Common use of Payment of Items Clause in Contracts

Payment of Items. For purposes of this subsection, an “item” is a debit to your account which includes a check, substitute check, purported substitute check, electronic item or transaction, draft, demand draft, remotely created item, image replacement document, indemnified copy, ATM withdrawal or transfer, PIN-based point of sale transaction, signature-based point of sale transaction, preauthorized payment, automatic transfer, telephone-initiated transfer, ACH transaction, Online Banking transfer or bill payment instruction, withdrawal slip, in-person transfer or withdrawal, cash ticket, deposit adjustment, any other instruction or order for the payment, transfer, or withdrawal of funds, and an image or photocopy of any of the foregoing. In general, the Bank will post transactions to your account in chronological order. Chronological posting is utilized when the bank can identify both date and time information for the transaction. For each processing day, the Bank will post all credits in low to high dollar amount. Following credits, debits will post in chronological order. As a result, prior day debits and fees will post before current day debits and fees. Items sent by merchants for authorization prior to being submitted for final payment will post according to the date and time of the authorization request. Debits that cannot be posted in chronological order will post in low to high dollar amount after chronological debits are posted, followed by checks in sequential order. The Bank reserves the right to change the posting order or categories from time to time. If you use your ATM Card or Debit Card to purchase goods and services, including Internet purchases (point-of-sale transactions), you authorize us to debit your deposit account, and you agree that your authorization may result in an immediate withdrawal from the account, even though the transaction may not actually be posted to that account until a later date. You also understand that you may incur an overdraft if you make a withdrawal, write checks or make point of sale purchases against funds that are needed to pay ATM/Debit Card transactions that have been authorized but not yet posted to your account. Please see the Electronic Fund Transfer Agreement & Disclosures section for full details. Authorization holds affect the availability of funds by reducing the available balance. BB&T deducts authorized holds from the funds you have available to cover any outstanding checks drawn on your account as well as other withdrawals such as ACH transactions. Your account history reflects the current balance, not the available balance. Overdraft fees are charged when adequate funds are not available in the account to cover all pending transactions, debit card transactions being posted, or outstanding checks, ACH, transfers and all other withdrawals when transactions post during nightly processing. Please note that BB&T does not charge an Overdraft Fee to clients who are Opted Out of BB&T’s Overdraft Program for Debit Card and ATM transactions, however, fees apply to all Checks, ACH, and all other Transfers and/or Withdrawals being posted against an insufficient balance, either in the form of an Overdraft Fee or Returned Item Fee. It remains very important to keep records of all payments you’ve authorized from your account. Authorization holds will help track your debit card purchases and reserve the funds before they post to your account. However, we have no record of outstanding checks or ACH transactions you’ve authorized. For example: Xxxx visits the ATM and sees his available checking balance is $200. He makes a purchase at the local Home Improvement store for $75, using his debit card. He doesn’t realize his wife wrote a check the day before for $150 to the grocery store. The resulting balance in their account would be reduced by the purchase, making the funds available to pay items posting, $125. The Bank, subject to your overdraft decision, has the discretion to process items even if your account has an insufficient available balance to pay such items. Your “available” balance represents the amount of funds available for withdrawal or to pay items presented against your account. The “available” balance may not be the same as your “current” or “posted” balance. For example, your available balance may be reduced by a POS transaction in which the merchant has obtained authorization from the Bank but that has not been presented for payment. We consider such pending transactions in the calculation of your available balance. In the payment clearing process, the Bank employs techniques to assist in the detection of unauthorized items that may be presented against your account for payment. If a particular item appears to represent unusual activity on your account, you authorize the Bank, in its discretion, to reject the item and return it unpaid. If the returned item was, in fact, properly payable, you agree to hold the Bank harmless from any claims, loss, or damages as a result of the Bank not paying the item.

