Types of Preauthorized Transfers. You may arrange for us to complete the following preauthorized transfers to or from your deposit accounts: ▪ Accept direct deposits from your employer or other financial institutions to your checking or savings account. ▪ Accept direct deposits from the U.S. Treasury Department to your checking or savings account. ▪ Pay certain recurring bills from your checking or savings account.

Types of Preauthorized Transfers. You may arrange for us to complete the following preauthorized transfers to or from your deposit accounts: Pay certain recurring bills from your checking or savings account. Fees and Charges: We do not charge for any preauthorized EFTs. R Bank Cash & Check Card Types of Transactions/Transfers: You may use the card and PIN issued you to pay for purchases from merchants who have agreed to accept the card at Point of Sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card with a MasterCard symbol. You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the Combined ATM/POS/Debit Card Request Form. At present you may use your card to (some of these services may not be available at all ATMs): * Withdraw cash from your checking account. * Withdraw cash from your savings account. * Obtain balance information on your deposit accounts. Limitations on Frequency and Amount: * You may withdraw up to a maximum of $500.00 (if there are sufficient funds in your account) per day. * For security purposes, there are limits on the frequency and amount of transfers you may make using ATMs. * You may purchase up to a maximum of $2500.00 worth of goods and services per day, exclusive of ATM withdrawals. Fees and Charges: * There is no charge for ATM withdrawals at machines owned by us. * There is a $2.00 charge for each ATM withdrawal at machines we do not own. * We do not charge for any POS transactions. ATM Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

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Types of Preauthorized Transfers. You may arrange for us to complete the following preauthorized transfers to your accounts: • Accept direct deposits from your employer or other financial institutions to your draft, checking or share account. Fees and Charges: • We do not charge for any preauthorized EFTs. • We will charge $25.00 for each stop-payment order for preauthorized transfers.

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Types of Preauthorized Transfers. You may arrange for us to complete the following preauthorized transfers to or from your accounts: * Pay certain recurring bills from your draft, checking or share account. Fees and Charges: * We do not charge for any preauthorized EFTs. MasterCard Debit Card

Types of Preauthorized Transfers. You may arrange for us to complete the following preauthorized transfers to your deposit accounts: * Accept direct deposits from your employer or other financial institutions to your checking or savings account. Fees and Charges: * We do not charge for any preauthorized EFTs. * We will charge $12.00 for each stop-payment order for preauthorized transfers. POS

Types of Preauthorized Transfers. You may arrange for us to complete the following preauthorized transfers to or from your deposit accounts: * Pay certain recurring bills from your checking or savings account. * Accept direct deposits from the U.S. Treasury Department to your checking or savings account or accept direct deposits from your employer or other financial institutions to your checking or savings acct. In the event you authorize direct deposits from the U.S. Treasury Department, you also give consent for the bank to offset these deposits against any amounts owing on your accounts, including but not limited to overdrafts.

Types of Preauthorized Transfers. You may arrange for us to complete the following preauthorized transfers to or from your deposit accounts: * Pay certain recurring bills from your checking or savings account. Fees and Charges: * We do not charge for any preauthorized EFTs. * We will charge $12.00 for each stop-payment order for preauthorized transfers. * We will charge $4.50 per unauthorized ACH debit or credit entry dispute Loan Payments Types of Preauthorized Transfers: You may arrange for us to complete the following preauthorized transfers to or from your deposit accounts. Pay certain recurring bills from your checking or savings account. Fees and Charges: * We do not charge for any preauthorized EFTs. Preauthorized deposits

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