Common use of Electronic Fund Transfers Initiated By Third Parties Clause in Contracts

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third-party transfers will require you to provide the third party with your account number and financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: · Preauthorized credits - You may make arrangements for certain direct deposits (for example, from: U.S. Treasury, ABC Company, payroll deposits, retirement) to be accepted into your checking or savings. · Preauthorized payments - You may make arrangements to pay certain recurring bills from your checking, savings or Savings for loan payments with this bank. · 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. · Xxxxxxxxxx returned check charge - You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Telephone Banking transactions - types of transactions - You may access your account by telephone using your account number(s), personal identification number (PIN), social security number and touch tone phone to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG loan accounts · get balance information about checking, savings, certificate of deposit or PBG Loan Accounts · get withdrawal history about checking or savings · get deposit history about checking or savings · get transaction history about checking, savings or Loan payments You may access your account for telephone transactions at the following number(s) and during the following hours: · (000)000-0000 (24/7) PBG Visa Check Card ATM transactions - types of transactions - You may access your account(s) by ATM at ACCEL or PLUS using your PBG Visa Check Card and your personal identification number (PIN) (as applicable) to: · withdraw cash from checking or savings · transfer funds from checking or savings at an ATM to checking or savings at an ATM · make payments from checking to merchants (in person, online or via phone) or other financial institutions · get balance information about checking orsavings · ADVISORY AGAINST ILLEGAL USE: You agree not to use your card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Some of these services may not be available at all terminals. PBG Visa Check Card point-of-sale transactions - types of transactions - You may access your checking account(s) using your PBG Visa Check Card to do transactions that participating merchants will accept, including: · purchase goods in person, by phone, or online · pay for services in person, by phone, or online · get cash from a participating merchant or financial institution Currency Conversion and International Transactions - When you use your VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transactions/currency conversions is disclosed separately. An international transaction is a transaction where the country of the merchant is outside the USA. Advisory Against Illegal Use - You agree not to use your PBG Visa Check Card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in the jurisdiction in which you may be located. Non-Visa Debit Transaction Processing - We have enabled non-Visa debit transaction processing. This means you may use your PBG Visa Check Card on a PIN-Debit Network* (a non-Visa network) without using a PIN. The non-Visa debit network(s) for which such transactions are enabled are: ACCEL/Exchange Network. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your PBG Visa Check Card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. * Visa Rules generally define "PIN-Debit Network" as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. PBG Online - types of transfers - You may access your accounts at xxxxxxxxxxxxxxxxx.xxx and using your account number(s), personal identification number (PIN), social security number and Username and Password to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG Loan Accounts (Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately. You may use the CheckFree Online Bill Pay Service to arrange bill payments to merchants you set up and authorize. Bill Pay can be accessed through the PBG Online Internet Banking website. Depending on the merchants, some of these payments will be electronic but others will be issued a paper check. Popmoney is also available for person-to-person transfers.) · get balance information about checking, savings, certificate of deposit or PBG Loan Accounts · get transaction history about checking, savings, certificate of deposit or PBG Loan Account CheckFree Online Bill Pay Service - types of transfers - You may access this service by computer at xxx.xxxxxxxxxxxxxxxxx.xxx and using your user name and password and account number(s). You may also access this service by Smart phone, or other device, with internet access. and using the following for access: Username and Password. You may access this service to: · make payments from your checking account(s) to any third party that will accept prearranged payments (Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately.) · transfers to your account with another institution, · transfers from your account with another institution. · Transfers may be made person to person with through POPMoney. MOBILE ACCESS: PBOG MOBILITI Online Internet Banking and Bill Pay Services. - types of transfers - You may access your accounts remotely with your Cell phone or other mobile device with Internet Access. and using your Username, Password, Personal identification number (PIN), Responses to multifactor authentication questions and Account type descriptions. You may use this service to: · transfer funds from Checking or Savings to Checking or Savings · transfer funds from Checking or Savings to Loans · make payments from Checking or Savings to Checking or Savings · make payments from Checking or Savings to Loans (Payments made by paper check to specified payees (as disclosed separately) will NOT be subject to these Electronic Fund Transfers Rules.) · get balance information about checking, savings, certificate of deposit or Loans · get transaction history about checking, savings, certificate of deposit or Loans · Order checks · Make person to person transfers with the POP Money Solution Your mobile service provider's standard service fees, such as text message fees or similar charges, will apply to all transactions. Check with your service provider for information about these fees. Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers. ATM Operator/Network Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Limitations on frequency of transfers - In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Regular Savings, Money Market Deposit Accounts, and Super Money Market Deposit Accounts account(s): During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third-party transfers will require you to provide the third party with your account number and financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: · Preauthorized credits - You may make arrangements for certain direct deposits (for example, from: U.S. Treasury, ABC Company, payroll deposits, retirement) to be accepted into your checking or savings. · Preauthorized payments - You may make arrangements to pay certain recurring bills from your checking, savings or Savings for loan payments with this bank. · 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. · Xxxxxxxxxx returned check charge - You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Telephone Banking transactions - types of transactions - You may access your account by telephone using your account number(s), personal identification number (PIN), social security number and touch tone phone to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG loan accounts · get balance information about checking, savings, certificate of deposit or PBG Loan Accounts · get withdrawal history about checking or savings · get deposit history about checking or savings · get transaction history about checking, savings or Loan payments You may access your account for telephone transactions at the following number(s) and during the following hours: · (000)000-0000 (24/7) PBG Visa Check Card ATM transactions - types of transactions - You may access your account(s) by ATM at ACCEL or PLUS using your PBG Visa Check Card and your personal identification number (PIN) (as applicable) to: · withdraw cash from checking or savings · transfer funds from checking or savings at an ATM to checking or savings at an ATM · make payments from checking to merchants (in person, online or via phone) or other financial institutions · get balance information about checking orsavings or savings · ADVISORY AGAINST ILLEGAL USE: You agree not to use your card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Some of these services may not be available at all terminals. PBG Visa Check Card point-of-sale transactions - types of transactions - You may access your checking account(s) using your PBG Visa Check Card to do transactions that participating merchants will accept, including: · purchase goods in person, by phone, or online · pay for services in person, by phone, or online · get cash from a participating merchant or financial institution Currency Conversion and International Transactions - When you use your VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transactions/currency conversions is disclosed separately. An international transaction is a transaction where the country of the merchant is outside the USA. Advisory Against Illegal Use - You agree not to use your PBG Visa Check Card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in the jurisdiction in which you may be located. Non-Visa Debit Transaction Processing - We have enabled non-Visa debit transaction processing. This means you may use your PBG Visa Check Card on a PIN-Debit Network* (a non-Visa network) without using a PIN. The non-Visa debit network(s) for which such transactions are enabled are: ACCEL/Exchange Network. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your PBG Visa Check Card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. * Visa Rules generally define "PIN-Debit Network" as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. PBG Online - types of transfers - You may access your accounts at xxxxxxxxxxxxxxxxx.xxx and using your account number(s), personal identification number (PIN), social security number and Username and Password to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG Loan Accounts (Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately. You may use the CheckFree Online Bill Pay Service to arrange bill payments to merchants you set up and authorize. Bill Pay can be accessed through the PBG Online Internet Banking website. Depending on the merchants, some of these payments will be electronic but others will be issued a paper check. Popmoney is also available for person-to-person transfers.) · get balance information about checking, savings, certificate of deposit or PBG Loan Accounts · get transaction history about checking, savings, certificate of deposit or PBG Loan Account CheckFree Online Bill Pay Service - types of transfers - You may access this service by computer at xxx.xxxxxxxxxxxxxxxxx.xxx and using your user name and password and account number(s). You may also access this service by Smart phone, or other another device, with internet access. and using the following for access: Username and Password. You may access this service to: · make payments from your checking account(s) to any third party that will accept prearranged payments (Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately.) · transfers to your account with another institution, · transfers from your account with another institution. · Transfers may be made person to person-to-person with through POPMoneyZelle®. MOBILE ACCESS: PBOG MOBILITI Online Internet Banking and Bill Pay Services. - types of transfers - You may access your accounts remotely with your Cell phone or other mobile device with Internet Access. and using your