Payment of Items. For purposes of this subsection, an “item” is a debit to your account which includes a check, substitute check, purported substitute check, electronic item or transaction, draft, demand draft, remotely created item, image replacement document, indemnified copy, ATM withdrawal or transfer, PIN-based point of sale transaction, signature-based point of sale transaction, preauthorized payment, automatic transfer, telephone-initiated transfer, ACH transaction, Online Banking transfer or bill payment instruction, withdrawal slip, in-person transfer or withdrawal, cash ticket, deposit adjustment, any other instruction or order for the payment, transfer, or withdrawal of funds, and an image or photocopy of any of the foregoing. In generalTransactions are processed each banking day during nightly processing. Once your transactions are processed, the results are posted to your account. Community First Bank will post transactions items to your account in chronological order. Chronological posting is utilized when the bank can identify both date and time information for the transaction. For each processing day, the Bank will post all credits in low to high dollar amount. Following credits, debits will post in chronological order. As a result, prior day debits and fees will post before current day debits and fees. Items sent by merchants for authorization prior to being submitted for final payment will post according to the date and time of the authorization request. Debits that cannot be posted in chronological order will post in low to high dollar amount after chronological debits are posted, followed by checks in sequential orderbased on your available balance. The available balance can be impacted by pending transactions. Examples of common pending transactions include the following but is not an exhaustive list and there may be other pending transactions that have not been included. • Authorization holds affect the availability of funds by reducing the available balance. Community First Bank reserves deducts authorized holds from the right funds you have available to change cover any outstanding items, including checks drawn on your account as well as other withdrawals such as ACH transactions. Your account history reflects the posting order or categories from time to timecurrent balance, not the available balance. • If you use your ATM Card or Debit Card to purchase goods and services, including Internet purchases (point-of-sale transactions), you authorize us to debit your deposit account, and you agree that your authorization may result in an immediate withdrawal from memo debit reducing the account’s available balance, even though the transaction may not actually be finally posted to that account until a later date. You also understand that you may incur an overdraft overdraw your account if you make a withdrawal, write checks or make point of sale purchases against funds that are needed to pay ATM/Debit Card transactions that have been authorized but not yet posted to your account. Please see the Electronic Fund Transfer Agreement & Disclosures section for full details. Authorization holds affect the availability of funds by reducing the available balance. BB&T deducts authorized holds from the funds you have available to cover any outstanding checks drawn • Based on your account as well as other withdrawals such as ACH transactions. Your account history reflects the current balancetype, not the available balance. Overdraft overdraft fees are may be charged when adequate funds are not available in the account to cover all pending transactionstransactions and items being posted, debit card transactions being posted, or outstanding checks, ACH, transfers and all other withdrawals when transactions post during nightly processing. Please note that BB&T Community First Bank does not charge an Overdraft Fee to clients who are Opted Out of BB&T’s Overdraft Program Coverage for one-time Debit Card and ATM transactions, however, fees Overdraft Fees apply to all Checks, ACH, and all other Transfers and/or Withdrawals being posted against an insufficient balance, either in the form of . An overdraft fee may be charged each time an Overdraft Fee or Returned Item Fee. It remains very important to keep records of all payments you’ve authorized from your account. Authorization holds will help track your debit card purchases and reserve the funds before they post to your account. However, we have no record of outstanding checks or ACH transactions you’ve authorized. For example: Xxxx visits the ATM and sees his available checking balance item is $200. He makes a purchase at the local Home Improvement store for $75, using his debit card. He doesn’t realize his wife wrote a check the day before for $150 to the grocery store. The resulting balance in their account would be reduced by the purchase, making the funds available to pay items posting, $125. The Bank, subject to your overdraft decision, has the discretion to process items even if your account has an insufficient available balance to pay such items. Your “available” balance represents the amount of funds available for withdrawal or to pay items presented against your account. The “available” balance may not be insufficient funds including being charged more than once for the same as your “current” or “posted” balance. For example, your available balance may be reduced by a POS transaction in which the merchant has obtained authorization from the Bank but that has not been presented for payment. We consider such pending transactions in the calculation of your available balance. In the payment clearing process, the Bank employs techniques to assist in the detection of unauthorized items that may be presented against your account for payment. If a particular item appears to represent unusual activity on your account, you authorize the Bank, in its discretion, to reject the item and return if it unpaid. If the returned item was, in fact, properly payable, you agree to hold the Bank harmless from any claims, loss, or damages as a result of the Bank not paying the itemis represented.

