Common use of Telephone Banking Clause in Contracts

Telephone Banking. If we approve Telephone Banking for your accounts, a separate access code will be assigned to you. You must use your access code along with your account number to access your accounts. At the present time, you may use Telephone Banking to: - Transfer funds from your savings, checking, loan, and money market accounts. - Obtain balance information for your savings, checking, loan, and money market accounts. - Make loan payments from your savings, checking, and money market accounts. - Access your Line of Credit account. - Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. - Verify the last date and amount of your payroll deposit. - Obtain transaction history. - Initiate stop payments on checks. The stop payment request will lapse after 14 days unless separately confirmed in writing within that time. Your accounts can be accessed under Telephone Banking via a touch-tone telephone only. Telephone Banking service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Telephone Banking transactions may apply: - There is no limit to the number of inquiries you may make in any one (1) day. - See Section 2 for transfer limitations that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each telephone call.

Telephone Banking. If we approve Telephone Banking for your accounts, a separate access code personal identification number (PIN) will be assigned to you. You must use your access code personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Telephone Banking to: • - Withdraw funds from your share and share draft accounts. • - Transfer funds from your savings, checking, loan, share and money market share draft accounts. • - Obtain balance information for your savingsshare, checkingshare draft, loan, IRA, money market, and money market certificate accounts. • - Make loan payments from your savings, checking, share and money market share draft accounts. • - Access your Line of Credit accountDetermine if a particular item has cleared. - Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. - Obtain transaction history. - Initiate stop payments on checks. The stop payment request will lapse after 14 days unless separately confirmed in writing within that time. Your accounts can be accessed under Telephone Banking via a touch-tone telephone only. Telephone Banking service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Telephone Banking transactions may apply: - • There is no limit to the number of inquiries inquiries, transfers, or withdrawal requests you may make in any one (1) day. - See Section 2 for • Transfers from your savings, or money market accounts will be limited to a total of six (6) in any one month. You may transfer limitations that may apply or withdraw up to these transactions$10,000 or the available balance in your account at the time of the transfer, except as limited under this Agreement or other agreements. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each telephone call.

Telephone Banking. If we approve Telephone Banking for your accounts, a separate access code personal iden- tification number (PIN) will be assigned to you. You must use your access code personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Telephone Banking to: - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings, checking, loan, savings and money market checking accounts. - Obtain balance information for your savings, checking, loan, and money market certificate accounts. - Make loan payments from your savings, checking, savings and money market checking accounts. - Access your Line of Credit account. - Determine if a particular item has cleared. - Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. - Verify the last date and amount of your payroll deposit. - Obtain transaction account history. - Initiate stop payments on checks. The stop payment request will lapse after 14 days unless separately confirmed in writing within that time. Your accounts can be accessed under Telephone Banking via a touch-tone telephone only. Telephone Banking service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Telephone Banking transactions may apply: - There is no limit to the number of inquiries inquiries, transfers, or withdrawal requests you may make in any one (1) day. - See Section 2 for transfer limitations that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue dis- continue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each telephone call.

Telephone Banking. If we approve Telephone Banking for your accounts, a separate access code personal identification number (PIN) will be assigned to you. You must use your access code personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Telephone Banking to: - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings, checking, loan, savings and money market checking accounts. - Obtain balance information for your savings, checking, loan, savings and money market checking accounts. - Make loan payments from your savings, checking, savings and money market checking accounts. - Access your Line of Credit accountDetermine if a particular item has cleared. - Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. - Verify the last date and amount of your payroll deposit. - Obtain transaction history. - Initiate stop payments on checks. The stop payment request will lapse after 14 days unless separately confirmed in writing within that time. Your accounts can be accessed under Telephone Banking via a touch-touch- tone telephone only. Telephone Banking service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Telephone Banking transactions may apply: - There is no limit to the number of inquiries inquiries, transfers, or withdrawal requests you may make in any one (1) day. - See Section 2 for transfer limitations that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each telephone call.

Telephone Banking. If we approve Telephone Banking for your accounts, a separate access code personal identification number (PIN) will be assigned to you. You must use your access code personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Telephone Banking to: - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings, checking, loanmoney market, and money market club accounts. - Obtain balance information for your savings, checking, loan, money market, club, certificate, and money market Credit Card accounts. - Make loan payments from your savings, checking, money market, and money market club accounts. - Access your Line Obtain a listing of Credit account. - Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. - Verify the last date and amount of your payroll deposit. - Obtain transaction history. - Initiate stop payments on checks. The stop payment request will lapse after 14 days unless separately confirmed in writing within that timerecent transactions. Your accounts can be accessed under Telephone Banking via a touch-tone telephone only. Telephone Banking service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Telephone Banking transactions may apply: - There is no limit to the number of inquiries inquiries, transfers, or withdrawal requests you may make in any one (1) day. - See Section 2 for transfer limitations that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each telephone call.