreement. We will set the credit limit for each Card and cardholder’s account in an amount not to exceed the credit limit requested by you and we may change the credit limit for a cardholder’s account periodically. The credit limit will be indicated in a separate disclosure document and/or on the cardmailer accompanying the cardholder’s Card and/or on the monthly statement. You will ensure that each cardholder observes their credit limit. You agree that no cardholder will incur any obligations in excess of the credit limit of the cardholder’s account authorized for the cardholder by us. However, we may (but are not required to, even if we have done so before) permit the obligation to exceed that credit limit we set from time to time. If the cardholder exceeds the credit limit on the cardholder’s account, you may be charged an Overlimit Fee. If the cardholder exceeds the credit limit, we may: (a) require the immediate payment of the amount in excess of the credit limit; (b) charge the account without waiving our right to demand immediate payment of the amount in excess of the credit limit; (c) refuse to permit any Purchases or Cash Advances in excess of the credit limit; and (d) reverse any Purchases or Cash Advances in excess of the credit limit as a result of the fault of the merchant or person selling the goods or services. You may ask for a credit limit increase on a cardholder’s account by calling toll free: 0.000.000.0000, ext. 37065 or 309.633.7065. This agreement applies to any balance over the credit limits. Subject to applicable law and at our discretion, we may increase, reduce or cancel the credit limits or allow you and/or the cardholders to exceed the credit limits without giving notice to you or the cardholders. However, if you have asked us not to do so, we will not increase the credit limits. A change in the credit limits will not affect your obligation to pay us. We reserve the right to refuse to honor any use of the Card or Convenience Checks which would result in exceeding the credit limits. Payments do not automatically adjust the available credit limits. This generally occurs within one to three business days following receipt of your or the cardholder’s payment, depending on how payment is made. Transactions In Foreign Currency If a cardholder uses the Card for transactions in a currency other than U.S. Dollars, the transactions will be converted by Mastercard® to U.S. Dollars, using either (1) a rate selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard itself receives or (2) the government-mandated rate in effect for the applicable central processing date. The currency conversion rate for the applicable central processing date may differ from the rate in effect at the time of the transaction or on the date the transaction is posted to your account. If a credit is subsequently given for a transaction and has a different central processing date, then the exchange rate of the credit may be greater or less than that of the original transaction. You agree to accept the converted amount in U.S. Dollars. In addition, if you use your Card and PIN to obtain a Cash Advance at an ATM that involves a multi-national or worldwide automated teller machine network switch and involves a currency other than U.S. Dollars, the transaction will be converted to U.S. Dollars, generally using either (1) a government-mandated rate, or (2) a wholesale market rate in effect the day before the transaction processing date. The currency conversion rate used on the processing date may differ from the rate in effect at the time of the transaction or on the date the transaction is posted to your account. Refusal To Authorize Transactions We may, but are not required to, decline a transaction on the account and/or cardholder’s account because of operational considerations, because the account and/or a cardholder’s account is in default under this agreement, to protect against potential fraudulent or unlawful activity, circumstances that suggest fraud, authorization facilities are not functioning or in our discretion, for any other reason.‌ Should a transaction on the account and/or cardholder’s account be declined either by us or a third party, even if you have sufficient credit available, we will not be responsible for any losses that may result. For online transactions, if fraud is suspected, you or a cardholder might be asked to call the phone number on the back of the Card to confirm the transaction. Loss, Theft Or Unauthorized Use If you are an organization with ten (10) or more employees and we have issued ten (10) or more Cards on the account for use by cardholders, you agree that: (i) all transactions conducted by one of your owners, by the cardholder or a person authorized by the cardholder or any person with an interest in or authority to transact business on the account will conclusively be deemed to be an authorized transaction; and, (ii) you will be liable for any unauthorized use of a Card or the account before you give written notification to us if we reasonably determine, based on substantial evidence, that the cardholder was grossly negligent in the handling of the account or Card. You will inform us immediately by telephone and in writing about