Payment of Items. For purposes of this subsection, an “item” is a debit to your account which includes a check, substitute check, purported substitute check, electronic item or transaction, draft, demand draft, remotely created item, image replacement document, indemnified copy, ATM withdrawal or transfer, PIN-based point of sale transaction, signature-based point of sale transaction, preauthorized payment, automatic transfer, telephone-initiated transfer, ACH transaction, Online Banking transfer or bill xxxx payment instruction, withdrawal slip, in-person transfer transfer, or withdrawal, cash ticket, deposit adjustment, any other instruction or order for the payment, transfer, or withdrawal of funds, and an image or photocopy of any of the foregoing. In general, the Bank will post transactions debits to your account in chronological order. Chronological posting is utilized when the bank Bank can identify both date and time information for the transaction. For each processing business day, the Bank will post all credits to your account first, in low to high dollar amount. Following credits, debits will post be posted to your account in chronological order. As a result, prior day debits and fees will post before current day debits and fees. Items sent by merchants for authorization prior to being submitted for final payment will post according to the date and time of the authorization request. Debits that cannot be posted in chronological order will post in low to high dollar amount after chronological debits are posted, followed by checks in sequential order. The Bank reserves the right to change the posting order or categories from time to time. If you use your ATM Card or Debit Card to purchase goods and services, including Internet purchases (point-of-sale transactions), you authorize us to debit your deposit account, and you agree that your authorization may result in an immediate withdrawal from the account, even though the transaction may not actually be posted to that account until a later date. You also understand that you may incur an overdraft if you make a withdrawal, write checks or make point of sale purchases against funds that are needed to pay ATM/Debit Card transactions that have been authorized but not yet posted to your account. Please see We may change the Electronic Fund Transfer Agreement & Disclosures section for full details. Authorization holds affect the availability of funds by reducing the available balance. BB&T deducts authorized holds from the funds you have available to cover posting order or categories at any outstanding checks drawn on your account as well as other withdrawals such as ACH transactions. Your account history reflects the current balance, not the available balance. Overdraft fees are charged when adequate funds are not available in the account to cover all pending transactions, debit card transactions being posted, or outstanding checks, ACH, transfers and all other withdrawals when transactions post during nightly processing. Please note that BB&T does not charge an Overdraft Fee to clients who are Opted Out of BB&T’s Overdraft Program for Debit Card and ATM transactions, however, fees apply to all Checks, ACH, and all other Transfers and/or Withdrawals being posted against an insufficient balance, either in the form of an Overdraft Fee or Returned Item Fee. It remains very important to keep records of all payments you’ve authorized from your account. Authorization holds will help track your debit card purchases and reserve the funds before they post to your account. However, we have no record of outstanding checks or ACH transactions you’ve authorized. For example: Xxxx visits the ATM and sees his available checking balance is $200. He makes a purchase at the local Home Improvement store for $75, using his debit card. He doesn’t realize his wife wrote a check the day before for $150 to the grocery store. The resulting balance in their account would be reduced by the purchase, making the funds available to pay items posting, $125time. The Bank, subject to your overdraft decision, has the discretion to process items even if your account has an insufficient available balance to pay such items. Your “available” balance represents the amount of funds available for withdrawal or to pay items presented against your account. The “available” balance may not be the same as your “current” or “posted” balance. For example, your available balance may be reduced by a POS transaction in which the merchant has obtained authorization from the Bank but that has not been presented for payment. We consider such pending transactions in the calculation of your available balance. In the check payment clearing process, the Bank employs techniques to assist in the detection of unauthorized items that may be presented against your account for payment. If a particular item appears to represent unusual activity on your account, you authorize the Bank, in its discretion, to reject the item and return it unpaid. If the returned item was, in fact, properly payable, you agree to hold the Bank harmless from any claims, loss, or damages as a result of the Bank not paying the itemcheck.

Payment of Items. For purposes of this subsection, an “item” is a debit to your account which includes a check, substitute check, purported substitute check, electronic item or transaction, draft, demand draft, remotely created item, image replacement document, indemnified copy, ATM withdrawal or transfer, PIN-based point of sale transaction, signature-based point of sale transaction, preauthorized payment, automatic transfer, telephone-initiated transfer, ACH transaction, Online Banking transfer or bill xxxx payment instruction, withdrawal slip, in-person transfer transfer, or withdrawal, cash ticket, deposit adjustment, any other instruction or order for the payment, transfer, or withdrawal of funds, and an image or photocopy of any of the foregoing. In general, the Bank will post transactions debits to your account in chronological order. Chronological posting is utilized when the bank Bank can identify both date and time information for the transaction. For each processing business day, the Bank will post all credits to your account first, in low to high dollar amount. Following credits, debits will post be posted to your account in chronological order. As a result, prior day debits and fees will post before current day debits and fees. Items sent by merchants for authorization prior to being submitted for final payment will post according to the date and time of the authorization request. Debits that cannot be posted in chronological order will post in low to high dollar amount after chronological debits are posted, followed by checks in sequential order. The Bank reserves the right to change the posting order or categories from time to time. If you use your ATM Card or Debit Card to purchase goods and services, including Internet purchases (point-of-sale transactions), you authorize us to debit your deposit account, and you agree that your authorization may result in an immediate withdrawal from the account, even though the transaction may not actually be posted to that account until a later date. You also understand that you may incur an overdraft if you make a withdrawal, write checks or make point of sale purchases against funds that are needed to pay ATM/Debit Card transactions that have been authorized but not yet posted to your account. Please see .. We may change the Electronic Fund Transfer Agreement & Disclosures section for full details. Authorization holds affect the availability of funds by reducing the available balance. BB&T deducts authorized holds from the funds you have available to cover posting order or categories at any outstanding