Username, Password, Personal identification number (PIN), Responses to multifactor authentication questions and Account type descriptions. You may use this service to: · transfer funds from Checking or Savings to Checking or Savings · transfer funds from Checking or Savings to Loans · make payments from Checking or Savings to Checking or Savings · make payments from Checking or Savings to Loans (Payments made by paper check to specified payees (as disclosed separately) will NOT be subject to these Electronic Fund Transfers Rules.) · get balance information about checking, savings, certificate of deposit or Loans · get transaction history about checking, savings, certificate of deposit or Loans · Order checks · Make person to person transfers with the POP Money Solution Xxxxx*. Your mobile service provider's standard service fees, such as text message fees or similar charges, will apply to all transactions. Check with your service provider for information about these fees. Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers. ATM Operator/Network Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Limitations on frequency of transfers - In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Regular Savings, Money Market Deposit Accounts, and Super Money Market Deposit Accounts account(s): During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account Account and the third party's partyʼs account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (“ACH”) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an A third party may initiate electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third-party transfers will require you to provide the third party with your account Account number and financial institution bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution bank and account Account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: · Preauthorized credits - You may make arrangements for certain direct deposits (for example, from: U.S. Treasury, ABC Company, payroll deposits, retirement) to be accepted into your checking or savingsPayments. · Preauthorized payments - You may make arrangements to pay certain recurring bills from your checking, savings or Savings for loan payments with this bankAccount. · 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. · Xxxxxxxxxx returned check charge - You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Telephone Banking transactions - types of transactions - You may access your account by telephone using your account number(s), personal identification number (PIN), social security number and touch tone phone to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG loan accounts · get balance information about checking, savings, certificate of deposit or PBG Loan Accounts · get withdrawal history about checking or savings · get deposit history about checking or savings · get transaction history about checking, savings or Loan payments You may access your account for telephone transactions at the following number(s) and during the following hours: · (000)000-0000 (24/7) PBG Visa Check Card ATM transactions - types of transactions - You may access your account(s) by ATM at ACCEL or PLUS using your PBG Visa Check Card and your personal identification number (PIN) (as applicable) to: · withdraw cash from checking or savings · transfer funds from checking or savings at an ATM to checking or savings at an ATM · make payments from checking to merchants (in person, online or via phone) or other financial institutions · get balance information about checking orsavings · ADVISORY AGAINST ILLEGAL USE: You agree not to use your card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Some of these services may not be available at all terminals. PBG Visa Check Card point-of-sale transactions - types of transactions - You may access your checking account(s) using your PBG Visa Check Card to do transactions that participating merchants will accept, including: · purchase goods in person, by phone, or online · pay for services in person, by phone, or online · get cash from a participating merchant or financial institution Currency Conversion and International Transactions - When you use your VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transactions/currency conversions is disclosed separately. An international transaction is a transaction where the country of the merchant is outside the USA. Advisory Against Illegal Use - You agree not to use your PBG Visa Check Card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in the jurisdiction in which you may be located. Non-Visa Debit Transaction Processing - We have enabled non-Visa debit transaction processing. This means you may use your PBG Visa Check Card on a PIN-Debit Network* (a non-Visa network) without using a PIN. The non-Visa debit network(s) for which such transactions are enabled are: ACCEL/Exchange Network. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your PBG Visa Check Card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. * Visa Rules generally define "PIN-Debit Network" as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. PBG Online - types of transfers - You may access your accounts at xxxxxxxxxxxxxxxxx.xxx and using your account number(s), personal identification number (PIN), social security number and Username and Password to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG Loan Accounts (Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separatelyCard. You may use the CheckFree Online Bill Pay Service to arrange bill payments to merchants you set up and authorize. Bill Pay can be accessed through the PBG Online Internet Banking website. Depending on the merchants, some of these payments will be electronic but others will be issued a paper check. Popmoney is also available for person-to-person transfers.) · get balance information about checking, savings, certificate of deposit make purchases or PBG Loan Accounts · get transaction history about