any actual or suspected loss, theft or unauthorized use of a Card, account number, PIN or Convenience Check. Notify us in writing at CEFCU, P.O. Box 1715, Peoria, Illinois 00000-0000 and by phone at 0.000.000.0000, of the loss, theft or possible unauthorized use. You agree that we will consider that all transactions have been authorized by you until you advise us otherwise. After notification to us, you will not be liable for unauthorized use of the Card. Otherwise, if you are an organization with fewer than 10 employees or if we have issued fewer than 10 Cards to cardholders, if a Card is lost or stolen, you will not be liable for unauthorized use of the Card. However, you must identify for us the unauthorized charges from which you received no benefit. We may ask for your and/or the cardholder’s assistance with our investigation by providing us information in writing to help us find out what happened. Keep Your PIN Confidential You and each cardholder agree to keep the PIN confidential and separate from the Card at all times. Ownership Of Card You agree that the Card remains the property of CEFCU and will be surrendered to CEFCU on demand; and, that you do not have the right to assign or transfer from your rights and obligations under this agreement, the account, cardholder account(s) or any of my accounts including Card to anyone else. Observing The Card’s Expiration Date If the Card contains an expiration date, you and each cardholder agree not to use it or any joint account Convenience Checks after such funds as expiration date. If they are necessary used, you agree to pay any such overdraftdebts that are incurred. ATMs The Overdraft Protection rate availability of ATM services and the Cash Advance amount a cardholder can withdraw each day may vary from time to time and without prior notice to you. We are not liable if ATM services are not available or for any overdraft rate, if different, is posted at the Credit Union and identified in statements loss or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvaldamage you may suffer because of a cardholder’s use of an ATM.

OVERDRAFT PROTECTION. If I wish This is an optional service you can add to your checking account by linking up to three (3) eligible accounts to serve as overdraft protection. We will use available funds in your linked account(s) to authorize or pay your transactions if you don’t have enough money in your checking account. A single Overdraft Protection I understand I must apply and Transfer Fee will be approved assessed each time a transfer/advance is made regardless of the number of transactions covered or whether money is transferred/advanced from multiple accounts. The fee for itan overdraft transfer is set forth in the Business Fee Schedule. Every Transfers from a deposit account does will be governed by this Agreement. Transfers from a loan account will be governed by the applicable loan agreement. We will not come with Overdraft Protectionassess a fee unless the transfer/advance helped you avoid at least one overdraft or returned item. If I have been approved for Overdraft Protection with my you link multiple accounts, you may tell us the order in which you would like the funds transferred/advanced from. If you do not specify an order, we will first transfer funds from your linked savings account, I can borrow up to the limit set by . you authorize the Credit Union (to transfer funds from the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my eligible account(s) designated by you ("Transfer Account") to cover a cheque the overdrawn account. Transfers will be performed in accordance with your written transfer instructions, our overdraft procedures, or other debit item I agreements you have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by with the Credit Union. If I default on payment, I agree Transfers from a loan account will be governed by the applicable loan agreement. Funds in your Transfer Account(s) will be transferred to pay your overdrawn account in increments of $100 to cover the charges applicable to Overdraft ProtectionNSF transaction. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you balance in your absolute discretion may permit together with interest on such overdraft at Transfer Account is $100 or less, the interest rate charged by entire balance in the Transfer Account will be transferred. If the first Transfer Account does not have a sufficient balance to cover the overdraft, the balance in that Transfer Account will be transferred and the remaining amount needed to cover the transaction will be transferred from the next Transfer Account(s) in an order you from time to time and any overdraft charges established by the Credit Union from time to timehave designated. You may designate up to three qualified transaction accounts to serve as overdraft protection. You understand that your use of your checking account and transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification Credit Union's Membership Agreement and approvalother account service charges may apply.