Common use of Courtesy Pay Clause in Contracts

Courtesy Pay. Courtesy Pay is offered as a courtesy to our members who qualify for this service. Do not rely on Courtesy Pay to pay your items. Courtesy Pay is intended only as a courtesy in the event you accidentally overdraw your account. Courtesy Pay is a standard overdraft practice, included on your Checking Account for checks, recurring debit card transactions, ACH transactions and automatic bill payments made using your Checking Account number, unless you ask us to not use Courtesy Pay for your account for these types of transactions. Courtesy Pay is not offered on Second Chance Checking or to minors. Since we charge a fee, regulations require you to “opt in” for our Optional Courtesy Pay service if you want us to pay your one-time (everyday) debit card transactions and ATM transactions. An “opt in” or “opt out” decision by the member or any joint owner will be treated as binding for all owners on an account. An “opt in” or “opt out” decision is required for each individual checking account. Your ability to “opt in” may be limited or restricted to prevent structured or intended abuse of the program. The amount of the Courtesy Pay fee is set forth in the Truth in Savings Fee Schedule (TIS Fee Schedule). Courtesy Pay can be revoked at our sole and absolute discretion. There are also overdraft protection plans (a link to a 1CFCU Savings, Club (except Christmas club), or a link to a 1CFCU Line of Credit (you must apply and qualify for this account). There are no fees per transfer for the first 6 Regulation D transfers from your available Savings and Club accounts. Subsequent transfers subject to Regulation D from a savings or club account will be charged a fee in accordance with our TIS Fee schedule. See Savings, Club and Money Market Account – Limitation on Preauthorized Transfers. You may link one or more of these overdraft protection accounts to your checking account for overdraft protection. In the event these overdraft protection plans are utilized, we will use our best efforts to transfer available funds from the eligible Savings or Club Account to your Checking Account, or to make an advance of funds under the eligible 1st Cash Line of Credit Agreement to your Checking Account, to remedy the overdraft. Our Courtesy Pay service may be available when no overdraft protection plan is available. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction, even if you have asked us to do so. If we do not authorize and pay an overdraft, your transaction will be declined. In the event that we do pay any such order or item, we will not waive our right to dishonor any subsequent orders or items presented. Each Party to any of your accounts will be jointly and severally liable for overdrafts (including without limitation the applicable fees) and other obligations owed to us that are caused by any other Party to the account. You agree to make an immediate deposit to cover the amount of your overdrawn account. You can make, change, or revoke your choices regarding our standard overdraft practices and overdraft protection plans for your account, in-person, orally over the phone, or in online banking. If your Available Balance is not sufficient enough to cover a transaction, and at the time of the transaction you have opted out of our standard overdraft practices (Courtesy Pay) or you have not enrolled in an overdraft protection plan(s) on your account (i.e., you have opted out of all of 1CFCU’s standard overdraft practices and overdraft protection plans and not opted into the Optional Courtesy Pay), then the transaction will be declined, the item will be returned unpaid due to insufficient funds, and an Nonsufficient Funds (NSF) fee will be charged per item. Please see the “What You Need to Know About Overdraft Protection” and the TIS Fee Schedule.

Courtesy Pay. Courtesy Pay is offered as a courtesy to our members who qualify for this service. Do not rely on Courtesy Pay to pay your items. Courtesy Pay —it is intended only as a courtesy in the event you accidentally overdraw your account. Courtesy Pay is a standard overdraft practice, practice included on your Checking Account for checks, recurring debit card transactions, checks and ACH transactions and automatic bill payments made using your Checking Account number, and automatic bill payments, unless you ask us to not use Courtesy Pay for your account for these types of transactions. Courtesy Pay is not offered on Second Chance Checking or Due to minors. Since we charge a feeregulatory requirements, regulations require you to members must “opt in” for our Optional to Courtesy Pay service if you want us to pay your one-time (everyday) for everyday debit card transactions and ATM (Freedom Debit Card) transactions. An “opt in” or “opt out” decision by the member or any joint owner will be treated as binding for all owners on an account. An “opt in” or “opt out” decision is required for each individual checking account. Your ability to “opt inOpt In” may be limited or restricted to prevent structured or intended abuse of the program. The amount of the Courtesy Pay fee is set forth in the Truth in Savings Fee Schedule (TIS Fee Schedule). Courtesy Pay can be revoked at our sole and absolute discretion. There are also other overdraft protection plans (a link to a 1CFCU Savings, Club (except Christmas club), an RBFCU Savings Account or a link to a 1CFCU an RBFCU Line of Credit (Credit, if you must apply and qualify for this accountsuch account(s). There ), and there are no fees per transfer for the first 6 Regulation D transfers from your available Savings and Club accounts. Subsequent transfers subject to Regulation D from a savings or club account will be charged a fee in accordance associated with our TIS Fee schedule. See Savings, Club and Money Market Account – Limitation on Preauthorized Transfers. You may link one or more of these overdraft protection accounts to your checking account for overdraft protectionplans. In the event these other overdraft protection plans are utilized, we will use our best efforts to transfer available funds from the eligible Savings or Club Account to your Checking Account, or to make an advance of funds under the eligible 1st Cash Line of Credit Agreement to your Checking Account, to remedy the overdraft. Our Courtesy Pay service may be available when no other form of overdraft protection plan is available. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction, even if you have asked us to do so. If —if we do not authorize and pay an overdraft, your transaction will be declineddeclined and fee(s) charged. In the event that we do pay any such order or item, we will not waive our right to dishonor any subsequent orders or items presented. Each Party to any of your accounts will be jointly and severally liable for overdrafts (including without limitation the applicable fees) and other obligations owed to us that are caused by any other Party to the account. You agree to make an immediate deposit to cover the amount of your overdrawn accountThe negative balance and applicable fees must be cleared by you within 45 days. You can make, change, or revoke your choices regarding our standard overdraft practices and overdraft protection plans plans, and optional overdraft practices available for your account, in-person, orally verbally over the phone, via secured message or online chat, and in online bankingyour My Profile in Online Banking. If your you do not have enough Available Balance is not sufficient enough in your account to cover a transaction, and at the time of the transaction you have opted out of our standard no overdraft practices (Courtesy Pay) or you have not enrolled in an overdraft protection plan(s) plans exist on your account (i.e., you have opted out of all of 1CFCURBFCU’s standard overdraft practices and overdraft protection plans and not opted into the Optional optional Courtesy Pay), then the transaction will be declined, the item will be returned unpaid due to insufficient funds, and an Nonsufficient Funds (NSF) insufficient fund fee will be charged per item. Please see the “What You Need to Know About Overdraft Protection” and the TIS Truth in Savings Fee ScheduleDisclosure.

Courtesy Pay. Courtesy Pay is offered as a courtesy to our members who qualify for this service. Do not rely on Courtesy Pay to pay your items. Courtesy Pay is intended only as a courtesy in the event you accidentally overdraw your account. Courtesy Pay is a standard overdraft practice, practice included on your Checking Account for checks, recurring debit card transactions, ACH transactions and automatic bill payments made using your Checking Account number, unless you ask us to not use Courtesy Pay for your account for these types of transactions. Courtesy Pay is not offered on Second Chance Checking or to minors. Since we charge a fee, regulations require you to “opt in” for our Optional Courtesy Pay service if you want us to pay your one-one- time (everyday) debit card transactions and ATM transactions. An “opt in” or “opt out” decision by the member or any joint owner will be treated as binding for all owners on an account. An “opt in” or “opt out” decision is required for each individual checking account. Your ability to “opt in” may be limited or restricted to prevent structured or intended abuse of the program. The amount of the Courtesy Pay fee is set forth in the Truth in Savings Fee Schedule (TIS Fee Schedule). Courtesy Pay can be revoked at our sole and absolute discretion. There are also overdraft protection plans (a link to a 1CFCU Savings, Club (except Christmas club), or a link to a 1CFCU Line of Credit (you must apply and qualify for this account). There , and there are no fees per transfer for the first 6 Regulation D transfers from your available Savings and Club accounts. Subsequent transfers subject to Regulation D from a savings or club account will be charged a fee in accordance associated with our TIS Fee schedule. See Savings, Club and Money Market Account – Limitation on Preauthorized Transfersthese overdraft protection plans. You may link one or more of these overdraft protection accounts to your checking account for overdraft protection. In the event these overdraft protection plans are utilized, we will use our best efforts to transfer available funds from the eligible Savings or Club Account to your Checking Account, or to make an advance of funds under the eligible 1st Cash Line of Credit Agreement to your Checking Account, to remedy the overdraft. Our Courtesy Pay service may be available when no overdraft protection plan is available. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction, even if you have asked us to do so. If we do not authorize and pay an overdraft, your transaction will be declined. In the event that we do pay any such order or item, we will not waive our right to dishonor any subsequent orders or items presented. Each Party to any of your accounts will be jointly and severally liable for overdrafts (including without limitation the applicable fees) and other obligations owed to us that are caused by any other Party to the account. You agree to make an immediate deposit to cover the amount of your overdrawn account. You can make, change, or revoke your choices regarding our standard overdraft practices and overdraft protection plans for your account, in-person, orally over the phone, or in online banking. If your Available Balance is not sufficient enough to cover a transaction, and at the time of the transaction you have opted out of our standard overdraft practices (Courtesy Paycourtesy pay) or you have not enrolled in an overdraft protection plan(s) on your account (i.e., you have opted out of all of 1CFCU’s standard overdraft practices and overdraft protection plans and not opted into the Optional Courtesy Pay), then the transaction will be declined, the item will be returned unpaid due to insufficient funds, and an Nonsufficient Funds (NSF) fee will be charged per item. Please see the “What You Need to Know About Overdraft Protection” and the TIS Fee Schedule.

