Common use of Right to Opt Out Clause in Contracts

Right to Opt Out. You have the right to opt-out of this Arbitration Agreement and it will not affect any other terms and conditions of your Account Agreement or your relationship with Dacotah Bank. To opt out, you must notify Dacotah Bank in writing of your intent to do so within 30 days after the Effective Date. Your opt-out will not be effective and you will be deemed to have consented and agreed to the Arbitration Agreement unless your notice of intent to opt out is received by Dacotah Bank in writing at 000 Xxxxx Xxxx Xxxxxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 within such 30 day time period. Your notice of intent to opt out can be a letter that is signed by you or an email sent by you that states “I elect to opt out of the Arbitration Agreement” or any words to that effect. FOR MORE DETAILS or if you have questions, you may call us or visit a branch. If you have questions about AAA procedures, you should check AAA’s website, xxx.xxx.xxx, OR call AAA at (000) 000-0000. IF YOU WERE A “COVERED BORROWER” UNDER THE MILITARY LENDING ACT AT THE TIME THE ACCOUNT WAS ESTABLISHED, (I) THE ABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVER PROVISION, (II) ANY WAIVER OF THE RIGHT TO LEGAL RECOURSE UNDER ANY OTHERWISE APPLICABLE PROVISION OF STATE OR FEDERAL LAW, AND (III) ANY OTHER PROVISION OF THIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MILITARY LENDING ACT, WILL NOT APPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWER.”

Right to Opt Out. You have the right to opt-out of this Arbitration Agreement and it will not affect any other terms and conditions provision, provided You notify the Credit Union of your Account Agreement or your relationship with Dacotah Bank. To opt out, you must notify Dacotah Bank in writing of your Your intent to do so within 30 60 days after the Effective Dateit is provided to You. Your opt-out will not be is only effective if You notify the Credit Union in writing at PACU ATTN: Member Ops, PO BOX 2178 Chatsworth CA 91313-2178 within such 60 day time period and you provide Your name, address and Member Number in such written notice. If You fail to opt-out within this 60 day period, You will be deemed to have consented and agreed to the Arbitration Agreement unless your notice resolution of intent to opt out is received by Dacotah Bank in writing at 000 Xxxxx Xxxx XxxxxxYour Claims through binding arbitration. In the event You opt-out, X.X. Xxx 0000, Xxxxxxxx, XX 00000 within such 30 day time period. it shall not affect other terms and conditions of Your notice of intent to opt out can be a letter that is signed by you or an email sent by you that states “I elect to opt out of the Arbitration Account Agreement” or any words to that effect. FOR MORE DETAILS or if you You have questions, you You may call us the Credit Union or visit a branch. If you You have questions about AAA procedures, you You should check AAA’s 's website, xxx.xxx.xxx, OR call AAA at (000) 000-0000. IF YOU WERE A “COVERED BORROWER” UNDER THE MILITARY LENDING ACT AT THE TIME THE ACCOUNT WAS ESTABLISHEDCONSENT TO AGREEMENT You agree to and accept the terms of this Agreement And Disclosure by signing the application for Your Account; by signing this Agreement And Disclosure; by using Your Account; by using any Account access device; or by using or authorizing another to use Your Account. SPECIFIC TERMS APPLICABLE TO YOUR MASTERCARD, (I) THE ABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVER PROVISIONSTUDENT MASTERCARD, (II) ANY WAIVER OF THE RIGHT TO LEGAL RECOURSE UNDER ANY OTHERWISE APPLICABLE PROVISION OF STATE OR FEDERAL LAWSECURED MASTERCARD, AND (III) ANY OTHER PROVISION PREMIER PRIVILEGES REWARDS MASTERCARD CREDIT CARDS USE OF THIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MILITARY LENDING ACTYOUR CARD You may use Your Card to buy goods and services in any place that the Card is honored and to get cash advances from participating ATMs. You agree not to use Your Card for illegal transactions including, WILL NOT APPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWERbut not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law. Additionally, You agree not to utilize Your Credit Card accounts for the purchase of any goods or services on the Internet that involve gambling of any sort. Such transactions include, but may not be limited to, any quasi- cash or online gambling transaction, any electronic commerce transaction conducted over an open network, and any betting transaction including the purchase of lottery tickets or casino gaming chips or off-track betting or wagering. However, in the event that a charge or transaction described in this paragraph is approved and processed, You will still be responsible for such charges.”

