Common use of Transactions to your Account Clause in Contracts

Transactions to your Account. Posting order is the order in which we apply withdrawals, deposits and other transactions to your Account. We receive transactions at different times throughout the Business Day, and some transactions will show up on your Account as pending transactions during the day while others may not. Although we receive Items throughout the day, we generally treat them as if we received all Items at the same time at the end of the Business Day. We look at your Account only once to determine if your Available Balance is sufficient to pay an Item. The posting order is important because it determines which Items may create an Overdraft and how many related fees you incur. You agree that we may choose our posting order regardless of whether additional fees may result. We reserve the right to change our posting order at any time. It is important to understand that Items are not posted to your Account in the same order in which the transactions occurred. Instead, Items are posted to your Account using automated systems that group transactions into categories based on the Item type. At the end of each Business Day, we process transactions on your Account by starting with the Ledger Balance at the end of the previous Business Day and subtracting from this amount any Holds on your Account. Then, we post credits and debits to your Account generally in the order shown below. An Overdraft is created if your Available Balance is not sufficient to pay for any Item posted to your Account during this process. Please note that the examples provided below are intended to be representative of the most common types of Items within each category, and other Items may be posted to your Account even though not specifically identified on the following page. FIRST, we add deposits and other credits to your Account that are received before the applicable cutoff time, including: • Cash and check deposits, including ATM and Mobile Deposits • Transfers into your Account such as those made through online or mobile banking • Direct deposits (ACH) These Items are posted in order from highest to lowest dollar amount. SECOND, we subtract certain fees that were incurred the prior Business Day, specifically: • Fees for Overdrafts and • Daily fees for Accounts that remain overdrawn These Items are posted in order from lowest to highest dollar amount. THIRD, we subtract priority debits, which are transactions paid from your Account that are cash or cash-equivalent and cannot be returned. This includes: • Withdrawals and teller-cashed checks • Wire transfers • Transfers between your Old National Accounts such as those made in online or mobile banking • Zelle payments • Chargebacks to your Account These Items are posted in order from lowest to highest dollar amount. FOURTH, we subtract debit Card and ATM transactions, including: • ATM withdrawals • Purchases with your Card • Any recurring Card payments, such as insurance premiums or gym memberships These Items are posted in the order received. FIFTH, we subtract ACH debit transactions, including: • External transfers to and from your accounts at other financial institutions • Recurring payments made using your routing and account number • Checks converted to electronic payments • Online banking bill payments (unless processed as a check) These Items are posted in order from lowest to highest dollar amount. SIXTH, we subtract checks (other than teller-cashed checks, which are posted as priority debits above) in order from lowest to highest dollar amount. SEVENTH, we subtract any other Bank-generated fees or charges, such as: • Monthly service charges and Account maintenance fees • Paper statement fees These Items are posted in order from lowest to highest dollar amount. You agree to pay a fee for each Item that results in an Overdraft. In addition, you will be charged a daily fee if you fail to return your Account to a positive Available Balance once it is overdrawn. For details on these fees, see the fee schedule for your Account. If you fail to bring your Account to a positive Available Balance, we may close your Account. We may also report you to credit bureaus and make efforts to collect the amount you owe us, which can affect your ability to open other accounts with us or other banks in the future and may be reflected in your credit report. You authorize us to apply any deposit to your Account to pay the amount of any Overdraft and related fees.

