Common use of Payment Order of Your Transactions Clause in Contracts

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: checks are paid in order of check amount, lowest to highest; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highest, and generally we will receive up to four ACH presentment files per day. ATM/POS items are paid in the order they are presented. Items performed in person such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOU: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee Schedule. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, without sufficient available funds and incurring the resulting fees. For more information please refer to the Discretionary Courtesy Pay Disclosure and section 16 of this Agreement.

Payment Order of Your Transactions. How do we process (post) transactions to your account? To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: checks are paid in order of check amount, lowest smallest to highestlargest; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highestin the order received, and generally we will receive up to four ACH presentment files per day. ; ATM/POS items are paid in the order they are presented. Items performed in person such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOUWhy this is Important to You: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our the Rate and Fee Schedule. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, drafts without sufficient available funds and incurring the resulting fees. For more information please refer to Third Parties: You further understand and agree that we have no control over how the Discretionary Courtesy Pay Disclosure and section 16 of this Agreement.third parties (or entities who process

Payment Order of Your Transactions. To assist you in handling your account(s) with usthe Credit Union, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received by us commonly contains a large amount of a specific type of item (Checkfor example, check, ACH, ATM, or ATM/POSPOS transaction). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are For ACH entries and checks received at oncein batch files, the items will be paid as followsCredit Union posts in the following manner: checks • Posting of that day’s ACH credits is followed by ACH debits, followed by checks. • ACH debits are paid in order of check amount, lowest to highest; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highest, and generally we will receive up to four ACH presentment files per day. ATM/POS items are paid processed in the order they received. Several files are presentedreceived each day and the files are posted in the order in which we receive them. Items performed • Checks are processed in person the order received and then in numerical order. The order in which items are presented may affect the fees assessed to your account. Most transactions post when you conduct them. The following transactions generally post real-time or very near real-time from when you conducted them include: • Transactions you conduct at our teller counters such as deposits*, withdrawals and cashing on-us checks. • Transactions you conduct at CO-OP Shared Branching locations*. • Your ATM deposits* and withdrawals. • Your debit card purchases conducted with a PIN. • Authorizations (holds) on your debit card purchases conducted using the VISA network. ** • Transfers you conduct using telephone banking, online banking, or mobile banking. * Note that funds availability rules apply, and funds deposited on a real-time basis may not be made available immediately. For example, checks cashed at one of you deposit may be subject to uncollected funds holds. See our locations Funds Availability Policy Disclosure and CO-OP Shared Branching rules for details. ** The corresponding settlements may lag hours or a shared branch, are generally paid days based on when the merchants submit them. We post settlement transactions at the time they are performedwe receive them. WHY THIS IS IMPORTANT TO YOU: The order in which items are paid is important if there is not enough money in your account to pay for all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items items, not to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF)item, which may result in fees charged to you as disclosed in the Fee Schedule. The amounts Credit Union may return debits (ACH payments as well as other transactions) submitted for payment against your account if the amount of the overdraft and debit exceeds the funds available in the applicable account. Each time we return a debit for insufficient funds, we will assess an NSF fee for each returned debit item. The entity that submitted the debit may submit additional debit(s) for the same transaction to the Credit Union even if we have already returned the prior debit for insufficient funds in the account. If the resubmitted debit again exceeds the funds available in the account, the Credit Union again will return the debit, resulting in an additional NSF fee. Thus, you may be charged multiple NSF fees are disclosed elsewhere in connection with a single debit that has been returned for insufficient funds multiple times. The reason for this Agreement and/or our Fee Scheduleis that when you authorize a merchant to process a payment from your account that merchant may present the transaction multiple times and in various ways when payment is declined for insufficient funds or otherwise. There is no way the Credit Union can identify such actions by the merchant you authorized. We encourage you to make careful maintain accurate records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, drafts without sufficient available funds and incurring the resulting fees. For more information please refer to the Discretionary Courtesy Pay Disclosure and section 16 of this Agreement.

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: checks are paid in order of check amountnumber, lowest to highest; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highest, and generally we will receive up to four ACH presentment files per day. ; ATM/POS items are paid in the order they are presented. Items performed in person such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOUWhy this is Important to You: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee ScheduleAgreement. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, drafts without sufficient available funds and incurring the resulting fees. For more information please refer to the Discretionary Courtesy Pay Disclosure and section 16 of this Agreement.