Right to Opt Out. You have In the event that you do not wish to be bound by Section 12, then you must notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 by: (i) completing the Opt Out Form located at xxxx://xxx.xxxx.xxx/downloads/legal/arbitration-opt-out.pdf and sending it to the Legal Dispute Resolution Notice Address (i.e., DISH Network L.L.C., Attn: Dispute Resolution, P.O. Box 9033, Littleton, Colorado 80160-9033); or (ii) otherwise providing written notification to DISH at the Legal Dispute Resolution Notice Address that includes: (1) your name and account number; (2) your service address; and (3) a clear statement that you do not wish to resolve Disputes with DISH through arbitration. Your decision to opt out of Section 12 will have no adverse effect on your relationship with DISH or DISH’s delivery of Service(s) to you. Any opt-out of this Arbitration Agreement and it will not affect any other terms and conditions of your Account Agreement or your relationship with Dacotah Bank. To opt out, you must notify Dacotah Bank in writing of your intent to do so received within 30 days after the Effective Date. Your opt-out thirty (30) day period set forth above will not be effective valid and you must pursue your Disputes (if any) as an individual action, either through binding arbitration or in small claims court, pursuant to and in accordance with Section 12 (excluding this Section 12(H), which in such event will no longer apply). In the event that you are a new DISH customer, then your activation of a DISH account or receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date of activation of your account shall constitute your acknowledgment and agreement that you are bound by Section 12. In the event that you are an existing DISH customer, then your continued receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 shall constitute your acknowledgment and agreement that you are bound by Section 12. We will be deemed to have consented and agreed to the Arbitration Agreement unless your given you notice of intent your right to opt out is received by Dacotah Bank in writing at 000 Xxxxx Xxxx Xxxxxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 within such 30 day time period. Your notice of intent to opt out can be a letter that is signed by you or an email sent by you that states “I elect to opt out of Section 12 as follows: (a) in the Arbitration Agreement” event that we send you notice by U.S. mail (including, without limitation, on a mailed bill, bill insert, notice, letter or any words postcard), then it will be considered given three (3) days after it is first deposited in the U.S. mail, addressed to you at your billing address then appearing in our records; (b) in the event that effect. FOR MORE DETAILS we send you notice electronically (including, without limitation, via an e-mail, electronic bill, social media message or if attachment), then it will be considered given at the time we first send an electronic communication containing such notice or notifying you have questionsof the availability of such notice (or the electronic bill in which it is included) to the electronic contact information (including, you may call us without limitation, e-mail address or visit a branch. If you have questions about AAA proceduressocial media (e.g., you should check AAA’s websiteFacebook, xxx.xxx.xxx, OR call AAA at (000Twitter) 000-0000. IF YOU WERE A “COVERED BORROWER” UNDER THE MILITARY LENDING ACT AT THE TIME THE ACCOUNT WAS ESTABLISHED, (Iidentifier) THE ABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVER PROVISION, (II) ANY WAIVER OF THE RIGHT TO LEGAL RECOURSE UNDER ANY OTHERWISE APPLICABLE PROVISION OF STATE OR FEDERAL LAW, AND (III) ANY OTHER PROVISION OF THIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MILITARY LENDING ACT, WILL NOT APPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWER.”then appearing in our records; and

Right to Opt Out. You have In the event that you do not wish to be bound by Section 12, then you must notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 by: (i) completing the Opt Out Form located at xxxx://xxx.xxxx.xxx/downloads/legal/arbitration-opt-out.pdf and sending it to the Legal Dispute Resolution Notice Address (i.e., DISH Network L.L.C., Attn: Dispute Resolution, P.O. Box 9040, Littleton, Colorado 80120-9040); or (ii) otherwise providing written notification to DISH at the Legal Dispute Resolution Notice Address that includes: (1) your name and account number; (2) your service address; and (3) a clear statement that you do not wish to resolve Disputes with DISH through arbitration. Your decision to opt out of Section 12 will have no adverse effect on your relationship with DISH or DISH’s delivery of Service(s) to you. Any opt-out of this Arbitration Agreement and it will not affect any other terms and conditions of your Account Agreement or your relationship with Dacotah Bank. To opt out, you must notify Dacotah Bank in writing of your intent to do so received within 30 days after the Effective Date. Your opt-out thirty (30) day period set forth above will not be effective valid and you must pursue your Disputes (if any) as an individual action, either through binding arbitration or in small claims court, pursuant to and in accordance with Section 12 (excluding this Section 12(H), which in such event will no longer apply). In the event that you are a new DISH customer, then your activation of a DISH account or receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date of activation of your account shall constitute your acknowledgment and agreement that you are bound by Section 12. In the event that you are an existing DISH customer, then your continued receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 shall constitute your acknowledgment and agreement that you are bound by Section 12. We will be deemed to have consented and agreed to the Arbitration Agreement unless your given you notice of intent your right to opt out is received by Dacotah Bank in writing at 000 Xxxxx Xxxx Xxxxxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 within such 30 day time period. Your notice of intent to opt out can be a letter that is signed by you or an email sent by you that states “I elect to opt out of Section 12 as follows: (a) in the Arbitration Agreement” event that we send you notice by U.S. mail (including, without limitation, on a mailed bill, bill insert, notice, letter or any words postcard), then it will be considered given three (3) days after it is first deposited in the U.S. mail, addressed to you at your billing address then appearing in our records; (b) in the event that effect. FOR MORE DETAILS we send you notice electronically (including, without limitation, via an e-mail, electronic bill, social media message or if attachment), then it will be considered given at the time we first send an electronic communication containing such notice or notifying you have questionsof the availability of such notice (or the electronic bill in which it is included) to the electronic contact information (including, you may call us without limitation, e-mail address or visit a branch. If you have questions about AAA proceduressocial media (e.g., you should check AAA’s websiteFacebook, xxx.xxx.xxx, OR call AAA at (000Twitter) 000-0000. IF YOU WERE A “COVERED BORROWER” UNDER THE MILITARY LENDING ACT AT THE TIME THE ACCOUNT WAS ESTABLISHED, (Iidentifier) THE ABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVER PROVISION, (II) ANY WAIVER OF THE RIGHT TO LEGAL RECOURSE UNDER ANY OTHERWISE APPLICABLE PROVISION OF STATE OR FEDERAL LAW, AND (III) ANY OTHER PROVISION OF THIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MILITARY LENDING ACT, WILL NOT APPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWER.”then appearing in our records; and

