Common use of Withdrawals and Transfers Clause in Contracts

Withdrawals and Transfers. You may withdraw or authorize electronic funds transfers to or from your Accounts. Transfers from your Accounts may be made to your other Accounts with us or to External Accounts at other banks that you have linked to your ableBanking Service. Subject to the restrictions set forth in this Agreement, any Account owner, acting alone, has authority to withdraw or transfer all or any part of the Account balance at any time. This Agreement imposes limits on the number of certain types of withdrawals and transfers you can make each month from a Money Market Deposit Account. You can make no more than a combined total of six (6) transactions to another account of yours or to a third party each monthly statement cycle from among the following: • Preauthorized or automatic transfers from your Account (including transfers for overdraft protection or between your Accounts). • Telephone transfers from your Account. Telephone transfers include instructions to transfer funds sent to us by facsimile or other electronic transmission, but do not include requests you make by telephone for us to mail a check payable to you. • Online withdrawal transfers from your Account. • Paper checks are not permitted on accounts opened on or after 04/01/2013. Use of paper checks ordered from another source will be returned. Transfers from your Money Market Deposit Account to an External Account or to third parties by pre- authorized, automatic or telephone transfer are limited to $25,000.00 per day. We may refuse any withdrawal or transfer request that you attempt by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. There is a fee for excessive transactions (see Fee Schedule) and repeated violations could result in your Account being closed. We count a withdrawal transaction on the date we debit it from your Account, when applying the frequency limitations. This date may be different from the date you authorize, transfer, or write the transaction, which means a transaction made during one statement cycle may not be counted until a later statement cycle. If we are presented with an item drawn against your Account that would be a "substitute check," as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. As provided by federal law, we reserve the right to require you to provide us with seven (7) days written notice before withdrawing or transferring funds from a Money Market Deposit Account. Refer to "Part II: Electronic Funds Transfer Disclosures, Limitations on Dollar Amount of Transfers" below, for additional limitations that may apply to withdrawals from your Money Market Deposit Account. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to a penalty. See your Truth in Savings Disclosure for early withdrawal penalties.

Withdrawals and Transfers. You may withdraw or authorize electronic funds transfers to or from your Accounts. Transfers from your Accounts may be made to your other Accounts with us or to External Accounts at other banks that you have linked to your ableBanking Service. Subject to the restrictions set forth in this Agreement, any Account owner, acting alone, has authority to withdraw or transfer all or any part of the Account balance at any time. This Agreement imposes limits on the number of certain types of withdrawals and transfers you can make each month from a Money Market Deposit Account. You can make no more than a combined total of six (6) transactions to another account of yours or to a third party each monthly statement cycle from among the following: •  Preauthorized or automatic transfers from your Account (including transfers for overdraft protection or between your Accounts). •  Telephone transfers from your Account. Telephone transfers include instructions to transfer funds sent to us by facsimile or other electronic transmission, but do not include requests you make by telephone for us to mail a check payable to you. •  Online withdrawal transfers from your Account. •  Paper checks are not permitted on accounts opened on or after 04/01/2013. Use of paper checks ordered from another source will be returned. Transfers from your Money Market Deposit Account to an External Account or to third parties by pre- pre-authorized, automatic or telephone transfer are limited to $25,000.00 per day. We may refuse any withdrawal or transfer request that you attempt by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. There is a fee for excessive transactions (see Fee Schedule) and repeated violations could result in your Account being closed. We count a withdrawal transaction on the date we debit it from your Account, when applying the frequency limitations. This date may be different from the date you authorize, transfer, or write the transaction, which means a transaction made during one statement cycle may not be counted until a later statement cycle. If we are presented with an item drawn against your Account that would be a "“substitute check," ” as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. As provided by federal law, we reserve the right to require you to provide us with seven (7) days written notice before withdrawing or transferring funds from a Money Market Deposit Account. Refer to "“Part II: Electronic Funds Transfer Disclosures, Limitations on Dollar Amount of Transfers" ” below, for additional limitations that may apply to withdrawals from your Money Market Deposit Account. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to a penalty. See your Truth in Savings Disclosure for early withdrawal penalties.