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer a service that automatically transfers funds to a qualifying deposit Account to cover an overdraft by one or more of the following methods: (i) transfer of funds from a designated Overdraft Line of Credit Account; (ii) transfer of funds from a designated checking, money market or statement savings Account; (iii) transfer of funds from a designated Overdraft Line of Credit Account first and if funds are not available, from a designated checking, money market or statement savings Account; or (iv) transfer of funds from a designated checking, money market or statement savings Account first and if funds are not available, from a designated Overdraft Line of Credit Account. When both a designated deposit Account and a designated Overdraft Line of Credit Account are linked, the balance in either Account must be sufficient to cover the overdraft in full before a transfer can be made. The balances in the different Accounts will not be combined to cover the overdraft. Overdraft Line of Credit Accounts are subject to qualification and the terms and conditions contained in the applicable credit agreement, please refer to the Overdraft Line of Credit Agreement for more information. All fees applicable to your Overdraft Line of Credit Account are also contained in the agreement. Overdraft Protection may not be available to mecover an overdraft if you have exceeded your credit limit or available checking, money market or statement savings Account balance. I can use the If your Overdraft Protection is not available, you will be charged the applicable Paid Item or Return Item fees for Insufficient/Unavailable Funds as disclosed in the Service Fees section of the Accounts Disclosure. You will be charged a Returned Item Fee each time we return unpaid for a non-sufficient available balance an item that is presented for payment, even if that item has previously been presented and returned for a non-sufficient available balance and you were previously charged a Returned Item Fee for that return. Further, you will be charged a Paid Item Fee if we honor or pay the item or transaction when you have a non-sufficient available balance even if you were previously charged Returned Item Fees when the item or transaction was previously returned, rejected, or declined. We have no obligation to notify you if we honor, pay, return or decline an item or transaction for a non-sufficient available balance. If a check/debit or other item (“item”) is presented against your checking Account when there is an insufficient balance to cover the item, funds will be automatically transferred from your designated Overdraft Protection option to the checking Account, in the amount needed to cover the overdraft amount. If there are not enough funds in my account(s) to cover a cheque the entire amount of the overdraft or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques has been terminated, blocked or by any other debit modified, your items may be returned unpaid and a Returned Item fee charged in accordance with your overdraft decision for the overdraft process. You will be charged a Returned Item Fee each time we return unpaid for a non-sufficient available balance an item that is presented for payment, even if that item has previously been presented and returned for a non-sufficient available balance and you were previously charged a Returned Item Fee for that return. Further, you will be charged a Paid Item Fee if we honor or pay the item or transaction I initiate all of which shall be considered when you have a non-sufficient available balance even if you were previously charged Returned Item Fees when the item or transaction was previously returned, rejected, or declined. We have no obligation to notify you if we honor, pay, return or decline an advance item or loan to metransaction for a non-sufficient available balance. All deposits Each transfer from a checking, statement savings or credits to my account or a linked deposit account to which the money market Account designated as Overdraft Protection is attached will constitute may be subject to the Sweep Transaction Fee as described in the Service Fees section of the Accounts Disclosure. The Bank reserves the right to return any overdraft that cannot be covered by a payment on the Sweep Transaction (Overdraft Protection and transfer) from your credit line or designated checking, money market, or statement savings Account. Each overdraft item that cannot be covered by your designated Sweep Transaction (Overdraft Protection transfer) option will be subject to the Bank’s current Paid Item or Returned Item fee for Insufficient/Unavailable Funds in accordance with your overdraft decision for the purposes of The Personal Property Security Act shall constitute a debtor initiated paymentoverdraft process. I will We generally process and pay presented checks that you write from your Account in the Credit Union interest on all amounts advanced up to the Limit from order in which they are received by using the date and time of when the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to timetransaction was authorized. If multiple transactions have the same date and time, then they are posted in low to high dollar amount order. We may establish different processing orders for other transactions; therefore, transactions may not paidbe processed in the order in which