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed presented against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: checks are paid in order of check amount, lowest low to highesthigh amount order; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highest, and generally we will receive up to four ACH presentment files per day. ; ATM/POS items are paid in the order they are presented. Items performed in person such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOUWhy this is Important to You: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee and the Schedule. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, drafts without sufficient available funds and incurring the resulting fees. For more information please refer to the Discretionary Courtesy Pay Disclosure and section 16 of this Agreement.

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will generally be paid as follows: checks are paid in order of check amount, lowest to highest; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highest, and generally we will receive up to four ACH presentment files per day. ATM/POS items are paid in the order they are presented. Items performed in person such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOU: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balanceAvailable Balance” in your account (as defined in paragraph section 14a above). The actual Your account balance in your account may be higher than the Available Balance, Balance because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet clearedthe reasons outlined in section 14a outlined above. If an item is presented without a sufficient available funds Available Balance in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item unpaid (resulting in a Non-Sufficient Funds “NSF” item). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee Schedule. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, without a sufficient available funds Available Balance and incurring the resulting fees. For more information information, please refer to the Discretionary Courtesy Pay Disclosure and section 16 of this Agreement.Agreement.‌

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: checks are paid in order of check amountnumber, lowest to highest; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highest, and generally we will receive up to four ACH presentment files per day. ; ATM/POS items are paid in the order they are presented. Items performed in person such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOUWhy this is Important to You: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF Non- Sufficient Fund fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) in accordance to our Non-Return Privilege Policy or return the item as Non-Sufficient Funds (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee ScheduleAgreement. We encourage you to make keep careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, drafts without sufficient available funds and incurring the resulting fees. For more information please refer to the Discretionary Courtesy Pay Disclosure and section 16 of this Agreement.

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: checks are paid in order of check amountnumber, lowest to highest; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highest, and generally we will receive up to four ACH presentment files per day. ; ATM/POS items are paid in the order they are presented. Items performed in person such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOUWhy this is Important to You: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee ScheduleAgreement. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, drafts without sufficient available funds and incurring the resulting fees. Third Parties: You further understand and agree that we have no control over how the third parties (or entities who process transactions for them) you elect to do business with “code” transactions. For more information please refer instance, these third parties have full control over the amounts of transactions they may enter per your relationship with them; and they may code transactions as recurring or non-recurring which may affect the payment order of transactions and the application of any overdraft protection or courtesy pay services you have with us. You authorize us to accept transactions based upon the Discretionary Courtesy Pay Disclosure coding submitted by third parties; and section 16 that we may rely upon such coding in processing all transactions and services for you. “Multiple presentments”: Any item or transaction can be presented for payment multiple times, which is beyond the control of this Agreementthe Credit Union. Each presentment will be charged a separate overdraft fee even though it may be for a repeat presentment. Transactions you conduct at shared branching locations* Your ATM withdrawals Your debit card purchases conducted with a PIN Authorizations (holds) for your debit card purchases conducted using the VISA network** Transfers you conduct using our automated phone system (“000-000-0000”) Transfers you conduct using our Online Banking or Mobile Banking systems *Note that funds availability rules apply and funds deposited on a real time basis may not be made available immediately. For example, checks you deposit may be subject to uncollected funds holds. See our funds availability disclosures and shared branching rules for details. **The corresponding settlements may lag hours or days based on when the merchants submit them. We post settlement transactions at the time we receive them. Posting of that day’s ACH credits is followed by ACH debits, followed by checks ACH debits are posted by amount from small to large Checks are posted by amount from small to large. Posting by amount from small to large allows for the most items to be paid and helps you minimize fees.