checking, savings, certificate of deposit or PBG Loan Account CheckFree Online Bill Pay Service - types of transfers - You may access this service by computer at xxx.xxxxxxxxxxxxxxxxx.xxx and other transactions using your user name and password and account number(s)Card at merchants that have agreed to accept the Card. ATM Withdrawals. You may also access this service by Smart phone, make ATM withdrawals using your Card. Transfers to or other device, with internet access. and using the following for access: Username and Password. from Linked Account You may access this service to: · make payments transfer to or from your checking account(s) Account to any third party that will accept prearranged payments (Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately.) · transfers to your a linked bank account with another institution, · transfers from your account with another institution. · Transfers may be made person to person with through POPMoney. MOBILE ACCESS: PBOG MOBILITI Online Internet Banking and Bill Pay Services. - types of transfers - You may access your accounts remotely with your Cell phone or other mobile device with Internet Access. and using your Username, Password, Personal identification number (PIN), Responses to multifactor authentication questions and Account type descriptions. You may use this service to: · transfer funds from Checking or Savings to Checking or Savings · transfer funds from Checking or Savings to Loans · make payments from Checking or Savings to Checking or Savings · make payments from Checking or Savings to Loans (Payments made by paper check to specified payees (as disclosed separately) will NOT be subject to these Electronic Fund Transfers Rules.) · get balance information about checking, savings, certificate of deposit or Loans · get transaction history about checking, savings, certificate of deposit or Loans · Order checks · Make person to person transfers with the POP Money Solution Your mobile service provider's standard service fees, such as text message fees or similar charges, will apply to all transactions. Check with your service provider for information about these fees. Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers. ATM Operator/Network Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer)Mobile App. Limitations on frequency ETFs There are limitations on the frequency, number and amount of transfers - transactions you can make to or from your Account. These limits are different for each type of transaction. For limits that apply to transactions that credit or deposit funds into your Account, please refer to the section titled “Deposits” above. For limits that apply to transactions that debit or withdraw from your Account, please refer to the section titled “Withdrawals” above. These limits are designed to be flexible in order to protect the security and integrity of the service and accounts, including protecting you and all other users of the service. These limitations may be based on confidential fraud and risk criteria that are essential to our management of risk and the protection of you and the integrity of the service and may be modified at our sole discretion without advance notice. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Regular Savingsapply: ● For security reasons, Money Market Deposit Accountsthere are other limits on the number of transfers you can make by ATM. ● For security reasons, and Super Money Market Deposit Accounts account(s): During any calendar month or statement cycle there are other limits on the number of at least four weekstransfers you can make by Card. ● For security reasons, there are other limits on the number of transfers you may not can make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institutionMobile App.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party's account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third-party transfers will require you to provide the third party with your account number and financial institution information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: · Preauthorized credits - You may make arrangements for certain direct deposits (for example, from: U.S. Treasury, ABC Company, payroll deposits, retirement) to be accepted into your checking or savings. · Preauthorized payments - You may make arrangements to pay certain recurring bills from your checking, savings or Savings for loan payments with this bank. · 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. · Xxxxxxxxxx returned check charge - You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Telephone Banking transactions - types of transactions - You may access your account by telephone using your account number(s), personal identification number (PIN), social security number and touch tone phone to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG loan accounts · get balance information about checking, savings, certificate of deposit or PBG Loan Accounts · get withdrawal history about checking or savings · get deposit history about checking or savings · get transaction history about checking, savings or Loan payments You may access your account for telephone transactions at the following number(s) and during the following hours: · (000)000-0000 (24/7) PBG Visa Check Card ATM transactions - types of transactions - You may access your account(s) by ATM at ACCEL or PLUS using your PBG Visa Check Card and your personal identification number (PIN) (as applicable) to: · withdraw cash from checking or savings · transfer funds from checking or savings at an ATM to checking or savings at an ATM · make payments from checking to merchants (in person, online or via phone) or other financial institutions · get balance information about checking orsavings or savings · ADVISORY AGAINST ILLEGAL USE: You agree not to use your card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Some of these services may not be available at all terminals. PBG Visa Check Card