Common use of CHECK AGREEMENT Clause in Contracts

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response System; (c) Our C.U. At Home Online Personal Computer Account Access System; and (d) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; (d) that You may make ATM withdrawals from Your Share Draft Checking Account, Share Savings Account and/or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); and

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By 24 Hour Automated Phone Audio Response System; (c) Our C.U. At Home Online Personal Computer Account Access SystemCenter system; and (dc) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our 24 Hour Automated Phone Center system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make be charged to Your savings or checking Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your savings Account in any order We determine; and (2) We cannot honor stop payment requests on ATM withdrawals and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your savings and/or checking Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the number of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM Card and MasterMoney Debit Card transactions and a separate Access Code to be used in conjunction with 24 Hour Automated Phone Center. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings savings Account and/or or Your Line of Credit that You may have with Us up checking Account to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone ABE Audio Response SystemTelephone Transfers system; (c) Our C.U. At Home ABE Online Personal Banking Computer Account Access SystemTransfers system (c) Our ABEFCU Mobile App system; and (d) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our ABE Audio Response Telephone Transfers system, Our ABE Online Banking Computer Transfers system, Our ABEFCU Mobile App system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make be charged to Your share or share draft Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your share Account in any order We determine; and (2) We cannot honor stop payment requests on ATM withdrawals and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your share and/or share draft Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the number of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued a Personal Identification Number (PIN) to be used in conjunction with ABEFCU ATM or ABEFCU Debit MasterCard transactions, and separate Access Codes to be used in conjunction with Our ABE Audio Response Telephone Transfers system, ABE Online Banking Computer Transfers and ABEFCU Mobile App transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings share Account and/or or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Touch Tone Teller Audio Response System; (c) Our C.U. At Home Online Banking Personal Computer Account Access System; (d) Our Mobile Banking System; and (de) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our Touch Tone Teller System, Home Banking System, Mobile Banking System, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make be charged to Your share or share draft Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your share Account in any order We determine; and (2) We cannot honor stop payment requests on ATM withdrawals and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your share and/or share draft Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the number of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with VISA Debit Card transactions and separate Access Codes to be used in conjunction with Touch Tone Teller, Home Banking, Mobile Banking, and Bill Pay transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings share Account and/or or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. Bank By Phone Audio Response Systemsystem; (c) Our C.U. At Home Online Personal Computer Account Access SystemBanking system; (d) Our Mobile Banking system; and (de) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our Bank By Phone system, Our Online Banking system, Our Mobile Banking system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make be charged to Your share or share draft Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your share Account in any order We determine; and (2) We cannot honor stop payment requests on ATM withdrawals and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your share and/or share draft Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the number of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued a Personal Identification Number (PIN) to be used in conjunction with VISA Debit Card transactions, and separate Access Codes to be used in conjunction with Bank By Phone, Online Banking, and Mobile Banking transfers. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings share Account and/or or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response SystemCU* Talk Telephone Teller system; (c) Our C.U. At Home It’s Me 247 Online Personal Computer Account Access SystemBanking system; (d) Our DayMet Credit Union Mobile Banking; (e) Our Text Banking system; and (df) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our CU* Talk Telephone Teller system, Our It’s Me 247 Online Banking system, Our DayMet Credit Union Mobile Banking, Our Text Banking system, and E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make be charged to Your share or share draft Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your share Account in any order We determine; and (2) We cannot honor stop payment requests on ATM withdrawals and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your share and/or share draft Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the number of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM Card and Debit Mastercard transactions and separate Access Codes to be used in conjunction with CU* Talk Telephone Teller, It’s Me 247 Online Banking, and Text Banking. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings share Account and/or or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent apparent, or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to to, the following: (a) Your ATM Card in Automated Teller Machines (ATMs) ATMs or at any place that it is honored honored, including those transactions made through the use of the appropriate PIN in conjunction with Your ATM Card; (b) Our C.U. By Phone Audio Response SystemYour Visa Debit Card in ATMs or at any place that it is honored, including transactions made through the use of the appropriate PIN in conjunction with Your Visa Debit Card; (c) Our C.U. At Home Online Personal Computer Account Access System; and (d) any check which that You authorize the payee to process electronically; (d) Our TeleBranch 24 audio response system; (e) Our Internet Branch computer account access system; and (f) pre - authorized deposits and/or payments. An electronic fund transfer is any transfer of funds which that is performed through the use of Your ATM Card, Visa Debit Card, Our TeleBranch 24 audio response system, Our Internet Branch computer account access service, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN PIN, and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN PIN, and/or other Account access device; (b) that We may follow all instructions given to machines; (c) not to use Your Card for illegal transactions transactions, including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal Federal law; and (d) that each withdrawal by You or by any authorized user of Your Card, PIN, or Access Code may make ATM withdrawals from be charged to Your Share Draft Checking AccountSavings or Checking, Share Savings Account and/or Your Line of Credit that You may have with Us up to a maximum daily amount (share, or line of credit as appropriate, and will be treated as though it were a share draft combinedwithdrawal except that: (1) of $500.00We may charge withdrawals to Your Account(s) in any order We determine; (2) We cannot honor stop payment requests on ATM, provided You have enough money Visa Debit Card, TeleBranch 24, Internet Branch, and POS withdrawals. We may, but are under no obligation to, process an Electronic Fund Transfer that exceeds the balance in Your AccountsSavings and/or Checking Account. In the event that any such transfer occurs, You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up agree to a maximum daily immediately pay Us the overdrawn amount of $2,500.00and, provided You have enough money or available credit in Your Account(s); andto the extent permitted by law, any associated fees and charges.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(syour account(s) by You you or by any user who has access to Your Account your account with actual, apparent or implied authority for use of Your Accountyour account. Electronic fund transfers to and from Your Account your account can be made through the use of, but may not be limited to the following: (a) Your Card your card in Automated Teller Machines (ATMsATM) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Cardyour card; (b) Our C.U. By Phone our TOPS Audio Response System; (c) Our C.U. At Home our Online Banking Personal Computer Account Access System; and (d) any check which You you authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Cardyour card, E-Check, Our C.U. By Phone our TOPS Audio Response System, Our C.U. At Home our Online Banking Personal Computer Account Access System System, E-Check or other electronic device. You understand that Your Card your card and any Personal Identification Numbers (PINsPINS) or Access Codes are issued by Us us and are not transferable. The use of Your Cardyour card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our our rules and regulations as amended related to the use of Your Cardyour card, PIN and/or other Account access device; (b) that We we may follow all instructions given to machines; (c) not to use Your Card your card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that You each withdrawal by you or by any authorized user of your card or PIN may make ATM withdrawals from Your Share Draft Checking Account, Share Savings Account and/or Your Line of Credit that You may have with Us up be charged to a maximum daily amount (share, line of credit and your share or share draft combinedaccount, as appropriate, and will be treated as though it were a share withdrawal except that: (1) of $500.00we may charge withdrawals to your share account in any order we determine; and (2) we cannot honor stop payment requests on ATM and POS withdrawals. We may, provided You have enough money but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your Accountsyour savings and/or share draft/checking account. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up In the event that any such transfer occurs, you agree to a maximum daily immediately pay us the overdrawn amount of $2,500.00and to the extent permitted by law, provided You have enough money or available credit in Your Account(s); andany associated fees and charges.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response System; (c) Our C.U. At Home Online Personal Computer Account Access System; and (d) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; (d) that You may make ATM withdrawals from Your Share Draft Checking Account, Share Savings Account and/or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andof