Withdrawals and Transfers. Available Balance. You may withdraw or authorize electronic funds transfers to or from your Accounts. Transfers from your Accounts may be made to your other Accounts with us or to External Accounts at other banks that you have linked to your ableBanking Service. Subject to the restrictions set forth in this Agreement, any Account owner, acting alone, has authority to withdraw or transfer all or any part of the Available Balance in your Deposit Account balance at any time. This , provided that the withdrawal will not cause you to exceed the Spending Limit(s) and any other limitations in this Agreement imposes or limits you set on the number Deposit Account by using the App. We determine your Available Balance by taking your previous day balance, plus any pending credit transactions (excluding pending returns), such as ACH direct deposits, and subtracting (a) pending charges such as, electronic payments, according to the Processing Order (defined in Section IV.B.9 below) (b) amount of deposits that are not yet available for withdrawal under our Funds Availability Policy, and (c) any holds on your balance, such as holds on funds to comply with court orders or other legal requirements, or as authorized by the Security Agreement. We reserve the right to use a different method in certain types states if required by law. We may permit Authorized Users to withdraw only the portion of withdrawals and transfers you can make each month the Available Balance which is designated to the Sub-Account(s) they are authorized to use. However, we are not required to do so unless required by applicable law. Withdrawal Rules. By initiating a withdrawal of funds from a Money Market your Deposit Account, you authorize us to make the transaction you select. Withdrawals may be made in U.S. dollars by using the App to authorize a transfer of funds to a Linked External Account, to make a P2P transfer to another KlaDot user, or to make a transfer to another type of account or payee we may permit from time to time. Withdrawals to a Linked External Account and P2P transfers are processed as ACH transactions. Please see the Electronic Fund Transfer Agreement for more information. We may subtract from your Deposit Account balance the amount of any withdrawal, P2P Transfer, or other debit transaction that you, or any Authorized User, or person you or an Authorized User authorized, initiated or approved. We may require you or any person you authorize to provide us with identification, documentation or information that is acceptable to us before allowing the transaction. You can may not make no more than a combined total of six (6) transactions any withdrawal in an amount that exceeds the applicable Available Balance. We may refuse to another account of yours or permit Authorized Users to a third party each monthly statement cycle from among make any withdrawal in an amount that exceeds the following: • Preauthorized or automatic transfers from your Account (including transfers for overdraft protection or between your Accounts). • Telephone transfers from your Account. Telephone transfers include instructions Available Balance applicable to transfer funds sent to us by facsimile or other electronic transmission, but do not include requests you make by telephone for us to mail a check payable to you. • Online withdrawal transfers from your Account. • Paper checks are not permitted on accounts opened on or after 04/01/2013. Use of paper checks ordered from another source will be returned. Transfers from your Money Market the Deposit Account they are authorized to an External Account or to third parties by pre- authorized, automatic or telephone transfer are limited to $25,000.00 per dayuse. We may refuse any withdrawal or transfer request that you attempt by any method on forms not approved by us, or that we do not specifically permitpermit for your Deposit Account, which or that does not include all information we require, or that is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. There is a fee for excessive transactions (see Fee Schedule) and repeated violations could result in your Account being closed. We count a withdrawal transaction on will use the date we debit it from your Account, when applying the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. This date may be different from the date you authorizeIn addition, transfer, or write the transaction, which means a transaction made during one statement cycle may not be counted until a later statement cycle. If we are presented with an item drawn against your Account that would be a "substitute check," as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such itemplace limitations on your Deposit Account until your identity is verified. As provided by federal law, we We reserve the right to require you establish (and change) maximum dollar limits for withdrawal transactions from time to provide us with seven (7) days written notice before withdrawing time. Even if we honor a nonconforming request, we are not required to do so later. Cutoff Time. Online requests to transfer funds to or transferring funds from a Money Market Deposit Account. Refer to "Part II: Electronic Funds Transfer Disclosures, Limitations on Dollar Amount of Transfers" below, for additional limitations that may apply to withdrawals from your Money Market Deposit AccountAccount must be received by us by 2:00 PM PT on a Business Day to be initiated on that Business Day. Withdrawals from Online transfer requests received by us after 2:00 PM PT or on a time account prior to maturity or prior to any notice period may day that is not a Business Day generally will be restricted and may be subject to a penalty. See your Truth in Savings Disclosure for early withdrawal penaltiesinitiated on the next Business Day.

Withdrawals and Transfers. You may withdraw or authorize electronic funds transfers to or from your Accounts. Transfers from your Accounts may be made to your other Accounts with us or to External Accounts at other banks that you have linked to your ableBanking Service. Subject to the restrictions set forth in this Agreement, any Account owner, acting alone, has authority to withdraw or transfer all or any part of the Account balance at any time. This Agreement imposes limits on the number of certain types of withdrawals and transfers you can make each month from a Money Market Deposit Account. You can make no more than a combined total of six (6) transactions to another account of yours or to a third party each monthly statement cycle from among the following: • Preauthorized or automatic transfers from your Account (including transfers for overdraft protection or between your Accounts). • Telephone transfers from your Account. Telephone transfers include instructions to transfer funds sent to us by facsimile or other electronic transmission, but do not include requests you make by telephone for us to mail a check payable to you. • Online withdrawal transfers from your Account. • Paper checks are not permitted on accounts opened on or after 04/01/2013. Use of paper checks paperchecks ordered from another source will be returned. Transfers from your Money Market Deposit Account to an External Account or to third parties by pre- pre-authorized, automatic or telephone transfer are limited to $25,000.00 per day. We may refuse any withdrawal or transfer request that you attempt by any method we do not specifically permit, which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. There is a fee for excessive transactions (see Fee Schedule) and repeated violations could result in your Account being closed. We count a withdrawal transaction on the date we debit it from your Account, when applying the frequency limitations. This date may be different from the date you authorize, transfer, or write the transaction, which means a transaction made during one statement cycle may not be counted until a later statement cycle. If we are presented with an item drawn against your Account that would be a "“substitute check," ” as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. As provided by federal law, we reserve the right to require you to provide us with seven (7) days written notice before withdrawing or transferring funds from a Money Market Deposit Account. Refer to "“Part II: Electronic Funds Transfer Disclosures, Limitations on Dollar Amount of Transfers" ” below, for additional limitations that may apply to withdrawals from your Money Market Deposit Account. Withdrawals from a time account prior to maturity or prior to any notice period may be restricted and may be subject to a penalty. See your Truth in Savings Disclosure for early withdrawal penalties.