Right to Opt Out. You have In the event that you do not wish to be bound by Section 12, then you must notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 by: (i) completing the Opt Out Form located at xxxx://xxx.xxxx.xxx/downloads/legal/arbitration-opt-out.pdf and sending it to the Legal Dispute Resolution Notice Address (i.e., DISH Network L.L.C., Attn: Dispute Resolution, P.O. Box 9040, Littleton, Colorado 80120-9040); or (ii) otherwise providing written notification to DISH at the Legal Dispute Resolution Notice Address that includes: (1) your name and account number; (2) your service address; and (3) a clear statement that you do not wish to resolve Disputes with DISH through arbitration. Your decision to opt out of Section 12 will have no adverse effect on your relationship with DISH or DISH’s delivery of Service(s) to you. Any opt-out of this Arbitration Agreement and it will not affect any other terms and conditions of your Account Agreement or your relationship with Dacotah Bank. To opt out, you must notify Dacotah Bank in writing of your intent to do so received within 30 days after the Effective Date. Your opt-out thirty (30) day period set forth above will not be effective valid and you must pursue your Disputes (if any) as an individual action, either through binding arbitration or in small claims court, pursuant to and in accordance with Section 12 (excluding this Section 12(H), which in such event will no longer apply). In the event that you are a new DISH customer, then your activation of a DISHaccount or receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date of activation of your account shall constitute your acknowledgment and agreement that you are bound by Section 12. In the event that you are an existing DISH customer, then your continued receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 shall constitute your acknowledgment and agreement that you are bound by Section 12. We will be deemed to have consented and agreed to the Arbitration Agreement unless your given you notice of intent your right to opt out is received by Dacotah Bank in writing at 000 Xxxxx Xxxx Xxxxxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 within such 30 day time period. Your notice of intent to opt out can be a letter that is signed by you or an email sent by you that states “I elect to opt out of Section 12 as follows: (a) in the Arbitration Agreement” event that we send you notice by U.S. mail (including, without limitation, on a mailed bill, bill insert, notice, letter or any words postcard), then it will be considered given three (3) days after it is first deposited in the U.S. mail, addressed to you at your billing address then appearing in our records; (b) in the event that effect. FOR MORE DETAILS we send you notice electronically (including, without limitation, via an e-mail, electronic bill, social media message or if attachment), then it will be considered given at the time we first send an electronic communication containing such notice or notifying you have questionsof the availability of such notice (or the electronic bill in which it is included) to the electronic contact information (including, you may call us without limitation, e-mail address or visit a branch. If you have questions about AAA proceduressocial media (e.g., you should check AAA’s websiteFacebook, xxx.xxx.xxx, OR call AAA at (000Twitter) 000-0000. IF YOU WERE A “COVERED BORROWER” UNDER THE MILITARY LENDING ACT AT THE TIME THE ACCOUNT WAS ESTABLISHED, (Iidentifier) THE ABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVER PROVISION, (II) ANY WAIVER OF THE RIGHT TO LEGAL RECOURSE UNDER ANY OTHERWISE APPLICABLE PROVISION OF STATE OR FEDERAL LAW, AND (III) ANY OTHER PROVISION OF THIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MILITARY LENDING ACT, WILL NOT APPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWER.”then appearing in our records; and

Right to Opt Out. You have the right to opt-out of this Arbitration Agreement and it will not affect any other terms and conditions of your Account Agreement or your relationship with Dacotah Bankthe Credit Union. To opt out, you must notify Dacotah Bank the credit union in writing of your intent to do so within 30 300 days after the Effective DateArbitration Agreement was provided to you. Your opt-out will not be effective and you will be deemed to have consented and agreed to the Arbitration Agreement unless your notice of intent to opt out is received by Dacotah Bank the credit union in writing at 000 Xxxxx XX Xxx 000, Xxxx Xxxxxx, X.X. Xxx 0000, Xxxxxxxxxx Xxx, XX 00000 00000, within such 30 day time period. Your notice of intent to opt out can be a letter that is signed by you or an email sent by you that states “I elect to opt out of the Arbitration Agreement” or any words to that effect. FOR MORE DETAILS or if you have questions, you may call us or visit a branch. If you have questions about AAA procedures, you should check AAA’s website, xxx.xxx.xxx, OR call AAA at (000) 000-0000. IF YOU WERE Please note that this disclosure relates to consumer (non-commercial/business) checking only. IMPORTANT INFORMATION ABOUT YOUR CHECKING ACCOUNT SUBSTITUTE CHECKS AND YOUR RIGHTS What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Marine Credit Union XX Xxx 000 000 Xxxxxxxxx Xxxxxxxx Xx Xxxx xx xxx XX 00000-0000 0.000.000.0000 xxxx@xxxxxxxx.xxx You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: • A “COVERED BORROWER” UNDER THE MILITARY LENDING ACT AT THE TIME THE ACCOUNT WAS ESTABLISHEDdescription of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • An estimate of the amount of your loss; • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A copy of the substitute check [and/or] the following information to help us identify the substitute check: (I) THE ABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVER PROVISIONidentifying information, (II) ANY WAIVER OF THE RIGHT TO LEGAL RECOURSE UNDER ANY OTHERWISE APPLICABLE PROVISION OF STATE OR FEDERAL LAWfor example the check number, AND (III) ANY OTHER PROVISION OF THIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MILITARY LENDING ACTthe name of the person to whom you wrote the check, WILL NOT APPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWERthe amount of the check).”