Courtesy Pay. Courtesy Pay is offered as a courtesy to our members who qualify for this service. Do not rely on Courtesy Pay to pay your items. Courtesy Pay —it is intended only as a courtesy in the event you accidentally overdraw your account. Courtesy Pay is a standard overdraft practice, practice included on your Checking Account for checks, recurring debit card transactions, checks and ACH transactions and automatic bill payments made using your Checking Account number, and automatic bill payments, unless you ask us to not use Courtesy Pay for your account for these types of transactions. Courtesy Pay is not offered on Second Chance Checking or Due to minors. Since we charge a feeregulatory requirements, regulations require you to members must “opt in” for our Optional to Courtesy Pay service if you want us to pay your one-time (everyday) for everyday debit card transactions and ATM (Freedom Debit Card) transactions. An “opt in” or “opt out” decision by the member or any joint owner will be treated as binding for all owners on an account. An “opt in” or “opt out” decision is required for each individual checking account. Your ability to “opt inOpt In” may be limited or restricted to prevent structured or intended abuse of the program. The amount of the Courtesy Pay fee is set forth in the Truth in Savings Fee Schedule (TIS Fee Schedule). Courtesy Pay can be revoked at our sole and absolute discretion. There are also other overdraft protection plans (a link to a 1CFCU Savings, Club (except Christmas club), an RBFCU Savings Account or a link to a 1CFCU an RBFCU Line of Credit (Credit, if you must apply and qualify for this accountsuch account(s). There ), and there are no fees per transfer for the first 6 Regulation D transfers from your available Savings and Club accounts. Subsequent transfers subject to Regulation D from a savings or club account will be charged a fee in accordance associated with our TIS Fee schedule. See Savings, Club and Money Market Account – Limitation on Preauthorized Transfers. You may link one or more of these overdraft protection accounts to your checking account for overdraft protectionplans. In the event these other overdraft protection plans are utilized, we will use our best efforts to transfer available funds from the eligible Savings or Club Account to your Checking Account, or to make an advance of funds under the eligible 1st Cash Line of Credit Agreement to your Checking Account, to remedy the overdraft. Our Courtesy Pay service may be available when no other form of overdraft protection plan is available. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction, even if you have asked us to do so. If —if we do not authorize and pay an overdraft, your transaction will be declineddeclined and fee(s) charged. In the event that we do pay any such order or item, we will not waive our right to dishonor any subsequent orders or items presented. Each Party to any of your accounts will be jointly and severally liable for overdrafts (including without limitation limitat ion the applicable fees) and other obligations owed to us that are caused by any other Party to the account. You agree to make an immediate deposit to cover the amount of your overdrawn accountThe negative balance and applicable fees must be cleared by you within 45 days. You can make, change, or revoke your choices regarding our standard overdraft practices and overdraft protection plans plans, and optional overdraft practices available for your account, in-person, orally verbally over the phone, via secured message or online chat, and in online bankingyour My Profile in Online Banking. If your you do not have enough Available Balance is not sufficient enough in your account to cover a transaction, and at the time of the transaction you have opted out of our standard no overdraft practices (Courtesy Pay) or you have not enrolled in an overdraft protection plan(s) plans exist on your account (i.e., you have opted out of all of 1CFCURBFCU’s standard overdraft practices and overdraft protection plans and not opted into the Optional optional Courtesy Pay), then the transaction will be declined, the item will be returned unpaid due to insufficient funds, and an Nonsufficient Funds (NSF) insufficient fund fee will be charged per item. Please see the “Overdraft Protection – What You Need to Know About Overdraft Protection” and the TIS Truth in Savings Fee ScheduleDisclosure.

