Common use of Your Liability for Unauthorized Transactions Clause in Contracts

Your Liability for Unauthorized Transactions. Tell us AT ONCE if you believe your Access Device has been lost or stolen. Telephoning is the best way of limiting your possible losses. You are responsible for all transfers you authorize using an EFT service under this Agreement. If you permit other persons to use an EFT service or your Access Device, you are responsible for any transactions they authorize or conduct on any of your accounts. FUNDS AVAILABILIY POLICY Please read all provisions carefully in order to fully understand when funds may be available from certain deposits. Important Note: The amounts stated below are adjusted pursuant to applicable federal laws every five years. The amounts that can adjust are (1) the amounts that must be made available to you immediately; (2) the amounts we must make available to you immediately if we choose to delay availability for an extra day; and (3) the amounts of large deposits and the amounts subject to the special rules for new accounts as addressed below. To determine the actual amount in effect at any specific time, please refer to the Rate and Fee Schedule. This disclosure describes your ability to withdraw funds at the Credit Union. It only applies to the availability of funds in transaction accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. We reserve the right to delay the availability of funds deposited to accounts for transactions that appear to be suspicious or are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. General Policy: Our policy is to make funds from your deposits available to you on the same business day that we receive your deposit. Once deposits are available, you can withdraw the funds and we will use the funds to pay checks that you have written. Please remember that even after the item has “cleared,” we have made funds available to you, and you have withdrawn the funds, you are still responsible for items you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit before closing, on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing, or at a deposit box on a day we are not open, we will treat the deposit as made on the next business day we are open. In most instances, deposits of government checks and low-risk items and the first $5,000.00 of personal and business checks will be available for withdrawal on the day we receive the deposit. Government checks and low-risk items include: • On-us checks, • Certified checks, • Cashier’s checks, • Teller’s checks, • Federal Reserve Bank checks, • Federal Home Loan Bank checks, • Government checks (federal, state, and local), • United States Postal Service money orders, and • Payroll checks from Select Employer Groups (SEG). Payroll checks from Select Employer Groups (SEGs) received via direct deposit, mailed in or presented directly to will be available immediately in most instances. For Credit Union members who meet certain criteria and guidelines, in some instances and upon our discretion, additional funds from the item(s) you deposit may become available to you more quickly than listed. Decision criteria are risk based, linked to account history, determined by us using internal and confidential information, and are subject to change at any time without notice. At a minimum, you will receive funds availability as listed herein.

Your Liability for Unauthorized Transactions. Tell us AT ONCE if you believe your Access Device has been lost or stolen. Telephoning is the best way of limiting your possible losses. You are responsible for all transfers you authorize using an EFT service under this Agreement. If you permit other persons to use an EFT service or your Access Device, you are responsible for any transactions they authorize or conduct on any of your accounts. FUNDS AVAILABILIY POLICY Please read all provisions carefully in order to fully understand when funds may be available from certain deposits. Important Note: The amounts stated below are adjusted pursuant to applicable federal laws every five years. The amounts that can adjust are (1) the amounts that must be made available to you immediately; (2) the amounts we must make available to you immediately if we choose to delay availability for an extra day; and (3) the amounts of large deposits and the amounts subject to the special rules for new accounts as addressed below. To determine the actual amount in effect at any specific time, please refer to the Rate and Fee Schedule. This disclosure describes your ability to withdraw funds at the Credit Union. It only applies to the availability of funds in transaction accounts. Transaction accounts, in general, are accounts which permit an unlimited number of payments to third persons and an unlimited number of telephone and preauthorized transfers to other accounts of yours with us. Checking accounts are the most common transaction accounts. We reserve the right to delay the availability of funds deposited to accounts for transactions that appear to be suspicious or are not transaction accounts for periods longer than those disclosed in this policy. Please ask us if you have a question about which accounts are affected by this policy. General Policy: Our policy is to make funds from your deposits available to you on the same business day that we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Once deposits are available, you can withdraw the funds and we will use the funds to pay checks that you have written. Please remember that even after the item has “cleared,” we have made funds available to you, and you have withdrawn the funds, you are still responsible for items you deposit that are returned to us unpaid and for any other problems involving your deposit. For determining the availability of your deposits, every day is a business day except Saturdays, Sundays, and federal holidays. If you make a deposit before closing, on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit after closing, or at a deposit box on a day we are not open, we will treat the deposit as made on the next business day we are open. In most instances, deposits of government checks and low-risk items and the first $5,000.00 5,525.00 of personal and business checks will be available for withdrawal on the day we receive the deposit. Government checks and low-risk items include: • On-us checks, • Certified checks, • Cashier’s checks, • Teller’s checks, • Federal Reserve Bank checks, • Federal Home Loan Bank checks, • Government checks (federal, state, and local), • United States Postal Service money orders, and • Payroll checks from Select Employer Groups (SEG). Payroll checks from Select Employer Groups (SEGs) received via direct deposit, mailed in or presented directly to will be available immediately in most instances. For Credit Union members who meet certain criteria and guidelines, in some instances and upon our discretion, additional funds from the item(s) you deposit may become available to you more quickly than listed. Decision criteria are risk based, linked to account history, determined by us using internal and confidential information, and are subject to change at any time without notice. At a minimum, you will receive funds availability as listed herein.