Right to Opt Out. You have the right to opt-out of this Arbitration Agreement and it will not affect any other terms and conditions of your Account Agreement or your relationship with Dacotah Bankthe Credit Union. To opt out, you must notify Dacotah Bank the credit union in writing of your intent to do so within 30 days after the Effective DateArbitration Agreement was provided to you. Your opt-out will not be effective and you will be deemed to have consented and agreed to the Arbitration Agreement unless your notice of intent to opt out is received by Dacotah Bank the credit union in writing at 000 Xxxxx Xxxx Xxxxxx, X.X. XX Xxx 0000000, Xxxxxxxx, XX 00000 00000, within such 30 day time period. Your notice of intent to opt out can be a letter that is signed by you or an email sent by you that states “I elect to opt out of the Arbitration Agreement” or any words to that effect. FOR MORE DETAILS or if you have questions, you may call us or visit a branch. If you have questions about AAA procedures, you should check AAA’s website, xxx.xxx.xxx, OR call AAA at (000) 000-0000. IF YOU WERE Please note that this disclosure relates to consumer (non-commercial/business) checking only. IMPORTANT INFORMATION ABOUT YOUR CHECKING ACCOUNT SUBSTITUTE CHECKS AND YOUR RIGHTS What is a substitute check? To make check processing faster, federal law permits banks to replace original checks with "substitute checks." These checks are similar in size to original checks with a slightly reduced image of the front and back of the original check. The front of a substitute check states: "This is a legal copy of your check. You can use it the same way you would use the original check." You may use a substitute check as proof of payment just like the original check. Some or all of the checks that you receive back from us may be substitute checks. This notice describes rights you have when you receive substitute checks from us. The rights in this notice do not apply to original checks or to electronic debits to your account. However, you have rights under other law with respect to those transactions. What are my rights regarding substitute checks? In certain cases, federal law provides a special procedure that allows you to request a refund for losses you suffer if a substitute check is posted to your account (for example, if you think that we withdrew the wrong amount from your account or that we withdrew money from your account more than once for the same check). The losses you may attempt to recover under this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, bounced check fees). The amount of your refund under this procedure is limited to the amount of your loss or the amount of the substitute check, whichever is less. You also are entitled to interest on the amount of your refund if your account is an interest-bearing account. If your loss exceeds the amount of the substitute check, you may be able to recover additional amounts under other law. If you use this procedure, you may receive up to $2,500 of your refund (plus interest if your account earns interest) within 10 business days after we received your claim and the remainder of your refund (plus interest if your account earns interest) not later than 45 calendar days after we received your claim. We may reverse the refund (including any interest on the refund) if we later are able to demonstrate that the substitute check was correctly posted to your account. How do I make a claim for a refund? If you believe that you have suffered a loss relating to a substitute check that you received and that was posted to your account, please contact us at: Marine Credit Union XX Xxx 000 Xxxxxxxx, XX 00000-0000 0.000.000.0000 xxxx@xxxxxxxx.xxx You must contact us within 40 calendar days of the date that we mailed (or otherwise delivered by a means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this time period if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: • A “COVERED BORROWER” UNDER THE MILITARY LENDING ACT AT THE TIME THE ACCOUNT WAS ESTABLISHEDdescription of why you have suffered a loss (for example, you think the amount withdrawn was incorrect); • An estimate of the amount of your loss; • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss; and • A copy of the substitute check [and/or] the following information to help us identify the substitute check: (Iidentifying information, for example the check number, the name of the person to whom you wrote the check, the amount of thecheck). Funds Availability Policy Disclosure This policy disclosure describes your ability to withdraw funds at Marine Credit Union (MCU). It only applies to the availability of funds in transaction accounts. Transaction accounts are accounts that do not limit the number or types of withdrawals or transfers you may make. The credit union reserves the right to delay the availability of funds deposited to non-transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have questions about which of your accounts are affected by this policy disclosure. General Policy – Our policy is to make funds from cash, checks drawn on MCU, wire transfers, and electronic direct deposits to your account available on the same business day we receive the deposit. Reservation of Right to Hold – MCU reserves the right to delay the availability of funds deposited by check. Funds may not be available until the second business day after the day of your deposit. However, the first $225 of your deposit will be available on the first business day after your deposit. You will be notified of any delays in availability, and told when the funds will be available, at the time you make your deposit. Determining the Availability of a Deposit – When we delay the availability of a deposit, the length of the delay is determined by counting the business days from the day of your deposit. Everyday is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit with a credit union employee before the close of business on a business day we are open, we will consider that day to be the day of your deposit. Deposits, whether cash or checks, made without the assistance of a credit union employee, such as through the night drop, automated teller machine (ATM) THE ABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVER PROVISIONor by mail, will not be considered to be deposited until the first business day after you delivered the cash or checks into the receptacle or said items are delivered by the postal service. The length of the delay varies depending on the type of deposit which is explained