Common use of Dollar Amount of Transfers Clause in Contracts

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for the Transfer Service. We reserve the right to change the dollar amount of funds transfers you are permitted to make using our Transfer Service. In the event that your use of the Transfer Service has been suspended and reinstated as provided below (see Section 6.G Suspension and Reinstatement of Transfer Service), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject to the Rules of the Accounts. All funds transfers are subject to the rules and regulations governing the relevant Accounts. You may not initiate any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. We reserve the right to decline (i) any funds transfer or (ii) to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. You represent and warrant to us that you have enough money in the non-Pinnacle Bank Accounts to make any funds transfer you request that we make on your behalf through the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transfer, we may at our sole discretion: • Cover the transfer in accordance with the terms of any written overdraft protection plan that you and we have established; • Cover the transfer and create an overdraft to your Account; or • Decline the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for the Transfer Service. We reserve the right to change the dollar amount of funds transfers you are permitted to make using our Transfer Service. In the event that your use of the Transfer Service has been suspended and reinstated as provided below (see Section 6.G Suspension and Reinstatement of Transfer Service), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject to the Rules of the Accounts. All funds transfers are subject to the rules and regulations governing the relevant Accounts. You may not initiate any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank of Colorado Financial Institution to learn more about the failure. We reserve the right to decline (i) any funds transfer or (ii) to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. You represent and warrant to us that you have enough money in the non-Pinnacle Bank of Colorado Accounts to make any funds transfer you request that we make on your behalf through the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transfer, we may at our sole discretion: • Cover the transfer in accordance with the terms of any written overdraft protection plan that you and we have established; • Cover the transfer and create an overdraft to your Account; or • Decline the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the event that foregoing, if your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Transfer funds transfer and Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by uspermitted. Transfers Subject subject to the Rules of the Accounts. accounts All funds transfers are also subject to the account agreements, rules and regulations governing the relevant Accountsaccounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the applicable account agreements, rules or regulations applicable to such Account including rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders orders, or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to execute your funds transfer instruction we utilize the Automated Clearing House (ACH). Using applicable ACH Rules, we debit one of your accounts and warrant credit another of your accounts. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your Account. The purposes for our service provider's transfer account are to us that you have enough money complete your funds transfer requests and to perform the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank Accounts transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to make any collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return, and if we cannot, to collect the amount credited. To effect this collection, you request understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we make on may from time to time impose additional charges in connection with your behalf through funds transfer transactions. Bank will notify you of such fee in advance of the Transfer Servicetransaction. If you choose to proceed with the transaction, you authorize Bank to debit your account in the amount indicated. If a debit to any of your accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we receive a transfer request against your are unable to debit either the debited or the credited Account and there are not enough available funds in your Account to cover the transferas set forth above, we may at our sole discretion: • Cover reserve the right, and you hereby authorize us, to debit any of your other accounts to the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with the terms of any written overdraft protection plan that you and we have established; • Cover the transfer and create an overdraft to your Account; or • Decline the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses this Agreement (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated feessee "Documentation" below).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers or Popmoney Transfers you are permitted to make using our Transfer Service. In Without limiting the event that foregoing, if your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G “Suspension and Reinstatement of Transfer funds transfer and/or Popmoney Service” below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by uspermitted. Transfers Subject subject to the Rules of the Accounts. accounts All funds transfers are also subject to the account agreements, rules and regulations governing the relevant Accountsaccounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the applicable account agreements, rules or regulations applicable to such Account including rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders orders, or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to execute your funds transfer instruction we utilize the Automated Clearing House (ACH). Using applicable ACH Rules, we debit one of your accounts and warrant credit another of your accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider’s transfer account at the service provider’s clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The purposes for our service provider’s transfer account are to us that you have enough money complete your funds transfer requests and to perform the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank Accounts transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to make any collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return, and