Common use of Services Available Clause in Contracts

Services Available. We offer the following electronic funds transfer services in connection with savings and checking accounts (including checking accounts which bear interest): ATM TRANSACTIONS ATM transactions normally require the use of your PIN. Some of the services may not be available at all ATM terminals. You can use your Visa Check Card at Fidelity Bank ATMs to: • Withdraw cash from your account. Withdrawals may, by prior arrangement, include draws on your Checking Reserve, Checking Reserve Plus or Equity Line account. • Transfer funds between your checking and savings accounts. • Inquire as to the balance in your account. • Make payments on your Fidelity Bank installment loan or on any revolving line of credit linked to your checking account, if this feature has been requested by you. • Cash checks, “split” deposits between two accounts, and receive cash back in connection with deposited items. (These services are available at selected ATMs only). • You can use your Visa Check Card at an ATM that we do not own or operate but which participates in one of several ATM networks in which we are a member (such as Accel® or PLUS®) to: • Withdraw cash from your account. Withdrawals may, by prior arrangement, include draws on your Checking Reserve, Checking Reserve Plus or Equity Line account. • Inquire as to the balance in your account. DEBIT CARD TRANSACTIONS Your Visa Check Card can be used as a debit card to purchase goods and services at any business displaying the PLUS® or Accel® logos that have agreed to accept debit cards. These card transactions normally require the use of your PIN. Your Visa Check Card can be used as a debit card to purchase goods and services at any merchant displaying the VISA logo. These debit card transactions do not normally require the use of your PIN. PRE-AUTHORIZED TRANSFERS You can arrange to: • Pay certain bills automatically from your account. • Receive certain automatic deposits to your account from other persons (for example, social security payments or payroll payments). • Transfer funds automatically between your checking and savings accounts.

Services Available. We offer the following electronic funds transfer services in connection with savings and checking accounts (including checking accounts which bear interest): ATM TRANSACTIONS ATM transactions normally require the use of your PIN. Some of the services may not be available at all ATM terminals. You can use your Visa Check Card at Fidelity Bank ATMs to: • Withdraw cash from your account. Withdrawals may, by prior arrangement, include draws on your Checking Reserve, Checking Reserve Plus or Equity Line Reserve account. • Transfer funds between your checking and savings accounts. • Inquire as to the balance in your account. • Make payments on your Fidelity Bank installment loan or on any revolving line of credit linked to your checking account, if this feature has been requested by you. • Cash checks, “split” deposits between two accounts, and receive cash back in connection with deposited items. (These services are available at selected ATMs only). • You can use your Visa Check Card at an ATM that we do not own or operate but which participates in one of several ATM networks in which we are a member (such as Accel® or PLUS®) to: • Withdraw cash from your account. Withdrawals may, by prior arrangement, include draws on your Checking Reserve, Checking Reserve Plus or Equity Line Reserve account. • Inquire as to the balance in your account. DEBIT CARD TRANSACTIONS Your Visa Check Card can be used as a debit card to purchase goods and services at any business displaying the PLUS® or Accel® logos that have agreed to accept debit cards. These card transactions normally require the use of your PIN. Your Visa Check Card can be used as a debit card to purchase goods and services at any merchant displaying the VISA logo. These debit card transactions do not normally require the use of your PIN. PRE-AUTHORIZED TRANSFERS You can arrange to: • Pay certain bills automatically from your account. • Receive certain automatic deposits to your account from other persons (for example, social security payments or payroll payments). • Transfer funds automatically between your checking and savings accounts.

Services Available. We offer the following electronic funds transfer services in connection with savings and checking accounts (including checking accounts which bear interest): ATM TRANSACTIONS ATM transactions normally require the use of your PIN. Some of the services may not be available at all ATM terminals. You can use your Visa Check Card at Fidelity Bank ATMs to: • Withdraw cash from your account. Withdrawals may, by prior arrangement, include draws on your Checking Reserve, Checking Reserve Plus or Equity Line Reserve account. • Transfer funds between your checking and savings accounts. • Inquire as to the balance in your account. • Make payments on your Fidelity Bank installment loan or on any revolving line of credit linked to your checking account, if this feature has been requested by you. • Cash checks, “split” deposits between two accounts, and receive cash back in connection with deposited items. (These services are available at selected ATMs only). • You can use your Visa Check Card at an ATM that we do not own or operate but which participates in one of several ATM networks in which we are a member (such as Accel® or PLUS®) to: • Withdraw cash from your account. Withdrawals may, by prior arrangement, include draws on your Checking Reserve, Checking Reserve Plus or Equity Line Reserve account. • Inquire as to the balance in your account. DEBIT CARD TRANSACTIONS Your Visa Check Card can be used as a debit card to purchase goods and services at any business displaying the PLUS® or Accel® logos that have agreed to accept debit cards. These card transactions normally require the use of your PIN. Your Visa Check Card can be used as a debit card to purchase goods and services at any merchant displaying the VISA logo. These debit card transactions do not normally require the use of your PIN. PRE-AUTHORIZED TRANSFERS You can arrange to: • Pay certain bills automatically from your account. • Receive certain automatic deposits to your account from other persons (for example, social security payments or payroll payments). • Transfer funds automatically between your checking and savings accounts.

Services Available. We offer the following electronic funds transfer services in connection with savings and checking accounts (including checking accounts which bear interest): ATM TRANSACTIONS ATM transactions normally require the use of your PIN. Some of the services may not be available at all ATM terminals. You can use your Visa Check Card at Fidelity Bank ATMs to: • Withdraw cash from your account. Withdrawals may, by prior arrangement, include draws on your Checking Checkline Reserve, Checking Checkline Reserve Plus or Equity Line account. • Transfer funds between your checking and savings accounts. • Inquire as to the balance in your account. • Make payments on your Fidelity Bank installment loan or on any revolving line of credit linked to your checking account, if this feature has been requested by you. • Cash checks, “split” deposits between two accounts, and receive cash back in connection with deposited items. (These services are available at selected ATMs only). • You can use your Visa Check Card at an ATM that we do not own or operate but which participates in one of several ATM networks in which we are a member (such as Accel® or PLUS®) to: • Withdraw cash from your account. Withdrawals may, by prior arrangement, include draws on your Checking Checkline Reserve, Checking Checkline Reserve Plus or Equity Line account. • Inquire as to the balance in your account. DEBIT CARD TRANSACTIONS Your Visa Check Card can be used as a debit card to purchase goods and services at any business displaying the PLUS® or Accel® logos that have agreed to accept debit cards. These card transactions normally require the use of your PIN. Your Visa Check Card can be used as a debit card to purchase goods and services at any merchant displaying the VISA logo. These debit card transactions do not normally require the use of your PIN. PRE-AUTHORIZED TRANSFERS You can arrange to: • Pay certain bills automatically from your account. • Receive certain automatic deposits to your account from other persons (for example, social security payments or payroll payments). • Transfer funds automatically between your checking and savings accounts.