Common use of Transfers Between Online Accounts Clause in Contracts

Transfers Between Online Accounts. You may use Online Banking to transfer funds between certain Online Accounts for which the Service is available. Please note the following: • You may make one-time transfers or schedule future or recurring transfers. You may transfer funds among your savings accounts and money market accounts, and you may make certain transfers to, but not from, a certificate of deposit. • The Bank in its sole discretion will designate from time to time: (1) the specific types of Online Accounts to which and from which transfers can be made, and (2) the types of transfers which may be made. You may call our Online Banking Center at 1- 877-879-2325 to learn the types of Online Accounts for which this Service is available. • If you request a transfer to be effective immediately and we receive the request on a business day before 6:00 p.m. Central Time (the “Cutoff Time”), your request will be processed when the Bank receives it. If we receive a request on a business day after the Cutoff Time or on a day that is not a business day, your request will be processed on the next business day. • If you do not have sufficient available funds in your account at the time a requested transfer is scheduled to be made, the Bank has no obligation to complete the requested transfer and the Bank has no obligation to notify you that the scheduled transfer will not be made. The Bank will not hold the transfer and complete it when you have sufficient funds in the account. You must make another request that the transfer be made. • The Bank will not necessarily receive a transfer request when you transmit the request. Your Personal Computer may prevent or interrupt our receipt of your transfer request. You should not assume that a transfer request has been received by the Bank unless you receive an electronic confirmation from us. • If you wish to cancel a scheduled transfer, you must request cancellation of the transfer before 6:00 p.m. on the business day on which the transfer is scheduled to be made. The Bank will have no liability for failure to stop a transfer if it does not receive a request for cancellation and have a reasonable opportunity to act on the request. • Your ability to transfer funds from certain accounts may be restricted or limited by either federal law or the terms of your Account Agreements with us. For example, federal regulations limit you to six (6) preauthorized electronic fund transfers, telephone transfers, checks, and point-of-sale transactions from any money market account during a single statement cycle. Each transfer through Online Banking will count as one of the six (6) transfers permitted during the statement cycle. Your Account Agreement may impose other restrictions or fees for transfers. • The Bank may impose other limitations as to the dollar amount or frequency of transfers for security purposes.

Transfers Between Online Accounts. You may use Online Banking to transfer funds between certain Online Accounts for which the Service is available. Please note the following: • You may make one-time transfers or schedule future or recurring transfers. You may transfer funds among your savings accounts and money market accounts, and you may make certain transfers to, but not from, a certificate of deposit. • The Bank in its sole discretion will designate from time to time: (1) the specific types of Online Accounts to which and from which transfers can be made, and (2) the types of transfers which may be made. You may call our Online Banking Center at 1- 877866-879862-2325 7355 to learn the types of Online Accounts for which this Service is available. • If you request a transfer to be effective immediately and we receive the request on a business day before 6:00 p.m. Central Time (the “Cutoff Time”), your request will be processed when the Bank receives it. If we receive a request on a business day after the Cutoff Time or on a day that is not a business day, your request will be processed on the next business day. • If you do not have sufficient available funds in your account at the time a requested transfer is scheduled to be made, the Bank has no obligation to complete the requested transfer and the Bank has no obligation to notify you that the scheduled transfer will not be made. The Bank will not hold the transfer and complete it when you have sufficient funds in the account. You must make another request that the transfer be made. • The Bank will not necessarily receive a transfer request when you transmit the request. Your Personal Computer may prevent or interrupt our receipt of your transfer request. You should not assume that a transfer request has been received by the Bank unless you receive an electronic confirmation from us. • If you wish to cancel a scheduled transfer, you must request cancellation of the transfer before 6:00 p.m. on the business day on which the transfer is scheduled to be made. The Bank will have no liability for failure to stop a transfer if it does not receive a request for cancellation and have a reasonable opportunity to act on the request. • Your ability to transfer funds from certain accounts may be restricted or limited by either federal law or the terms of your Account Agreements with us. For example, federal regulations limit you to six (6) preauthorized electronic fund transfers, telephone transfers, checks, and point-of-sale transactions from any money market account during a single statement cycle. Each transfer through Online Banking will count as one of the six (6) transfers permitted during the statement cycle. Your Account Agreement may impose other restrictions or fees for transfers. • The Bank may impose other limitations as to the dollar amount or frequency of transfers for security purposes.