checks drawn on your account as well as other withdrawals such as ACH transactions. Your account history reflects the current balance, not the available balance. Overdraft fees are charged when adequate funds are not available in the account to cover all pending transactions, debit card transactions being posted, or outstanding checks, ACH, transfers and all other withdrawals when transactions post during nightly processing. Please note that BB&T does not charge an Overdraft Fee to clients who are Opted Out of BB&T’s Overdraft Program for Debit Card and ATM transactions, however, fees apply to all Checks, ACH, and all other Transfers and/or Withdrawals being posted against an insufficient balance, either in the form of an Overdraft Fee or Returned Item Fee. It remains very important to keep records of all payments you’ve authorized from your account. Authorization holds will help track your debit card purchases and reserve the funds before they post to your account. However, we have no record of outstanding checks or ACH transactions you’ve authorized. For example: Xxxx visits the ATM and sees his available checking balance is $200. He makes a purchase at the local Home Improvement store for $75, using his debit card. He doesn’t realize his wife wrote a check the day before for $150 to the grocery store. The resulting balance in their account would be reduced by the purchase, making the funds available to pay items posting, $125time. The Bank, subject to your overdraft decision, has the discretion to process items even if your account has an insufficient available balance to pay such items. Your “available” balance represents the amount of funds available for withdrawal or to pay items presented against your account. The “available” balance may not be the same as your “current” or “posted” balance. For example, your available balance may be reduced by a POS transaction in which the merchant has obtained authorization from the Bank but that has not been presented for payment. We consider such pending transactions in the calculation of your available balance. In the check payment clearing process, the Bank employs techniques to assist in the detection of unauthorized items that may be presented against your account for payment. If a particular item appears to represent unusual activity on your account, you authorize the Bank, in its discretion, to reject the item and return it unpaid. If the returned item was, in fact, properly payable, you agree to hold the Bank harmless from any claims, loss, or damages as a result of the Bank not paying the itemcheck.

Payment of Items. For purposes of this subsection, an “item” is a debit to your account which includes a check, substitute check, purported substitute check, electronic item or transaction, draft, demand draft, remotely created item, image replacement document, indemnified copy, ATM withdrawal or transfer, PIN-based point of sale transaction, signature-based point of sale transaction, preauthorized payment, automatic transfer, telephone-initiated transfer, ACH transaction, Online Banking transfer or bill xxxx payment instruction, withdrawal slip, in-person transfer transfer, or withdrawal, cash ticket, deposit adjustment, any other instruction or order for the payment, transfer, or withdrawal of funds, and an image or photocopy of any of the foregoing. In general, the Bank will post transactions debits to your account in chronological order. Chronological posting is utilized when the bank Bank can identify both date and time information for the transaction. For each processing business day, the Bank will post all credits to your account first, in low to high dollar amount. Following credits, debits will post be posted to your account in chronological order. As a result, prior day debits and fees will post before current day debits and fees. Items sent by merchants for authorization prior to being submitted for final payment will post according to the date and time of the authorization request. Debits that cannot be posted in chronological order will post in low to high dollar amount after chronological debits are posted, followed by checks in sequential order. The Bank reserves the right to change the posting order or categories from time to time. If you use your ATM Card or Debit Card to purchase goods and services, including Internet purchases (point-of-sale transactions), you authorize us to debit your deposit account, and you agree that your authorization may result in an immediate withdrawal from the account, even though the transaction may not actually be posted to that account until a later date. You also understand that you We may incur an overdraft if you make a withdrawal, write checks change the posting order or make point of sale purchases against funds that are needed to pay ATM/Debit Card transactions that have been authorized but not yet posted to your account. Please see the Electronic Fund Transfer Agreement & Disclosures section for full details. Authorization holds affect the availability of funds by reducing the available balance. BB&T deducts authorized holds from the funds you have available to cover categories at any outstanding checks drawn on your account as well as other withdrawals such as ACH transactions. Your account history reflects the current balance, not the available balance. Overdraft fees are charged when adequate funds are not available in the account to cover all pending transactions, debit card transactions being posted, or outstanding checks, ACH, transfers and all other withdrawals when transactions post during nightly processing. Please note that BB&T does not charge an Overdraft Fee to clients who are Opted Out of BB&T’s Overdraft Program for Debit Card and ATM transactions, however, fees apply to all Checks, ACH, and all other Transfers and/or Withdrawals being posted against an insufficient balance, either in the form of an Overdraft Fee or Returned Item Fee. It remains very important to keep records of all payments you’ve authorized from your account. Authorization holds will help track your debit card purchases and reserve the funds before they post to your account. However, we have no record of outstanding checks or ACH transactions you’ve authorized. For example: Xxxx visits the ATM and sees his available checking balance is $200. He makes a purchase at the local Home Improvement store for $75, using his debit card. He doesn’t realize his wife wrote a check the day before for $150 to the grocery store. The resulting balance in their account would be reduced by the purchase, making the funds available to pay items posting, $125time. The Bank, subject to your overdraft decision, has the discretion to process items even if your account has an insufficient available balance to pay such items. Your “available” balance represents the amount of funds available for withdrawal or to pay items presented against your account. The “available” balance may not be the same as your “current” or “posted” balance. For example, your available balance may be reduced by a POS transaction in which the merchant has obtained authorization from the Bank but that has not been presented for payment. We consider such pending transactions in the calculation of your available balance. In the check payment clearing process, the Bank employs techniques to assist in the detection of unauthorized items that may be presented against your account for payment. If a particular item appears to represent unusual activity on your account, you authorize the Bank, in its discretion, to reject the item and return it unpaid. If the returned item was, in fact, properly payable, you agree to hold the Bank harmless from any claims, loss, or damages as a result of the Bank not paying the itemcheck.

