Common use of Withdrawal Restrictions and Overdrafts Clause in Contracts

Withdrawal Restrictions and Overdrafts. We are not obligated to allow you to make a withdrawal from your Account if you don’t have sufficient available funds in the Account to cover the full amount of the withdrawal. If there are available funds to cover some, but not all, of the withdrawals or other debits (such as charges) to your Account, we post those withdrawals in the manner described in this section. The manner in which we process withdrawals or other debits may affect the amount of overdraft or non-sufficient funds charges or penalties you may incur. We establish different categories of withdrawals or other debits to your Account for this purpose. For example, we process ATM and debit card transactions, teller withdrawals and loan payments payable to us before checks. Within each category, we currently process withdrawals for that category in the following manner: • For ATM and debit card transactions, provided that such ATM or point-of- sale terminal or network is properly operating, we process such transactions as they are received by us • For ATM and debit card re-presented transactions, and for all other items for which authorization has already occurred, we process such transactions from the lowest dollar amount to the highest dollar amount • For contractual obligations, such as loans payable to us, we process such transactions from the lowest dollar amount to the highest dollar amount • For customer-initiated items, such as checks and ACH transactions, we process such transactions from the lowest dollar amount to the highest dollar amount • For Bank service fees and bank penalty fees, we process such transactions from the lowest dollar amount to the highest dollar amount (within each category) We may change the categories or the processing order of one or more of the categories at any time without notice to you, provided that such categories and processing order comply with applicable law, rule or regulation. If there are insufficient available funds to cover some of the withdrawals or debits presented against your Account, such items will be handled in accordance with our overdraft procedures or any other agreement you may have with us (such as an Overdraft Protection Agreement). Even if we choose to pay one or more overdrafts, we are not obligated to cover any future overdrafts. We may determine the balance of your Account in connection with determining whether payment of an item will create an overdraft at any time between the earlier of: (1) the time the item is presented to us for payment (by electronic or other means) or the time we receive notification that the item has been deposited for collection in another financial institution; and (2) the deadline for us to take action on the item. We are not required to determine your Account balance more than one (1) time during this period. A per item service charge may be assessed on any item that will overdraw the available Account balance, regardless of whether we pay or dishonor (i.e., return) the item. You agree immediately upon notice from us to deposit funds sufficient to cover any overdraft plus service charges, if required. We will not be liable for the dishonor of any item when the dishonor occurs because we setoff a debt against your Account. We also may refuse to allow a withdrawal if there is a dispute about the Account (unless a court has ordered us to allow the withdrawal), the Account is garnished or attached, the Account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented, or you fail to repay an obligation to us on time.

Withdrawal Restrictions and Overdrafts. We are do not obligated have to allow you to make a withdrawal from your Account if you don’t do not have sufficient available funds in the Account to cover the full amount of the withdrawal. If there are available funds to cover some, but not all, all of the withdrawals or other debits (such as charges) to your Account, we may post those withdrawals in the manner described in this section. The manner in which we process withdrawals or other debits may affect the amount of overdraft or non-sufficient funds charges or penalties you may incur. We establish different categories of withdrawals or other debits to your Account for this purpose. For example, we process ATM and debit card transactions, teller withdrawals and loan payments payable to us before checks. Within each category, we currently process withdrawals for that category in the following manner: • For ATM and debit card transactions, provided that such ATM or point-of- sale terminal or network is properly operating, we process such transactions as they are received by us • For ATM and debit card re-presented transactions, and for all other items for which authorization has already occurred, there are sufficient available funds in any order we process such transactions from the lowest dollar amount to the highest dollar amount • For contractual obligations, such as loans payable to us, we process such transactions from the lowest dollar amount to the highest dollar amount • For customer-initiated items, such as checks and ACH transactions, we process such transactions from the lowest dollar amount to the highest dollar amount • For Bank service fees and bank penalty fees, we process such transactions from the lowest dollar amount to the highest dollar amount (within each category) We may change the categories or the processing order of one or more of the categories choose at any time without notice to you, provided that such categories and processing order comply with applicable law, rule or regulationour sole discretion. If there are insufficient available funds to cover some of the withdrawals or debits presented against your Account, such items will be handled in accordance with our overdraft procedures or in accordance with any other agreement you may have with us (such as an i.e., Account Link, CheckRight Overdraft Protection AgreementLine