below. Availability of Check Deposits – MCU considers all checks drawn on United States financial institutions to be local checks. The funds from the deposit of local checks will typically be immediately available. In those infrequent cases where funds are not immediately available, the first $225 from a deposit of local checks will be available on the first business day after the day of your deposit. The remaining funds will be available on the second business day after the day of your deposit. For example, if you deposit a local check of $700 on a Monday, $225 of the deposit will be available by Tuesday. The remaining $475 will be available on Wednesday. Holds On Other Funds – If we cash a check for you that is drawn on another financial institution, we may withhold the availability of a corresponding amount of funds that are already in this or any of your account(s). Those funds will be available at the time funds from the check we cashed would have been available if you had deposited it. Longer Delays May Apply - Funds you deposit by check may be delayed for a longer period under the following circumstances: • We believe a check you deposited will not be paid. • You deposit checks totaling more than $5,525 on any one day. • You deposit a check that has been returned unpaid. • You have overdrawn your account repeatedly in the last six (II6) ANY WAIVER OF THE RIGHT TO LEGAL RECOURSE UNDER ANY OTHERWISE APPLICABLE PROVISION OF STATE OR FEDERAL LAWmonths. • There is an emergency, AND (III) ANY OTHER PROVISION OF THIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MILITARY LENDING ACTsuch as failure of communications or computer equipment. • Third party checks. We will notify you if we delay your ability to withdraw funds for any of these reasons, WILL NOT APPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWERand we will tell you when the funds will be available. They will generally be available no later than the seventh business day after the day of your deposit. If your deposit is not made directly to one of our employees, or if we decide that a longer hold may apply after you have left the credit union, we will mail you the notice by the day after we receive your deposit. If you need the funds from a deposit right away, you should ask us when the funds would be available.”

Right to Opt Out. You have In the event that you do not wish to be bound by Section 12, then you must notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 by: (i) completing the Opt Out Form located at xxxx://xxx.xxxx.xxx/downloads/legal/arbitration-opt-out.pdf and sending it to the Legal Dispute Resolution Notice Address (i.e., DISH Network L.L.C., Attn: Dispute Resolution, P.O. Box 9033, Littleton, Colorado 80160-9033); or (ii) otherwise providing written notification to DISH at the Legal Dispute Resolution Notice Address that includes: (1) your name and account number; (2) your service address; and (3) a clear statement that you do not wish to resolve Disputes with DISH through arbitration. Your decision to opt out of Section 12 will have no adverse effect on your relationship with DISH or DISH’s delivery of Service(s) to you. Any opt-out of this Arbitration Agreement and it will not affect any other terms and conditions of your Account Agreement or your relationship with Dacotah Bank. To opt out, you must notify Dacotah Bank in writing of your intent to do so received within 30 days after the Effective Date. Your opt-out thirty (30) day period set forth above will not be effective valid and you must pursue your Disputes (if any) as an individual action, either through binding arbitration or in small claims court, pursuant to and in accordance with Section 12 (excluding this Section 12(H), which in such event will no longer apply). In the event that you are a new DISH customer, then your activation of a DISH account or receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date of activation of your account shall constitute your acknowledgment and agreement that you are bound by Section 12. In the event that you are an existing DISH customer, then your continued receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 shall constitute your acknowledgment and agreement that you are bound by Section 12. We will be deemed to have consented and agreed to the Arbitration Agreement unless your given you notice of intent your right to opt out is received by Dacotah Bank in writing at 000 Xxxxx Xxxx Xxxxxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 within such 30 day time period. Your notice of intent to opt out can be a letter that is signed by you or an email sent by you that states “I elect to opt out of Section 12 as follows: (a) in the Arbitration Agreement” event that we send you notice by U.S. mail (including, without limitation, on a mailed bill, bill insert, notice, letter or any words postcard), then it will be considered given three (3) days after it is first deposited in the U.S. mail, addressed to you at your billing address then appearing in our records; (b) in the event that effect. FOR MORE DETAILS we send you notice electronically (including, without limitation, via an e-mail, electronic bill, social media message or if attachment), then it will be considered given at the time we first send an electronic communication containing such notice or notifying you have questionsof the availability of such notice (or the electronic bill in which it is included) to the electronic contact information (including, without limitation, e-mail address or social media (e.g., Facebook, Twitter) identifier) then appearing in our records; and (c) in the event that we send you may call us notice via broadcast on a television channel, or visit a branch. If you have questions about AAA procedureson your receiver(s) (including, you should check AAA’s without limitation, through pop-up messages sent to your receiver) or through publication on xxxx.xxx, xxxxxx.xxx, xxxx.xxx/xxxxx or other website, xxx.xxx.xxxthen it will be considered given when first broadcast, OR call AAA at (000) 000-0000. IF YOU WERE A “COVERED BORROWER” UNDER THE MILITARY LENDING ACT AT THE TIME THE ACCOUNT WAS ESTABLISHED, (I) THE ABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVER PROVISION, (II) ANY WAIVER OF THE RIGHT TO LEGAL RECOURSE UNDER ANY OTHERWISE APPLICABLE PROVISION OF STATE OR FEDERAL LAW, AND (III) ANY OTHER PROVISION OF THIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MILITARY LENDING ACT, WILL NOT APPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWERsent or published.”