Transfers Between Online Accounts. You may use Online Banking to transfer funds between certain Online Accounts for which the Service is available. Please note the following: • You may make one-time transfers or schedule future or recurring transfers. You may transfer funds among your savings accounts and money market accounts, and you may make certain transfers to, but not from, a certificate of deposit. • The Bank in its sole discretion will designate from time to time: (1) the specific types of Online Accounts to which and from which transfers can be made, and (2) the types of transfers which may be made. You may call our Online Banking Center at 1- 8770-879000-2325 XXX-XXXX (000-000-0000) to learn the types of Online Accounts for which this Service is available. • If you request a transfer to be effective immediately and we receive the request on a business day Business Day before 6:00 4:00 p.m. Central Time (the “"Cutoff Time”"), your request will be processed when the Bank receives it. If we receive a request on a business day Business Day after the Cutoff Time or on a day that is not a business dayBusiness Day, your request will be processed on the next business dayBusiness Day. • If you do not have sufficient available funds in your account Online Account at the time a requested transfer is scheduled to be made, the Bank has no obligation to complete the requested transfer and the Bank has no obligation to notify you that the scheduled transfer will not be made. The Bank will not hold the transfer and complete it when you have sufficient funds in the account. You must make another request that the transfer be made. • The Bank will not necessarily receive a transfer request when you transmit the request. Your Personal Computer may prevent or interrupt our receipt of your transfer request. You should not assume that a transfer request has been received by the Bank unless you receive an electronic confirmation from us. • If you wish to cancel a scheduled transfer, you must request cancellation of the transfer before 6:00 4:00 p.m. Central Time on the business day Business Day on which the transfer is scheduled to be made. The Bank will have no liability for failure to stop a transfer if it does not receive a request for cancellation and have a reasonable opportunity to act on the request. • Your ability to transfer funds from certain accounts may be restricted or limited by either federal law or the terms of your Account Agreements with us. For example, federal regulations limit you to six (6) preauthorized electronic fund transfers, telephone transfers, checks, and point-of-sale transactions from any money market account during a single statement cycle. Each transfer through Online Banking will count as one of the six (6) transfers permitted during the statement cycle. Your Account Agreement may impose other restrictions or fees for transfers. • The Bank may impose other limitations as to the dollar amount or frequency of transfers for security purposes.