they occurred and the order in which transactions are received and processed may result in more insufficient fund items and more Paid Item and/or Returned Item fees than other processing orders. if withdrawal results in an interest penalty or dishonor of subsequent checks. For joint Accounts, we may exercise our right against the Credit Union may advance on the Overdraft Protection to pay such interest. I agree entire balance to pay the amount owing on individual debts of any one owner of the Overdraft Protection including interest Upon Demand by Account. You and your joint Account owners agree that the Credit UnionBank may use the funds in your individual or joint Accounts to satisfy obligations of the joint Account. If I default on paymentyou are a sole proprietor, I agree to pay the charges applicable to Overdraft Protectionwe may charge any of your personal or business Accounts. If I overdraw your business is a partnership, we may also charge the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request personal Accounts of any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthlygeneral partner. Any Overdraft Protection garnishment or other levy against your Account(s) is subject to the Bank’s right of setoff and any security interest the Bank may have. To the extent not prohibited by law, the Bank may exercise its right of setoff against any deposit regardless of its source, including deposit of social security, disability or other government benefits normally protected from creditor claims, and you expressly acknowledge and agree that such setoff is permissible and to waive your rights to such protection. This provision does not apply to IRA or tax-qualified retirement Accounts, to consumer credit card obligations, or where otherwise prohibited by law. Your checking and money market Accounts will be considered inactive if you have not made a physical deposit or withdrawal to or from the Account for one (1) year. Your savings Accounts will be considered inactive if you have not made a physical deposit or withdrawal to or from the Account for three (3) years. Automatic deposits and withdrawals are not considered to be a transaction performed by you. You may reinstate the status of your Account to active by making a deposit or withdrawal to the Account or by communicating in writing with us regarding your Account. All Accounts are subject to service charges described in the list of Service Fees whether or not the Account is active. Most states have established rules and regulations regarding unclaimed property or escheatment (“Unclaimed Property”) for residents of those states. Your home state (“Home State”) for purposes of the Unclaimed Property rules is the state of your physical address on your Account. For example, if your address is 0000 Xxxx Xxxxxx xx Xxxxxxxx, New York, your home state is New York. If we have not received communication from you, or, if there has not been any activity in your Account for the period of time established by the laws of your Home State, we are required by law to distribute the Account balance to the designated official in your Home State. This process is referred to as “escheatment”. Your Account is considered to have activity if you make at least one deposit or withdrawal annually, or, you contact us. For purposes of the Unclaimed Property laws, Account activity must be active, i.e. you must perform a deposit or withdrawal; automatic deposits or withdrawals are not considered activity under the Unclaimed Property laws. Please refer to the unclaimed property laws of your state for more information. If your Account is approaching the designated time frame to be escheated, we will mail you a notice at the address we have on file for you as required by law. We may make other efforts to provide notice to you, consistent with the laws of your Home State. If your Account funds are escheated, we may impose a fee as described in the Service Fees section of our Accounts Disclosures. Once the funds are escheated to the state, we are not liable to you for the funds and any questions regarding the funds should be directed to the applicable lending policy on qualification and approvalstate Unclaimed Property office.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval. 5.

OVERDRAFT PROTECTION. If I wish ATB Financial may provide you with overdraft protection for the Account to a maximum amount approved by ATB Financial (“Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any timeATB Financial may, at in its sole discretion, on and without prior notice to me. Once terminatedyou, Overdraft Protection is no longer available to me. I can use reduce or increase the Overdraft Protection Limit. At any time and without prior notice, ATB Financial may reduce or terminate overdraft protection and refuse to honour any cheques or items that would overdraw or further overdraw the Account even if there are not enough funds in my account(s) ATB Financial has previously permitted you to cover a overdraw the Account. Should ATB Financial honour any cheque or other debit item I have authorized or a withdrawal I have made up to that would overdraw your Account beyond the approved Overdraft Limit. I , the balance may access not remain in excess of the Overdraft Protection by writing cheques or by Limit for more than thirty (30) calendar days. Overdraft interest, at a rate specified on the Rate and Fee Schedule, will be calculated (but not compounded) daily. ATB Financial may change the overdraft interest rate without prior notice to you. ATB Financial’s determination of the overdraft interest rate at any other debit transaction I initiate all of which shall time will be considered an advance or loan to meabsolutely binding on you. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached interest, upon becoming overdue, will constitute a payment on the Overdraft Protection be treated as principal and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union bear compound interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate overdraft interest rate. You agree to repay to ATB Financial the overdraft within s i x t y ( 60) calendar days of overdrawing the Account. Provided the overdraft, together with any interest charged by and fees, has been repaid within the 60-calendar day period, you from time to time for Overdraft Protection and may again overdraw the Account. ATB Financial may demand payment at any Overdraft Protection charges established by the Credit Union from time to time. If not paidUpon demand, the Credit Union may advance on the Overdraft Protection to pay such interest. I you agree to pay the full amount overdrawn, together with interest owing on and any applicable fees. You will notify ATB Financial immediately of any adverse change in your financial circum- stances. Upon request, you agree to provide ATB Financial with security to secure the Overdraft Protection including interest Upon Demand overdraft and as collateral for overdraft repayment. You acknowledge that the terms and conditions of the security agreement will impose additional obligations upon you and you agree to abide by the Credit Unionterms and conditions set out in the security agreement. If I default on paymentAt your written notice, I agree ATB Financial will terminate all overdraft protection as soon as reasonably practical to do so. Termination will not relieve you of your obligation to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit full amount overdrawn, together with interest on such overdraft at the interest rate charged by you from time to time owing and any overdraft charges established by the Credit Union from time applicable fees to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalATB Financial.

OVERDRAFT PROTECTION. If I wish ATB Financial may provide you with overdraft protection for the Account to a maximum amount approved by ATB Financial (“Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union ATB Financial may, in its sole discre- tion, and without prior notice to you, reduce or increase the Overdraft Limit. At any time and without prior notice, ATB Financial may reduce or terminate overdraft protection and refuse to honour any cheques or items that would overdraw or further overdraw the Account even if ATB Financial has previously permitted you to overdraw the Account. Should ATB Financial honour any cheque or item that would overdraw your Account beyond the approved Overdraft Limit, the balance may not remain in excess of the Overdraft Limit for more than 30 days. Overdraft interest, at a rate specified on the Rate and Fee Schedule, will be calculated (but not compounded) daily. ATB Financial may change the Limit or terminate overdraft interest rate without prior notice to you. ATB Financial’s determination of the Overdraft Protection overdraft interest rate at any time will be absolutely binding on you. All interest, upon becoming overdue, will be treated as principal and will bear compound interest at the overdraft interest rate. You agree to repay to ATB Financial the overdraft within 60 days of overdrawing the Account. Provided the overdraft, together with any interest and fees, has been repaid within the 60-day period, you may again overdraw the Account. ATB Financial may demand payment at any time. Upon demand, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the full amount overdrawn, together with interest owing on and any applicable fees. You will notify ATB Financial immediately of any adverse change in your financial circum- stances. Upon request, you agree to provide ATB Financial with security to secure the Overdraft Protection including interest Upon Demand overdraft and as collateral for overdraft repayment. You acknowledge that the terms and conditions of the security agreement will impose additional obligations upon you and you agree to abide by the Credit Unionterms and conditions set out in the security agreement. If I default on paymentAt your written notice, I agree ATB Financial will terminate all overdraft protection as soon as reasonably practical to do so. Termination will not relieve you of your obligation to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit full amount overdrawn, together with interest on such overdraft at the interest rate charged by you from time to time owing and any overdraft charges established by the Credit Union from time applicable fees to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalATB Financial.