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a items for each specific type of item transaction (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid generally posted as follows: checks are paid in order of check amount, lowest to highest; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highesthighest dollar amount if there are not available funds in the account; if there are available funds to cover all ACH debits, and generally then they are posted in the order presented in the file received; generally, we will receive up to four ACH presentment files per day. ; checks are paid by lowest to highest dollar amount; ATM/POS items are paid in the order they are presented. Items ; items performed in person person, such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed; however exceptions may occur. WHY THIS IS IMPORTANT TO YOUWhy this is Important to You: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee Scheduleelsewhere. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, drafts without sufficient available funds and incurring the resulting fees. Third Parties: You further understand and agree that we have no control over how the third parties (or entities who process transactions for them) you elect to do business with “code” transactions. For more information please refer instance, these third parties have full control over the amounts of transactions they may enter per your relationship with them; and they may code transactions as recurring or non-recurring which may affect the payment order of transactions and the application of any overdraft protection or courtesy pay services you have with us. You authorize us to accept transactions based upon the coding submitted by third parties; and that we may rely upon such coding in processing all transactions and services for you. IMPORTANT INFORAMTION ABOOUT FEES: Fees may be assessed with each item paid into overdraft or returned unpaid subject to the Discretionary Courtesy Pay Disclosure following: If an item is returned because the available balance in your account is not sufficient to cover the item and section 16 the item is presented for payment again, Fort Xxxxx Federal Credit Union will charge a Non-Sufficient Funds each time it returns the item because it exceeds the available balance in your account. If, on re-presentment of this Agreementthe item, the available balance in your account is sufficient to cover the item Fort Xxxxx Federal Credit Union may pay the item, and, if payment causes an overdraft, charge an Overdraft Privilege Fee. No overdraft fee will be assessed on ATM and everyday (one-time) debit card transactions unless Extended Overdraft Privilege Coverage is added to your account. The merchant informs the Credit Union if a debit card transaction is a one-time or recurring transaction. An overdraft fee can be assessed on recurring debit card transactions and any other item we pay into overdraft. Any overdraft or returned item fees assessed are deducted from your account during the morning of the next business day following our nightly process. Transactions you conduct at our teller counters such as deposits*, withdrawals, and cashing on-us checks Transactions you conduct at shared branching locations* Your ATM deposits* and withdrawals Your debit card purchases conducted with a PIN Authorizations (holds) for your debit card purchases conducted using the VISA network** Transfers you conduct using our automated phone system (“_Tel-info”) Transfers you conduct using our Online Banking or Mobile Banking systems *Note that funds availability rules apply and funds deposited on a real time basis may not be made available immediately. For example, checks you deposit may be subject to uncollected funds holds. See our funds availability disclosures and shared branching rules for details. **The corresponding settlements may lag hours or days based on when the merchants submit them. We post settlement transactions at the time we receive them. Posting of that day’s ACH credits is followed by ACH debits ACH debits are posted by dollar amount, lowest to highest and generally we see up to four ACH presentment files per day Checks are posted by in order of check number, lowest to highest, amount from small to large at close of business.

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: checks are paid in order of check amountnumber, lowest to highest; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highest, and generally we will receive up to four ACH presentment files per day. ; ATM/POS items are paid in the order they are presented. Items performed in person such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOUWhy this is Important to You: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee ScheduleAgreement. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, drafts without sufficient available funds and incurring the resulting fees. Third Parties: You further understand and agree that we have no control over how the third parties (or entities who process transactions for them) you elect to do business with “code” transactions. For more information please refer instance, these third parties have full control over the amounts of transactions they may enter per your relationship with them; and they may code transactions as recurring or non-recurring which may affect the payment order of transactions and the application of any overdraft protection or courtesy pay services you have with us. You authorize us to accept transactions based upon the Discretionary Courtesy Pay Disclosure coding submitted by third parties; and section 16 of this Agreementthat we may rely upon such coding in processing all transactions and services for you.

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: checks are paid in order of check amountnumber, lowest to highest; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highest, and generally we will receive up to four ACH presentment files per day. ; ATM/POS items are paid in the order they are presented. Items performed in person such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOUWhy this is Important to You: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee the Schedule. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, drafts without sufficient available funds and incurring the resulting feesfees.‌‌ Transactions you conduct at our teller counters such as deposits*, withdrawals, and cashing on-us checks Transactions you conduct at shared branching locations* Your ATM withdrawals Your debit card purchases conducted with a PIN Authorizations (holds) for your debit card purchases conducted using the VISA network** Transfers you conduct using our automated phone system (“000-000-0000”) Transfers you conduct using our Online Banking or Mobile Banking systems *Note that funds availability rules apply and funds deposited on a real time basis may not be made available immediately. For more information please refer example, checks you deposit may be subject to uncollected funds holds. See our funds availability disclosures and shared branching rules for details. **The corresponding settlements may lag hours or days based on when the Discretionary Courtesy Pay Disclosure merchants submit them. We post settlement transactions at the time we receive them. Posting of that day’s ACH credits is followed by ACH debits, followed by checks ACH debits are posted by amount from small to large Checks are posted by amount from small to large. Posting by amount from‌ small to large allows for the most items to be paid and section 16 of this Agreementhelps you minimize fees.