Courtesy Pay. From time to time, Security Credit Union members experience non-sufficient funds situations on their accounts. As a courtesy, Security Credit Union offers an additional overdraft service known as Courtesy Pay is offered as a courtesy to our members who qualify for this service. Do not rely on Courtesy Pay to pay your itemsPay. Courtesy Pay is intended only not a loan, which means that Security Credit Union does not engage in credit underwriting as a courtesy in the event you accidentally overdraw basis of determining your accounteligibility for this service. Courtesy Pay is a standard overdraft practicenon-contractual service offered and provided to Security Credit Union members who are in good standing. Other eligibility factors are risk-based and determined by Security Credit Union using internal and confidential information, included on your Checking Account for checks, recurring debit card transactions, ACH transactions and automatic bill payments made using your Checking Account number, unless you ask us to not use Courtesy Pay for including your account for these types of transactionshistory. Courtesy Pay requirements and limits are subject to change at any time without notice. Whether your overdrafts will be paid by Courtesy Pay is discretionary and we reserve the right not to pay. For example, we may not pay overdrafts if your account is not offered on Second Chance Checking in good standing, or to minorsyou are not making regular deposits, or you have too many overdrafts. Since we charge If an item is paid with Courtesy Pay, your account will be overdrawn and negative in the amount of the paid item, plus a fee, regulations require you to “opt in” for our Optional Courtesy Pay service if you want us to pay your one-time (everyday) debit card transactions and ATM transactions. An “opt in” or “opt out” decision by the member or any joint owner will be treated as binding for all owners on an account. An “opt in” or “opt out” decision is required fee for each individual checking accountitem as set forth in the Fee Schedule. Your ability to “opt in” More than one overdraft fee may be limited or restricted to prevent structured or intended abuse charged against the account per day depending on the number of the programitems presented on, and other withdrawals made from your account. The amount of the your overdraft(s) and fee(s) both count towards your Courtesy Pay fee is set forth in the Truth in Savings Fee Schedule (TIS Fee Schedule)available balance. If you reach your Courtesy Pay can limit, items subsequently presented for payment may be revoked at our sole returned as NSF and absolute discretion. There are also overdraft protection plans (a link to a 1CFCU Savings, Club (except Christmas club), or a link to a 1CFCU Line of Credit (you must apply and qualify for this account). There are no fees per transfer for the first 6 Regulation D transfers from your available Savings and Club accounts. Subsequent transfers subject to Regulation D from a savings or club account will be charged a fee in accordance with our TIS Fee scheduleapplicable fees. See Savings, Club and Money Market Account – Limitation on Preauthorized Transfers. You may link one or more of these overdraft protection accounts to your checking account for overdraft protection. In the event these overdraft protection plans are utilized, we will use our best efforts to transfer available funds from the eligible Savings or Club Account to your Checking Account, or to make an advance of funds under the eligible 1st Cash Line of Credit Agreement to your Checking Account, to remedy the overdraft. Our When Courtesy Pay service may is used, the full amount of the overdraft balance plus related fees will be available when due immediately, but in no overdraft protection plan is available. We pay overdrafts event more than 30 days after the date of the occurrence, at our discretion, which means we do not guarantee that we time your Courtesy Pay privileges will always authorize be suspended and pay any type of transaction, even if you have asked us to do sopossibly terminated. If we do not authorize and pay an overdraftreceive a full payment from you within 30 days from the date of the occurrence, your transaction checking account will be declinedclosed. In If full payment is not received within 45 days from the event that we do pay any such order or itemdate of the occurrence, we your checking account will be charged off as a loss to Security Credit Union and forwarded to a collection agency for continued collection efforts and reported to a consumer reporting agency. If you have Courtesy Pay on your Security Credit Union checking account, it will not waive our right be implemented as a source to dishonor any subsequent orders cover overdrafts for items paid through Security Credit Union’s Online Xxxx Pay. Not all transaction types are covered by Courtesy Pay. Checks you write and ACH electronic transactions from your Security Credit Union Checking Account are covered. If you choose, Courtesy Pay protection may be extended to cover Point-of-Sale (POS) and signature-based debit card transactions. Security Credit Union does not permit the use of Courtesy Pay for the transfer of funds or items presented. Each Party deposits to any account at Security Credit Union. It also may not be used to pay a Security Credit Union loan, or for ATM transactions. Your transactions may not be handled by Security Credit Union in the order in which you completed them. Accordingly, the order in which Security Credit Union processes them may affect the total amount of overdraft fees assessed to your accounts will be jointly and severally liable for overdrafts (including without limitation the applicable fees) and other obligations owed to us that are caused by any other Party to the account. You agree to make an immediate deposit to cover the amount of your overdrawn account. You can make, change, or revoke your choices regarding our standard overdraft practices and overdraft protection plans for your account, in-person, orally over the phone, or in online banking. If your Available Balance is not sufficient enough to cover may discontinue Courtesy Pay at any time by visiting a transaction, and at the time of the transaction you have opted out of our standard overdraft practices (Courtesy Pay) or you have not enrolled in an overdraft protection plan(s) on your account (i.e., you have opted out of all of 1CFCU’s standard overdraft practices and overdraft protection plans and not opted into the Optional Courtesy Pay), then the transaction will be declined, the item will be returned unpaid due to insufficient funds, and an Nonsufficient Funds (NSF) fee will be charged per item. Please see the “What You Need to Know About Overdraft Protection” and the TIS Fee ScheduleSecurity Credit Union branch.

