Common use of ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE Clause in Contracts

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE. The following terms apply to electronic fund transfers governed by the Electronic Fund Transfer Act (e.g., ATM, point-of-sale, ACH transfers and any additional funds transfer services provided through online or mobile banking). Any authorized signer(s) on an account may apply for electronic fund transfer services on behalf of all authorized signers. Once an electronic fund transfer service is established, any authorized signer on your account may act alone in conducting electronic fund transactions. Under this agreement, we are authorized to make all deposits, withdrawals, transfers and payments to or from your account which are performed with your Debit Card, or according to your automatic deposit or payment instructions. Debit Cards You can perform the following transactions with your Debit Card (“Card”), depending on the accounts and services associated with your Card: • Withdraw cash from your checking, savings or money market account; • Transfer funds between your checking, savings and money marketaccounts; • Pay for purchases at places that have agreed to accept our Card; and • Obtain account balance information. Balance information may not reflect recent transactions, and may include funds that are not available for immediate withdrawal. Some of these services may not be available at all terminals, and all payments are subject to later verification by us. Your Card can be used at terminals that are part of the networks in which we participate. The reverse side of your Card contains the logos of the networks in which we participate. You also can call us at 000-000-0000 for a current list of the networks in which we participate. You can activate your Card by using your personal identification number (“PIN”) at any ATM or call the number shown on the card carrier. If you decide you do not want to use your Card, destroy it at once by cutting it in half and notify us in writing at P.O. Box 471, Santa Monica, CA 00000-0000 or call us at 000-000-0000. Your Card cannot be used to transfer money into or out of your account without a PIN at ATMs and most point of sale (POS) terminals. You may be asked to sign a sales slip or provide identification, rather than enter your PIN, for certain Debit Card transactions. At some merchants, such as gas stations, you may not be required to sign your name or enter your PIN for a Debit Card purchase; however, you may be required to enter your ZIP code or another identifier. Transaction Holds: When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your account for the amount indicated by the merchant. Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your account for the correct amount of the final transaction, however, and we will release any excess amount when the transaction finally settles. ATM Safety: You agree to exercise discretion when using ATMs. To help ensure your safety when using an ATM, please keep in mind the following: • Be careful when using the ATM and be aware of the surroundings, especially at night or in isolated areas. • Park near the ATM in a well-lighted area; do not approach a darkATM. • At night, have someone accompany you when possible. • If there are any suspicious circumstances or activity occurring at or near the ATM, do not use the ATM. • If you notice anything suspicious while transacting business at the ATM, cancel the transaction, secure your Card and leave. • Do not accept assistance from anyone while using the ATM. • Do not display your cash; secure it and count it later in a securelocation. • Be sure to save your transaction slips; check them against your statementspromptly. • Make sure you safeguard your PIN — do not write it on your Card or carry it in your wallet or purse. • Always secure your Card just like you would your cash, checks and credit cards. • Report all crimes to the ATM operator and local law enforcement officialsimmediately. We do not guarantee your safety while using an ATM. Card and PIN Security: You agree not to disclose or otherwise make your Card or PIN available to others. You agree not to write your PIN on your Card or keep it in the same location as your Card. You agree to return your Cards to us upon our request. Refunds on Purchases: Cash refunds will not be made to you for purchases made with your Debit Card. If a merchant gives you a refund for a merchandise purchase or other adjustments, it may do so by processing a credit adjustment, which we will apply as a credit to your account.

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE. The following terms apply to electronic fund transfers governed by the Electronic Fund Transfer Act (e.g., ATM, point-of-sale, ACH transfers and any additional funds transfer services provided through online or mobile banking). Any authorized signer(s) on an account may apply for electronic fund transfer services on behalf of all authorized signers. Once an electronic fund transfer service is established, any authorized signer on your account may act alone in conducting electronic fund transactions. Under this agreement, we are authorized to make all deposits, withdrawals, transfers and payments to or from your account which are performed with your Debit Card, or according to your automatic deposit or payment instructions. Debit Cards You can perform the following transactions with your Debit Card (“Card”), depending on the accounts and <RX FDQ SHUIRUP WKH IROORZLQJ WUDQVDFWLRQV ZLWK \RXU ' services associated with your Card: • x Withdraw cash from your checking, savings or money market account; • x Transfer funds between your checking, savings and money marketaccounts; • x Pay for purchases at places that have agreed to accept our Card; and • x Obtain account balance information. Balance information may not reflect recent transactions, and may include funds that are not available for immediate withdrawal. Some of these services may not be available at all terminals, and all payments are subject to later verification by us. Your Card can be used at terminals that are part of the networks in which we participate. The reverse side of your Card contains the logos of the networks in which we participate. You also can call us at 000-000-0000 for a current list of the networks in which we participate. You can activate your Card by using your personal identification number (“PIN”) at any ATM or call the number shown on the card carrier. If you decide you do LGHQWLILFDWLRQ QXPEHU ³3,1´ DW DQ\ $70 RU FDOO WKH Q not want to use your Card, destroy it at once by cutting it in half and notify us in writing at P.O. Box 471, Santa Monica, CA 00000-0000 or call us at 000-000-0000. Your Card cannot be used to transfer money into or out of your account without a PIN at ATMs and most point of sale (POS) terminals. You may be asked to sign a sales slip or provide identification, rather than enter your PIN, for certain Debit Card transactions. At some merchants, such as gas stations, you may not be required to sign your name or enter your PIN for a Debit Card purchase; however, you may be required to enter your ZIP code or another identifier. Transaction Holds: When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your account for the amount indicated by the merchant. Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your account for the correct amount of the final transaction, however, and we will release any excess amount when the transaction finally settles. ATM Safety: You agree to exercise discretion when using ATMs. To help ensure your safety when using an ATM, please keep in mind the following: • x Be careful when using the ATM and be aware of the surroundings, especially at night or in isolated areas. • x Park near the ATM in a well-lighted area; do not approach a darkATMdark ATM. • x At night, have someone accompany you when possible. • x If there are any suspicious circumstances or activity occurring at or near the ATM, do not use the ATM. • x If you notice anything suspicious while transacting business at the ATM, cancel the transaction, secure your Card and leave. • x Do not accept assistance from anyone while using the ATM. • x Do not display your cash; secure it and count it later in a securelocation. • x Be sure to save your transaction slips; check them against your statementspromptlystatements promptly. • x Make sure you safeguard your PIN — ² do not write it on your Card or carry it in your wallet or purseorpurse. • x Always secure your Card just like you would your cash, checks and credit cards. • x Report all crimes to the ATM operator and local law enforcement officialsimmediatelyofficials immediately. We do not guarantee your safety while using an ATM. Card and PIN Security: You agree not to disclose or otherwise make your Card or PIN available to others. You agree not to write your PIN on your Card or keep it in the same location as your Card. You agree to return your Cards to us upon our request. Refunds on Purchases: Cash refunds will not be made to you for purchases made with your Debit Card. If a merchant gives you a refund for a merchandise purchase or other adjustments, it may do so by processing a credit adjustment, which we will apply as a credit to your account.

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE. The following terms apply to electronic fund transfers governed by the Electronic Fund Transfer Act (e.g., ATM, point-of-sale, ACH transfers and any additional funds transfer services provided through online or mobile banking). Any authorized signer(s) on an account may apply for electronic fund transfer services on behalf of all authorized signers. Once an electronic fund transfer service is established, any authorized signer on your account may act alone in conducting electronic fund transactions. Under this agreement, we are authorized to make all deposits, withdrawals, transfers and payments to or from your account which are performed with your Debit Card, or according to your automatic deposit or payment instructions. Debit Cards You can perform the following transactions with your Debit Card (“Card”), depending on the accounts and services associated with your Card: • Withdraw cash from your checking, savings or money market account; • Transfer funds between your checking, savings and money marketaccountsmarket accounts; • Pay for purchases at places that have agreed to accept our Card; and • Obtain account balance information. Balance information may not reflect recent transactions, and may include funds that are not available for immediate withdrawal. Some of these services may not be available at all terminals, and all payments are subject to later verification by us. Your Card can be used at terminals that are part of the networks in which we participate. The reverse side of your Card contains the logos of the networks in which we participate. You also can call us at 000-000-0000 for a current list of the networks in which we participate. You can activate your Card by using your personal identification number (“PIN”) at any ATM or call the number shown on the card carrier. If you decide you do not want to use your Card, destroy it at once by cutting it in half and notify us in writing at P.O. Box 471, Santa Monica, CA 00000-0000 or call us at 000-000-0000. Your Card cannot be used to transfer money into or out of your account without a PIN at ATMs and most point of sale (POS) terminals. You may be asked to sign a sales slip or provide identification, rather than enter your PIN, for certain Debit Card transactions. At some merchants, such as gas stations, you may not be required to sign your name or enter your PIN for a Debit Card purchase; however, you may be required to enter your ZIP code or another identifier. Transaction Holds: When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your account for the amount indicated by the merchant. Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your account for the correct amount of the final transaction, however, and we will release any excess amount when the transaction finally settles. ATM Safety: You agree to exercise discretion when using ATMs. To help ensure your safety when using an ATM, please keep in mind the following: • Be careful when using the ATM and be aware of the surroundings, especially at night or in isolated areasisolatedareas. • Park near the ATM in a well-lighted area; do not approach a darkATMdark ATM. • At night, have someone accompany you when possible. • If there are any suspicious circumstances or activity occurring at or near the ATM, do not use the ATM. • If you notice anything suspicious while transacting business at the ATM, cancel the transaction, secure your Card and leave. • Do not accept assistance from anyone while using the ATM. • Do not display your cash; secure it and count it later in a securelocationsecure location. • Be sure to save your transaction slips; check them against your statementspromptlystatements promptly. • Make sure you safeguard your PIN — do not write it on your Card or carry it in your wallet or purseorpurse. • Always secure your Card just like you would your cash, checks and credit cards. • Report all crimes to the ATM operator and local law enforcement officialsimmediatelyofficials immediately. We do not guarantee your safety while using an ATM. Card and PIN Security: You agree not to disclose or otherwise make your Card or PIN available to others. You agree not to write your PIN on your Card or keep it in the same location as your Card. You agree to return your Cards to us upon our request. Refunds on Purchases: Cash refunds will not be made to you for purchases made with your Debit Card. If a merchant gives you a refund for a merchandise purchase or other adjustments, it may do so by processing a credit adjustment, which we will apply as a credit to your account.

ELECTRONIC FUND TRANSFER AGREEMENT AND DISCLOSURE. The following terms apply to electronic fund transfers governed by the Electronic Fund Transfer Act (e.g., ATM, point-of-sale, ACH transfers and any additional funds transfer services provided through online or mobile banking). Any authorized signer(s) on an account may apply for electronic fund transfer services on behalf of all authorized signers. Once an electronic fund transfer service is established, any authorized signer on your account may act alone in conducting electronic fund transactions. Under this agreement, we are authorized to make all deposits, withdrawals, transfers and payments to or from your account which are performed with your Debit Card, or according to your automatic deposit or payment instructions. Debit Cards You can perform the following transactions with your Debit Card (“Card”), depending on the accounts and services associated with your Card: • Withdraw cash from your checking, savings or money market account; • Transfer funds between your checking, savings and money marketaccountsmarket accounts; • Pay for purchases at places that have agreed to accept our Card; and • Obtain account balance information. Balance information may not reflect recent transactions, and may include funds that are not available for immediate withdrawal. Some of these services may not be available at all terminals, and all payments are subject to later verification by us. Your Card can be used at terminals that are part of the networks in which we participate. The reverse side of your Card contains the logos of the networks in which we participate. You also can call us at 000-000-0000 for a current list of the networks in which we participate. You can activate your Card by using your personal identification number (“PIN”) at any ATM or call the number shown on the card carrier. If you decide you do not want to use your Card, destroy it at once by cutting it in half and notify us in writing at P.O. Box 471, Santa Monica, CA 00000-0000 or call us at 000-000-0000. Your Card cannot be used to transfer money into or out of your account without a PIN at ATMs and most point of sale (POS) terminals. You may be asked to sign a sales slip or provide identification, rather than enter your PIN, for certain Debit Card transactions. At some merchants, such as gas stations, you may not be required to sign your name or enter your PIN for a Debit Card purchase; however, you may be required to enter your ZIP code or another identifier. Transaction Holds: When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your account for the amount indicated by the merchant. Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your account for the correct amount of the final transaction, however, and we will release any excess amount when the transaction finally settles. ATM Safety: You agree to exercise discretion when using ATMs. To help ensure your safety when using an ATM, please keep in mind the following: • Be careful when using the ATM and be aware of the surroundings, especially at night or in isolated areas. • Park near the ATM in a well-lighted area; do not approach a darkATMdark ATM. • At night, have someone accompany you when possible. • If there are any suspicious circumstances or activity occurring at or near the ATM, do not use the ATM. • If you notice anything suspicious while transacting business at the ATM, cancel the transaction, secure your Card and leave. • Do not accept assistance from anyone while using the ATM. • Do not display your cash; secure it and count it later in a securelocationsecure location. • Be sure to save your transaction slips; check them against your statementspromptlystatements promptly. • Make sure you safeguard your PIN — do not write it on your Card or carry it in your wallet or purse. • Always secure your Card just like you would your cash, checks and credit cardscreditcards. • Report all crimes to the ATM operator and local law enforcement officialsimmediatelyofficials immediately. We do not guarantee your safety while using an ATM. Card and PIN Security: You agree not to disclose or otherwise make your Card or PIN available to others. You agree not to write your PIN on your Card or keep it in the same location as your Card. You agree to return your Cards to us upon our request. Refunds on Purchases: Cash refunds will not be made to you for purchases made with your Debit Card. If a merchant gives you a refund for a merchandise purchase or other adjustments, it may do so by processing a credit adjustment, which we will apply as a credit to your account.