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive themthat your transactions may not be processed in the order in which they occurred, and the order in which the items are received and processed can affect the total amount of overdraft fees. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item many transactions. ATM items are processed in the order in which they are received. Automated Clearing House (CheckACH) items are processed when received; credit items are processed first and then debits. ACH debits, including items that were converted from checks to ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be are processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: checks are paid in order of check amount, by amount from lowest to highest; . After ACH items are processed, paper checks are then processed in each presentment file post credits first, then debits paid order by dollar amount, lowest to highest, and generally we will receive up to four ACH presentment files per daycheck number. ATM/POS items are paid in the order they are presented. Items performed in person such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOUWhy this is Important to You: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds and the Available Balance in your account is not sufficient to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee the Schedule. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, drafts without sufficient available funds and incurring the resulting fees. For more information please refer to the Discretionary Courtesy Pay Disclosure and section 16 of this Agreement.

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: checks are paid in order of check amountnumber, lowest to highest; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highest, and generally we will receive up to four ACH presentment files per day. ; ATM/POS items are paid in the order they are presented. Items performed in person such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOUWhy this is Important to You: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee ScheduleAgreement. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, drafts without sufficient available funds and incurring the resulting fees. Third Parties: You further understand and agree that we have no control over how the third parties (or entities who process transactions for them) you elect to do business with “code” transactions. For more information please refer instance, these third parties have full control over the amounts of transactions they may enter per your relationship with them; and they may code transactions as recurring or non-recurring which may affect the payment order of transactions and the application of any overdraft protection or courtesy pay services you have with us. You authorize us to accept transactions based upon the Discretionary Courtesy Pay Disclosure coding submitted by third parties; and section 16 that we may rely upon such coding in processing all transactions and services for you. “Multiple presentments”: Any item or transaction can be presented for payment multiple times, which is beyond the control of this Agreementthe Credit Union. Each presentment will be charged a separate overdraft fee even though it may be for a repeat presentment.

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). , etc.) It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: checks clearing through the Federal Reserve are paid in order of check amountdollar order, lowest to highest; ACH items in each presentment file post posts credits first, first then debits paid by dollar amount, lowest to highestin the order provided in the presentment file, and generally we will receive up to four process three or more ACH presentment files per day. ; and ATM/POS items are paid in the order they are presented. Items performed Transaction items presented in person such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOUWhy this is Important to You: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft Courtesy Pay (negative overdraft) or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee the Schedule. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, without sufficient available funds and incurring the resulting fees. For more information please refer to the Discretionary Courtesy Pay Disclosure and section 16 of this Agreement.

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: checks are paid in order of check amount, lowest to highest; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highest, and generally we will receive up to four ACH presentment files per day. ; and ATM/POS items are paid in the order they are presented. Items performed in person person, such as withdrawals or checks cashed at one of our locations or at a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOUWhy This is Important to You: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), ) but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item and charge an Insufficient Funds fee (NSF). In the event you are opted into Card Courtesy Pay(CRTSY PAY) and exceed your daily overdraft limit, you may be subject to NSF fees for items paid. The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee Schedulethe fee schedule. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, drafts without sufficient available funds and incurring the resulting fees. For more information please refer Multiple “presentments”: Any item or transaction can be presented for payment multiple times, which is beyond the control of the Credit Union. These multiple presentments by other parties may further overdraw your account balance. Each presentment will be charged a separate overdraft fee even though it may be for a repeat presentment. The Credit Union may return debits (ACH payments as well as other transactions) submitted for payment against your checking accounts if the amount of the debit exceeds the funds available in the applicable checking account. Each time we return a debit for insufficient funds, we will assess an NSF fee in the amount shown on our current Rate and Fee Schedule for each returned debit item. The entity that submitted the debit may submit another debit to the Discretionary Courtesy Pay Disclosure Credit Union even if we have already returned the prior debit for insufficient funds in the checking account. If the resubmitted debit again exceeds the funds available in the checking account, the Credit Union again will return the debit, resulting in an additional NSF fee. Thus, you may be charged multiple NSF fees in connection with a single debit that has been returned for insufficient funds multiple times. The reason for this is that when you authorize a merchant to process a payment from your account that merchant may present the transaction multiple times and section 16 of this Agreementin various ways when payment is declined for insufficient funds or otherwise. There is no way the Credit Union can identify such actions by the merchant you authorized.