Courtesy Pay. We offer our Courtesy Pay is offered program to all members in good standing with qualifying personal checking accounts. We may, at the Credit Union’s sole discretion, pay members reasonable overdrafts as a courtesy non-contractual courtesy. We may refuse to our members who qualify for this servicepay an overdraft at any time, even though we may have paid previous overdrafts. Do not rely on Whether we pay or return a Non-Sufficient Funds item, a per-item fee will be charged to your account as a Non- Sufficient Funds or Courtesy Pay to pay your items. Courtesy Pay is intended only charge, as a courtesy in the event you accidentally overdraw your account. Courtesy Pay is a standard overdraft practice, included on your Checking Account for checks, recurring debit card transactions, ACH transactions and automatic bill payments made using your Checking Account number, unless you ask us to not use Courtesy Pay for your account for these types of transactions. Courtesy Pay is not offered on Second Chance Checking or to minors. Since we charge a fee, regulations require you to “opt in” for our Optional Courtesy Pay service if you want us to pay your one-time (everyday) debit card transactions and ATM transactions. An “opt in” or “opt out” decision by the member or any joint owner will be treated as binding for all owners on an account. An “opt in” or “opt out” decision is required for each individual checking account. Your ability to “opt in” may be limited or restricted to prevent structured or intended abuse of the program. The amount of the Courtesy Pay fee is set forth in the Truth in Savings Fee Schedule (TIS Credit Union’s Rate and Fee Schedule). Courtesy Pay can be revoked at our sole and absolute discretion. There are also overdraft protection plans (a link to a 1CFCU Savings, Club (except Christmas club), or a link to a 1CFCU Line of Credit (you must apply and qualify for this account). There are no fees per transfer is not an additional fee for the first 6 Regulation D transfers from your available Savings and Club accountspayment, in lieu of return. Subsequent transfers This is a discretionary service, subject to Regulation D from a savings or club account will be charged a fee in accordance with our TIS Fee schedulepolices and procedures established by the Board of Directors of the Credit Union and terms and conditions acceptable and appropriate under current laws and regulations. See Savings, Club and Money Market Account – Limitation on Preauthorized Transfers. You may link one or more It is not an obligation of these overdraft protection accounts the Credit Union to your checking account for overdraft protection. In the event these overdraft protection plans are utilized, we will use our best efforts to transfer available funds from the eligible Savings or Club Account to your Checking Account, or to make an advance of funds under the eligible 1st Cash Line of Credit Agreement to your Checking Account, to remedy the overdraft. Our Courtesy Pay service may be available when no overdraft protection plan is availableprovide this service. We pay overdrafts may refuse to provide the courtesy on any account at our discretion, which means we do not guarantee that we will always authorize any time and pay any type of transaction, even if you have asked us from time to do so. If we do not authorize and pay an overdraft, your transaction will be declinedtime. In the event that we do pay items on your account that you have authorized, you agree that your Account, in no event, shall remain overdrawn for a period to exceed 30 days. Your Account may be subject to closure and collec- tion at that time. You may opt out of this service by con- tacting us at (000) 000-0000 or (000) 000-0000. In the event that any such order or itemelectronic debit entry would create an overdraft in your Account, we will not waive our right to dishonor any subsequent orders or items presented. Each Party to any of your accounts will be jointly you agree that the terms and severally liable for overdrafts (including without limitation the applicable fees) conditions set forth in this Account Agreement gov- erning overdraft and other obligations owed to us that are caused by any other Party to the accountoverdraft protection shall apply. You agree that the Credit Union shall be authorized to make an immediate deposit rec- ognize the signatures set forth on any ACH Agreement or authorization form signed in connection with your Ac- counts, in making debit entries from and credit entries to cover your Accounts, and in the amount payment of your overdrawn account. You can make, change, funds or revoke your choices regarding our standard overdraft practices and overdraft protection plans the trans- action of any business for your account, in-person, orally over the phone, or in online banking. If your Available Balance is not sufficient enough to cover a transaction, and at the time of the transaction you have opted out of our standard overdraft practices (Courtesy Pay) or you have not enrolled in an overdraft protection plan(s) on your account (i.e., you have opted out of all of 1CFCU’s standard overdraft practices and overdraft protection plans and not opted into the Optional Courtesy Pay), then the transaction will be declined, the item will be returned unpaid due to insufficient funds, and an Nonsufficient Funds (NSF) fee will be charged per item. Please see the “What You Need to Know About Overdraft Protection” and the TIS Fee ScheduleAccounts.

Courtesy Pay. Courtesy Pay is offered as (a courtesy discretionary overdraft service) From time to our time, members who qualify for this service. Do not rely experience non-sufficient funds situations on Courtesy Pay to pay your items. Courtesy Pay is intended only as a courtesy in the event you accidentally overdraw your account. Courtesy Pay is a standard overdraft practice, included on your Checking Account for checks, recurring debit card transactions, ACH transactions and automatic bill payments made using your Checking Account number, unless you ask us to not use Courtesy Pay for your account for these types of transactionstheir accounts. Courtesy Pay is not offered on Second Chance Checking or to minorsa loan which means that the Credit Union does not engage in credit underwriting as a basis of determining your eligibility as part of this service. Since we charge As a feecourtesy, regulations require you to “opt in” for our Optional the Credit Union offers an additional overdraft service known as Courtesy Pay service if you want us Pay. We are not obligated to pay any item presented for payment if your oneaccount does not have sufficient collected funds. Rather than automatically returning, unpaid, any non-time sufficient funds that you may have, if your eligible checking account (everydayprimarily used for personal, family and household purposes) debit card transactions has been open for at least ninety (90) days and ATM transactionsyou maintain your account in good standing, which includes at least: (1) continuing to make deposits consistent with your past practices and (2) you are not in default on any loan obligation to the Credit Union, (3) you bring your account to a positive balance (not overdrawn) at least once every fifteen (15) days, and (4) your account is not subject to any legal or administrative order or levy, we will consider without obligation on our part, approving your reasonable overdrafts. An “opt in” or “opt out” decision by the member or any joint owner Our customary fees and charges, including without limitation our insufficient funds/overdraft fees as set forth in our current Rate and Fee Schedules, will be treated as binding for all owners on an account. An “opt in” or “opt out” decision is required included in these limits and will be charged for each individual checking accountnon-sufficient (NSF) item that will or would overdraft your account including but not limited to, checks, debit drafts (paper), ACH debits, xxxx payment debits, authorized POS (point of sale) purchases and Credit Union teller cashed checks. Your ability We may refuse to “opt in” pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid overdrafts for you. You may be limited notified of any non-sufficient funds items paid or restricted returned that you may have; however, we may have no obligation to prevent structured notify you before we pay or intended abuse of the programreturn any item. The amount of any overdrafts plus our insufficient funds/overdraft fees that you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an amount more than one (1) owner of the signature card, each joint owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly liable for such overdrafts plus our insufficient funds/overdraft fees. Member Opt Out. You or a joint owner on your account may choose at any time not to participate in our Courtesy Pay fee is set forth service by notifying us. This Opt Out request will remain in effect until you or your joint owner on the Truth in Savings Fee Schedule (TIS Fee Schedule). account requests that Courtesy Pay can be revoked at our sole and absolute discretion. There are also overdraft protection plans (a link added to a 1CFCU Savings, Club (except Christmas club), or a link to a 1CFCU Line of Credit (you must apply and qualify for this the account). There are no fees per transfer for the first 6 Regulation D transfers from your available Savings and Club accounts. Subsequent transfers subject to Regulation D from a savings or club account will be charged a fee in accordance with our TIS Fee schedule. See Savings, Club and Money Market Account – Limitation on Preauthorized Transfers. You may link one or more of these overdraft protection accounts to your checking account for overdraft protection. In the event these overdraft protection plans are utilizedof conflicting requests for the checking account owners, we will use our best efforts may decline to transfer available funds from extend the eligible Savings or Club Account to your Checking Account, or to make an advance of funds under the eligible 1st Cash Line of Credit Agreement to your Checking Account, to remedy the overdraft. Our Courtesy Pay service may be available when no overdraft protection plan is available. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction, even if you have asked us to do so. If we do not authorize and pay an overdraft, your transaction will be declined. In the event that we do pay any such order or item, we will not waive our right to dishonor any subsequent orders or items presented. Each Party to any of your accounts will be jointly and severally liable for overdrafts (including without limitation the applicable fees) and other obligations owed to us that are caused by any other Party to the account. You agree to make an immediate deposit to cover the amount of your overdrawn account. You can make, change, or revoke your choices regarding our standard overdraft practices and overdraft protection plans for your account, in-person, orally over the phone, or in online banking. If your Available Balance is not sufficient enough to cover a transaction, and at the time of the transaction you have opted out of our standard overdraft practices (Courtesy Pay) or you have not enrolled in an overdraft protection plan(s) on your account (i.e., you have opted out of all of 1CFCU’s standard overdraft practices and overdraft protection plans and not opted into the Optional Courtesy Pay), then the transaction will be declined, the item will be returned unpaid due to insufficient funds, and an Nonsufficient Funds (NSF) fee will be charged per item. Please see the “What You Need to Know About Overdraft Protection” and the TIS Fee Scheduleservice.