if we cannot, to collect the amount credited. To effect this collection, you request understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we make on may from time to time impose additional charges in connection with your behalf through funds transfer transactions. Bank will notify you of such fee in advance of the Transfer Servicetransaction. If you choose to proceed with the transaction, you authorize Bank to debit your account in the amount indicated. If a debit to any of your accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we receive a transfer request against your are unable to debit either the debited or the credited Account and there are not enough available funds in your Account to cover the transferas set forth above, we may at our sole discretion: • Cover reserve the right, and you hereby authorize us, to debit any of your other accounts to the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see “Documentation” below). If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the terms of any written overdraft protection plan that Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution to which they wish to transfer the funds. If the Recipient fails to reply to the email or fails to follow the instructions we provided, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer with Customer Assumed Risk Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfers, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. FinWise Bank will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize FinWise Bank to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to affect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) any funds transfer or (ii) transfers, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to affect your funds transfer instruction, we utilize the Automated Clearing House (ACH), using applicable ACH Rules. We debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing financial institution are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To affect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. OneAZ Credit Union will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize OneAZ Credit Union to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution where they wish to transfer in accordance with the terms of any written overdraft protection plan that funds. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer and/or Popmoney Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. TFCU will notify you of such fee in advance of the Funds Transfer or Popmoney transaction, fees are also located on the Schedule of Fees. If you choose to proceed with the transaction, you authorize TFCU to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make Suspension and Reinstatement of Funds Transfer and/or Popmoney Service In the decision regardless event that we at any time incur a problem with your use of whether the Service, including without limitation a fail in attempting to debit any of your Accounts or to collect with respect to any of your funds transfers as described above, and without limiting any other right or remedy that we may have previously established a pattern under this Agreement or otherwise, we reserve the right to suspend your right to use the Service, immediately and without prior notice to you. You understand and agree that such action is reasonable for us to take in order to protect itself from loss. In the event of honoring such suspension, you may request reinstatement of your service by contacting us using any of the methods provided for under this Agreement (see "Error Reporting and Claims," below). We reserve the right in our sole discretion to grant or dishonoring overdraftsdeny reinstatement of your use of the Service. Fees may vary depending on In the action we take. Any negative balance on your Account is immediately due and payable, unless event we agree otherwise in writingto reinstate you, we reserve the right to, and you agree ordinarily will, initially reinstate your Service subject to reimburse us for lower per-transaction and monthly dollar limits and/or with other restrictions than otherwise might be available to you. Based upon your subsequent usage of the costs and expenses Service, TFCU in its sole discretion may thereafter restore your ability to effect transfers subject to such higher limits as may then be in effect (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated feessee "Dollar Amount of Transfers," above).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer and/or Popmoney Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. Affinity Federal Credit Union will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize Affinity Federal Credit Union to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer with Customer Assumed Risk Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfers, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. JetStream Federal Credit Union will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize JetStream Federal Credit Union to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make transfer funds transfers in excess of dollar into your OneUnited Bank account (deposit) utilizing External Transfer up to limits for established by the Transfer ServiceBank. Your assigned limits will be displayed when you initiate a transfer. You may initiate a payment to others using Money Moves to transfer funds from your OneUnited Bank to a recipient. Your assigned limits will be displayed when you initiate a transfer. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the event that foregoing, if your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of External Transfer and/or Money Moves Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfers, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we may utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle transfer account. You understand that to effect your Money Moves instruction we may debit one of your Accounts and credit a debit card of the Recipient if the Recipient selects this payment method. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. OneUnited Bank will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize OneUnited Bank to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover the utilize other established payment mechanisms in order to complete your funds transfer in accordance with the terms of any written overdraft protection plan that you and we have established; • Cover the instructions, such as wire transfer and create an overdraft to your Account; or • Decline the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees)check.