Right to Opt Out. You have In the event that you do not wish to be bound by Section 12, then you must notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 by: (i) completing the Opt Out Form located at xxxx://xxx.xxxx.xxx/downloads/legal/arbitration-opt-out.pdf and sending it to the Legal Dispute Resolution Notice Address (i.e., DISH Network L.L.C., Attn: Dispute Resolution, P.O. Box 9040, Littleton, Colorado 80120-9040); or (ii) otherwise providing written notification to DISH at the Legal Dispute Resolution Notice Address that includes: (1) your name and account number; (2) your service address; and (3) a clear statement that you do not wish to resolve Disputes with DISH through arbitration. Your decision to opt out of Section 12 will have no adverse effect on your relationship with DISH or DISH’s delivery of Service(s) to you. Any opt-out of this Arbitration Agreement and it will not affect any other terms and conditions of your Account Agreement or your relationship with Dacotah Bank. To opt out, you must notify Dacotah Bank in writing of your intent to do so received within 30 days after the Effective Date. Your opt-out thirty (30) day period set forth above will not be effective valid and you must pursue your Disputes (if any) as an individual action, either through binding arbitration or in small claims court, pursuant to and in accordance with Section 12 (excluding this Section 12(H), which in such event will no longer apply). In the event that you are a new DISH customer, then your activation of a DISHaccount or receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date of activation of your account shall constitute your acknowledgment and agreement that you are bound by Section 12. In the event that you are an existing DISH customer, then your continued receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 shall constitute your acknowledgment and agreement that you are bound by Section 12. We will be deemed to have consented and agreed to the Arbitration Agreement unless your given you notice of intent your right to opt out is received by Dacotah Bank in writing at 000 Xxxxx Xxxx Xxxxxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 within such 30 day time period. Your notice of intent to opt out can be a letter that is signed by you or an email sent by you that states “I elect to opt out of Section 12 as follows: (a) in the Arbitration Agreement” event that we send you notice by U.S. mail (including, without limitation, on a mailed bill, bill insert, notice, letter or any words postcard), then it will be considered given three (3) days after it is first deposited in the U.S. mail, RadedsirdeesnsteidaltCousytoomueartAygoreuermbenillti(nJganuaadrdyr2e0s2s1)then appearing 1in0 our records; (b) in the event that we send you notice electronically (including, without limitation, via an e-mail, electronic bill, social media message or attachment), then it will be considered given at the time we first send an electronic communication containing such notice or notifying you of the availability of such notice (or the electronic bill in which it is included) to that effect. FOR MORE DETAILS the electronic contact information (including, without limitation, e-mail address or if you have questionssocial media (e.g., you may call us or visit a branch. If you have questions about AAA proceduresFacebook, you should check AAA’s website, xxx.xxx.xxx, OR call AAA at (000Twitter) 000-0000. IF YOU WERE A “COVERED BORROWER” UNDER THE MILITARY LENDING ACT AT THE TIME THE ACCOUNT WAS ESTABLISHED, (Iidentifier) THE ABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVER PROVISION, (II) ANY WAIVER OF THE RIGHT TO LEGAL RECOURSE UNDER ANY OTHERWISE APPLICABLE PROVISION OF STATE OR FEDERAL LAW, AND (III) ANY OTHER PROVISION OF THIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MILITARY LENDING ACT, WILL NOT APPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWER.”then appearing in our records; and

Right to Opt Out. You have In the event that you do not wish to be bound by Section 12, then you must notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 by: (i) completing the Opt Out Form located at xxxx://xxx.xxxx.xxx/downloads/legal/arbitration-opt-out.pdf and sending it to the Legal Dispute Resolution Notice Address (i.e., DISH Network L.L.C., Attn: Dispute Resolution, P.O. Box 9040, Littleton, Colorado 80120-9040); or (ii) otherwise providing written notification to DISH at the Legal Dispute Resolution Notice Address that includes: (1) your name and account number; (2) your service address; and (3) a clear statement that you do not wish to resolve Disputes with DISH through arbitration. Your decision to opt out of Section 12 will have no adverse effect on your relationship with DISH or DISH’s delivery of Service(s) to you. Any opt-out of this Arbitration Agreement and it will not affect any other terms and conditions of your Account Agreement or your relationship with Dacotah Bank. To opt out, you must notify Dacotah Bank in writing of your intent to do so received within 30 days after the Effective Date. Your opt-out thirty (30) day period set forth above will not be effective valid and you must pursue your Disputes (if any) as an individual action, either through binding arbitration or in small claims court, pursuant to and in accordance with Section 12 (excluding this Section 12(H), which in such event will no longer apply). In the event that you are a new DISH customer, then your activation of a DISHaccount or receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date of activation of your account shall constitute your acknowledgment and agreement that you are bound by Section 12. In the event that you are an existing DISH customer, then your continued receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 shall constitute your acknowledgment and agreement that you are bound by Section 12. We will be deemed to have consented and agreed to the Arbitration Agreement unless your given you notice of