Transactions to your Account. Posting order is the order in which we apply withdrawals, deposits and other transactions to your Account. We receive transactions at different times throughout the Business Day, and some transactions will show up on your Account as pending transactions during the day while others may not. Although we receive Items throughout the day, we generally treat them as if we received all Items at the same time at the end of the Business Day. We look at your Account only once to determine if your Available Balance is sufficient to pay an Item. The posting order is important because it determines which Items may create an Overdraft and how many related fees you incur. You agree that we may choose our posting order regardless of whether additional fees may result. We reserve the right to change our posting order at any time. It is important to understand that Items are not posted to your Account in the same order in which the transactions occurred. Instead, Items are posted to your Account using automated systems that group transactions into categories based on the Item type. At the end of each Business Day, we process transactions on your Account by starting with the Ledger Balance at the end of the previous Business Day and subtracting from this amount any Holds on your Account. Then, we post credits and debits to your Account generally in the order shown below. An Overdraft is created if your Available Balance is not sufficient to pay for any Item posted to your Account during this process. Please note that the examples provided below are intended to be representative of the most common types of Items within each category, and other Items may be posted to your Account even though not specifically identified on the following page. FIRST, we add deposits and other credits to your Account that are received before the applicable cutoff time, including: • Cash and check deposits, including ATM and Mobile Deposits • Transfers into your Account such as those made through online or mobile banking • Direct deposits (ACH) These Items are posted in order from highest to lowest dollar amount. SECOND, we subtract certain fees that were incurred the prior Business Day, specifically: • Fees for Overdrafts and • Daily fees for Accounts that remain overdrawn These Items are posted in order from lowest to highest dollar amount. THIRD, we subtract priority debits, which are transactions paid from your Account that are cash or cash-equivalent and cannot be returned. This includes: • Withdrawals and teller-cashed checks • Wire transfers • Transfers between your Old National Accounts such as those made in online or mobile banking • Zelle payments • Chargebacks to your Account These Items are posted in order from lowest to highest dollar amount. FOURTH, we subtract debit Card and ATM transactions, including: • ATM withdrawals • Purchases with your Card • Any recurring Card payments, such as insurance premiums or gym memberships These Items are posted in the order received. FIFTH, we subtract ACH debit transactions, including: • External transfers to and from your accounts at other financial institutions • Recurring payments made using your routing and account number • Checks converted to electronic payments • Online banking bill payments (unless processed as a check) These Items are posted in order from lowest to highest dollar amount. SIXTH, we subtract checks (other than teller-cashed checks, which are posted as priority debits above) in order from lowest to highest dollar amount. SEVENTH, we subtract any other Bank-generated fees or charges, such as: • Monthly service charges and Account maintenance fees • Paper statement fees These Items are posted in order from lowest to highest dollar amount. You agree to pay a fee for each Item that results in an Overdraft. In addition, you will be charged a daily fee if you fail to return your Account to a positive Available Balance once it is overdrawn. For details on these fees, see the fee schedule for your Account. If you fail to bring your Account to a positive Available Balance, we may close your Account. We may also report you to credit bureaus consumer reporting agencies and make efforts to collect the amount you owe us, which can affect your ability to open other accounts with us or other banks in the future and may be reflected in your credit report. You authorize us to apply any deposit to your Account Account, including any federal or state benefits, to pay the amount of any Overdraft and related fees. You understand that if you do not want your benefits applied in this way, you can change your direct deposit instructions with your benefits payor at any time.

Transactions to your Account. Posting order is the order in which we apply withdrawals, deposits and other transactions to your Account. We receive transactions at different times throughout the Business Day, and some transactions will show up on your Account as pending transactions during the day while others may not. Although we receive Items throughout the day, we generally treat them as if we received all Items at the same time at the end of the Business Day. We look at your Account only once to determine if your Available Balance is sufficient to pay an Item. The posting order is important because it determines which Items may create an Overdraft and how many related fees you incur. You agree that we may choose our posting order regardless of whether additional fees may result. We reserve the right to change our posting order at any time. It is important to understand that Items are not posted to your Account in the same order in which the transactions occurred. Instead, Items are posted to your Account using automated systems that group transactions into categories based on the Item type. At the end of each Business Day, we process transactions on your Account by starting with the Ledger Balance at the end of the previous Business Day and subtracting from this amount any Holds on your Account. Then, we post credits and debits to your Account generally in the order shown below. An Overdraft is created if your Available Balance is not sufficient to pay for any Item posted to your Account during this process. Please note that the examples provided below are intended to be representative of the most common types of Items within each category, and other Items may be posted to your Account even though not specifically identified on the following page. FIRST, we add deposits and other credits to your Account that are received before the applicable cutoff time, including: • Cash and check deposits, including ATM and Mobile Deposits • Transfers into your Account such as those made through online or mobile banking • Direct deposits (ACH) These Items are posted in order from highest to lowest dollar amount. SECOND, we subtract certain fees that were incurred the prior Business Day, specifically: • Fees for Overdrafts and • Daily fees for Accounts that remain overdrawn These Items are posted in order from lowest to highest dollar amount. THIRD, we subtract priority debits, which are transactions paid from your Account that are cash or cash-equivalent and cannot be returned. This includes: • Withdrawals and teller-cashed checks • Wire transfers • Transfers between your Old National Accounts such as those made in online or mobile banking • Zelle payments • Chargebacks to your Account These Items are posted in order from lowest to highest dollar amount. FOURTH, we subtract debit Card and ATM transactions, including: • ATM withdrawals • Purchases with your Card • Any recurring Card payments, such as insurance premiums or gym memberships These Items are posted in the order received. FIFTH, we subtract ACH debit transactions, including: • External transfers to and from your accounts at other financial institutions • Recurring payments made using your routing and account number • Checks converted to electronic payments • Online banking bill payments (unless processed as a check) These Items are posted in order from lowest to highest dollar amount. SIXTH, we subtract checks (other than teller-cashed checks, which are posted as priority debits above) in order from lowest to highest dollar amount. SEVENTH, we subtract any other Bank-generated fees or charges, such as: • Monthly service charges and Account maintenance fees • Paper statement fees These Items are posted in order from lowest to highest dollar amount. You agree to pay a fee for each Item that results in an Overdraft. In addition, you will be charged a daily fee if you fail to return your Account to a positive Available Balance once it is overdrawn. For details on these fees, see the fee schedule for your Account. If you fail to bring your Account to a positive Available Balance, we may close your Account. We may also report you to credit bureaus and make efforts to collect the amount you owe us, which can affect your ability to open other accounts with us or other banks in the future and may be reflected in your credit report. You authorize us to apply any deposit to your Account to pay the amount of any Overdraft and related fees.