Payment of Items. For purposes of this subsection, an “item” is a debit to your account which includes a check, substitute check, purported substitute check, electronic item or transaction, draft, demand draft, remotely created item, image replacement document, indemnified copy, ATM withdrawal or transfer, PIN-based point of sale transaction, signature-based point of sale transaction, preauthorized payment, automatic transfer, telephone-initiated transfer, ACH transaction, Online Banking transfer or bill payment instruction, withdrawal slip, in-person transfer or transfer, third party withdrawal, cash ticket, deposit adjustment, any other instruction or order for the payment, transfer, or withdrawal of funds, and an image or photocopy of any of the foregoing. In generalTransactions are processed each banking day (Monday through Friday except federal holidays) during nightly processing. Once your transactions are processed, the Bank results are posted to your account. Truist will post transactions items to your account in chronological order. Chronological posting is utilized when the bank can identify both date and time information for the transaction. For each processing day, the Bank will post all credits in low to high dollar amount. Following credits, debits will post in chronological order. As a result, prior day debits and fees will post before current day debits and fees. Items sent by merchants for authorization prior to being submitted for final payment will post according to the date and time of the authorization request. Debits that cannot be posted in chronological order will post in low to high dollar amount after chronological debits are posted, followed by checks in sequential orderbased on your available balance. The Bank reserves available balance can be impacted by pending transactions. Examples of common pending transactions include the right following but is not an exhaustive list and there may be other pending transactions that have not been included. • Transfers from another Truist account, Visa Money Transfer Credits, and Zelle Payments that are made before nightly processing begins (generally around 11:59 p.m. ET) will be added to change your available balance. • Authorization holds affect the posting order or categories availability of funds by reducing the available balance. Truist deducts authorized holds from time the funds you have available to timecover any outstanding items, including checks drawn on your account as well as other withdrawals such as ACH transactions. Your account history reflects the current balance, not the available balance. • If you use your ATM Card or Debit Card to purchase goods and services, including Internet purchases (point-of-sale transactions), you authorize us to debit your deposit account, and you agree that your authorization may result in an immediate withdrawal from memo debit reducing the account’s available balance, even though the transaction may not actually be finally posted to that account until a later date. You also understand that you may incur an overdraft if you make a withdrawal, write checks or make point of sale purchases against funds that are needed to pay ATM/Debit Card transactions that have been authorized but not yet posted to your account. Please see the Electronic Fund Transfer Agreement & Disclosures section for full details. Authorization holds affect the availability of funds by reducing the available balance. BB&T deducts authorized holds from the funds you have available to cover any outstanding checks drawn on your account as well as other withdrawals such as ACH transactions. Your account history reflects the current balance, not the available balance. • Overdraft fees are may be charged when adequate funds are not available in the account to cover all pending transactionstransactions and items being posted, debit card transactions being posted, or outstanding checks, ACH, transfers and all other withdrawals when transactions post during nightly processing. Please note that BB&T Truist does not charge an Overdraft Fee to clients who are Opted Out of BB&TTruist’s Overdraft Program Coverage for Debit one-time Card and ATM transactions, however, fees apply to all Checks, ACH, and all other Transfers and/or Withdrawals being posted against an insufficient balance, either in the form of an Overdraft Fee or Returned Item Fee. • It remains very important to keep records of all payments you’ve authorized from your account. Authorization holds will help track your debit card purchases and reserve the funds before they post to your account. However, we have no record of outstanding checks or ACH transactions you’ve authorized. For example: Xxxx visits Once the ATM and sees his available checking balance is $200determined, prior day credits and debits will post before current day credits and debits. He makes a purchase at the local Home Improvement store for $75Once prior day credits and debits are determined, using his debit card. He doesn’t realize his wife wrote a check the day before for $150 if any, transactions will post in order according to the grocery store. The resulting balance in their account would be reduced by the purchase, making the funds available to pay items posting, $125. The Bank, subject to your overdraft decision, has the discretion to process items even if your account has an insufficient available balance to pay such items. Your “available” balance represents the amount of funds available for withdrawal or to pay items presented against your account. The “available” balance may not be the same as your “current” or “posted” balance. For example, your available balance may be reduced by a POS transaction in which the merchant has obtained authorization from the Bank but that has not been presented for payment. We consider such pending transactions in the calculation of your available balance. In the payment clearing process, the Bank employs techniques to assist in the detection of unauthorized items that may be presented against your account for payment. If a particular item appears to represent unusual activity on your account, you authorize the Bank, in its discretion, to reject the item and return it unpaid. If the returned item was, in fact, properly payable, you agree to hold the Bank harmless from any claims, loss, or damages as a result of the Bank not paying the item.groupings below:

Payment of Items. For purposes of this subsection, an “item” is a debit to your ³LWHaPd´eb itLtoVyour account which includes a check, substitute check, purported substitute check, electronic item or transaction, draft, demand draft, remotely created item, image replacement document, indemnified copy, ATM withdrawal or transfer, PIN-based point of sale transaction, signature-based point of sale transaction, preauthorized payment, automatic transfer, telephone-initiated transfer, ACH transaction, Online Banking transfer or bill payment instruction, withdrawal slip, in-person transfer or withdrawal, cash ticket, deposit adjustment, any other instruction or order for the payment, transfer, or withdrawal of funds, and an image or photocopy of any of the foregoing. In generalTransactions are processed each banking day during nightly processing. Once your transactions are processed, the Bank results are posted to your account. Truist will post transactions items to your account in chronological order. Chronological posting is utilized when the bank can identify both date and time information for the transaction. For each processing day, the Bank will post all credits in low to high dollar amount. Following credits, debits will post in chronological order. As a result, prior day debits and fees will post before current day debits and fees. Items sent by merchants for authorization prior to being submitted for final payment will post according to the date and time of the authorization request. Debits that cannot be posted in chronological order will post in low to high dollar amount after chronological debits are posted, followed by checks in sequential orderbased on your available balance. The Bank reserves available balance can be impacted by pending transactions. Examples of common pending transactions include the right following but is not an exhaustive list and there may be other pending transactions that have not been included. ‡ Transfers from another Truist account, Visa Money Transfer Credits, and Zelle Payments that are made before nightly processing begins (generally around 11:59 p.m. ET) will be added to change your available balance. ‡ Authorization holds affect the posting order or categories availability of funds by reducing the available balance. Truist deducts authorized holds from time the funds you have available to timecover any outstanding items, including checks drawn on your account as well as other withdrawals such as ACH transactions. Your account history reflects the current balance, not the available balance. ‡ If you use your ATM Card or Debit Card to purchase goods and services, including Internet purchases (point-of-sale transactions), you authorize us to debit your deposit account, and you agree that your authorization may result in an immediate withdrawal from the account, even though the transaction may not actually be memo debit UHGXFLQJ WKH DFFRXQW¶V DYDLtraOnsDaEctiOonHm ayEnDotObeDQFH HY finally posted to that account until a later date. You also understand that you may incur an overdraft overdraw your account if you make a withdrawal, write checks or make point of sale purchases against funds that are needed to pay ATM/Debit Card transactions that have been authorized but not yet posted to your account. Please see the Electronic Fund Transfer Agreement & Disclosures section for full details. Authorization holds affect the availability of funds by reducing the available balance. BB&T deducts authorized holds from the funds you have available to cover any outstanding checks drawn ‡ Based on your account as well as other withdrawals such as ACH transactions. Your account history reflects the current balancetype, not the available balance. Overdraft overdraft fees are may be charged when adequate funds are not available in the account to cover all pending transactionstransactions and items being posted, debit card transactions being posted, or outstanding checks, ACH, transfers and all other withdrawals when transactions post during nightly processing. Please note that BB&T Truist does not charge an Overdraft Fee to clients who are Opted Out of BB&T’s Overdraft Program 7UXLOVveWrd¶raVft Coverage for one- time Debit Card and ATM transactions, however, fees Overdraft Fees apply to all Checks, ACH, and all other Transfers and/or Withdrawals being posted against an insufficient balance, either in . An overdraft fee may be charged each time an item is presented against insufficient funds including being charged more than once for the form of an Overdraft Fee or Returned Item Feesame item if it is represented. ‡ It remains very important to keep records of all payments you’ve authorized from your account. Authorization holds DOO SD\PHQWV \RX¶YH DXWKRUL]HhGol dsIURP \RX will help track your debit card purchases and reserve the funds before they post to your account. However, ,we have no record of outstanding checks or ACH transactions you’ve authorizedACHtransactions \RX¶auYthHorized. For example: Xxxx visits Once the ATM and sees his available checking balance is $200determined, prior day credits and debits will post before current day credits and debits. He makes a purchase at the local Home Improvement store for $75Once prior day credits and debits are determined, using his debit card. He doesn’t realize his wife wrote a check the day before for $150 if any, transactions will post in order according to the grocery store. The resulting balance in their account would be reduced by the purchase, making the funds available to pay items posting, $125. The Bank, subject to your overdraft decision, has the discretion to process items even if your account has an insufficient available balance