Courtesy Pay. Courtesy Pay is offered as a courtesy to our members who qualify for this service. Do not rely on Courtesy Pay to pay your items. Courtesy Pay —it is intended only as a courtesy in the event you accidentally overdraw your account. Courtesy Pay is a standard overdraft practice, practice included on your Checking Account for checks, recurring debit card transactions, checks and ACH transactions and automatic bill payments made using your Checking Account number, and automatic bill payments, unless you ask us to not use Courtesy Pay for your account for these types of transactions. Courtesy Pay is not offered on Second Chance Checking or Due to minors. Since we charge a feeregulatory requirements, regulations require you to members must “opt in” for our Optional to Courtesy Pay service if you want us to pay your one-time (everyday) for everyday debit card transactions and ATM (Freedom Debit Card) transactions. An “opt in” or “opt out” decision by the member or any joint owner will be treated as binding for all owners on an account. An “opt in” or “opt out” decision is required for each individual checking account. Your ability to “opt inOpt In” may be limited or restricted to prevent structured or intended abuse of the program. The amount of the Courtesy Pay fee is set forth in the Truth in Savings Fee Schedule (TIS Fee Schedule). Courtesy Pay can be revoked at our sole and absolute discretion. There are also other overdraft protection plans (a link to a 1CFCU Savings, Club (except Christmas club), an RBFCU Savings Account or a link to a 1CFCU an RBFCU Line of Credit (Credit, if you must apply and qualify for this accountsuch account(s). There ), and there are no fees per transfer for the first 6 Regulation D transfers from your available Savings and Club accounts. Subsequent transfers subject to Regulation D from a savings or club account will be charged a fee in accordance associated with our TIS Fee schedule. See Savings, Club and Money Market Account – Limitation on Preauthorized Transfers. You may link one or more of these overdraft protection accounts to your checking account for overdraft protectionplans. In the event these other overdraft protection plans are utilized, we will use our best efforts to transfer available funds from the eligible Savings or Club Account to your Checking Account, or to make an advance of funds under the eligible 1st Cash Line of Credit Agreement to your Checking Account, to remedy the overdraft. Our Courtesy Pay service may be available when no other form of overdraft protection plan is available. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction, even if you have asked us to do so. If —if we do not authorize and pay an overdraft, your transaction will be declineddeclined and fee(s) charged. In the event that we do pay any such order or item, we will not waive our right to dishonor any subsequent orders or items presented. Each Party to any of your accounts will be jointly and severally liable for overdrafts (including without limitation the applicable fees) and other obligations owed to us that are caused by any other Party to the account. You agree to make an immediate deposit to cover the amount of your overdrawn accountThe negative balance and applicable fees must be cleared by you within 45 days. You can make, change, or revoke your choices regarding our standard overdraft practices and overdraft protection plans plans, and optional overdraft practices available for your account, in-person, orally verbally over the phone, via secured message or online chat, and in online bankingyour My Profile in Online Banking. If your you do not have enough Available Balance is not sufficient enough in your account to cover a transaction, and at the time of the transaction you have opted out of our standard no overdraft practices (Courtesy Pay) or you have not enrolled in an overdraft protection plan(s) plans exist on your account (i.e., you have opted out of all of 1CFCURBFCU’s standard overdraft practices and overdraft protection plans and not opted into the Optional optional Courtesy Pay), then the transaction will be declined, the item will be returned unpaid due to insufficient funds, and an Nonsufficient Funds (NSF) insufficient fund fee will be charged per item. Please see the “Overdraft Protection – What You Need to Know About Overdraft Protection” and the TIS Truth in Savings Fee ScheduleDisclosure.