Payment Order of Your Transactions. To assist you in handling your account(s) with us, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your account, our policy is to pay them as we receive them. We commonly receive items to be processed against your account(s) multiple times per day in what is referred to as presentment files. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: ; checks are paid in the order of check amount, lowest to highestthey are presented; ACH items in each presentment file post credits first, then debits paid by dollar amount, lowest to highestdebits, and generally we will receive up to four ACH presentment files per day. ; ATM/POS items are paid in the order they are presented. Items performed in person such as withdrawals or checks cashed at one of our locations or a shared branch, are generally paid at the time they are performed. WHY THIS IS IMPORTANT TO YOU. i. Why this is Important to You: The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item (NSF). The amounts of the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee ScheduleAgreement. We encourage you to make careful records and practice good account management. This will help you to avoid writing checks or drafts, or performing debit or other withdrawal orders, drafts without sufficient available funds and incurring the resulting fees. For more information please refer to the Discretionary Courtesy Pay Disclosure and section 16 of this Agreement.

Payment Order of Your Transactions. To assist you in handling your account(s) with usAccount, we are providing you with the following information regarding how we process the items that you authorize. When processing items drawn on your accountAccount, our policy is to we pay them as we receive them. We commonly receive items to be processed against your account(s) Account multiple times per during the day in what is referred to as “presentment files. .” Each presentment file received that we receive commonly contains a large amount number of a specific type of item (Check, ACH, ACH or ATM/POSDebit Card transactions). It is common for each of these presentment files to contain multiple items to be processed against your particular accountprocessed. In this case, when When we receive multiple items are received at once, we pay the items will be paid as followsin the following order: checks Checks are paid in order of check amountdollar amounts, lowest to highest; ACH items in each presentment file post credits first, are posted by settlement date. Credits are posted first and then debits paid by dollar amount, lowest to highest, . ATM and generally we will receive up to four ACH presentment files per day. ATM/POS items debit card transactions are paid in the order they are presented. Items performed Transactions conducted in person (such as withdrawals or checks cashed a withdrawal at one of our locations or a shared branch, locations) are generally paid at the time they are performedconducted. WHY THIS IS IMPORTANT TO YOUWhy this is Important to You: The order in which items are paid is important if there is not enough money in your account Account to pay all of the items that are presented. Our payment policy may cause your larger, and perhaps more important, items to not be paid first (such as your rent or mortgage payment), but may reduce the amount of overdraft or NSF fees you have to pay if funds are not available to pay all of the items. Please note that items are paid from the “available balance” in your account (as defined in paragraph 14a above). The actual balance in your account may be higher than the Available Balance, because a portion of the funds on deposit in your account may not be available due to debits authorized but not yet cleared. If an item is presented without sufficient available funds in your account to pay itAccount, we may, at our discretion, pay the item (creating an overdraft) or return the item for insufficient funds (an “NSF”). The amounts of We may impose a fee (as described in the overdraft and NSF fees are disclosed elsewhere in this Agreement and/or our Fee Schedule) for any overdraft or NSF. We encourage garnishment, attachment or levy is served on us that affects your Account; and (c) we have not been provided any documentation that we require. Under certain conditions, we also may refuse to allow or process a transaction if the Account secures an obligation owed to us or you are delinquent or fail to make careful records and practice good account management. This will help you pay a loan or any other obligation owed to avoid writing checks or drafts, or performing debit or other withdrawal orders, without sufficient available funds and incurring the resulting fees. For more information please refer to the Discretionary Courtesy Pay Disclosure and section 16 of this Agreementus when due.