point-of-sale transactions - types of transactions - You may access your checking account(s) using your PBG Visa Check Card to do transactions that participating merchants will accept, including: · purchase goods in person, by phone, or online · pay for services in person, by phone, or online · get cash from a participating merchant or financial institution Currency Conversion and International Transactions - When you use your VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transactions/currency conversions is disclosed separately. An international transaction is a transaction where the country of the merchant is outside the USA. Advisory Against Illegal Use - You agree not to use your PBG Visa Check Card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in the jurisdiction in which you may be located. Non-Visa Debit Transaction Processing - We have enabled non-Visa debit transaction processing. This means you may use your PBG Visa Check Card on a PIN-Debit Network* (a non-Visa network) without using a PIN. The non-Visa debit network(s) for which such transactions are enabled are: ACCEL/Exchange Network. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your PBG Visa Check Card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. * Visa Rules generally define "PIN-Debit Network" as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. PBG Online - types of transfers - You may access your accounts at xxxxxxxxxxxxxxxxx.xxx and using your account number(s), personal identification number (PIN), social security number and Username and Password to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG Loan Accounts (Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately. You may use the CheckFree Online Bill Pay Service to arrange bill payments to merchants you set up and authorize. Bill Pay can be accessed through the PBG Online Internet Banking website. Depending on the merchants, some of these payments will be electronic but others will be issued a paper check. Popmoney is also available for person-to-person transfers.) · get balance information about checking, savings, certificate of deposit or PBG Loan Accounts · get transaction history about checking, savings, certificate of deposit or PBG Loan Account CheckFree Online Bill Pay Service - types of transfers - You may access this service by computer at xxx.xxxxxxxxxxxxxxxxx.xxx and using your user name and password and account number(s). You may also access this service by Smart phone, or other another device, with internet access. and using the following for access: Username and Password. You may access this service to: · make payments from your checking account(s) to any third party that will accept prearranged payments payments. (Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately.) · transfers to your account with another institution, · transfers from your account with another institution. · Transfers may be made person to person-to-person with through POPMoneyZelle®. MOBILE ACCESS: PBOG MOBILITI Online Internet Banking and Bill Pay Services. - types of transfers - You may access your accounts remotely with your Cell phone or other mobile device with Internet Access. and using your Username, Password, Personal identification number (PIN), Responses to multifactor authentication questions and Account type descriptions. You may use this service to: · transfer funds from Checking or Savings to Checking or Savings · transfer funds from Checking or Savings to Loans · make payments from Checking or Savings to Checking or Savings · make payments from Checking or Savings to Loans (Payments made by paper check to specified payees (as disclosed separately) will NOT be subject to these Electronic Fund Transfers Rules.) · get balance information about checking, savings, certificate of deposit or Loans · get transaction history about checking, savings, certificate of deposit or Loans · Order checks · Make person to person transfers with the POP Money Solution Xxxxx*. Your mobile service provider's standard service fees, such as text message fees or similar charges, will apply to all transactions. Check with your service provider for information about these fees. Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers. ATM Operator/Network Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Limitations on frequency of transfers - In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Regular Savings, Money Market Deposit Accounts, and Super Money Market Deposit Accounts account(s): During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account Account and the third party's ’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (“ACH”) or other payments networkpayment networks. Your authorization to the third party to make these transfers can may occur in a number of ways. For exampleIn some cases, your authorization to convert a check to an electronic fund transfer or to electronically pay a returned check charge can occur when a the merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post posts a sign and print the notice on a receipt)informing you of their policy. In all cases, these third-party transfers the transactions will require you to provide the third party with your account Account number and financial institution Credit Union information. This information can be found on your check as well as on a deposit or withdrawal slipchecks. Thus, you You should only provide your financial institution Credit Union and account Account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: · Preauthorized • Pre-authorized credits - – You may make arrangements for certain direct deposits (for example, from: U.S. Treasury, ABC Company, payroll deposits, retirement) to be accepted into your checking or savingssavings Accounts. · Preauthorized • Pre-authorized payments - – You may make arrangements to pay certain recurring bills from your checking, checking or savings or Savings for loan payments with this bankAccounts. · • Electronic