to pay such items. Your “available” balance represents the amount of funds available for withdrawal or to pay items presented against your account. The “available” balance may not be the same as your “current” or “posted” balance. For example, your available balance may be reduced by a POS transaction in which the merchant has obtained authorization from the Bank but that has not been presented for payment. We consider such pending transactions in the calculation of your available balance. In the payment clearing process, the Bank employs techniques to assist in the detection of unauthorized items that may be presented against your account for payment. If a particular item appears to represent unusual activity on your account, you authorize the Bank, in its discretion, to reject the item and return it unpaid. If the returned item was, in fact, properly payable, you agree to hold the Bank harmless from any claims, loss, or damages as a result of the Bank not paying the item.groupings below:

Payment of Items. For purposes of this subsection, an “item” is a debit to your account which includes a check, substitute check, purported substitute check, electronic item or transaction, draft, demand draft, remotely created item, image replacement document, indemnified copy, ATM withdrawal or transfer, PIN-based point of sale transaction, signature-based point of sale transaction, preauthorized payment, automatic transfer, telephone-initiated transfer, ACH transaction, Online Banking transfer or bill xxxx payment instruction, withdrawal slip, in-person transfer or withdrawal, cash ticket, deposit adjustment, any other instruction or order for the payment, transfer, or withdrawal of funds, and an image or photocopy of any of the foregoing. In general, the Bank will post transactions to your account in chronological order. Chronological posting is utilized when the bank can identify both date and time information for the transaction. For each processing day, the Bank will post all credits in low to high dollar amount. Following credits, debits will post in chronological order. As a result, prior day debits and fees will post before current day debits and fees. Items sent by merchants for authorization prior to being submitted for final payment will post according to the date and time of the authorization request. Debits that cannot be posted in chronological order will post in low to high dollar amount after chronological debits are posted, followed by checks in sequential order. The Bank reserves the right to change the posting order or categories from time to time. If you use your ATM Card or Debit Card to purchase goods and services, including Internet purchases (point-of-sale transactions), you authorize us to debit your deposit account, and you agree that your authorization may result in an immediate withdrawal from the account, even though the transaction may not actually be posted to that account until a later date. You also understand that you may incur an overdraft if you make a withdrawal, write checks or make point of sale purchases against funds that are needed to pay ATM/Debit Card transactions that have been authorized but not yet posted to your account. Please see the Electronic Fund Transfer Agreement & Disclosures section for full details. Authorization holds affect the availability of funds by reducing the available balance. BB&T deducts authorized holds from the funds you have available to cover any outstanding checks drawn on your account as well as other withdrawals such as ACH transactions. Your account history reflects the current balance, not the available balance. Overdraft fees are charged when adequate funds are not available in the account to cover all pending transactions, debit card transactions being posted, or outstanding checks, ACH, transfers and all other withdrawals when transactions post during nightly processing. Please note that BB&T does not charge an Overdraft Fee to clients who are Opted Out of BB&T’s Overdraft Program for Debit Card and ATM transactions, however, fees apply to all Checks, ACH, and all other Transfers and/or Withdrawals being posted against an insufficient balance, either in the form of an Overdraft Fee or Returned Item Fee. It remains very important to keep records of all payments you’ve authorized from your account. Authorization holds will help track your debit card purchases and reserve the funds before they post to your account. However, we have no record of outstanding checks or ACH transactions you’ve authorized. For example: Xxxx visits the ATM and sees his available checking balance is $200. He makes a purchase at the local Home Improvement store for $75, using his debit card. He doesn’t realize his wife wrote a check the day before for $150 to the grocery store. The resulting balance in their account would be reduced by the purchase, making the funds available to pay items posting, $125. The Bank, subject to your overdraft decision, has the discretion to process items even if your account has an insufficient available balance to pay such items. Your “available” balance represents the amount of funds available for withdrawal or to pay items presented against your account. The “available” balance may not be the same as your “current” or “posted” balance. For example, your available balance may be reduced by a POS transaction in which the merchant has obtained authorization from the Bank but that has not been presented for payment. We consider such pending transactions in the calculation of your available balance. In the payment clearing process, the Bank employs techniques to assist in the detection of unauthorized items that may be presented against your account for payment. If a particular item appears to represent unusual activity on your account, you authorize the Bank, in its discretion, to reject the item and return it unpaid. If the returned item was, in fact, properly payable, you agree to hold the Bank harmless from any claims, loss, or damages as a result of the Bank not paying the item.