Transfers Between Online Accounts. You may use Online Banking this Service to transfer funds between certain Online Accounts for which the Service is available. Please note the following: • You may make one-time transfers or schedule future or recurring transfers. You may transfer funds among your savings accounts and money market accounts, and you may make certain transfers to, but not from, a certificate of deposit. • The Bank in its sole discretion will designate from time to time: (1) the specific those types of Online Accounts to which and from which transfers can be made, and (2) the types of transfers which may be made. You may call our Online Banking Center at 1- 877-879-2325 to learn the types of your Online Accounts for which this Service is available, subject to the following restrictions and conditions:  The Credit Union, in its sole discretion, will designate both the specific types of Online Accounts to and from which transfers are permitted to be made and the kinds of transfers that may be made. • From time to time, the Credit Union may change this designation for any type of account.  In addition to making transfers that are effective immediately, you also may make future-dated transfers, either one-time or recurring, from designated types of Online Accounts.  If you use this Service to request a an immediately effective transfer to be effective immediately and we receive the request on a business day Business Day before 6:00 p.m. Central Time (the “Cutoff Time”), your request will be processed when as soon as the Bank Credit Union receives it. If we receive a request on a business day for an immediately effective transfer after the Cutoff Time on a Business Day or on a day that is not a business dayBusiness Day, your then the request will be processed no later than the next Business Day. Requests for future-dated transfers will be processed on the next business day. • If you do not have sufficient available funds in your account at the time a requested transfer day if that day is scheduled to be madea Business Day or, the Bank has no obligation to complete if the requested transfer day is not a Business Day, no later than the first Business Day following the requested transfer day. It is your responsibility to schedule each transfers far enough in advance to assure that we have sufficient time to receive and process your transfer request. Future-dated transfers may be cancelled through Online Branch if the Bank has no obligation cancellation is received by the Credit Union before the Cutoff Time on the Business Day prior to notify you that the scheduled Business Day the transfer request will be processed.  Transfers to and from COFCU deposit accounts will be reflected immediately in the available balance for each deposit account, but may not be made. The Bank will not hold the transfer and complete it when you have sufficient funds reflected immediately in the accountposted balance for those accounts. You must make another request that Transfers to and from other kinds of accounts may not be reflected immediately in the transfer be madeavailable balance or posted balance for those accounts. • The Bank will not necessarily receive When the Credit Union processes a transfer request to or from any Online Account other than a credit card account, the transfer usually will be posted to that account on the next Business Day and will be effective as of the date we process the transfer. The time at which the Credit Union posts a transfer in its official records for an account may differ from the time at which the transfer is reflected in the information provided through Online Branch. A transfer to a credit card account, line of credit (other than a line of credit accessed through a deposit account) or loan account may not be reflected in the balance for that account provided through Online Branch until the Business Day after the transfer is posted.  A transfer request is not necessarily received by the Credit Union when you transmit the request. Your Personal Internet Computer or your Software may prevent or interrupt our the Credit Union's receipt of your transfer request. You should not assume that a transfer request has been received by the Bank Credit Union unless you receive an electronic confirmation from usthe Credit Union. • If you wish to cancel a scheduled transfer, you must request cancellation of the transfer before 6:00 p.m. on the business day on which the transfer is scheduled to be made. The Bank will have no liability for failure to stop a transfer if it does not receive a request for cancellation and have a reasonable opportunity to act on the request. •  Your ability to transfer funds from certain accounts may be restricted or limited by either federal law or the terms of the Account Agreements. Please check your Account Agreements with usfor transfer limitations. For example, federal regulations  Your ability to transfer funds between certain Online Accounts may be limited by your Software or the manner in which you use your Software.  The Credit Union reserves the right to limit you to six (6) preauthorized electronic fund transfers, telephone transfers, checks, the frequency and point-of-sale dollar amount of transactions from any money market account during a single statement cycle. Each transfer through your Online Banking will count as one of the six (6) transfers permitted during the statement cycle. Your Account Agreement may impose other restrictions or fees for transfers. • The Bank may impose other limitations as to the dollar amount or frequency of transfers Accounts for security purposesreasons.

Transfers Between Online Accounts. You may use Online Banking to transfer funds between certain Online Accounts for which the Service is available. Please note the following: • You may make one-time transfers or schedule future or recurring transfers. You may transfer funds among your savings accounts and money market accounts, and you may make certain transfers to, but not from, a certificate of deposit. • The Bank in its sole discretion will designate from time to time: time (1) the specific types of Online Accounts to which and from which transfers can be made, and (2) the types of transfers which that may be made. You may call our Online Banking Center at 1- 877866-879375-2325 3500 to learn the types of Online Accounts for which this Service is available. • If you request a transfer to be effective immediately and we receive the request on a business day before 4:00 p.m. Pacific Time / 6:00 p.m. Central Time (the “Cutoff Time”), your request will be processed when the Bank receives it. If we receive a request on a business day after the Cutoff Time or on a day that is not a business day, your request will be processed on the next business day. • If you do not have sufficient available funds in your account at the time a requested transfer is scheduled to be made, the Bank has no obligation to complete the requested transfer and the Bank has no obligation to notify you that the scheduled transfer will not be made. The Bank will not hold the transfer and complete it when you have sufficient funds in the account. You must make another request that the transfer be made. • The Bank will not necessarily receive a transfer request when you transmit the request. Your Personal Computer may prevent or interrupt our receipt of your transfer request. You should not assume that a transfer request has been received by the Bank unless you receive an electronic confirmation from us. • If you wish to cancel a scheduled transfer, you must request cancellation of the transfer before 4:00 p.m. Pacific Time / 6:00 p.m. Central Time on the business day on which the transfer is scheduled to be made. The Bank will have no liability for failure to stop a transfer if it does not receive a request for cancellation and have a reasonable opportunity to act on the request. • Your ability to transfer funds from certain accounts may be restricted or limited by either federal law or the terms of your Account Agreements with us. For example, federal regulations limit you to six (6) preauthorized electronic fund transfers, telephone transfers, checks, and point-of-sale transactions from any money market account during a single statement cycle. Each transfer through Online Banking will count as one of the six (6) transfers permitted during the statement cycle. Your Account Agreement may impose other restrictions or fees for transfers. • The Bank may impose other limitations as to the dollar amount or frequency of transfers for security purposes.