OVERDRAFT PROTECTION. Overdrawing your account can be costly. If I wish Overdraft Protection I understand I must apply you occasionally have trouble tracking your balance and be approved for it. Every account does not come with have ever overdrawn your account, you may want to consider Overdraft Protection. If I have been approved for You must affirmatively consent to enroll in Overdraft Protection. Your Overdraft Protection with my accountlimit (limit) is based on certain qualifications such as having regular, I can borrow up to the limit set by the Credit Union (the “Limit”)recurring monthly deposits. The Credit Union Bank periodically reviews accounts for appropriate limits. You will be notified of the effective date, limit, or change to your limit. Transactions may change not be processed in the Limit order in which they occurred and the order may affect the total number of fees incurred. Each overdraft paid or terminate returned is subject to a fee ($25), not to exceed five overdraft fees per day ($125), and will be deducted from your available Overdraft Protection limit. Every withdrawal, check, ATM withdrawal or any other electronic transaction, on an overdrawn account will be charged an overdraft fee. Overdraft fees will not be assessed if the end of day balance is overdrawn by less than $5. Overdraft items in excess of your limit may be paid or returned at the Bank’s discretion and assessed a fee. Even if Overdraft Protection is available, this does not guarantee all items that overdraw the account will be paid. Overdraft Protection will be suspended from your account if you fail to bring your account to a positive balance within 30 days of the first overdraft for at least 1 business day. Overdraft Protection will be suspended if 10 or more items are returned in a statement cycle. A suspension is defined as the removal of an Overdraft limit until the account is returned to a positive balance and the account must remain positive for 5 days.For more information about overdrafts or returned items and the associated fees, or for further information about CNB’s account management options, visit your nearest City National Bank branch or contact the Overdraft Protection department by phone at any time0-000-000-0000 or by mail at City National Bank, at its sole discretion, on notice to me. Once terminated, Attention: Overdraft Protection Department, XX Xxx 0000, Xxxxxx, XX 00000. Additional information is no longer also available to me. I can use in the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to Disclosure Booklet and the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalConsumer Deposit Accounts Brochure.

OVERDRAFT PROTECTION. If I wish ATB Financial may provide you with overdraft protection for the Account to a maximum amount approved by ATB Financial (“Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union ATB Financial may, in its sole discre- tion, and without prior notice to you, reduce or increase the Overdraft Limit. At any time and without prior notice, ATB Financial may reduce or terminate overdraft protection and refuse to honour any cheques or items that would overdraw or further overdraw the Account even if ATB Financial has previously permitted you to overdraw the Account. Should ATB Financial honour any cheque or item that would overdraw your Account beyond the approved Overdraft Limit, the balance may not remain in excess of the Overdraft Limit for more than 30 days. Overdraft interest, at a rate specified on the Rate and Fee Schedule, will be calculated (but not compounded) daily. ATB Financial may change the Limit or terminate overdraft interest rate without prior notice to you. ATB Financial’s determination of the Overdraft Protection overdraft interest rate at any time will be absolutely binding on you. All interest, upon becoming overdue, will be treated as principal and will bear compound interest at the overdraft interest rate. You agree to repay to ATB Financial the overdraft within 60 days of overdrawing the Account. Provided the overdraft, together with any interest and fees, has been repaid with- in the 60-day period, you may again overdraw the Account. ATB Financial may demand payment at any time. Upon demand, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the full amount overdrawn, together with interest owing on and any applicable fees. You will notify ATB Financial immediately of any adverse change in your financial circum- stances. Upon request, you agree to provide ATB Financial with security to secure the Overdraft Protection including interest Upon Demand overdraft and as collateral for overdraft repayment. You acknowledge that the terms and conditions of the security agreement will impose additional obligations upon you and you agree to abide by the Credit Unionterms and conditions set out in the security agreement. If I default on paymentAt your written notice, I agree ATB Financial will terminate all overdraft protection as soon as reasonably practical to do so. Termination will not relieve you of your obligation to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit full amount overdrawn, together with interest on such overdraft at the interest rate charged by you from time to time owing and any overdraft charges established by the Credit Union from time applicable fees to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalATB Financial.”