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response System; (c) Our C.U. At Home Online Personal Computer Account Access System; and (d) any check which You authorize the payee to process electronically; (c) Our Personal Account Line Audio Response system; (d) Our PC Branch Personal Computer Account Access System; and (e) Our Bill Payment System. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, E-Check, Our C.U. By Phone Personal Account Line Audio Response System, Our C.U. At Home Online PC Branch Personal Computer Account Access System, Our Bill Payment System or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or PINs and/or Access Codes are issued by Us and are not transferable. Your PIN is confidential and should not be disclosed to anyone. The use of Your Card, PIN and/or any other Account access device Card is subject to the following terms. You agree: (a) to abide by Our rules Rules and regulations Regulations as amended related relating to the use of Your the Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machines; and (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law. Each withdrawal by You, or anyone else to whom You give Your PIN or to whom You allow access to Your Account, will be charged to Your share or share draft Account and will be treated as though it were a withdrawal except that: (1) We will charge such withdrawals to Your Account in the order they are received by or otherwise presented to Us, regardless of the amount; and (d2) We cannot honor stop payment requests on ATM and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your share and/or share draft Account. In the event that any such transfer occurs, You may make agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS (PINs) AND/OR ACCESS CODES. We will issue to You separate Personal Identification Numbers (PINs) and/or Access Codes to be used in conjunction with Your ATM withdrawals Card, VISA Check Card, Personal Account Line, PC Branch and Bill Payment. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings share Account and/or or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response SystemTelephone Banking system; (c) Our C.U. At Home Online Personal Computer Account Access SystemBanking system; (d) Our Online Bill Pay system; and (de) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, E-CheckOur Telephone Banking system, Our C.U. By Phone Audio Response SystemOnline Banking system, Our C.U. At Home Online Personal Computer Account Access System Bill Pay system, E- Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make be charged to Your share or share draft Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your share Account in any order We determine; and (2) We cannot honor stop payment requests on ATM withdrawals and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your share and/or share draft Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the number of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with VISA Debit Card transactions and separate Access Codes to be used in conjunction with Telephone Banking, and Online Banking. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings share Account and/or or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Banking Audio Response System; (c) Our C.U. At Home Business Online Banking Personal Computer Account Access System; and (d) any check which You authorize the payee to process electronically. An electronic fund Electronic transfer is any transfer of funds which is performed through the use of Your Card, E-Check, Our C.U. By Phone Banking Audio Response System, Our C.U. At Home Business Online Banking Personal Computer Account Access System or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal Federal law; (d) that You may make ATM withdrawals from Your Share Draft Checking Account, Share Savings Account and/or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andand (e) that each withdrawal by You or by

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response System; (c) Our C.U. At Home Online Personal Computer Account Access System; and (d) any check which You authorize the payee to process electronically; (c) Our 1st Financial Telephone Teller Audio Response system; and (d) Our Netbr@nch Internet Account Access System. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, E-Check, Our C.U. By Phone 1st Financial Telephone Teller Audio Response System, Our C.U. At Home Online Personal Computer Netbr@nch Internet Account Access System or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or PINs and/or Access Codes are issued by Us and are not transferable. Your PIN is confidential and should not be disclosed to anyone. The use of Your Card, PIN and/or any other Account access device Card is subject to the following terms. You agree: (a) to abide by Our rules Rules and regulations Regulations as amended related relating to the use of Your the Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machines; and (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law. Each withdrawal by You, or anyone else to whom You give Your PIN or to whom You allow access to Your Account, will be charged to Your share or share draft Account and will be treated as though it were a withdrawal except that: (1) We may charge withdrawals in any order We determine; and (d2) We cannot honor stop payment requests on ATM and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your share and/or share draft Account. In the event that any such transfer occurs, You may make ATM withdrawals agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS (PINs) AND/OR ACCESS CODES. We will issue to You separate Personal Identification Numbers (PINs) and/or Access Codes to be used in conjunction with Your Card, VISA Check Card, 1st Financial Telephone Teller and Netbr@nch. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings share Account and/or or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response System; (c) Our C.U. At Home Online Personal Computer Account Access System; and (d) any check which You authorize the payee to process electronically; (c) Our Televoice Audio Response system; and (d) Our One2Go Personal Computer Account Access System. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, E-Check, Our C.U. By Phone Televoice Audio Response System, Our C.U. At Home Online One2Go Personal Computer Account Access System or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or PINs and/or Access Codes are issued by Us and are not transferable. Your PIN is confidential and should not be disclosed to anyone. The use of Your Card, PIN and/or any other Account access device Card is subject to the following terms. You agree: (a) to abide by Our rules Rules and regulations Regulations as amended related relating to the use of Your the Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machines; and (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; (d) that . Each withdrawal by You, or anyone else to whom You may make ATM withdrawals from give Your Share Draft Checking PIN or to whom You allow access to Your Account, Share Savings Account and/or will be charged to Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share or share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to and will be treated as though it were a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andwithdrawal except that:

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent apparent, or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response System; (c) Our C.U. At Home Online Personal Computer Account Access System; and (d) any check which You authorize the payee to process electronically; (c) Our Online Banking System; and (d) Our Mobile Banking System. An electronic fund transfer is any transfer of funds which is performed through the use of Your ATM or VISA Debit Card, E-Check, Our C.U. By Phone Audio Response Online Banking System, and Our C.U. At Home Online Personal Computer Account Access System Mobile Banking System, or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or PINs and/or Access Codes are issued by Us and are not transferable. Your PIN is confidential and should not be disclosed to anyone. The use of Your Card, PIN and/or any other Account access device Card is subject to the following terms. You agree: (a) to abide by Our rules Rules and regulations Regulations as amended related relating to the use of Your the Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machines; and (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; (d) that . Each withdrawal by You, or anyone else to whom You may make ATM withdrawals from give Your Share Draft Checking PIN or to whom You allow access to Your Account, Share Savings Account and/or will be charged to Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share or share draft combinedAccount and will be treated as though it were a withdrawal except that: (1) of $500.00We may charge withdrawals in any order We determine; and (2) We cannot honor stop payment requests on ATM and POS withdrawals. We may, provided You have enough money but are under no obligation to do so, process an electronic fund transfer that exceeds the balance in Your Accountsshare and/or share draft Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the dollar amount of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS (PINs) AND/OR ACCESS CODES. You may also make Point request separate Personal Identification Numbers (PINs) and/or Access Codes to be used in conjunction with Your ATM or VISA Debit Card, Online Banking, and Mobile Banking. Your use of Sale ("POS") withdrawals Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft share Account with or Your Card up share draft Account to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response SystemDirect Dial 24 system; (c) Our C.U. At Home Online Personal Computer Account Access SystemBanking system; and (d) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our Direct Dial 24 system, Our Online Banking system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make be charged to Your savings or checking Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your savings Account in any order We determine; and (2) We cannot honor stop payment requests on ATM withdrawals and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your savings and/or checking Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the number of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued a Personal Identification Number (PIN) to be used in conjunction with ATM Card and MasterCard Debit Card transactions, and separate Access Codes to be used in conjunction with Direct Dial 24, and Online Banking. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings savings Account and/or or Your Line of Credit that You may have with Us up checking Account to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response SystemMobicint system; (c) Our C.U. At Home Online Personal Computer Account Access System; and (dC) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our Mobicint system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make be charged to Your share or share draft Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your share Account in any order We determine; and (2) We cannot honor stop payment requests on ATM withdrawals and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your share and/or share draft Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the number of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with MasterCard Debit Card transactions and separate Access Codes to be used in conjunction with Our Mobicint transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings share Account and/or or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to to, the following: (a) Your ATM Card in Automated Teller Machines conjunction with Your Personal Identification Number (ATMs"PIN") or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Cardhonored; (b) Our C.U. By Phone Audio Response SystemVoiceOne system; (c) Our C.U. At Home Online Personal Computer Account Access SystemYour VISA Check Card at any place that it is honored; and (d) Your VISA credit card (to the extent that such card has directly accessed one of Your asset Accounts with Us) at any place that it is honored; (e) any check which You authorize the payee to process electronically; and (f) Our AltaOne Online Banking system. You understand that Your Account Access Cards are issued by Us and are not transferable. An electronic fund transfer is any transfer of funds which is performed through the use of Your ATM Card, VoiceOne, Our AltaOne Online Banking system, VISA Check Card, VISA credit card (to the extent that such card has directly accessed one of Your asset Accounts with Us), E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic devicedevices. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes Cards are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations regulations, as amended amended, related to the use of Your Card, PIN and/or other Account access devicethe Card(s); (b) that We may follow all instructions given to machines; (c) that We may restrict the use of or terminate Your Card(s) at any time without notice; (d) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; (de) that for ATM Card and VISA credit card, You may make an unlimited number of withdrawals in increments of $20.00, up to a maximum of $600.00 in each 24-hour period provided You have enough money in Your Account; and (f) that for VISA Check Card, You may make ATM withdrawals from Your Share Draft Checking Account, Share Savings Account and/or Your Line of Credit Share Draft Account that You may have with Us up to a maximum daily amount (share, share draft and line of credit and share draft combined) of $500.00600.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") PIN-based withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00500.00 and signature-based withdrawals from Your Share Draft Account up to a maximum daily amount of $9,999.99, provided You have enough money or available credit in Your Account(s); . For security reasons, in the event that the system is off-line these amounts may be reduced, and, at all times, there are limits on the number of transfers You can make using Our VISA Check Card services. Transactions made at ATMs that We own will be posted to Your Account on the business day that We receive Your deposit. The entire amount of deposited funds may not be available to You on the day of Your transactions, however, the first $225.00 of Your ATM deposits during a business day will be immediately available for withdrawal. Your ATM receipt will show this as an increase in Your "available balance" and the "new balance" on the receipt will reflect Your balance prior to that business day's ATM deposits plus the first $225.00 of such deposits.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent apparent, or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response System; (c) Our C.U. At Home Online Personal Computer Account Access System; and (d) any check which You authorize the payee to process electronically; (c) Our Online Banking System; and (d) Our Mobile Banking System. An electronic fund transfer is any transfer of funds which is performed through the use of Your ATM or VISA Debit Card, E-Check, Our C.U. By Phone Audio Response Online Banking System, and Our C.U. At Home Online Personal Computer Account Access System Mobile Banking System, or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or PINs and/or Access Codes are issued by Us and are not transferable. Your PIN is confidential and should not be disclosed to anyone. The use of Your Card, PIN and/or any other Account access device Card is subject to the following terms. You agree: (a) to abide by Our rules Rules and regulations Regulations as amended related relating to the use of Your the Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machines; and (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; (d) that . Each withdrawal by You, or anyone else to whom You may make ATM withdrawals from give Your Share Draft Checking PIN or to whom You allow access to Your Account, Share Savings Account and/or will be charged to Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share or share draft combinedAccount and will be treated as though it were a withdrawal except that: (1) of $500.00We may charge withdrawals in any order We determine; and (2) We cannot honor stop payment requests on ATM and POS withdrawals. We may, provided You have enough money but are under no obligation to do so, process an electronic fund transfer that exceeds the balance in Your Accountsshare and/or share draft Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the dollar amount of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS (PINs) AND/OR ACCESS CODES. You may also make Point select a separate Personal Identification Numbers (PINs) and/or Access Codes to be used in conjunction with Your ATM or VISA Debit Card, Online Banking, and Mobile Banking. Your use of Sale ("POS") withdrawals Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft share Account with or Your Card up share draft Account to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your your Account(s) by You or by any user who has access to Your your Account with actual, apparent or implied authority for use of Your your Account. Electronic fund transfers to and from Your your Account can be made through the use of, but may not be limited to the following: (a) • Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) your Card • Our C.U. Bank By Phone Audio Response System; (c) system • Our C.U. At Home Online Personal Computer Account Access System; and (d) Banking system • Our Mobile Banking system • any check which You authorize the payee to process electronically. electronically An electronic fund transfer Electronic Fund Transfer is any transfer of funds which is performed through the use of Your your Card, Our Bank By Phone system, Our Online Banking system, Our Mobile Banking system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to • To abide by Our rules and regulations as amended related to the use of Your your Card, PIN and/or other Account access device; (b) that device • That We may follow all instructions given to machines; (c) not Machines • Not to use Your your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; (d) that law • That each withdrawal by You or by any authorized user of your Card or PIN may make ATM withdrawals from Your Share Draft Checking be charged to your share or share draft Account, Share Savings Account and/or Your Line of Credit that You may have with Us up to as appropriate, and will be treated as though it were a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andwithdrawal except that:

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audioline Audio Response System; (c) Our C.U. At Home Online Banking Personal Computer Account Access System; and (d) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our Audioline system, Our Online Banking system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make be charged to Your share or share draft Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your share Account in any order We determine; and (2) We cannot honor stop payment requests on ATM withdrawals and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your share and/or share draft Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the number of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with VISA Debit Card transactions, and separate Access Codes to be used in conjunction with Audioline and Online Banking transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings share Account and/or or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund funds transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent apparent, or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your ATM Card or Debit MasterCard in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your CardATM Card or Debit MasterCard; (b) Our C.U. By Phone Audio Response System; (c) Our C.U. At Home Online Personal Computer Account Access System; and (d) any check in which You authorize the payee to process electronically; (c) Our Voice Banking Audio Response System; (d) Our Online/Mobile Banking Personal Computer and/or Mobile Computing Device Account Access System. An electronic fund transfer is any transfer of funds which is performed through the use of Your ATM Card, Debit MasterCard, E-Check, Our C.U. By Phone Voice Banking Audio Response System, Our C.U. At Home Online Online/Mobile Banking Personal Computer and/or Mobile Computing Device Account Access System System, or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or PINs and/or Access Codes are issued by Us and are not transferable. Your PIN is confidential and should not be disclosed to anyone. The use of Your Card, PIN and/or any other Account access device Card is subject to the following terms. You agree: (a) to abide by Our rules Rules and regulations Regulations as amended related relating to the use of Your the Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machines; and (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; (d) that . Each withdrawal by You, or anyone else to whom You may make ATM withdrawals from give Your Share Draft Checking PIN or to whom You allow access to Your Account, Share Savings will be charged to Your savings or checking Account and/or Your Line of Credit and will be treated as though it were a withdrawal except that: (1) We may charge withdrawals in any order We determine; and (2) We cannot honor stop payment requests on ATM and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money exceeds the balance in Your Accountssavings and/or checking Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS (PINs) AND/OR ACCESS CODES. We will issue to You separate Personal Identification Numbers (PINs) and/or Access Codes to be used in conjunction with ATM Card, Debit MasterCard, Voice Banking, and Online/Mobile Banking. You may also make Point select such PIN and/or Access Code. Your use of Sale ("POS") withdrawals Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft savings Account with or Your Card up checking Account to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer Electronic Fund Transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers Fund Transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response SystemNetBranch Online Banking system; (c) Our C.U. At Home Online Personal Computer Account Access SystemMobiliti Mobile Banking system; and (d) any check which You authorize the payee to process electronically. An electronic fund transfer Electronic Fund Transfer is any transfer of funds which is performed through the use of Your Card, Our NetBranch Online Banking system, Our Mobiliti Mobile Banking system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make ATM withdrawals from be charged to Your Share Draft Checking savings or checking Account, Share Savings Account and/or Your Line of Credit that You may have with Us up to as appropriate, and will be treated as though it were a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andwithdrawal except that:

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response SystemTeller system; (c) Our C.U. At Home Online Personal Computer Account Access SystemeBranch system; and (d) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our Audio Teller system, Our eBranch system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make be charged to Your share or share draft Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your share Account in any order We determine; and (2) We cannot honor stop payment requests on ATM withdrawals and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your share and/or share draft Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM Card and Debit MasterCard transactions and separate Access Codes to be used in conjunction with Audio Teller, and eBranch transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings share Account and/or or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response SystemTeller-24 system; (c) Our C.U. At Home Online Personal Computer Account Access SystemBranching system; (d) Our Mobile Banking system; and (de) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our Teller-24 system, Our Home Branching system, Our Mobile Banking system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make be charged to Your share or share draft Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your share Account in any order We determine; and (2) We cannot honor stop payment requests on ATM withdrawals and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your share and/or share draft Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the number of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued a Personal Identification Number (PIN) to be used in conjunction with ATM Card and MasterCard Debit Card transactions, and separate Access Codes to be used in conjunction with Teller-24, Home Branching, and Mobile Banking transfers. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings share Account and/or or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent apparent, or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Automated Phone Audio Banking Audio-Response System; (c) Our C.U. At Home Online Personal Computer Account Access System; and (dc) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our Automated Phone Banking system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN PIN, and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN PIN, and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make be charged to Your share or share draft Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your share Account in any order We determine; and (2) We cannot honor stop payment requests on ATM withdrawals and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your share and/or share draft Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the number of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with VISA Debit Card transactions and separate Access Codes to be used in conjunction with Automated Phone Banking transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings share Account and/or or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response System24 system; (c) Our C.U. At Home Online Personal Computer Account Access SystemBanking system; (d) Our Internet Bill Payment system; (e) Our Mobile Banking system; and (df) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our Audio 24 system, Our Online Banking system, Our Internet Bill Payment system, Our Mobile Banking system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make ATM withdrawals from be charged to Your Share Draft Checking share or share draft Account, Share Savings Account and/or Your Line of Credit that You may have with Us up to as appropriate, and will be treated as though it were a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andwithdrawal except that:

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response SystemInternet Banking system; (c) Our C.U. At Home Online Personal Computer Account Access SystemMobile Banking system; and (d) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Internet Banking system, Mobile Banking system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make ATM withdrawals from be charged to Your Share Draft Checking share or checking Account, Share Savings Account and/or Your Line of Credit that You may have with Us up to as appropriate, and will be treated as though it were a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andwithdrawal except that:

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response SystemTelephone Teller system; (c) Our C.U. At Home Online Personal Computer Account Access SystemBanking system; and (d) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our Telephone Teller system, Our Online Banking system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make be charged to Your share or share draft Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your share Account in any order We determine; and (2) We cannot honor stop payment requests on ATM withdrawals and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your share and/or share draft Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the number of transactions that may be processed each day. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with VISA Check Card transactions and separate Access Codes to be used in conjunction with Telephone Teller and Online Banking transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Draft Checking Account, Share Savings share Account and/or or Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andcover such transactions.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(syour account(s) by You you or by any user who has access to Your Account your account with actual, apparent or implied authority for use of Your Accountyour account. Electronic fund transfers to and from Your Account your account can be made through the use of, but may not be limited to the following: (a) Your Card your card in Automated Teller Automat- xx Xxxxxx Machines (ATMsATM) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Cardyour card; (b) Our C.U. By Phone our TOPS Audio Response System; (c) Our C.U. At Home our Online Banking Personal Computer Account Access System; and (d) any check which You you authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Cardyour card, E-Check, Our C.U. By Phone our TOPS Audio Response System, Our C.U. At Home our Online Banking Personal Computer Account Access System System, E-Check or other electronic device. You understand that Your Card your card and any Personal Identification Numbers (PINsPINS) or Access Codes are issued by Us us and are not transferable. The use of Your Cardyour card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our our rules and regulations as amended related to the use of Your Cardyour card, PIN and/or other Account access device; (b) that We we may follow all instructions given to machines; (c) not to use Your Card your card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that You each withdrawal by you or by any authorized user of your card or PIN may make ATM withdrawals from Your Share Draft Checking Account, Share Savings Account and/or Your Line of Credit that You may have with Us up be charged to a maximum daily amount (share, line of credit and your share or share draft combinedaccount, as appropriate, and will be treated as though it were a share withdrawal except that: (1) of $500.00we may charge withdrawals to your share account in any order we determine; and (2) we cannot honor stop payment requests on ATM and POS withdrawals. We may, provided You have enough money but are under no obligation to do so, process an Electronic Fund Transfer that exceeds the balance in Your Accountsyour savings and/or share draft/check- ing account. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up In the event that any such transfer occurs, you agree to a maximum daily immediately pay us the overdrawn amount of $2,500.00and to the extent permitted by law, provided You have enough money or available credit in Your Account(s); andany associated fees and charges.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response SystemCU* Talk Telephone Teller system; (c) Our C.U. At Home It’s Me 247 Online Personal Computer Account Access SystemBanking system; (d) Our DayMet Credit Union Mobile Banking; (e) Our Text Banking system; and (df) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our CU* Talk Telephone Teller system, Our It’s Me 247 Online Banking system, Our DayMet Credit Union Mobile Banking, Our Text Banking system, and E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make ATM withdrawals from be charged to Your Share Draft Checking share or share draft Account, Share Savings Account and/or Your Line of Credit that You may have with Us up to as appropriate, and will be treated as though it were a maximum daily amount (share, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andwithdrawal except that:

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response Cash Management and NetTeller Personal Computer Account Access System; (c) Our C.U. At Home Online Personal Computer Mobile Banking Portable Device Account Access System; and (d) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our Cash Management system, Our NetTeller system, Our Mobile Banking system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (dct) that each withdrawal by You or by any authorized user of Your Card or PIN may be charged to Your share or checking Account, as appropriate, and will be treated as though it were a share withdrawal except that: (1) We may charge withdrawals to Your share Account in any order We determine; and (2) We cannot honor stop payment requests on ATM and POS withdrawals. We may, but are under no obligation to do so, process an Electronic Transfer that exceeds the balance in Your share and/or checking Account. In the event that any such transfer occurs, You agree to immediately pay Us the overdrawn amount and to the extent permitted by law, any associated fees and charges. For security reasons there are limits on the number of transactions that may be processed each day. TYPES AND LIMITATIONS OF SERVICES VISA CHECK CARD TRANSACTIONS. You may make ATM withdrawals from use Your Share Draft Checking AccountCard in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, Share Savings Account and/or to deposit cash and checks to Your Line of Credit that You may have with Us up to a maximum daily amount (share, line of credit share and share draft combined) of $500.00, provided You have enough money in Your Accountschecking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, subject to the available funds in Your Account, to make Point of Sale the following transactions: ("POS"a) withdrawals withdraw cash from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your share and checking Account(s); and(b) transfer funds between Your share and checking Account(s); and (c) make balance inquiries on Your share and checking Account(s) with Us. At the present time, You may also use Your Card in conjunction with Your PIN to purchase goods and services (“POS”) at any business establishment where the Card is accepted, subject to the available funds in Your Account.

CHECK AGREEMENT. This Agreement applies to any electronic fund transfer made to or from Your Account(s) by You or by any user who has access to Your Account with actual, apparent or implied authority for use of Your Account. Electronic fund transfers to and from Your Account can be made through the use of, but may not be limited to the following: (a) Your Card in Automated Teller Machines (ATMs) or at any place that it is honored including those transactions made through the use of the appropriate PIN in conjunction with Your Card; (b) Our C.U. By Phone Audio Response SystemFast Teller system; (c) Our C.U. At Home Online Personal Computer Account Access SystemXxxxxxxx@xxxx system; (d) Our Mobile Banking system; and (de) any check which You authorize the payee to process electronically. An electronic fund transfer is any transfer of funds which is performed through the use of Your Card, Our Fast Teller system, Xxxxxxxx@xxxx system, Our Mobile Banking system, E-Check, Our C.U. By Phone Audio Response System, Our C.U. At Home Online Personal Computer Account Access System Check or other electronic device. You understand that Your Card and any Personal Identification Numbers (PINs) or Access Codes are issued by Us and are not transferable. The use of Your Card, PIN and/or any other Account access device is subject to the following terms. You agree: (a) to abide by Our rules and regulations as amended related to the use of Your Card, PIN and/or other Account access device; (b) that We may follow all instructions given to machinesMachines; (c) not to use Your Card for illegal transactions including, but not limited to, advances made for the purpose of gambling and/or wagering where such practices are in violation of applicable state and/or federal law; and (d) that each withdrawal by You or by any authorized user of Your Card or PIN may make ATM withdrawals from be charged to Your Share Draft Checking share or share draft Account, Share Savings Account and/or Your Line of Credit that You may have with Us up to a maximum daily amount (shareas appropriate, line of credit and share draft combined) of $500.00, provided You have enough money in Your Accounts. You may also make Point of Sale ("POS") withdrawals from Your Share Draft Account with Your Card up to a maximum daily amount of $2,500.00, provided You have enough money or available credit in Your Account(s); andwill be treated