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer and/or Popmoney Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. AUTHORIZATION. You represent authorize us to select any means to execute your funds transfer instructions. You understand that to affect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. Lake Trust will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize Lake Trust to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for the Transfer Service. We reserve the right to change the dollar amount of funds transfers you are permitted to make using our Transfer Service. In the event that your use of the Transfer Service has been suspended and reinstated as provided below (see Section 6.G 9(g) Suspension and Reinstatement of Transfer Service,), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All funds transfers are subject to the rules and regulations governing the relevant Accounts. You may not initiate any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Xxxxx Fargo Financial Institution to learn more about the failure. We reserve the right to decline (i) any funds transfer or (ii) to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. requests You represent and warrant to us that you have enough money in the non-Pinnacle Bank Xxxxx Fargo Accounts to make any funds transfer you request that we make on your behalf through the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transfer, we may at our sole discretion: • Cover the transfer in accordance with the terms of any written overdraft protection plan that you and we have established; • Cover the transfer and create an overdraft to your Account; or • Decline the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer and/or Popmoney Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G “Suspension and Reinstatement of Funds Transfer Service” below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization Deleted: 2/1/2005 Inserted: 2/1/2005 Deleted: 12/20/2004 Inserted: 12/20/2004 Deleted: 12/16/04 Inserted: 12/16/04 Deleted: 12/14/04 You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider’s transfer account at the service provider’s clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider’s transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. SAFE Credit Union will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize SAFE Credit Union to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see “Documentation,” below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer Servicebelow), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. TFCU will notify you of such fee in advance of the Funds Transfer transaction, fees are also located on the Schedule of Fees. If you choose to proceed with the transaction, you authorize TFCU to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to affect any funds transfer or (ii) transfers, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. Orange County's Credit Union's will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize Orange County's Credit Union's to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfers, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. CAP COM will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize CAP COM to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfers, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. BankFinancial, NA will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize BankFinancial, NA to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to affect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) any funds transfer or (ii) transfers, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to affect your funds transfer instruction, we utilize the Automated Clearing House (ACH), using applicable ACH Rules. We debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing financial institution are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To affect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. Arizona State Credit Union will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize Arizona State Credit Union to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution where they wish to transfer in accordance with the terms of any written overdraft protection plan that funds. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make transfer funds transfers in excess of dollar into your OneUnited Bank account (deposit) utilizing External Transfer up to limits for established by the Transfer ServiceBank. Your assigned limits will be displayed when you initiate a transfer. You may initiate a payment to others using Money Moves to transfer funds from your OneUnited Bank to a recipient. Your limit will be displayed when you initiate a transfer above the limit. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the event that foregoing, if your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer and/or Money Moves Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfers, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we may utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle transfer account. You understand that to effect your Money Moves instruction we may debit one of your Accounts and credit a debit card of the Recipient if the Recipient selects Instant Deposit as the payment method. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. OneUnited Bank will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize OneUnited Bank to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover the utilize other established payment mechanisms in order to complete your funds transfer in accordance with the terms of any written overdraft protection plan that you and we have established; • Cover the instructions, such as wire transfer and create an overdraft to your Account; or • Decline the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees)check.

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G “Suspension and Reinstatement of Funds Transfer and/or Popmoney Service” below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to execute your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider’s transfer account at the service provider’s clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider’s transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. Centier Bank will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize Centier Bank to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any funds resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer you request that we make on your behalf through or transfers to the Transfer Service. If we receive a transfer request against your applicable Account and there are not enough available funds in your Account to cover the transfer, we may at our sole discretion: • Cover the transfer in accordance with this Agreement (see “Documentation,” below). If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the terms of any written overdraft protection plan Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer the funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G “Suspension and Reinstatement of Funds Transfer & Popmoney Service” below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. 000 Xxxxxxxxxx Xxxxxxx • Eau Claire, WI 54702-0970 • 000-000-0000 xxx.xxx Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to affect any funds transfer or (ii) transfers, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to affect your funds transfer instruction we utilize the Automated Clearing House (ACH). Using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider’s transfer account at the service provider’s clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 business days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider’s transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. Royal Credit Union will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize Royal Credit Union to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see “Documentation,” below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make Suspension and Reinstatement of Funds Transfer & Popmoney Service 000 Xxxxxxxxxx Xxxxxxx • Eau Claire, WI 54702-0970 • 000-000-0000 xxx.xxx In the decision regardless event that we at any time incur a problem with your use of whether the Service, including without limitation a fail in Funds Transfer & Popmoney Service to debit any of your Accounts or to collect with respect to any of your funds transfers as described above, and without limiting any other right or remedy that we may have previously established a pattern under this Agreement or otherwise, we reserve the right to suspend your right to use the Service, immediately and without prior notice to you. You understand and agree that such action is reasonable for us to take in order to protect ourselves from loss. In the event of honoring such suspension, you may request reinstatement of your service by contacting us using any of the methods provided for under this Agreement (see “Error Reporting and Claims,” below). We reserve the right to grant or dishonoring overdraftsdeny reinstatement of your use of the Service. Fees may vary depending on In the action we take. Any negative balance on your Account is immediately due and payable, unless event we agree otherwise in writingto reinstate you, we reserve the right to, and you agree ordinarily will, initially reinstate your Service subject to reimburse us for lower per-transaction and monthly dollar limits and/or with other restrictions than otherwise might be available to you. Based upon your subsequent usage of the costs and expenses Service, Royal Credit Union in its sole discretion may thereafter restore your ability to affect transfers subject to such higher limits as may then be in effect (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated feessee “Dollar Amount of Transfers,” above).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer and/or Popmoney Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. Presidential Bank FSB will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize Presidential Bank FSB to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer and/or Popmoney Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. First Community Credit Union will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize First Community Credit Union to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of External Loans Transfer Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfers, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. Chicago Patrolmen’s Federal Credit Union will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize Chicago Patrolmen’s Federal Credit Union to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation,” below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover the utilize other established payment mechanisms in order to complete your funds transfer in accordance with the terms of any written overdraft protection plan that you and we have established; • Cover the instructions, such as wire transfer and create an overdraft to your Account; or • Decline the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees)check.

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for the Transfer Service. We reserve the right to change the dollar amount of funds transfers you are permitted to make using our Transfer Service. In the event that your use of the Transfer Service has been suspended and reinstated as provided below (see Section 6.G 7(g) Suspension and Reinstatement of Transfer Service), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All funds transfers are subject to the rules and regulations governing the relevant Accounts. You may not initiate any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Xxxxxx State Bank Financial Institution to learn more about the failure. We reserve the right to decline (i) any funds transfer or (ii) to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. You represent and warrant to us that you have enough money in the non-Pinnacle Xxxxxx State Bank Accounts to make any funds transfer you request that we make on your behalf through the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transfer, we may at our sole discretion: • ▪ Cover the transfer in accordance with the terms of any written overdraft protection plan that you and we have established; • ▪ Cover the transfer and create an overdraft to your Account; or • ▪ Decline the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfers, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. NEWBURYPORT BANK will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize NEWBURYPORT BANK to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer and/or Popmoney Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to affect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to us that you have enough money complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. Financial Institution will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize Financial Institution to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described in the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer and/or Popmoney Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. We also reserve the right to terminate or suspend a transfer at any time. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your funds transfer instruction we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant to us that you have enough money credit another of your Accounts or an account of a Recipient in the noncase of Popmoney. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-Pinnacle 4 banking days), our service provider will credit your or the Recipients Account. The sole purpose for our service provider's transfer account is to complete your funds transfer requests and for performing the services within the scope of this Agreement. The service provider earns no interest on the funds in the transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. OneUnited Bank will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize OneUnited Bank to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover utilize other established payment mechanisms in order to complete your funds transfer instructions, such as wire transfer or check. If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address or phone number for text message for such Recipient. We will contact the Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution that they wish to transfer in accordance with the terms of any written overdraft protection plan that funds to. If the Recipient fails to reply to the email/text or fails to follow the instructions provided by us, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers or Popmoney Transfers you are permitted to make using our Transfer Service. In Without limiting the event that foregoing, if your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Transfer funds transfer and/or Popmoney Service" below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by uspermitted. Transfers Subject subject to the Rules of the Accounts. accounts All funds transfers are also subject to the account agreements, rules and regulations governing the relevant Accountsaccounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the applicable account agreements, rules or regulations applicable to such Account including rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfer, to submit funds transfer instructions or orders orders, or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to execute your funds transfer instruction we utilize the Automated Clearing House (ACH). Using applicable ACH Rules, we debit one of your accounts and warrant credit another of your accounts or an account of a Recipient. Once your Account has been debited, we credit our service provider's transfer account at the service provider's clearing bank. After our service provider and/or its clearing bank are reasonably certain that the debit will not be returned (in most cases this is usually between 3-4 banking days), our service provider will credit your or the Recipients Account. The purposes for our service provider's transfer account are to us that you have enough money complete your funds transfer requests and to perform the services within the scope of this Agreement. The service provider earns no interest on the funds in the non-Pinnacle Bank Accounts transfer account. If the debit side fails or is returned for any reason and the credit side has been released and cannot be collected, you authorize our service provider to make any collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the event of an insufficient or uncollected funds return, and if we cannot, to collect the amount credited. To effect this collection, you request understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we make on may from time to time impose additional charges in connection with your behalf through funds transfer transactions. Bank will notify you of such fee in advance of the Transfer Servicetransaction. If you choose to proceed with the transaction, you authorize Bank to debit your account in the amount indicated. If a debit to any of your accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we receive a transfer request against your are unable to debit either the debited or the credited Account and there are not enough available funds in your Account to cover the transferas set forth above, we may at our sole discretion: • Cover reserve the right, and you hereby authorize us, to debit any of your other accounts to the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation" below). If you have requested for a funds transfer to a Recipient, you must provide us with a true, correct, current email address for such Recipient. We will contact the terms of any written overdraft protection plan that Recipient, and ask the Recipient to provide us with certain information, such as the account number and financial institution to which they wish to transfer the funds. If the Recipient fails to reply to the email or fails to follow the instructions we provided, we will notify you and we have established; • Cover credit your Account for the transfer and create an overdraft to your Account; or • Decline amount of the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees).