Courtesy Pay. We offer our Courtesy Pay is offered as a courtesy service to our all members who qualify in good standing with personal and business Checking Accounts. In order for us to pay one-time ATM and debit transactions under this service, you must contact us to opt-in. Do not rely on Courtesy Pay With this service we may, at City CU’s sole discretion, choose to pay your items. Courtesy Pay is intended only members’ reasonable, occasional, and inadvertent overdrafts, whether caused by check, in-person withdrawal, MCDC, ATM transactions or other electronic means as a courtesy in the event you accidentally overdraw your account. Courtesy Pay is a standard overdraft practice, included on your Checking Account for checks, recurring debit card transactions, ACH transactions and automatic bill payments made using your Checking Account number, unless you ask us to not use Courtesy Pay for your account for these types of transactionsnon-contractual courtesy. Courtesy Pay is not offered on Second Chance Checking or to minorsa line of credit, and there is never any guarantee of payment. Since we charge a fee, regulations require you to “opt in” for our Optional Courtesy Pay service if you want us We may refuse to pay your one-an overdraft at any time (everyday) debit card transactions and ATM transactions. An “opt in” or “opt out” decision by the member or for any joint owner will be treated as binding reason, even though we may have paid previous overdrafts for all owners on an account. An “opt in” or “opt out” decision is required for each individual checking account. Your ability to “opt in” may be limited or restricted to prevent structured or intended abuse of the program. The amount of the Courtesy Pay fee is set forth you in the Truth in Savings Fee Schedule (TIS Fee Schedule). Courtesy Pay can be revoked at our sole and absolute discretion. There are also overdraft protection plans (a link to a 1CFCU Savings, Club (except Christmas club), or a link to a 1CFCU Line of Credit (you must apply and qualify for this account). There are no fees per transfer for the first 6 Regulation D transfers from your available Savings and Club accounts. Subsequent transfers subject to Regulation D from a savings or club account will be charged a fee in accordance with our TIS Fee schedule. See Savings, Club and Money Market Account – Limitation on Preauthorized Transferspast. You may link one or more of these overdraft protection accounts to your checking account for overdraft protection. In the event these overdraft protection plans are utilized, we will use our best efforts to transfer available funds from the eligible Savings or Club Account to your Checking Account, or to make an advance of funds under the eligible 1st Cash Line of Credit Agreement to your Checking Account, to remedy the overdraft. Our Courtesy Pay service may be available when no overdraft protection plan is available. We pay overdrafts at our discretion, which means we do not guarantee should never expect that we will always authorize and pay any type of transaction, even if you have asked us to do so. If we do not authorize and pay an overdraft. Whether we pay or return a Non-Sufficient Funds item, your transaction a fee will be declined. In the event that we do pay any such order imposed for NSF items or item, we will not waive our right to dishonor any subsequent orders or items presented. Each Party to any of your accounts will be jointly and severally liable for covering overdrafts (including without limitation the applicable fees) and other obligations owed to us that are caused by any other Party to the account. You agree to make an immediate deposit to cover the amount of your overdrawn account. You can make, change, or revoke your choices regarding our standard overdraft practices and overdraft protection plans for your accountcheck, in-person, orally over MCDC, ATM transaction or other electronic means to your Account as a Non-Sufficient Fund or Courtesy Pay charge, as set forth in City CU’s Fee Schedules. There is not an additional fee for the phonepayment, in lieu of return. There is no daily limit on the number of these fees that can be charged to your Account. Courtesy Pay is discretionary, subject to policies and procedures established by the Board of Directors of City CU and current laws and regulations. City CU is not obligated to provide this service and we may terminate this service at any time or refuse to provide Courtesy Pay on any Account that you have authorized. If we do pay an overdraft using this service, you agree that your Account shall in online bankingno event remain overdrawn for more than thirty (30) calendar days. If your Available Balance Account is not sufficient enough overdrawn for more than thirty (30) calendar days, your Account may be subject to cover a transaction, closure and collection at the time of the transaction you have opted that time. You may opt out of our standard overdraft practices this service by contacting us at (Courtesy Pay214) 515- 0100 or you have not enrolled in an overdraft protection plan(s(000) on your account (i.e., you have opted out of all of 1CFCU’s standard overdraft practices and overdraft protection plans and not opted into the Optional Courtesy Pay), then the transaction will be declined, the item will be returned unpaid due to insufficient funds, and an Nonsufficient Funds (NSF) fee will be charged per item. Please see the “What You Need to Know About Overdraft Protection” and the TIS Fee Schedule000-0000.