Common use of TERMINATION OF OPTIONAL OVERDRAFT PROTECTION PLANS Clause in Contracts

TERMINATION OF OPTIONAL OVERDRAFT PROTECTION PLANS. We may terminate optional overdraft protection services at any time by sending you written notice. Any owner of the checking account, any owner of a linked savings or other share account used for overdraft protection, or any borrower on a Personal Line of Credit account used for overdraft protection may cancel overdraft protection in person or in writing. Cancellation will be effective after we have received notice and have had a reasonable time to act on it. Part IV – EFT This Part IV of the Agreement sets forth the terms and conditions governing electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, direct deposits, automated teller machines (ATMs), Debit Card and Audio Response Teller banking. Your acceptance, retention, or use of an ATM Card, Debit Card, Personal Identification Number (PIN), Access Code, or other EFT hereunder constitutes an agreement between us and you to be bound by the additional terms and conditions contained in this Part IV. Where not in conflict with the terms of this Part IV, the general terms and conditions elsewhere in this Agreement, or such other agreements under which electronic services may be provided remain in full force and effect and continue to be applicable, except as specifically modified by this Part IV. These disclosures are given by us in compliance with the Electronic Fund Transfer Act (15 USC § 1693 et seq.) and Regulation E (12 CFR Part 1005) to inform you of certain terms and conditions for use of the electronic services described in this Agreement. At the present time, we offer the following electronic services: o Preauthorized deposits of net paycheck; o Payroll deductions; o Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments); o Preauthorized withdrawals for bill payments and other recurring payments; o Automated Teller Machine (ATM) EFT services at Credit Union-owned (proprietary) ATMs and on Shared Network ATMs such as the CO-OP Network, STAR and Plus, and such other systems as may be added from time to time; o Audio Response Teller banking; o Home Banking; o Home Banking Bill Pay Service; o ATM or Debit Card; o Electronic Check Transactions; o Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; o Mobile Banking; and o Mobile Deposit. General disclosures applicable to all electronic services offered by us is given below, with certain specific disclosure information for each service following in separate sections.

TERMINATION OF OPTIONAL OVERDRAFT PROTECTION PLANS. We may terminate optional overdraft protection services at any time by sending you written notice. Any owner of the checking account, any owner of a linked savings or other share account used for overdraft protection, or any borrower on a Personal Line of Credit account used for overdraft protection may cancel overdraft protection in person or in writing. Cancellation will be effective after we have received notice and have had a reasonable time to act on it. Part IV – EFT EFT‌ This Part IV of the Agreement sets forth the terms and conditions governing electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, direct deposits, automated teller machines (ATMs), Debit Card and Audio Response Teller banking. Your acceptance, retention, or use of an ATM Card, Debit Card, Personal Identification Number (PIN), Access Code, or other EFT hereunder constitutes an agreement between us and you to be bound by the additional terms and conditions contained in this Part IV. Where not in conflict with the terms of this Part IV, the general terms and conditions elsewhere in this Agreement, or such other agreements under which electronic services may be provided remain in full force and effect and continue to be applicable, except as specifically modified by this Part IV. These disclosures are given by us in compliance with the Electronic Fund Transfer Act (15 USC § 1693 et seq.) and Regulation E (12 CFR Part 1005) to inform you of certain terms and conditions for use of the electronic services described in this Agreement. At the present time, we offer the following electronic services: o Preauthorized deposits of net paycheck; o Payroll deductions; o Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments); o Preauthorized withdrawals for bill payments and other recurring payments; o Automated Teller Machine (ATM) EFT services at Credit Union-owned (proprietary) ATMs and on Shared Network ATMs such as the CO-OP Network, STAR and Plus, and such other systems as may be added from time to time; o Audio Response Teller banking; o Home Banking; o Home Banking Bill Pay Service; o ATM or Debit Card; o Electronic Check Transactions; o Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; o Mobile Banking; and o Mobile Deposit. General disclosures applicable to all electronic services offered by us is given below, with certain specific disclosure information for each service following in separate sections.

TERMINATION OF OPTIONAL OVERDRAFT PROTECTION PLANS. We may terminate optional overdraft protection services at any time by sending you written notice. Any authorized signer or beneficial owner of the checking account, any owner or of a linked savings or other share account used for overdraft protection, or any borrower on a Personal Line of Credit account used for overdraft protection may cancel overdraft protection in person or in writing. Cancellation will be effective after we have received notice and have had a reasonable time to act on it. Part IV – EFT This Part IV of the Agreement sets forth the terms and conditions governing electronic fund transfers. Electronic fund transfers (“EFTs”) are electronically initiated transfers of money involving a deposit account at the Credit Union and multiple access options, such as online account access, direct deposits, automated teller machines (ATMs), Debit Card and Audio Response Teller banking. Your acceptance, retention, or use of an ATM Card, Debit Card, Personal Identification Number (PIN), Access Code, or other EFT hereunder constitutes an agreement between us and you to be bound by the additional terms and conditions contained in this Part IV. Where not in conflict with the terms of this Part IV, the general terms and conditions elsewhere in this Agreement, or such other agreements under which electronic services may be provided remain in full force and effect and continue to be applicable, except as specifically modified by this Part IV. These disclosures are given by us in compliance with the Electronic Fund Transfer Act (15 USC § 1693 et seq.) and Regulation E (12 CFR Part 1005) to inform you of certain terms and conditions for use of the electronic services described in this Agreement. Further, you understand and agree you shall advise each person to whom a Card and/or Access Code is issued that each transaction originated by means of a Card or Access Code is NOT a “consumer” transaction as defined in the Electronic Fund Transfer Act and in Regulation E and is not governed by or entitled to the protection of federal law and regulation. At the present time, we offer the following electronic services: o [Preauthorized deposits of net paycheck; o Payroll deductions; o Preauthorized deposits of pension checks and federal recurring payments (for example, Social Security payments); o Preauthorized withdrawals for bill payments and other recurring payments; o Automated Teller Machine (ATM) EFT services at Credit Union-owned (proprietary) ATMs and on Shared Network ATMs such as the CO-OP Network, STAR and Plus, and such other systems as may be added from time to time; o Audio Response Teller banking; o Home Banking; o Home Banking Bill Pay Service; o ATM or Debit Card; o Electronic Check Transactions; o Transactions at a Point-of-Sale (POS) terminal whether or not an access device is used; o Mobile Banking; and o Mobile Deposit. General disclosures applicable to all electronic services offered by us is given below, with certain specific disclosure information for each service following in separate sections.