Dollar Amount of Transfers. You may not make funds transfers in excess of dollar limits for described on the Transfer Service. We reserve the right to change from time to time the dollar amount of funds transfers you are permitted to make using our Transfer Service. In Without limiting the foregoing, in the event that your use of the Transfer Service has been suspended and reinstated as provided below herein (see Section 6.G "Suspension and Reinstatement of Funds Transfer Service," below), you understand and agree that your use of the Transfer Service thereafter may be subject to lower dollar amount limitations than would otherwise be permitted by us. Transfers Subject to the Rules of the Accounts. All Accounts Additionally, all funds transfers are also subject to the rules and regulations governing the relevant Accounts. You may agree not initiate to effect any funds transfers from or to an Account that are not allowed under the rules or regulations applicable to such Account including accounts including, without limitation, rules or regulations designed to prevent the transfer of funds in violation of the Office of Foreign Asset Control (OFAC) OFAC regulations. Failure or Rejection of Transfers. Upon learning that the funds transfer could not be completed, we may, but are not required to, make a reasonable effort to complete the transfer again. If the funds transfer fails, we will notify you to contact your non-Pinnacle Bank Financial Institution to learn more about the failure. Transfers We reserve the right to decline (i) to effect any funds transfer or (ii) transfers, to submit funds transfer instructions or orders or (iii) to carry out change or cancellation requests. Authorization You represent authorize us to select any means to execute your funds transfer instructions. You understand that to effect your Funds Transfer instructions we utilize the Automated Clearing House (ACH), using applicable ACH Rules, we debit one of your Accounts and warrant credit another of your Accounts. If the debit side fails to us that post to the senders account or is returned for any reason and the credit side has been released and cannot be collected, you have enough money authorize our service provider to collect from the Account to which the credit side of the funds transfer was sent. We reserve the right to resubmit a debit, or a portion of the debit, in the non-Pinnacle event of an insufficient or uncollected funds return and if we cannot collect the amount credited. To effect this collection, you understand and authorize us to debit the credited Account or the debited Account in either the same dollar amount as the original funds transfer or a portion of the debit. There may be a fee associated with such collection imposed by the financial institution holding the Account. You understand and agree that we may from time to time impose additional charges in connection with your funds transfer transactions. Mechanics Bank will notify you of such fee in advance of the transaction. If you choose to proceed with the transaction, you authorize Mechanics Bank to debit your account in the amount indicated. In the event that a debit to any of your Accounts, or any portion of any such debit, has failed and the credit side of such transaction has been released and cannot be collected, and we are unable to debit either the debited or the credited Account as set forth above, we reserve the right, and you hereby authorize us, to debit any of your other Accounts to make the extent necessary to offset any resulting deficiency. We do not undertake to notify you in such event, other than by posting any such transfer or transfers to the applicable Account in accordance with this Agreement (see "Documentation," below). You understand and agree that in the event we are unable to execute your funds transfer you request that we make on your behalf through utilizing the Transfer Service. If we receive a transfer request against your Account and there are not enough available funds in your Account to cover the transferACH, we may at our sole discretion: • Cover the utilize other established payment mechanisms in order to complete your Funds Transfer instructions, such as wire transfer in accordance with the terms of any written overdraft protection plan that you and we have established; • Cover the transfer and create an overdraft to your Account; or • Decline the transfer. We may make the decision regardless of whether we may have previously established a pattern of honoring or dishonoring overdrafts. Fees may vary depending on the action we take. Any negative balance on your Account is immediately due and payable, unless we agree otherwise in writing, and you agree to reimburse us for the costs and expenses (including attorney fees and expenses) we incur in recovering the negative balance (including overdraft and associated fees)check.