Payment of Items. For purposes of this subsection, an “item” is a debit to your account which includes a check, substitute check, purported substitute check, electronic item or transaction, draft, demand draft, remotely created item, image replacement document, indemnified copy, ATM withdrawal or transfer, PIN-based point of sale transaction, signature-based point of sale transaction, preauthorized payment, automatic transfer, telephone-initiated transfer, ACH transaction, Online Banking transfer or bill payment instruction, withdrawal slip, in-person transfer or transfer, third party withdrawal, cash ticket, deposit adjustment, any other instruction or order for the payment, transfer, or withdrawal of funds, and an image or photocopy of any of the foregoing. In generalTransactions are processed each banking day (Monday through Friday except federal holidays) during nightly processing. Once your transactions are processed, the Bank results are posted to your account. Truist will post transactions items to your account in chronological order. Chronological posting is utilized when the bank can identify both date and time information for the transaction. For each processing day, the Bank will post all credits in low to high dollar amount. Following credits, debits will post in chronological order. As a result, prior day debits and fees will post before current day debits and fees. Items sent by merchants for authorization prior to being submitted for final payment will post according to the date and time of the authorization request. Debits that cannot be posted in chronological order will post in low to high dollar amount after chronological debits are posted, followed by checks in sequential orderbased on your available balance. The Bank reserves available balance can be impacted by pending transactions. Examples of common pending transactions include the right following but is not an exhaustive list and there may be other pending transactions that have not been included. • Transfers from another Truist account, Visa Money Transfer Credits, and Zelle Payments that are made before nightly processing begins (generally around 11:59 p.m. ET) will be added to change your available balance. • Authorization holds affect the posting order or categories availability of funds by reducing the available balance. Truist deducts authorized holds from time the funds you have available to timecover any outstanding items, including checks drawn on your account as well as other withdrawals such as ACH transactions. Your account history reflects the current balance, not the available balance. • If you use your ATM Card or Debit Card to purchase goods and services, including Internet purchases (point-of-sale transactions), you authorize us to debit your deposit account, and you agree that your authorization may result in an immediate withdrawal from memo debit reducing the account’s available balance, even though the transaction may not actually be finally posted to that account until a later date. You also understand that you may incur an overdraft if you make a withdrawal, write checks or make point of sale purchases against funds that are needed to pay ATM/Debit Card transactions that have been authorized but not yet posted to your account. Please see the Electronic Fund Transfer Agreement & Disclosures section for full details. Authorization holds affect the availability of funds by reducing the available balance. BB&T deducts authorized holds from the funds you have available to cover any outstanding checks drawn on your account as well as other withdrawals such as ACH transactions. Your account history reflects the current balance, not the available balance. • Overdraft fees are may be charged when adequate funds are not available in the account to cover all pending transactionstransactions and items being posted, debit card transactions being posted, or outstanding checks, ACH, transfers and all other withdrawals when transactions post during nightly processing. Please note that BB&T Xxxxxx does not charge an Overdraft Fee to clients who are Opted Out of BB&TTruist’s Overdraft Program Coverage for Debit one-time Card and ATM transactions, however, fees apply to all Checks, ACH, and all other Transfers and/or Withdrawals being posted against an insufficient balance, either in the form of an Overdraft Fee or Returned Item Fee. • It remains very important to keep records of all payments you’ve authorized from your account. Authorization holds will help track your debit card purchases and reserve the funds before they post to your account. However, we have no record of outstanding checks or ACH transactions you’ve authorized. For example: Xxxx visits Once the ATM and sees his available checking balance is $200determined, prior day credits and debits will post before current day credits and debits. He makes a purchase at the local Home Improvement store for $75Once prior day credits and debits are determined, using his debit card. He doesn’t realize his wife wrote a check the day before for $150 if any, transactions will post in order according to the grocery store. The resulting balance in their account would be reduced by the purchase, making the funds available to pay items posting, $125. The Bank, subject to your overdraft decision, has the discretion to process items even if your account has an insufficient available balance to pay such items. Your “available” balance represents the amount of funds available for withdrawal or to pay items presented against your account. The “available” balance may not be the same as your “current” or “posted” balance. For example, your available balance may be reduced by a POS transaction in which the merchant has obtained authorization from the Bank but that has not been presented for payment. We consider such pending transactions in the calculation of your available balance. In the payment clearing process, the Bank employs techniques to assist in the detection of unauthorized items that may be presented against your account for payment. If a particular item appears to represent unusual activity on your account, you authorize the Bank, in its discretion, to reject the item and return it unpaid. If the returned item was, in fact, properly payable, you agree to hold the Bank harmless from any claims, loss, or damages as a result of the Bank not paying the item.groupings below: