Common use of Electronic Fund Transfer Services Clause in Contracts

Electronic Fund Transfer Services. At the present time, the following types of electronic fund transfers to or from your account(s) in the Credit Union may be authorized: Transfers TO your account(s) (credits): • Deposit of payroll deductions from various employers that have agreed to send such deposits to us (contact us to see if your employer is one of them) • Direct deposit of various governmental benefits • Deposit(s) from any third party through the facilities of the Federal Reserve • Automatic transfers to your account(s) from another person's account with us Transfers FROM your account(s) (debits): • Automatic deduction from your account of premiums for insurance coverage available to our members • Payments of your house mortgage payments, insurance payments and utility bills, as well as other types of payments to third parties, through the facilities of the Federal Reserve • Telephone bill payment services • Automatic transfers from your account(s) to another person's account with us • Automatic transfers from your account(s) to make payments on another person's loan owed to us AUTOMATED CLEARING HOUSE TRANSFER SERVICES: We offer preauthorized EFT services through the Federal Reserve. We are able to electronically transfer available funds from your account(s) to accounts at other financial institutions or receive funds electronically from other financial institutions for deposit to your account. Because you must authorize such transfers in advance, these transfers are called "Preauthorized Transfers." Some of the services offered as preauthorized transfers are direct deposit of payroll, social security and other government payments, and automatic bill payment services. AUTOMATED TELLER MACHINE (ATM) TRANSACTIONS: If you have a debit card (which contains a Visa hologram); along with a Personal Identification Number (PIN), you can use it to make any or all of the following transactions at any participating automated teller machine networks. Some transactions listed below may not be available to all networks: • Deposits to your Savings Account, Checking Account, and Money Market • Cash withdrawals from your Checking Account, Classic Savings Accounts, and Money Market • Transfer of funds (non-cash) from your Classic Savings Accounts to your Checking Account; from your Classic Savings Accounts or Checking to loan payment(s) • Verify balances in specified savings, checking, or loan accounts that you have with us (these are not "electronic fund transfers") POINT OF SALE TRANSACTIONS (POS): Your card may be used to purchase goods or services from merchants who have arranged to accept a debit card as a means of payment. If you have a Visa Debit Card, it may be used to purchase goods and services from Visa merchants. These merchants are collectively referred to as "Participating Merchants" and will display a logo or other symbol that identifies them as a merchant who will accept your card. Purchases made with our card, including any purchases where you receive cash back, are referred to as "point of sale" transactions or "POS" transactions. A POS will cause your Savings or Checking Account to be debited for the amount of the purchase. TELEPHONE AUDIO RESPONSE SERVICES (FAST): If you have an Access Code (PIN), you can also use it to make any and all of the following non-cash Electronic Fund Transfers using the Fast Access Audio Teller, (FAST), via a touch-tone phone: • Check withdrawals (which will be mailed to your home) from your savings or Checking Account(s) • Transfer an advance from your Line of Credit loan or Home Equity Line of Credit account • Transfers between Savings and Checking Account(s) • Transfers to your Christmas Club and Classic Savings Account(s) • Transfers from Savings and Checking Account(s) to make a loan payment In addition, you can use the Access Code to make any and all transactions (which are not electronic funds transfers) using the FAST audio response system via telephone. These include: • Balance inquiries on your Savings, Checking, Money Market, Christmas Club, IRAs and/or Certificate of Deposit (CD) accounts • Inquiries on loan balances, next loan payment due dates, amounts, and loan payoffs • Inquiries about checks that have cleared your account • Obtain a listing of your most recent transactions for any account(s) • Change your Access Code SERVICE LIMITATIONS