of Credit or Premium Overdraft). Even if we choose to pay one or more overdrafts, we are not obligated to cover any future overdrafts. We may determine the balance of your Account in connection with determining whether payment of an item will create an overdraft at any time between the earlier of: (1) the time the item is presented to us for payment (by electronic or other means) or the time we receive notification that the item has been deposited for collection in another financial institution; and (2) the deadline for us to take action on the item. We are not required to determine your Account balance more than one (1) time during this period. A per item service charge may be assessed on any item that will overdraw the available Account balance, regardless of whether we pay or dishonor (i.e., return) the item. The fee assessed on consumer purpose accounts is capped at one (1) per day. You agree agree, immediately upon notice from us us, to deposit funds sufficient to cover any overdraft overdraft, plus service charges, if required. You agree to allow us to apply directly-deposited governmental benefits, including social security, to cover any overdraft. We will not be liable for the dishonor of any item when the dishonor occurs because we setoff a debt debit against your Account. We also may refuse to allow a withdrawal if there is a dispute about the Account (unless a court has ordered us to allow the withdrawal), the Account is garnished or attached, the Account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented, or you fail to repay an obligation to us on time. Overdraft services are not available on Forward Checking. You will not be charged overdraft fees on your Forward Checking account but if your account is in an overdrawn status you must promptly bring the account to a positive balance. Please refer to the applicable Overdraft Services Disclosure (Consumer or Business) for more information.

Withdrawal Restrictions and Overdrafts. We are do not obligated have to allow you to make a withdrawal from your Account if you don’t do not have sufficient available funds in the Account to cover the full amount of the withdrawal. If As explained in greater detail below, if there are available funds to cover some, but not all, of the withdrawals or other debits (such as charges) to your Account, we may post those withdrawals in the manner described in this section. The manner in which we process withdrawals or other debits may affect the amount of overdraft or non-sufficient funds charges or penalties you may incur. We establish different categories of withdrawals or other debits to debts in any order we choose even if paying a particular debit results in an insufficient available balance in your Account for this purpose. For example, we process ATM and debit card transactions, teller withdrawals and loan payments payable to us before checks. Within each category, we currently process withdrawals for that category in the following manner: • For ATM and debit card transactions, provided that such ATM or point-of- sale terminal or network is properly operating, we process such transactions as they are received by us • For ATM and debit card re-presented transactions, and for all other items for which authorization has already occurred, we process such transactions from the lowest dollar amount to the highest dollar amount • For contractual obligations, such as loans payable to us, we process such transactions from the lowest dollar amount to the highest dollar amount • For customer-initiated items, such as checks and ACH transactions, we process such transactions from the lowest dollar amount to the highest dollar amount • For Bank service fees and bank penalty fees, we process such transactions from the lowest dollar amount to the highest dollar amount (within each category) We may change the categories or the processing order of pay one or more debits that otherwise could have been paid. This may include posting the debits or charges by transaction groups and then in the order of the categories at any time without notice largest dollar amount item to youthe smallest dollar amount item (high to low posting). Further, provided that such categories and processing order comply with applicable law, rule or regulation. If if there are insufficient available funds to cover some of the withdrawals or debits presented against your Account, such items will be handled in accordance with our overdraft procedures or in accordance with any other agreement you may have with us (such as an Overdraft Protection Agreementoverdraft protection program). Even if we choose to pay one or more overdrafts, we are not obligated to cover any future overdrafts. We may determine the balance of your Account in connection with determining whether payment of an item will create an overdraft at any time between the earlier of: (1) the time the item is presented to us for payment (by electronic or other means) or the time we receive notification that the item has been deposited for collection in another financial institution; and (2) the deadline for us to take action on the item. We are not required to determine your Account account balance more than one (1) time during this period. A per nonsufficient/overdraft item service charge fee may be assessed on any item that will overdraw the available Account balance, regardless of whether we pay or dishonor (i.e., return) the item. You agree agree, immediately upon notice from us us, to deposit funds sufficient to cover any overdraft plus service chargesapplicable fees, if required. We will not be liable for the dishonor of any item when the dishonor occurs because we setoff a debt against your Account. We also may refuse to allow a withdrawal if there is a dispute about the Account (unless a court has ordered us to allow the withdrawal), the Account is garnished or attached, the Account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented, or you fail to repay an obligation to us on time.