intent your right to opt out is received by Dacotah Bank in writing at 000 Xxxxx Xxxx Xxxxxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 within such 30 day time period. Your notice of intent to opt out can be a letter that is signed by you or an email sent by you that states “I elect to opt out of Section 12 as follows: (a) in the Arbitration Agreement” event that we send you notice by U.S. mail (including, without limitation, on a mailed bill, bill insert, notice, letter or any words postcard), then it will be considered given three (3) days after it is first deposited in the U.S. mail, electronically (including, without limitation, via an e-mail, electronic bill, social media message or attachment), then it will be considered given at the time we first send an electronic communication containing such notice or notifying you of the availability of such notice (or the electronic bill in which it is included) to that effect. FOR MORE DETAILS the electronic contact information (including, without limitation, e-mail address or if you have questionssocial media (e.g., you may call us or visit a branch. If you have questions about AAA proceduresFacebook, you should check AAA’s website, xxx.xxx.xxx, OR call AAA at (000Twitter) 000-0000. IF YOU WERE A “COVERED BORROWER” UNDER THE MILITARY LENDING ACT AT THE TIME THE ACCOUNT WAS ESTABLISHED, (Iidentifier) THE ABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVER PROVISION, (II) ANY WAIVER OF THE RIGHT TO LEGAL RECOURSE UNDER ANY OTHERWISE APPLICABLE PROVISION OF STATE OR FEDERAL LAW, AND (III) ANY OTHER PROVISION OF THIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MILITARY LENDING ACT, WILL NOT APPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWER.”then appearing in our records; and

Right to Opt Out. You have In the event that you do not wish to be bound by Section 12, then you must notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 by: (i) completing the Opt Out Form located at xxxx://xxx.xxxx.xxx/downloads/legal/arbitration-opt-out.pdf and sending it to the Legal Dispute Resolution Notice Address (i.e., DISH Network L.L.C., Attn: Dispute Resolution, P.O. Box 9040, Littleton, Colorado 80120-9040); or (ii) otherwise providing written notification to DISH at the Legal Dispute Resolution Notice Address that includes: (1) your name and account number; (2) your service address; and (3) a clear statement that you do not wish to resolve Disputes with DISH through arbitration. Your decision to opt out of Section 12 will have no adverse effect on your relationship with DISH or DISH’s delivery of Service(s) to you. Any opt-out of this Arbitration Agreement and it will not affect any other terms and conditions of your Account Agreement or your relationship with Dacotah Bank. To opt out, you must notify Dacotah Bank in writing of your intent to do so received within 30 days after the Effective Date. Your opt-out thirty (30) day period set forth above will not be effective valid and you must pursue your Disputes (if any) as an individual action, either through binding arbitration or in small claims court, pursuant to and in accordance with Section 12 (excluding this Section 12(H), which in such event will no longer apply). In the event that you are a new DISH customer, then your activation of a DISH account or receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date of activation of your account shall constitute your acknowledgment and agreement that you are bound by Section 12. In the event that you are an existing DISH customer, then your continued receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 shall constitute your acknowledgment and agreement that you are bound by Section 12. We will be deemed to have consented and agreed to the Arbitration Agreement unless your given you notice of intent your right to opt out is received by Dacotah Bank in writing at 000 Xxxxx Xxxx Xxxxxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 within such 30 day time period. Your notice of intent to opt out can be a letter that is signed by you or an email sent by you that states “I elect to opt out of Section 12 as follows: (a) in the Arbitration Agreement” event that we send you notice by U.S. mail (including, without limitation, on a mailed bill, bill insert, notice, letter or any words postcard), then it will be considered given three (3) days after it is first deposited in the U.S. mail, addressed to you at your billing address then appearing in our records; (b) in the event that effect. FOR MORE DETAILS we send you notice electronically (including, without limitation, via an e-mail, electronic bill, social media message or if attachment), then it will be considered given at the time we first send an electronic communication containing such notice or notifying you have questionsof the availability of such notice (or the electronic bill in which it is included) to the electronic contact information (including, without limitation, e-mail address or social media (e.g., Facebook, Twitter) identifier) then appearing in our records; and (c) in the event that we send you may call us notice via broadcast on a television channel, or visit a branch. If you have questions about AAA procedureson your receiver(s) (including, you should check AAA’s without limitation, through pop-up messages sent to your receiver) or through publication on xxxx.xxx, xxxxxx.xxx, xxxx.xxx/xxxxx or other website, xxx.xxx.xxxthen it will be considered given when first broadcast, OR call AAA at (000) 000-0000. IF YOU WERE A “COVERED BORROWER” UNDER THE MILITARY LENDING ACT AT THE TIME THE ACCOUNT WAS ESTABLISHED, (I) THE ABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVER PROVISION, (II) ANY WAIVER OF THE RIGHT TO LEGAL RECOURSE UNDER ANY OTHERWISE APPLICABLE PROVISION OF STATE OR FEDERAL LAW, AND (III) ANY OTHER PROVISION OF THIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MILITARY LENDING ACT, WILL NOT APPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWERsent or published.”

