Common use of Telephone Banking Clause in Contracts

Telephone Banking. If we approve Telephone Banking for your accounts, a separate personal iden- tification number (PIN) will be assigned to you. You must use your 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 and checking accounts. - Obtain balance information for your savings, checking, loan, and certificate accounts. - Make loan payments from your savings and 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 account history. 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, 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 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 personal iden- tification identification number (PIN) will be assigned to you. You must use your 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 savings, checking, money market, and checking club accounts. - Obtain balance information for your savings, checking, loan, money market, club, certificate, and certificate Credit Card accounts. - Make loan payments from your savings savings, checking, money market, and checking club accounts. - Access your Line Obtain a listing 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 account historyrecent 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, 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 dis- continue 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 personal iden- tification number (PIN) access code will be assigned to you. You must use your personal identification number (PIN) access code 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 savings, checking, loan, and checking money market accounts. - Obtain balance information for your savings, checking, loan, and certificate money market accounts. - Make loan payments from your savings savings, checking, and checking money market 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 account 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, transfers, or withdrawal requests 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. 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 dis- continue 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 personal iden- tification identification number (PIN) will be assigned to you. You must use your 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 share and checking share draft accounts. • - Transfer funds from your savings share and checking share draft accounts. • - Obtain balance information for your savingsshare, checkingshare draft, loan, IRA, money market, and certificate accounts. • - Make loan payments from your savings share and checking share draft 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 account history. 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, 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 dis- continue 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 personal iden- tification identification number (PIN) will be assigned to you. You must use your 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 and checking accounts. - Obtain balance information for your savings, checking, loan, savings and certificate checking accounts. - Make loan payments from your savings and 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 account history. 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, 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 dis- continue 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.