Electronic Fund Transfer Services. At the present time, the following types of electronic fund transfers to or from your account(s) in the Credit Union may be authorized: Transfers TO your account(s) (credits): • Deposit of payroll deductions from various employers that have agreed to send such deposits to us (contact us to see if your employer is one of them) • Direct deposit of various governmental benefits • Deposit(s) from any third party through the facilities of the Federal Reserve • Automatic transfers to your account(s) from another person's account with us Transfers FROM your account(s) (debits): • Automatic deduction from your account of premiums for insurance coverage available to our members • Payments of your house mortgage payments, insurance payments and utility bills, as well as other types of payments to third parties, through the facilities of the Federal Reserve • Telephone bill payment services • Automatic transfers from your account(s) to another person's account with us • Automatic transfers from your account(s) to make payments on another person's loan owed to us AUTOMATED CLEARING HOUSE TRANSFER SERVICES: We offer preauthorized EFT services through the Federal Reserve. We are able to electronically transfer available funds from your account(s) to accounts at other financial institutions or receive funds electronically from other financial institutions for deposit to your account. Because you must authorize such transfers in advance, these transfers are called "Preauthorized Transfers." Some of the services offered as preauthorized transfers are direct deposit of payroll, social security and other government payments, and automatic bill payment services. AUTOMATED TELLER MACHINE (ATM) TRANSACTIONS: If you have a debit card Debit Card (which contains a Visa hologram); along with a Personal Identification Number (PIN), you can use it to make any or all of the following transactions at any participating automated teller machine networks. Some transactions listed below may not be available to all networks: • Deposits to your Savings Saving Account, Checking Account, and Money Market • Cash withdrawals from your Checking Account, Classic Savings Saving Accounts, and Money Market • Transfer of funds (non-cash) from your Classic Savings Saving Accounts to your Checking Account; from your Classic Savings Saving Accounts or Checking to loan payment(s) • Verify balances in specified savings, checkingChecking, or loan accounts that you have with us (these are not "electronic fund transfers") POINT OF SALE TRANSACTIONS (POS): Your card Card may be used to purchase goods or services from merchants who have arranged to accept a debit card an ATM/Debit Card as a means of payment. If you have a Visa Debit CardVisa, it may be used to purchase goods and services from Visa merchants. These merchants are collectively referred to as "Participating Merchants" and will display a logo or other symbol that identifies them as a merchant who will accept your card. Purchases made with our cardCard, including any purchases where you receive cash back, are referred to as "point of sale" transactions or "POS" transactions. A POS will cause your Savings or Checking Account to be debited for the amount of the purchase. TELEPHONE AUDIO RESPONSE SERVICES (FAST): If you have an Access Code (PIN), you can also use it to make any and all of the following non-cash Electronic Fund Transfers using the Fast Access Audio Teller, (FAST), via a touch-tone phone: • Check withdrawals (which will be mailed to your home) from your savings or Checking Account(s) • Transfer an advance from your Line of Credit loan or Home Equity Line of Credit account • Transfers between Savings savings and Checking Account(s) • Transfers to your Christmas Club and Classic Savings Account(s) • Transfers from Savings savings and Checking Account(s) to make a loan payment In addition, you can use the Access Code to make any and all transactions (which are not electronic funds transfers) using the FAST audio response system via telephone. These include: • Balance inquiries on your Savingssavings, Checking, Money Market, Christmas Club, IRAs and/or Certificate of Deposit (CD) accounts • Inquiries on loan balances, next loan payment due dates, amounts, and loan payoffs • Inquiries about checks that have cleared your account • Obtain a listing of your most recent transactions for any account(s) • Change your Access Code SERVICE LIMITATIONS

