Common use of TYPES OF ELECTRONIC FUND TRANSFER SERVICES Clause in Contracts

TYPES OF ELECTRONIC FUND TRANSFER SERVICES. Not all services offered are applicable to every account. For questions about your particular account and the availability of electronic fund transfer services, including overdraft protection and ACH, ATM/debit card, and telephone and online transfer features, please contact the Client Experience Team using the contact information appearing at the beginning of this Agreement. ATM and Debit Card Transactions Consistent with applicable law and restrictions described below, you may use your ATM or debit card with your personal identification number (“PIN”) to perform most routine transactions on the accounts that are accessible through use of your ATM or debit card. You can use your ATM or debit card and PIN to: • Make cash withdrawals • Make deposits of cash, checks, or drafts • Transfer funds among Bank accounts linked to the same card • Obtain your most recently available account balance • Pay for purchases at places that have agreed to accept the card Some of the above-described services may not be available at all ATMs or locations. ATM and debit card restrictions include, but are not limited to, restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. If you are under the age of 18, you are not permitted to have an ATM or debit card in your name. International ATM Transactions ATM or debit card international transactions are converted to U.S. currency according to the rules and regulations of the ATM network. The conversion of the international currency to U.S. currency may occur on a date other than the original transaction date and fees may be assessed by these networks. You are responsible for the U.S. currency amount plus any fees assessed for the currency conversion. Some services may not be available at international ATM terminals. International ATM transactions may be subject to a fee in accordance with our Schedule of Fees. Primary Account

TYPES OF ELECTRONIC FUND TRANSFER SERVICES. Not all services offered are applicable to every account. For questions about your particular account and the availability of electronic fund transfer services, including overdraft protection and ACH, ATM/debit card, and telephone and online transfer features, please contact the Client Experience Team us using the contact information appearing at the beginning of this Agreement. ATM and Debit Card Transactions Consistent with applicable law and restrictions described below, you may use your ATM or debit card with your personal identification number (“PIN”) to perform most routine transactions on the accounts that are accessible through use of your ATM or debit card. You can use your ATM or debit card and PIN to: • Make cash withdrawals • Make deposits of cash, checks, or drafts • Transfer funds among Bank accounts linked to the same card • Obtain your most recently available account balance • Pay for purchases at places that have agreed to accept the card Some of the above-described services may not be available at all ATMs or locations. ATM and debit card restrictions include, but are not limited to, restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. If you are under the age of 18, you are not permitted to have an ATM or debit card in your name. International ATM Transactions ATM or debit card international transactions are converted to U.S. currency according to the rules and regulations of the ATM network. The conversion of the international currency to U.S. currency may occur on a date other than the original transaction date and fees may be assessed by these networks. You are responsible for the U.S. currency amount plus any fees assessed for the currency conversion. Some services may not be available at international ATM terminals. International ATM transactions may be subject to a fee in accordance with our Schedule of Fees. Primary Account

TYPES OF ELECTRONIC FUND TRANSFER SERVICES. Not all services offered are applicable to every account. For questions about your particular account and the availability of electronic fund transfer services, including overdraft protection and ACH, ATM/debit card, and telephone and online transfer features, please contact the Client Experience Team Customer Service Center using the contact information appearing at the beginning of this Agreement. ATM and Debit Card Transactions Consistent with applicable law and restrictions described below, you may use your ATM or debit card with your personal identification number (“PIN”) to perform most routine transactions on the accounts that are accessible through use of your ATM or debit card. You can use your ATM or debit card and PIN to: • Make cash withdrawals • Make deposits of cash, checks, or drafts • Transfer funds among Bank accounts linked to the same card • Obtain your most recently available account balance • Pay for purchases at places that have agreed to accept the card Some of the above-described services may not be available at all ATMs or locations. ATM and debit card restrictions include, but are not limited to, restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. If you are under the age of 18, you are not permitted to have an ATM or debit card in your name. International ATM Transactions ATM or debit card international transactions are converted to U.S. currency according to the rules and regulations of the ATM network. The conversion of the international currency to U.S. currency may occur on a date other than the original transaction date and fees may be assessed by these networks. You are responsible for the U.S. currency amount plus any fees assessed for the currency conversion. Some services may not be available at international ATM terminals. International ATM transactions may be subject to a fee in accordance with our Schedule of Fees. Primary Account