Withdrawal Restrictions and Overdrafts. We are do not obligated have to allow you to make a withdrawal from your Account if you don’t do not have sufficient available funds in the Account to cover the full amount of the withdrawal. If As explained in greater detail below, if there are available funds to cover some, but not all, of the withdrawals or other debits (such as charges) to your Account, we may post those withdrawals in the manner described in this section. The manner in which we process withdrawals or other debits may affect the amount of overdraft or non-sufficient funds charges or penalties you may incur. We establish different categories of withdrawals or other debits to debts in any order we choose even if paying a particular debit results in an insufficient available balance in your Account for this purpose. For example, we process ATM and debit card transactions, teller withdrawals and loan payments payable to us before checks. Within each category, we currently process withdrawals for that category in the following manner: • For ATM and debit card transactions, provided that such ATM or point-of- sale terminal or network is properly operating, we process such transactions as they are received by us • For ATM and debit card re-presented transactions, and for all other items for which authorization has already occurred, we process such transactions from the lowest dollar amount to the highest dollar amount • For contractual obligations, such as loans payable to us, we process such transactions from the lowest dollar amount to the highest dollar amount • For customer-initiated items, such as checks and ACH transactions, we process such transactions from the lowest dollar amount to the highest dollar amount • For Bank service fees and bank penalty fees, we process such transactions from the lowest dollar amount to the highest dollar amount (within each category) We may change the categories or the processing order of pay one or more debits that otherwise could have been paid. This may include posting the debits or charges by transaction groups and then in the order of the categories at any time without notice largest dollar amount item to youthe smallest dollar amount item (high to low posting). Further, provided that such categories and processing order comply with applicable law, rule or regulation. If if there are insufficient available funds to cover some of the withdrawals or debits presented against your Account, such items will be handled in accordance with our overdraft procedures or in accordance with any other agreement you may have with us (such as an Overdraft Protection Agreementoverdraft protection program). Even if we choose to pay one or more overdrafts, we are not obligated to cover any future overdrafts. We may determine the balance of your Account in connection with determining whether payment of an item will create an overdraft at any time between the earlier of: (1) the time the item is presented to us for payment (by electronic or other means) or the time we receive notification that the item has been deposited for collection in another financial institution; and (2) the deadline for us to take action on the item. We are not required to determine your Account account balance more than one (1) time during this period. A per nonsufficient/ overdraft item service charge fee may be assessed on any item that will overdraw the available Account balance, regardless of whether we pay or dishonor (i.e., return) the item. You agree agree, immediately upon notice from us us, to deposit funds sufficient to cover any overdraft plus service chargesapplicable fees, if required. We will not be liable for the dishonor of any item when the dishonor occurs because we setoff a debt against your Account. We also may refuse to allow a withdrawal if there is a dispute about the Account (unless a court has ordered us to allow the withdrawal), the Account is garnished or attached, the Account has been pledged as collateral for a debt, the availability of the funds on deposit cannot be verified, any required documentation has not been presented, or you fail to repay an obligation to us on time.