Electronic Fund Transfer Services. At the present time, you can authorize the following types of electronic fund funds transfers to or from your asset account(s) in the at OU Credit Union may be authorizedUnion: Transfers TO your account(sYour Account(s) (creditsCredits): • Deposit Direct deposit of payroll deductions or net paychecks from various employers that have Michigan State University or Oakland University or any other employer who has agreed to send such deposits to us (contact us your employer to see if your employer direct deposit of payroll deductions or net pay is one of themavailable) • Direct deposit of various governmental benefits • Direct deposit of pension payments • Deposit(s) or payment(s) from any third party through the Federal Reserve or the facilities of the Federal Reserve an automated clearing house association of which we are a member • Automatic transfers to your account(s) from the account of another person's account with us Transfers FROM , unless that other person is an immediate family member and the transfer was not requested by you • Transfer to your account(s) from your other asset or loan accounts that we make at your request via an overdraft line of credit, MoneyLine, ComputerLine or the OUCU Mobile app Transfers FROM Your Account(s) (debitsDebits): • Automatic deduction from your account of premiums for insurance coverage available to our members • Payments of your house Your home mortgage paymentspayment, insurance payments premiums, and utility bills, as well as other types of payments to third parties, through the Federal Reserve or the facilities of the Federal Reserve • Telephone bill payment services an automated clearing house association of which we are a member • Automatic transfers from your account(s) to the account of another person's account with us person who is not a member of your immediate family • Automatic transfers from your account(s) to make payments on to another person's loan owed ’s loan(s) owing to us AUTOMATED CLEARING HOUSE TRANSFER SERVICES: We offer preauthorized EFT services through the Federal Reserve. We are able to electronically transfer available funds • Transfers from your account(s) to your other asset or loan accounts that we make at other financial institutions your request or receive funds electronically through ATMs, MoneyLine, ComputerLine, or the OUCU Mobile app • Withdrawals from other financial institutions for deposit your account(s) made by your phone request (a check will be mailed to your account. Because you must authorize such transfers in advance, these transfers are called "Preauthorized Transfers." Some of the services offered as preauthorized transfers are direct deposit of payroll, social security and other government payments, and automatic bill payment services. AUTOMATED TELLER MACHINE (ATMaddress on file) TRANSACTIONS• Payment for purchases from your checking account at places that have agreed to accept your ATM card MoneyLine Transactions: If we provide you have with access to your accounts through our MoneyLine audio response service, a debit card (which contains a Visa hologram); separate personal access code will be assigned to you. You can use your personal access code, along with a Personal Identification Number (PIN)your account number, you can use it to make any or all of access your accounts and perform the following transactions at any participating automated teller machine networks. Some transactions listed below may not be available to all networkstransactions: • Deposits to your Savings Account, Checking Account, and Money Market • Cash Check withdrawals from your Checking AccountGrizzly Saver, Junior Grizzly Saver, IMMA, Summer Pay, Classic Savings AccountsChecking, and Totally Gold Checking, Money Market Checking, Rebuild Checking, or HSA Checking • Transfer of funds (non-cash) Transfers between your Grizzly Saver, Junior Grizzly Saver, IMMA, Summer Pay, Classic Checking, Totally Gold Checking, Money Market Checking, Rebuild Checking, or HSA Checking • Transfers from your Classic Savings Accounts loan account to your Grizzly Saver, Junior Grizzly Saver, IMMA, Summer Pay, Classic Checking, Totally Gold Checking, Money Market Checking, Rebuild Checking, or HSA Checking Account; • Transfers from your Classic Savings Accounts checking account to make a loan payment • Transfers from your account to another account with us that you own or Checking to loan payment(s) own jointly with another member • Verify balances in Obtain balance information on specified savings, checking, or loan accounts that you have with us (these are not "electronic fund transfers") POINT OF SALE TRANSACTIONS (POS): Your card may be used to purchase goods or services from merchants who have arranged to accept us* • Determine if a debit card as a means of payment. If you have a particular item has cleared* • Determine savings and loan rates* Visa Debit Card, it may be used to Card and ATM Point-of-Sale Transactions: • Use of your ATM or Visa Debit Card when making a purchase of consumer goods and services from Visa merchants. These merchants are collectively referred to as "Participating Merchants" and will display a logo or other symbol that identifies them as a merchant who will accept uses the card in an electronic terminal is an electronic fund transfer. Funds to cover your card. Purchases made with our card, including any purchases where you receive cash back, are referred to as "point of sale" transactions or "POS" transactions. A POS will cause your Savings or Checking Account to be debited for the amount of the purchase. TELEPHONE AUDIO RESPONSE SERVICES (FAST): If you have an Access Code (PIN), you can also use it to make any and all of the following non-cash Electronic Fund Transfers using the Fast Access Audio Teller, (FAST), via a touch-tone phone: • Check withdrawals (which purchase will be mailed to your home) deducted from your savings or Checking Account(s) • Transfer an advance from your Line of Credit loan or Home Equity Line of Credit account • Transfers between Savings and Checking Account(s) • Transfers to your Christmas Club and Classic Savings Account(s) • Transfers from Savings and Checking Account(s) to make a loan payment In addition, you can use the Access Code to make any and all transactions (which are not electronic funds transfers) using the FAST audio response system via telephone. These include: • Balance inquiries on your Savings, Checking, Money Market, Christmas Club, IRAs and/or Certificate of Deposit (CD) accounts • Inquiries on loan balances, next loan payment due dates, amounts, and loan payoffs • Inquiries about checks that have cleared your account • Obtain a listing of your most recent transactions for any account(s) • Change your Access Code SERVICE LIMITATIONSchecking account.

Electronic Fund Transfer Services. At the present time, the following types of electronic fund transfers to or from your account(s) in the Credit Union may be authorized: Transfers TO your account(s) (credits): •  Deposit of payroll deductions from various employers that have agreed to send such deposits to us (contact us to see if your employer is one of them) •  Direct deposit of various governmental benefits •  Deposit(s) from any third party through the facilities of the Federal Reserve •  Automatic transfers to your account(s) from another person's account with us Transfers FROM your account(s) (debits): •  Automatic deduction from your account of premiums for insurance coverage available to our members •  Payments of your house mortgage payments, insurance payments and utility bills, as well as other types of payments to third parties, through the facilities of the Federal Reserve •  Telephone bill payment services •  Automatic transfers from your account(s) to another person's account with us •  Automatic transfers from your account(s) to make payments on another person's loan owed to us AUTOMATED CLEARING HOUSE TRANSFER SERVICES: We offer preauthorized EFT services through the Federal Reserve. We are able to electronically transfer available funds from your account(s) to accounts at other financial institutions or receive funds electronically from other financial institutions for deposit to your account. Because you must authorize such transfers in advance, these transfers are called "Preauthorized Transfers." Some of the services offered as preauthorized transfers are direct deposit of payroll, social security and other government payments, and automatic bill payment services. AUTOMATED TELLER MACHINE (ATM) TRANSACTIONS: If you have a debit card Debit Card (which contains a Visa MasterCard hologram); along with a Personal Identification Number (PIN), you can use it to make any or all of the following transactions at any participating automated teller machine networks. Some transactions listed below may not be available to all networks: •  Deposits to your Savings Saving Account, Checking Account, and Money Market •  Cash withdrawals from your Checking Account, Classic Savings Saving Accounts, and Money Market •  Transfer of funds (non-cash) from your Classic Savings Saving Accounts to your Checking Account; from your Classic Savings Saving Accounts or Checking to loan payment(s) •  Verify balances in specified savings, checkingChecking, or loan accounts that you have with us (these are not "electronic fund transfers") POINT OF SALE TRANSACTIONS (POSP.O.S.): Your card Card may be used to purchase goods or services from merchants who have arranged to accept a debit card an ATM/Debit Card as a means of paymentpayments. If you have a Visa Debit CardMasterCard, it may be used to purchase goods and services from Visa MasterCard merchants. These merchants are collectively referred to as "Participating Merchants" and will display a logo or other symbol that identifies them as a merchant who will accept your card. Purchases made with our cardCard, including any purchases where you receive cash back, are referred to as "point of sale" transactions or "POS" transactions. A POS will cause your Savings or Checking Account to be debited for the amount of the purchase. TELEPHONE AUDIO RESPONSE SERVICES (FAST): If you have an Access Code (PIN), you can also use it to make any and all of the following non-cash Electronic Fund Transfers using the Fast Access Audio Teller, (FAST), via a touch-tone phone: •  Check withdrawals (which will be mailed to your home) from your savings or Checking Account(s) •  Transfer an advance from your Line of Credit loan or Home Equity Line of Credit account •  Transfers between Savings savings and Checking Account(s) •  Transfers to your Christmas Club and Classic Savings Account(s) •  Transfers from Savings savings and Checking Account(s) to make a loan payment In addition, you can use the Access Code to make any and all transactions (which are not electronic funds transfers) using the FAST audio response system via telephone. These include: •  Balance inquiries on your Savingssavings, Checking, Money Market, Christmas Club, IRAs and/or Certificate of Deposit (CD) accounts •  Inquiries on loan balances, next loan payment due dates, amounts, and loan payoffs •  Inquiries about checks that have cleared your account •  Obtain a listing of your most recent transactions for any account(s) •  Change your Access Code SERVICE LIMITATIONS

Electronic Fund Transfer Services. At the present time, you can authorize the following types of "electronic fund transfers transfers" to or from your asset account(s) in the Credit Union may be authorizedcredit union: Transfers Transfer TO your account(s) (credits): • Deposit Deposits of payroll deductions from various employers that employers, which have agreed to send such deposits to us (contact us to see if your employer is one of them) ). • Direct deposit of various governmental government benefits such as but not limited to: Social Security pension, disability and survivorship payments (and S.S.I. benefits); Railroad Retirement Board benefits; Army, Navy, and Air Force retirement payments; Veterans Administration compensation payments; Air Force and Marine Corps active duty allotments. • Deposit(s) from any third party through the facilities of Payments Authority and/or the Federal Reserve National Automated ClearingHouse Association (of which we are a member). • Automatic Automated transfers to your account(s) from another person's account with us us. • Transfers to your account(s) from your other account(s) through our audio response OnlinE Banking or Electronic Bill Presentment programs. Transfer FROM your account(s) (debits): • Automatic deduction Deduction from your account of premiums for insurance coverage available to our members members. • Payments of your house mortgage payments, insurance payments and utility bills, as well as other types of payments to third parties, through the facilities of the Federal Reserve • Telephone bill payment services Payments Authority and/or the National Automated ClearingHouse Association. • Automatic transfers from your account(s) to another person's account with us us. • Automatic transfers from your account(s) to make payments on another person's loan owed owing to us AUTOMATED CLEARING HOUSE TRANSFER SERVICES: We offer preauthorized EFT services through the Federal Reserveus. We are able to electronically transfer available funds • Transfers from your account(s) to accounts at other financial institutions or receive funds electronically your sub-account(s) with us through our audio response, ONLINE Banking program. • Withdrawals from other financial institutions for deposit to your accountaccount(s) through our audio response program. Because you must authorize such transfers in advance, these transfers are called • Withdrawals from your account(s) through our "Preauthorized Transfers.bill pay" Some of the services offered as preauthorized transfers are direct deposit of payroll, social security program and other government payments, and automatic bill payment servicesONLINE Banking SYSTEM. AUTOMATED TELLER MACHINE (ATM) TRANSACTIONSAutomated Teller Machine Transactions: If you have a an ATM/debit card (for which contains we have issued a Visa hologram); along with a Personal Identification Number (PIN), you can use it to make any or all of the following transactions at any participating automated teller machine networks. network which is a part of an electronic funds transfer service network to which we belong as follows (Some transactions listed below may not be available to all networks: .): Electronic Fund Transfer Agreement and Check 21 Act Revised April 2021 xxxxx.xxx 231.946.7090 • Deposits to your Checking Account, Regular Savings Account, Checking AccountClub Accounts, and Money Market Account. • Cash withdrawals from your Checking Account, Classic Regular Savings Accounts, and Account or Money Market Account. • Transfer of funds Transfers (non-cash) from your Classic Savings Accounts Regular Share Account or Money Market Account to your Checking Account; Account or from your Classic Checking Account to your Regular Savings Accounts Account or Money Market Account or from your Money Market Account to your Regular Savings or Checking Account. • Advances from Loan Lines of Credit or Loan Payments to loan payment(s) all loans. • Verify balances in specified savings, checking, Regular Checking or loan Money Market accounts that you have with us us.* (these *These are not "electronic fund transfers") POINT OF SALE TRANSACTIONS (POS): Your card may be used to purchase goods or services from merchants who have arranged to accept a debit card as a means of payment. If you have a Visa Debit Card, it may be used to purchase goods and services from Visa merchants. These merchants are collectively referred to as "Participating Merchants" and will display a logo or other symbol that identifies them as a merchant who will accept your card. Purchases made with our card, including any purchases where you receive cash back, are referred to as "point of sale" transactions or "POS" transactions. A POS will cause your Savings or Checking Account to be debited for the amount of the purchase. TELEPHONE AUDIO RESPONSE SERVICES (FAST): If you have an Access Code (PIN.), you can also use it to make any and all of the following non-cash Electronic Fund Transfers using the Fast Access Audio Teller, (FAST), via a touch-tone phone: • Check withdrawals (which will be mailed to your home) from your savings or Checking Account(s) • Transfer an advance from your Line of Credit loan or Home Equity Line of Credit account • Transfers between Savings and Checking Account(s) • Transfers to your Christmas Club and Classic Savings Account(s) • Transfers from Savings and Checking Account(s) to make a loan payment In addition, you can use the Access Code to make any and all transactions (which are not electronic funds transfers) using the FAST audio response system via telephone. These include: • Balance inquiries on your Savings, Checking, Money Market, Christmas Club, IRAs and/or Certificate of Deposit (CD) accounts • Inquiries on loan balances, next loan payment due dates, amounts, and loan payoffs • Inquiries about checks that have cleared your account • Obtain a listing of your most recent transactions for any account(s) • Change your Access Code SERVICE LIMITATIONS

Electronic Fund Transfer Services. At the present time, you can authorize the following types of electronic fund transfers to or from your asset account(s) in the at OU Credit Union may be authorizedUnion: Transfers TO your account(sYour Account(s) (creditsCredits): • Direct Deposit of payroll deductions or net pay checks from various employers that have Michigan State University or Oakland University or any other employer who has agreed to send such deposits to us (contact us Contact your employer to see if your employer Direct Deposit of payroll deductions or net pay is one of themavailable.) • Direct deposit Deposit of various governmental benefits • Direct Deposit of pension payments • Deposit(s) or payment(s) from any third party through the Federal Reserve or the facilities of the Federal Reserve an automated clearing house association of which we are a member • Automatic transfers to your account(s) from the account of another person's account with us Transfers FROM , unless that other person is an immediate family member and the transfer was not requested by you • Transfer to your account(s) from your other asset or loan accounts that we make at your request via an overdraft line of credit, MoneyLine, ComputerLine, Gold on the Go mobile banking, or the OUCU Mobile app Transfers FROM Your Account(s) (debitsDebits): • Automatic deduction from your account of premiums for insurance coverage available to our members • Payments of your house Your home mortgage paymentspayment, insurance payments premiums, and utility bills, as well as other types of payments to third parties, through the Federal Reserve or the facilities of the Federal Reserve • Telephone bill payment services an automated clearing house association of which we are a member • Automatic transfers from your account(s) to the account of another person's account with us person who is not a member of your immediate family • Automatic transfers from your account(s) to make payments on to another person's loan owed ’s loan(s) owing to us AUTOMATED CLEARING HOUSE TRANSFER SERVICES: We offer preauthorized EFT services through the Federal Reserve. We are able to electronically transfer available funds • Transfers from your account(s) to your other asset or loan accounts that we make at other financial institutions your request or receive funds electronically through ATMs, MoneyLine, ComputerLine, Gold on the Go mobile banking, or the OUCU Mobile app • Withdrawals from other financial institutions for deposit your account(s) made by your telephone request (a check will be mailed to your account. Because you must authorize such transfers in advance, these transfers are called "Preauthorized Transfers." Some of the services offered as preauthorized transfers are direct deposit of payroll, social security and other government payments, and automatic bill payment services. AUTOMATED TELLER MACHINE (ATMaddress on file) TRANSACTIONS• Payment for purchases from your checking account at places that have agreed to accept your ATM card MoneyLine Transactions: If we provide you have with access to your accounts through our MoneyLine audio response service, a debit card (which contains a Visa hologram); separate Personal Access Code will be assigned to you. You can use your Personal Access Code along with a Personal Identification Number (PIN), you can use it your account number to make any or all of access your accounts and perform the following transactions at any participating automated teller machine networks. Some transactions listed below may not be available to all networkstransactions: • Deposits to your Savings Account, Checking Account, and Money Market • Cash Check withdrawals from your Checking AccountGrizzly Saver, Junior Grizzly Saver, IMMA, Summer Pay, Classic Savings AccountsChecking, and Totally Gold Checking, Money Market Checking, Rebuild Checking, or HSA Checking • Transfer of funds (non-cash) Transfers between your Grizzly Saver, Junior Grizzly Saver, IMMA, Summer Pay, Classic Checking, Totally Gold Checking, Money Market Checking, Rebuild Checking, or HSA Checking • Transfers from your Classic Savings Accounts loan account to your Grizzly Saver, Junior Grizzly Saver, IMMA, Summer Pay, Classic Checking, Totally Gold Checking, Money Market Checking, Rebuild Checking, or HSA Checking Account; • Transfers from your Classic Savings Accounts checking account to make a loan payment • Transfers from your account to another account with us that you own or Checking to loan payment(s) own jointly with another member • Verify balances in Obtain balance information on specified savings, checking, or loan accounts that you have with us (these are not "electronic fund transfers") POINT OF SALE TRANSACTIONS (POS): Your card may be used to purchase goods or services from merchants who have arranged to accept us* • Determine if a debit card as a means of payment. If you have a particular item has cleared* • Determine savings and loan rates* Visa Debit Card, it may be used to Card and ATM Point-of-Sale Transactions: • Use of your ATM or Visa Debit Card when making a purchase of consumer goods and services from Visa merchants. These merchants are collectively referred to as "Participating Merchants" and will display a logo or other symbol that identifies them as a merchant who will accept uses the card in an electronic terminal is an electronic fund transfer. Funds to cover your card. Purchases made with our card, including any purchases where you receive cash back, are referred to as "point of sale" transactions or "POS" transactions. A POS will cause your Savings or Checking Account to be debited for the amount of the purchase. TELEPHONE AUDIO RESPONSE SERVICES (FAST): If you have an Access Code (PIN), you can also use it to make any and all of the following non-cash Electronic Fund Transfers using the Fast Access Audio Teller, (FAST), via a touch-tone phone: • Check withdrawals (which purchase will be mailed to your home) deducted from your savings or Checking Account(s) • Transfer an advance from your Line of Credit loan or Home Equity Line of Credit account • Transfers between Savings and Checking Account(s) • Transfers to your Christmas Club and Classic Savings Account(s) • Transfers from Savings and Checking Account(s) to make a loan payment In addition, you can use the Access Code to make any and all transactions (which are not electronic funds transfers) using the FAST audio response system via telephone. These include: • Balance inquiries on your Savings, Checking, Money Market, Christmas Club, IRAs and/or Certificate of Deposit (CD) accounts • Inquiries on loan balances, next loan payment due dates, amounts, and loan payoffs • Inquiries about checks that have cleared your account • Obtain a listing of your most recent transactions for any account(s) • Change your Access Code SERVICE LIMITATIONSchecking account.