Right to Opt Out. You have In the event that you do not wish to be bound by Section 12, then you must notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 by: (i) completing the Opt Out Form located at xxxx://xxx.xxxx.xxx/downloads/legal/arbitration-opt-out.pdf and sending it to the Legal Dispute Resolution Notice Address (i.e., DISH Network L.L.C., Attn: Dispute Resolution, P.O. Box 9040, Littleton, Colorado 80120-9040); or (ii) otherwise providing written notification to DISH at the Legal Dispute Resolution Notice Address that includes: (1) your name and account number; (2) your service address; and (3) a clear statement that you do not wish to resolve Disputes with DISH through arbitration. Your decision to opt out of Section 12 will have no adverse effect on your relationship with DISH or DISH’s delivery of Service(s) to you. Any opt-out of this Arbitration Agreement and it will not affect any other terms and conditions of your Account Agreement or your relationship with Dacotah Bank. To opt out, you must notify Dacotah Bank in writing of your intent to do so received within 30 days after the Effective Date. Your opt-out thirty (30) day period set forth above will not be effective valid and you must pursue your Disputes (if any) as an individual action, either through binding arbitration or in small claims court, pursuant to and in accordance with Section 12 (excluding this Section 12(H), which in such event will no longer apply). In the event that you are a new DISH customer, then your activation of a DISHaccount or receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date of activation of your account shall constitute your acknowledgment and agreement that you are bound by Section 12. In the event that you are an existing DISH customer, then your continued receipt of Services or Equipment and failure to notify DISH in writing within thirty (30) days following the date that we first give you notice of your right to elect to opt out of Section 12 shall constitute your acknowledgment and agreement that you are bound by Section 12. We will be deemed to have consented and agreed to the Arbitration Agreement unless your given you notice of intent your right to opt out is received by Dacotah Bank in writing at 000 Xxxxx Xxxx Xxxxxx, X.X. Xxx 0000, Xxxxxxxx, XX 00000 within such 30 day time period. Your notice of intent to opt out can be a letter that is signed by you or an email sent by you that states “I elect to opt out of Section 12 as follows: (a) in the Arbitration Agreement” event that we send you notice by U.S. mail (including, without limitation, on a mailed bill, bill insert, notice, letter or any words postcard), then it will be considered given three (3) days after it is first deposited in the U.S. mail, aRdedsirdeesnsteidaltCousytoomueartAygoreuermbeinllti(nJganuaadrdyr2e0s2s1)then appearing 1in0 our records; (b) in the event that we send you notice electronically (including, without limitation, via an e-mail, electronic bill, social media message or attachment), then it will be considered given at the time we first send an electronic communication containing such notice or notifying you of the availability of such notice (or the electronic bill in which it is included) to that effect. FOR MORE DETAILS the electronic contact information (including, without limitation, e-mail address or if you have questionssocial media (e.g., you may call us or visit a branch. If you have questions about AAA proceduresFacebook, you should check AAA’s website, xxx.xxx.xxx, OR call AAA at (000Twitter) 000-0000. IF YOU WERE A “COVERED BORROWER” UNDER THE MILITARY LENDING ACT AT THE TIME THE ACCOUNT WAS ESTABLISHED, (Iidentifier) THE ABOVE ARBITRATION PROVISION AND JURY TRIAL WAIVER PROVISION, (II) ANY WAIVER OF THE RIGHT TO LEGAL RECOURSE UNDER ANY OTHERWISE APPLICABLE PROVISION OF STATE OR FEDERAL LAW, AND (III) ANY OTHER PROVISION OF THIS AGREEMENT THAT IS NOT ENFORCEABLE AGAINST YOU UNDER THE MILITARY LENDING ACT, WILL NOT APPLY TO YOU WHILE YOU REMAIN A “COVERED BORROWER.”then appearing in our records; and