OVERDRAFT PROTECTION. Overdrafts will be handled in accordance with these overdraft protection procedures and any overdraft protection feature of a Logix credit card or line of credit agreement you have with us. If I wish you have an overdraft, then we will look first to your Logix Credit Card or ReadyLine of Credit for available credit to advance funds to cover the overdraft. If you do not have a Logix Credit Card or ReadyLine of Credit, or sufficient credit is not available on your Logix Credit Card or ReadyLine of Credit, then we will look to your Logix savings account for available funds to cover overdrafts. If you do not have sufficient funds in your savings account, then we may, subject to the conditions described below, pay the overdraft item on your behalf. This is known as the Logix Courtesy Pay program. You may establish a sequence different from that described above for the transfer of available funds to cover overdrafts by contacting us at 000-000-0000. We may but shall not be required to pay overdrafts by any of these means. All Overdraft Protection I understand I must apply advances from a Logix Credit Card or ReadyLine of Credit, and funds transfers from a Logix savings account, will be approved for itmade in $100 increments. Every Should your Logix Credit Card, ReadyLine of Credit or savings account does not come with Overdraft Protectioncontain the required $100 increment we will advance any available credit or transfer any available savings account funds (we may also advance/transfer funds from more than once source – i.e. advance funds from your Logix Credit Card and transfer funds from your Logix savings account to cover the item); however, if sufficient credit is not available on your Logix Credit Card or ReadyLine of Credit, or sufficient funds are not available in your Logix savings account to cover the amount of the check, ACH payment, or other item, we will be unable to initiate the advance or transfer, and the check, ACH payment or other item may be returned unpaid. Advances from your savings account to cover overdrafts are limited to a maximum of six (6) per calendar month (including preauthorized electronic funds transfers and transfers initiated via our Telephone Banking or Online Banking services). Refer to the Savings Accounts - “Transaction Limitations” section of this Agreement and Disclosure. If I have been approved for we advance funds from your Logix Credit Card or ReadyLine of Credit or we transfer funds from your Logix savings account to cover an overdraft, then we will assess an Overdraft Protection with my Transfer Fee and charge this fee to your Logix checking account, I can borrow up . Refer to our current Fee Schedule for Business Accounts for information on how this fee is assessed and the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate amount of the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalTransfer Fee.

OVERDRAFT PROTECTION. If I wish You may, subject to our approval, enroll in our Overdraft Protection I understand I must apply (“Overdraft Protection”), which enables us to transfer funds either from a Money Market Account or checking account designated by you (the “Transfer Account”) to a checking account designated by you (the “Overdrawn Account”) for purposes of satisfying any overdraft in the Overdrawn Account. If the available balance in the Transfer Account is insufficient to satisfy in full the amount of the overdraft in the Overdrawn Account, we will transfer the entire available balance in the Transfer Account to the Overdrawn Account. In that event, you will still incur an overdraft and be approved for itmay incur overdraft fees, as specified in the Fee Schedule. Every account does not come We will use our best efforts to notify you promptly of any overdraft transfer from the Transfer Account, including if the available balance in the Transfer Account is insufficient. Each transfer made in the Overdraft Protection shall constitute an authorized Payment Order. To enroll, you will need to complete an enrollment form (“Overdraft Protection Enrollment Form”). Your Overdraft Protection Enrollment Form and any electronic documents presented to you via Online Banking Services or by other means (e.g., statement notices, mail) that relate to the Overdraft Protection are incorporated into these terms and collectively form the agreement you have with us regarding the Overdraft Protection. If I have been approved for Overdraft Protection with my accountWe may add to, I can borrow up to the limit set by the Credit Union (the “Limit”)delete, change, amend or otherwise modify these terms or any electronically presented document at any time. The Credit Union We may change the Limit or terminate your enrollment in the Overdraft Protection in our discretion at any time. We may modify, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use change or amend the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access terms of the Overdraft Protection by writing cheques providing you with prior written or electronic notice, by posting the notice or an amended agreement or other document on our website or by any other debit transaction I initiate all delivering it to you. Your use of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute after being presented with such a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up written or electronic document constitutes your agreement to the Limit from the date terms of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvaldocument.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved you choose to use your Account for Overdraft Protection with my accountcoverage, I can borrow up you agree that Cash Advances will be automatically made from your credit card Account to the limit set by the Credit Union your designated Synovus Bank Deposit Account (the “LimitDeposit Account”) on occasions when the amount of the Deposit Account debits authorized by authorized party(ies) are in excess of the balance available in the Deposit Account. These debits may be checks or drafts written by authorized party(ies), automatic withdrawals by authorized party(ies), check card transactions made by authorized party(ies); or any other debits authorized or originated by authorized party(ies). Each such cash advance (an “Overdraft Advance”) must be repaid as a part of your total indebtedness under this Agreement with all applicable Finance Charges. The Credit Union Limit applicable to your credit card Account from time to time pursuant to this Agreement will not be increased or expanded because of Overdraft Advances. By participating in the Overdraft Protection coverage, you acknowledge and agree to the following: (i) the privileges attached to this Overdraft Protection coverage are contingent upon you maintaining and properly handling both the Deposit Account and the credit card Account; (ii) the Overdraft Protection will immediately terminate upon the closing of either the credit card Account or the Deposit Account for any reason; (iii) we may change review the Limit Account involved in this Agreement and, upon a finding of any misuse, fraudulent behavior, or violation of the terms of this Agreement, we may withdraw any Overdraft Protection coverage or suspend your use of the Card or other credit extended under your Account; (iv) it is possible that an Overdraft Advance may result in creating a credit card Account balance in excess of your approved Credit Limit, or exceeding the available credit under any lower limit you may assign to your credit card Account (which also applies to Overdraft Advances), which may cause Purchase or Cash Advance transactions with your Card to be declined. However, we are not obligated to make such Overdraft Advances that would exceed your Credit Limit; and (v) we reserve the right to process, under normal return procedures, any check or debit items which would create an excess balance or any other situation in violation of this or any other agreement between us and you. You acknowledge that you can choose to terminate the Overdraft Protection coverage on your credit card at any time, time by calling us at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment number on the Overdraft Protection back of your Card and following the procedures for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date cancellation of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalcoverage.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized written or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated paymentProtection. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval. 5.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and your account has an overdraft protection line of credit, unless otherwise agreed in writing, Card transactions that would otherwise overdraw your account will be approved for it. Every account does not come with Overdraft Protectioncovered by the overdraft protection feature up to your available limit. If I have been approved for Overdraft Protection with my accountyour account has Courtesy Coverage, I can borrow up your Card must be opted in to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques coverage, otherwise the transaction will be declined. Stop Payment. Unless otherwise provided in this agreement, you may not stop payment of point-of-sale transactions, therefore you should not employ electronic access for purchases or by any other debit transaction I initiate all of which shall be considered an advance or loan services unless you are satisfied that you will not need to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated stop payment. I TYPES OF TRANSACTIONS Below are the types of transactions your Card will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to timeaccommodate. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to timeATM Transactions. You may access your account by ATM using your Card and code to: ▪ make deposits to your checking account. ▪ get cash withdrawals from your checking account. ▪ you may withdraw no more than $500.00 per calendar day, per banking card up to your available limit and available balance. ▪ transfer funds between accounts linked to the Card. ▪ get information about account balances. Some of these services may not be available at all ATM terminals. Point-of-Sale Transactions/Purchases. You may access your checking account with your Card to purchase goods (in person, by phone, or online), pay for services/purchases (in person, by phone, or online), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that you can do with a credit card (that a participating merchant will accept with a credit card). Using your Card and/or code: ▪ you may not exceed $2,500.00 in transactions per calendar day, per card up to your available limit and available balance unless otherwise stated. Your Option to Limit Cash Withdrawals. In addition to dollar amount limitations for withdrawals using your Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your Card and/or code to $500.00 per day or some other amount acceptable to us. You may access your account using the Brattleboro Savings & Loan Debit BusinessCard at any Brattleboro Savings & Loan Association ATM location. You also have access to cash at hundreds of my accounts including any joint account such funds as are necessary ATMs in the NYCE®, DISCOVER®/PULSE®, DINERS CLUB® and CIRRUS® networks. You can choose the option level on your Debit BusinessCard to pay any such overdraftcontrol employee access. You may have up to five cards with a different accessibility option on each card. The Overdraft Protection rate and any overdraft rate, if different, is posted Bank retains the option to authorize more than five cards at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalour sole discretion.