Electronic Fund Transfer Services. At the present time, the following types of electronic fund transfers to or from your account(s) in the Credit Union may be authorized: Transfers TO your account(s) (credits): • Deposit of payroll deductions from various employers that have agreed to send such deposits to us (contact us to see if your employer is one of them) • Direct deposit of various governmental benefits • Deposit(s) from any third party through the facilities of the Federal Reserve • Automatic transfers to your account(s) from another person's account with us Transfers FROM your account(s) (debits): • Automatic deduction from your account of premiums for insurance coverage available to our members • Payments of your house mortgage payments, insurance payments and utility bills, as well as other types of payments to third parties, through the facilities of the Federal Reserve • Telephone bill xxxx payment services • Automatic transfers from your account(s) to another person's account with us • Automatic transfers from your account(s) to make payments on another person's loan owed to us AUTOMATED CLEARING HOUSE TRANSFER SERVICES: We offer preauthorized EFT services through the Federal Reserve. We are able to electronically transfer available funds from your account(s) to accounts at other financial institutions or receive funds electronically from other financial institutions for deposit to your account. Because you must authorize such transfers in advance, these transfers are called "Preauthorized Transfers." Some of the services offered as preauthorized transfers are direct deposit of payroll, social security and other government payments, and automatic bill xxxx payment services. AUTOMATED TELLER MACHINE (ATM) TRANSACTIONS: If you have a debit card Debit Card (which contains a Visa MasterCard hologram); along with a Personal Identification Number (PIN), you can use it to make any or all of the following transactions at any participating automated teller machine networks. Some transactions listed below may not be available to all networks: • Deposits to your Savings Accountregular share account, Checking Accountsub-share account, checking account, and Money Market • Cash withdrawals from your Checking Accountchecking account, Classic Savings Accountsregular share account, and Money Market • Transfer of funds (non-cash) from your Classic Savings Accounts regular share account to your Checking Accountchecking account; from your Classic Savings Accounts regular share or Checking checking to loan payment(s) • Verify balances in specified savings, checking, or loan accounts that you have with us (these are not "electronic fund transfers") POINT OF SALE TRANSACTIONS (POSP.O.S.): Your card Card may be used to purchase goods or services from merchants who have arranged to accept a debit card an ATM/Debit Card as a means of paymentpayments. If you have a Visa Debit CardMasterCard, it may be used to purchase goods and services from Visa MasterCard merchants. These merchants are collectively referred to as "Participating Merchants" and will display a logo or other symbol that identifies them as a merchant who will accept your card. Purchases made with our cardCard, including any purchases where you receive cash back, are referred to as "point of sale" transactions or "POS" transactions. A POS will cause your Savings or Checking Account checking account to be debited for the amount of the purchase. TELEPHONE AUDIO RESPONSE SERVICES (FAST): If you have an Access Code (PIN), you can also use it to make any and all of the following non-cash Electronic Fund Transfers using the Fast Access Audio Teller, (FAST), via a touch-tone phone: • Check withdrawals (which will be mailed to your home) from your savings or Checking Account(schecking account(s) • Transfer an advance from your Line of Credit loan or Home Equity Line of Credit account • Transfers between Savings savings and Checking Account(schecking account(s) • Transfers to your Christmas Club and Classic Savings Account(ssub-savings account(s) • Transfers from Savings savings and Checking Account(schecking account(s) to make a loan payment In addition, you can use the Access Code to make any and all transactions (which are not electronic funds transfers) using the FAST audio response system via telephone. These include: • Balance inquiries on your Savingssavings, Checkingchecking, Money Market, Christmas Club, any sub-savings accounts, • IRAs and/or Certificate of Deposit (CD) accounts • Inquiries on loan balances, next loan payment due dates, amounts, and loan payoffs • Inquiries about checks that have cleared your account • Obtain a listing of your most recent transactions for any account(s) • Change your Access Code SERVICE LIMITATIONS