Common use of Electronic Check Conversion Clause in Contracts

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic fund transfer to collect a charge in the event a check is returned for insufficient funds. Account Access at Automated Teller Machines: You can access one checking, one savings, and one line of credit at Credit Union or affiliated ATMs through each card(s) held in the same name (excluding prepaid cards). You may perform the following transactions at ATMs: • Make cash withdrawals from checking and savings accounts. • Deposit funds to checking and savings accounts. • Transfer funds from your account associated with your card. • Make loan payments from related share or savings accounts (Credit Union loans only) • View deposit and loan account balances and history *Some of these transactions are not available at all ATMs. Purchases at Merchants: You may use any of your Credit Union Debit Cards to make purchases at merchants that accept MasterCard® debit cards. You may use your Credit Union ATM Card and any of your Credit Union Debit Cards to make purchases by entering your PIN at participating merchants. You may also get cash from a merchant, if the merchant permits. Purchases made with your card will result in debits to your “primary” checking account. These transactions will be itemized on your monthly statement, including the merchant name, location, the date of purchase and the amount of the purchase. Returns at Merchants: Returns of purchases made with your Credit Union Debit Card are limited to the daily amounts set forth in the Rate and Fee Schedule. Other Electronic Transactions: In addition to transactions initiated by using your Credit Union Debit Card, there are other electronic banking transactions that you may arrange through your account. These include: • Telephone/personal computer activated transfers of funds from your accounts with us to other accounts with us or to third parties. These include but are not limited to transfers made by telephone, text, online and mobile banking. • Automatic transfer of funds between checking and savings accounts. • Automatic periodic payments to third parties or us from checking or savings accounts (for example, monthly mortgage payments, installment loan payments, insurance payments, utility payments). • Direct deposit to checking or savings accounts (for example, payroll checks, social security payments). • Electronic check conversions from your checking account using a blank, partial or fully completed personal check at merchant locations. • Payments made to your account through your Credit Union Debit Card. • You can also use any of your Credit Union Debit Cards to obtain a cash advance from your checking account at any MasterCard® member financial institution anywhere in the world.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check to pay for purchases or pay bills. Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic fund transfer to collect a charge in the event a check is returned for insufficient funds. Account Access at Automated Teller Machines: You can access one checking, one savings, and one line of credit at Credit Union or affiliated ATMs through each card(s) held in the same name (excluding prepaid cards). You may perform the following transactions at ATMs: • Make cash withdrawals from your checking and savings accounts. • Deposit funds to checking and savings accounts. • Transfer funds from your account associated with your card. • Make loan payments from related share Check the current balance of your linked checking or savings accounts (Credit Union loans only) • View deposit and loan account balances and history savings. *Some of these transactions are not available at all ATMs. Purchases at Merchants: You may use any of your Credit Union Debit Cards to make purchases at merchants that accept MasterCardVisa® debit cards. You may use your Credit Union ATM Card and any of your Credit Union Debit Cards to make purchases by entering your PIN at participating merchants. You may also get cash from a merchant, if the merchant permits. Purchases made with your card will result in debits to your “primary” the checking accountaccount linked to that card. These transactions will be itemized on your monthly statement, including the merchant name, location, the date of purchase and the amount of the purchase. Returns at Merchants: Returns of purchases made with your Credit Union Partial Debit Card are limited to the daily amounts set forth in the Rate and Fee Schedule. Other Electronic Transactions: In addition Some merchants may be enrolled in Visa’s Partial Authorization service. This means that if you chose ‘No’ to transactions initiated by using ATM and Debit Card Overdraft Coverage, your Credit Union Debit Cardtransaction may be approved for only part of your total purchase amount. This occurs when you do not have a sufficient Available Balance, there are other electronic banking transactions that you may arrange through your accountnecessary to pay for the entire transaction, at the time of the purchase. These include: • Telephone/personal computer activated transfers of Additionally, funds from your accounts with us to other accounts with us or to third partiesdesignated account(s) linked for Overdraft Protection (if applicable) may be considered when determining the amount that is authorized. These include but are not limited to transfers made by telephone, text, online and mobile banking. • Automatic transfer of funds between checking and savings accounts. • Automatic periodic payments to third parties or us from checking or savings accounts (for For example, monthly mortgage payments, installment loan payments, insurance payments, utility payments). • Direct deposit to checking or savings accounts (for example, payroll checks, social security payments). • Electronic check conversions from your checking account using if you attempt a blank, partial or fully completed personal check at merchant locations. • Payments made to $30.00 transaction when your account through has an Available Balance of $20.00, your Credit Union Debit Card. • You can also use any purchase may be approved for $20.00 instead of your Credit Union Debit Cards to obtain a cash advance from your checking account at any MasterCard® member financial institution anywhere in the worldentire transaction being declined.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-time onetime electronic payment from your checking account using information from your check to pay for purchases or pay bills. Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic fund transfer to collect a charge in the event a check is returned for insufficient funds. Account Access at Automated Teller Machines: You can access one checking, one savings, and one line of credit checking and/or savings account at Credit Union or affiliated ATMs through each card(s) held in the same name per card (excluding prepaid cards). You may perform the following transactions at ATMs: • Make cash withdrawals from your checking and savings accounts. • Obtain cash advances from your Share Draft Line of Credit account using your Credit Union Debit Card or ATM card. (Refer to your cardholder agreement for any finance charges that may apply.) • Deposit funds to checking and savings accounts. , only available at certain ATM’s (subject to check holds as per funds availability disclosure) • Transfer funds from your account associated with your card. • Make loan payments from related share or Check the current balance of your linked checking and savings accounts (Credit Union loans only) • View deposit and loan account balances and history *accounts. Some of these transactions are not available at all ATMs. Purchases at Merchants: You may use any of your Credit Union Debit Cards to make purchases at merchants that accept MasterCardVisa® debit cards. You may use your Credit Union ATM Card and any of your Credit Union Debit Cards to make purchases by entering your PIN or selecting “Credit” at participating merchants. You may also get cash from a merchant, if the merchant permits. Purchases made with your card will result in debits to your “primary” checking account. These transactions will be itemized on your monthly statement, including the merchant name, location, the date of purchase and the amount of the purchase. Partial Debit Card Transactions: Some merchants may be enrolled in Visa’s Partial Authorization service. This means that if you chose ‘No’ to ATM and Debit Card Overdraft Coverage, your transaction may be approved for only part of your total purchase amount. This occurs when you do not have a sufficient Available Balance necessary to pay for the entire transaction at the time of the purchase. Additionally, funds from your designated account(s) linked for Overdraft Protection (if applicable) may be considered when determining the amount that is authorized. For example, if you attempt a $30.00 transaction when your account has an Available Balance of $20.00, your purchase may be approved for $20.00 instead of the entire transaction being declined. Returns at Merchants: Returns of purchases made with your Credit Union Debit Card are limited to the daily amounts set forth in the Rate and Fee Schedule. Other Electronic Transactions: In addition to transactions initiated by using your Credit Union Debit Card, there are other electronic banking transactions that you may arrange through your account. These include: • Telephone/personal computer activated transfers of funds from your accounts with us to other accounts with us or to third parties. These include but are not limited to transfers made by telephone, text, online and mobile banking. • Automatic transfer of funds between checking and savings accounts. • Automatic periodic payments to third parties or us from checking or savings accounts (for example, monthly mortgage payments, installment loan payments, insurance payments, utility payments). • Direct deposit to checking or savings accounts (for example, payroll checks, social security payments). • Electronic check conversions from your checking account using a blank, partial or fully completed personal check at merchant locations. • Payments made to your account through your Credit Union Debit Card. • You can also use any of your Credit Union Debit Cards to obtain a cash advance from your checking account at any MasterCardVisa® member financial institution anywhere in the world.

Electronic Check Conversion. You may authorize a merchant or other payee to make a one-one- time electronic payment from your checking account using information from your check to pay for purchases or pay bills. Electronic returned check charge. You may authorize a merchant or other payee to initiate an electronic fund transfer to collect a charge in the event a check is returned for insufficient funds. Account Access at Automated Teller Machines: You can access one checking, one savings, and one line of credit checking and/or savings account at Credit Union or affiliated ATMs through each card(s) held in the same name per card (excluding prepaid cards). You may perform the following transactions at ATMs: • Make cash withdrawals from your checking and savings accounts. • Obtain cash advances from your Share Draft Line of Credit account using your Credit Union Debit Card or ATM card. (Refer to your cardholder agreement for any finance charges that may apply.) • Deposit funds to checking and savings accounts. , only available at certain ATM’s (subject to check holds as per funds availability disclosure) • Transfer funds from your account associated with your card. • Make loan payments from related share or Check the current balance of your linked checking and savings accounts (Credit Union loans only) • View deposit and loan account balances and history *accounts. Some of these transactions are not available at all ATMs. Purchases at Merchants: You may use any of your Credit Union Debit Cards to make purchases at merchants that accept MasterCardVisa® debit cards. You may use your Credit Union ATM Card and any of your Credit Union Debit Cards to make purchases by entering your PIN or selecting “Credit” at participating merchants. You may also get cash from a merchant, if the merchant permits. Purchases made with your card will result in debits to your “primary” checking account. These transactions will be itemized on your monthly statement, including the merchant name, location, the date of purchase and the amount of the purchase. Partial Debit Card Transactions: Some merchants may be enrolled in Visa’s Partial Authorization service. This means that if you chose ‘No’ to ATM and Debit Card Overdraft Coverage, your transaction may be approved for only part of your total purchase amount. This occurs when you do not have a sufficient Available Balance necessary to pay for the entire transaction at the time of the purchase. Additionally, funds from your designated account(s) linked for Overdraft Protection (if applicable) may be considered when determining the amount that is authorized. For example, if you attempt a $30.00 transaction when your account has an Available Balance of $20.00, your purchase may be approved for $20.00 instead of the entire transaction being declined. Returns at Merchants: Returns of purchases made with your Credit Union Debit Card are limited to the daily amounts set forth in the Rate and Fee Schedule. Other Electronic Transactions: In addition to transactions initiated by using your Credit Union Debit Card, there are other electronic banking transactions that you may arrange through your account. These include: • Telephone/personal computer activated transfers of funds from your accounts with us to other accounts with us or to third parties. These include but are not limited to transfers made by telephone, text, online and mobile banking. • Automatic transfer of funds between checking and savings accounts. • Automatic periodic payments to third parties or us from checking or savings accounts (for example, monthly mortgage payments, installment loan payments, insurance payments, utility payments). • Direct deposit to checking or savings accounts (for example, payroll checks, social security payments). • Electronic check conversions from your checking account using a blank, partial or fully completed personal check at merchant locations. • Payments made to your account through your Credit Union Debit Card. • You can also use any of your Credit Union Debit Cards to obtain a cash advance from your checking account at any MasterCardVisa® member financial institution anywhere in the world.