check conversion - – You may authorize provide your check to a merchant or service provider who will scan the check for the encoded Credit Union and Account information. The merchant or service provider will then use this information to convert the transaction into an electronic fund transfer. This may occur at the point of purchase, or when you provide your check by other payee means such as by mail or drop box. • Electronic check conversion by the Credit Union – When you provide a check as payment, you authorize us either to make a one-time electronic payment from your checking account using use information from your check to pay for purchases make a one- time electronic fund transfer from your account or pay billsto process the payment as a check transaction. · Xxxxxxxxxx When we use information from your check to make an electronic fund transfer, funds may be withdrawn from your account as soon as the same day you make your payment, and you will not receive your check back. A check or electronic entry may be represented if returned unpaid. • Electronic returned check charge - You – The Credit Union and some merchants or service providers may authorize a merchant or other payee to initiate an electronic funds fund transfer to collect a charge in the event a check is returned for insufficient funds. Telephone Banking transactions - types of transactions - You may access your account by telephone using your account number(s), personal identification number (PIN), social security number and touch tone phone to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG loan accounts · get balance information about checking, savings, certificate of deposit or PBG Loan Accounts · get withdrawal history about checking or savings · get deposit history about checking or savings · get transaction history about checking, savings or Loan payments You may access your account for telephone transactions at the following number(s) and during the following hours: · (000)000-0000 (24/7) PBG Visa Check Card ATM transactions - types of transactions - You may access your account(s) by ATM at ACCEL or PLUS using your PBG Visa Check Card and your personal identification number (PIN) (as applicable) to: · withdraw cash from checking or savings · transfer funds from checking or savings at an ATM to checking or savings at an ATM · make payments from checking to merchants (in person, online or via phone) or other financial institutions · get balance information about checking orsavings · ADVISORY AGAINST ILLEGAL USE: You agree not to use your card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Some of these services may not be available at all terminals. PBG Visa Check Card point-of-sale transactions - types of transactions - You may access your checking account(s) using your PBG Visa Check Card to do transactions that participating merchants will accept, including: · purchase goods in person, by phone, or online · pay for services in person, by phone, or online · get cash from a participating merchant or financial institution Currency Conversion and International Transactions - When you use your VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transactions/currency conversions is disclosed separately. An international transaction is a transaction where the country of the merchant is outside the USA. Advisory Against Illegal Use - You agree not to use your PBG Visa Check Card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in the jurisdiction in which you may be located. Non-Visa Debit Transaction Processing - We have enabled non-Visa debit transaction processing. This means you may use your PBG Visa Check Card on a PIN-Debit Network* (a non-Visa network) without using a PIN. The non-Visa debit network(s) for which such transactions are enabled are: ACCEL/Exchange Network. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your PBG Visa Check Card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. * Visa Rules generally define "PIN-Debit Network" as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. PBG Online - types of transfers - You may access your accounts at xxxxxxxxxxxxxxxxx.xxx and using your account number(s), personal identification number (PIN), social security number and Username and Password to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG Loan Accounts (Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately. You may use the CheckFree Online Bill Pay Service to arrange bill payments to merchants you set up and authorize. Bill Pay can be accessed through the PBG Online Internet Banking website. Depending on the merchants, some of these payments will be electronic but others will be issued a paper check. Popmoney is also available for person-to-person transfers.) · get balance information about checking, savings, certificate of deposit or PBG Loan Accounts · get transaction history about checking, savings, certificate of deposit or PBG Loan Account CheckFree Online Bill Pay Service - types of transfers - You may access this service by computer at xxx.xxxxxxxxxxxxxxxxx.xxx and using your user name and password and account number(s). You may also access this service by Smart phone, or other device, with internet access. and using the following for access: Username and Password. You may access this service to: · make payments from your checking account(s) to any third party that will accept prearranged payments (Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately.) · transfers to your account with another institution, · transfers from your account with another institution. · Transfers may be made person to person with through POPMoney. MOBILE ACCESS: PBOG MOBILITI Online Internet Banking and Bill Pay Services. - types of transfers - You may access your accounts remotely with your Cell phone or other mobile device with Internet Access. and using your Username, Password, Personal identification number (PIN), Responses to multifactor authentication questions and Account type descriptions. You may use this service to: · transfer funds from Checking or Savings to Checking or Savings · transfer funds from Checking or Savings to Loans · make payments from Checking or Savings to Checking or Savings · make payments from Checking or Savings to Loans (Payments made by paper check to specified payees (as disclosed separately) will NOT be subject to these Electronic Fund Transfers Rules.) · get balance information about checking, savings, certificate of deposit or Loans · get transaction history about checking, savings, certificate of deposit or Loans · Order checks · Make person to person transfers with the POP Money Solution Your mobile service provider's standard service fees, such as text message fees or similar charges, will apply to all transactions. Check with your service provider for information about these fees. Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers. ATM Operator/Network Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Limitations on frequency of transfers - In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Regular Savings, Money Market Deposit Accounts, and Super Money Market Deposit Accounts account(s): During any calendar month or statement cycle of at least four weeks, you may not make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institution.

Electronic Fund Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account Account and the third party's ’s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (“ACH”) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check to an A third party may initiate electronic fund transfer or to electronically pay a returned check charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third-party transfers will require you to provide the third party with your account Account number and financial institution bank information. This information can be found on your check as well as on a deposit or withdrawal slip. Thus, you should only provide your financial institution bank and account Account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: · Preauthorized credits - You may make arrangements for certain direct deposits (for example, from: U.S. Treasury, ABC Company, payroll deposits, retirement) to be accepted into your checking or savingsPayments. · Preauthorized payments - You may make arrangements to pay certain recurring bills from your checking, savings or Savings for loan payments with this bankAccount. · Electronic check conversion - You may authorize a merchant or other payee If you have told us in advance to make a oneregular payments out of your Account, you can stop any of these payments by (1) contact us through the App, (2) writing us at [ADDRESS], or (3) emailing us at xxxxxxx@xxxxxxxx.xxx in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within fourteen (14) days after you call. We will charge you [insert amount] for each stop-time electronic payment from your checking account using information from your check order you give.If these regular payments may vary in amount, the person you are going to pay for purchases or pay billswill tell you, ten (10) days before each payment, when it will be made and how much it will be. · Xxxxxxxxxx returned check charge - You may authorize a merchant or other payee If you order us to initiate an electronic funds transfer to collect a charge in the event a check is returned for insufficient funds. Telephone Banking transactions - types of transactions - You may access your account by telephone using your account number(s), personal identification number (PIN), social security number and touch tone phone to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG loan accounts · get balance information about checking, savings, certificate of deposit or PBG Loan Accounts · get withdrawal history about checking or savings · get deposit history about checking or savings · get transaction history about checking, savings or Loan payments You may access your account for telephone transactions at the following number(s) and during the following hours: · (000)000-0000 (24/7) PBG Visa Check Card ATM transactions - types of transactions - You may access your account(s) by ATM at ACCEL or PLUS using your PBG Visa Check Card and your personal identification number (PIN) (as applicable) to: · withdraw cash from checking or savings · transfer funds from checking or savings at an ATM to checking or savings at an ATM · make payments from checking to merchants (in person, online or via phone) or other financial institutions · get balance information about checking orsavings · ADVISORY AGAINST ILLEGAL USE: You agree not to use your card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Some stop one of these services may payments three (3) business days or more before the transfer is scheduled, and we do not be available at all terminals. PBG Visa Check Card point-of-sale transactions - types of transactions - You may access your checking account(s) using your PBG Visa Check Card to do transactions that participating merchants will acceptso, including: · purchase goods in person, by phone, or online · pay for services in person, by phone, or online · get cash from a participating merchant or financial institution Currency Conversion and International Transactions - When you use your VISA(R) debit card at a merchant that settles in currency other than US dollars, the charge we will be converted into the US dollar amountliable for your losses or damages. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated rate in effect for the applicable central processing date. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a .8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. The fee we charge you for international transactions/currency conversions is disclosed separately. An international transaction is a transaction where the country of the merchant is outside the USA. Advisory Against Illegal Use - You agree not to use your PBG Visa Check Card for illegal gambling or other illegal purposes. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in the jurisdiction in which you may be located. Non-Visa Debit Transaction Processing - We have enabled non-Visa debit transaction processing. This means you may use your PBG Visa Check Card on a PIN-Debit Network* (a non-Visa network) without using a PIN. The non-Visa debit network(s) for which such transactions are enabled are: ACCEL/Exchange Network. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your PBG Visa Check Card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN. The provisions of your agreement with us relating only to Visa transactions are not applicable to non-Visa transactions. For example, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. * Visa Rules generally define "PIN-Debit Network" as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. PBG Online - types of transfers - You may access your accounts at xxxxxxxxxxxxxxxxx.xxx and using your account number(s), personal identification number (PIN), social security number and Username and Password to: · transfer funds from checking or savings to checking or savings · make payments from checking or savings to PBG Loan Accounts (Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separatelyCard. You may use the CheckFree Online Bill Pay Service to arrange bill payments to merchants you set up and authorize. Bill Pay can be accessed through the PBG Online Internet Banking website. Depending on the merchants, some of these payments will be electronic but others will be issued a paper check. Popmoney is also available for person-to-person transfers.) · get balance information about checking, savings, certificate of deposit make purchases or PBG Loan Accounts · get transaction history about checking, savings, certificate of deposit or PBG Loan Account CheckFree Online Bill Pay Service - types of transfers - You may access this service by computer at xxx.xxxxxxxxxxxxxxxxx.xxx and other transactions using your user name and password and account number(s)Card at merchants that have agreed to accept the Card. ATM Withdrawals. You may also access this service by Smart phone, make ATM withdrawals using your Card. Transfers to or other device, with internet access. and using the following for access: Username and Password. from Linked Account You may access this service to: · make payments transfer to or from your checking account(s) Account to any third party that will accept prearranged payments (Some payments made by paper check will not be subject to this Electronic Fund Transfers disclosure, as disclosed separately.) · transfers to your a linked bank account with another institution, · transfers from your account with another institution. · Transfers may be made person to person with through POPMoney. MOBILE ACCESS: PBOG MOBILITI Online Internet Banking and Bill Pay Services. - types of transfers - You may access your accounts remotely with your Cell phone or other mobile device with Internet Access. and using your Username, Password, Personal identification number (PIN), Responses to multifactor authentication questions and Account type descriptions. You may use this service to: · transfer funds from Checking or Savings to Checking or Savings · transfer funds from Checking or Savings to Loans · make payments from Checking or Savings to Checking or Savings · make payments from Checking or Savings to Loans (Payments made by paper check to specified payees (as disclosed separately) will NOT be subject to these Electronic Fund Transfers Rules.) · get balance information about checking, savings, certificate of deposit or Loans · get transaction history about checking, savings, certificate of deposit or Loans · Order checks · Make person to person transfers with the POP Money Solution Your mobile service provider's standard service fees, such as text message fees or similar charges, will apply to all transactions. Check with your service provider for information about these fees. Limits and fees - Please refer to our fee disclosure for information about fees and limitations that may apply to these electronic fund transfers. ATM Operator/Network Fees - When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer)Mobile App. Limitations on frequency ETFs There are limitations on the frequency, number and amount of transfers - transactions you can make to or from your Account. These limits are different for each type of transaction. For limits that apply to transactions that credit or deposit funds into your Account, please refer to the section titled “Deposits” above. For limits that apply to transactions that debit or withdraw from your Account, please refer to the section titled “Withdrawals” above. These limits are designed to be flexible in order to protect the security and integrity of the service and accounts, including protecting you and all other users of the service. These limitations may be based on confidential fraud and risk criteria that are essential to our management of risk and the protection of you and the integrity of the service and may be modified at our sole discretion without advance notice. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply to your Regular Savingsapply: ● For security reasons, Money Market Deposit Accountsthere are other limits on the number of transfers you can make by ATM. ● For security reasons, and Super Money Market Deposit Accounts account(s): During any calendar month or statement cycle there are other limits on the number of at least four weekstransfers you can make by Card. ● For security reasons, there are other limits on the number of transfers you may not can make more than six withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction. No more than six transfers may be made by check, draft, debit card (if applicable) or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account will be subject to closure by the financial institutionMobile App.