Common use of ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Clause in Contracts

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Preauthorized Credits- You may make arrangements for certain direct deposits to be accepted into your share draft, share saving or loan account(s). Preauthorized Payments- You may make arrangements to pay certain recurring bills from your share draft or share savings account (s). Electronic Check or Draft Conversion- types of transfers- Your check or draft can result in an electronic funds transfer. This can happen in several ways. For example: • You can purchase goods or pay for services and authorize a merchant or service provider to convert your check or draft into an electronic funds transfer. • At the time you offer a check or draft to a merchant or service provider, you may be asked to authorize the merchant or service provider to electronically collect a charge in the event the check or draft is returned for insufficient funds. Paying such a fee electronically is an electronic funds transfer. Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through the posting of a sign. Telephone Transfers- types of transfers- You may access your account by telephone 24 hours a day at 000-000-0000 using your personal identification number, a touch tone phone, and your account number, to: • Transfer funds from share draft to share draft • Transfer funds from share draft to share savings • Transfer funds from shave savings to share draft • Transfer funds from share savings to share savings • Transfer funds from line of credit to share draft • Transfer funds from line of credit to share savings • Make payments from share draft to loan accounts with us • Make payments from share savings to loan accounts with us • Get information about: o The account balance of share draft accounts o The last twelve months deposits to share draft accounts o The last twelve months withdrawals from share draft accounts o The account balance of share savings accounts o The last twenty-four months deposits to share savings accounts o The last twenty-four months withdrawals from share savings accounts ATM Transfers- types of transfers, dollar limitations, and charges- You may access your account(s) by ATM using your Debit/ATM Access Card and personal identification number, to: • Make deposits to share draft account(s) with a debit card • Make deposits to share savings account(s) with a debit card • Get cash withdrawals from share draft account(s) with a debit card o You may withdraw no more than $500.00 per day (some ATM’s may have separate transaction limits) • Second Chance Checking members may withdraw no more than $200 per day. o There is a charge of $1.00 per transaction after the first five free per month • Get cash withdrawals from share savings account(s) with a debit card o You may withdraw no more than $500.00 per day (some ATM’s may separate transaction limits) • Second Chance Checking members may withdraw no more than $200 per day. o There is a charge of $1.00 per transaction after the first five free per month • Transfer funds from share savings to share draft account(s) with a debit card • Transfer funds from share draft to share savings account(s) with a debit card Some of these services may not be available at all terminals. Types of Debit/ATM Access Card Point-of-Sale Transactions- You may access your share draft account(s) to purchase goods (in person, by phone, or online), pay for services (in person, by phone, or online), and do anything that you can do with a credit card (that a participating merchant will accept with a credit card). Point-of-Sale Transactions- charges- Using your card: • The charge for your card (whether or not the card is used in the period) is $10.00 per year. Currency Conversion- When you use your VISA Debit/ATM 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 wholesale market rate or the government mandated rate in effect the day before the processing date, increased by 1%. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. Non-Visa Debit Transaction Processing We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit 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: Star. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit 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. Advisory Against Illegal Use- You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, and online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. It’sMe247 Online Banking Computer Transfers- types of transfers- You may access your account(s) by computer or mobile device through the internet by logging onto our website at xxx.xxxxxxxx.xxx and using your username, password and security question, to: • Transfer funds from share draft to share draft • Transfer funds from share draft to share savings • Transfer funds from shave savings to share draft • Transfer funds share savings to share savings • Transfer funds from line of credit to share draft • Transfer funds from line of credit to share savings • Make payments from share draft to loan accounts with us • Make payments from share savings to loan accounts with us • Get information about: o The account balance of share draft accounts o The last twelve months deposits to share draft accounts o The last twelve months withdrawals from share draft accounts o The account balance of share savings accounts o The last twenty-four months deposits to share savings accounts o The last twenty-four months withdrawals from share savings accounts FEES • We do not charge for direct deposit to any type of account. • We do not charge for preauthorized payments from any type of account Except as indicated elsewhere, we do not charge for 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).

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Preauthorized Credits- You may make arrangements for certain direct deposits to be accepted into your share draft, share saving or loan account(s). Preauthorized Payments- You may make arrangements to pay certain recurring bills from your share draft or share savings account (s). Electronic Check or Draft Conversion- types of transfers- Your check or draft can result in an electronic funds transfer. This can happen in several ways. For example: • You can purchase goods or pay for services and authorize a merchant or service provider to convert your check or draft into an electronic funds transfer. • At the time you offer a check or draft to a merchant or service provider, you may be asked to authorize the merchant or service provider to electronically collect a charge in the event the check or draft is returned for insufficient funds. Paying such a fee electronically is an electronic funds transfer. Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through the posting of a sign. Telephone Transfers- types of transfers- You may access your account by telephone 24 hours a day at 000-000-0000 using your personal identification number, a touch tone phone, and your account number, to: • Transfer funds from share draft to share draft • Transfer funds from share draft to share savings • Transfer funds from shave share savings to share draft • Transfer funds from share savings to share savings • Transfer funds from line of credit to share draft • Transfer funds from line of credit to share savings • Make payments from share draft to loan accounts with us • Make payments from share savings to loan accounts with us • Get information about: o The account balance of share draft accounts o The last twelve months deposits to share draft accounts o The last twelve months withdrawals from share draft accounts o The account balance of share savings accounts o The last twenty-four months deposits to share savings accounts o The last twenty-four months withdrawals from share savings accounts ATM Transfers- types of transfers, dollar limitations, and charges- You may access your account(s) by ATM using your Debit/ATM Access Card and personal identification number, to: • Make deposits to share draft account(s) with a debit card • Make deposits to share savings account(s) with a debit card • Get cash withdrawals from share draft account(s) with a debit card o You may withdraw no more than $500.00 3000 per day (some ATM’s may have separate transaction limits) • Second Chance Checking members may withdraw no more than $200 750 per day. o There is a charge of $1.00 per transaction after the first five free per month • Get cash withdrawals from share savings account(s) with a debit card o You may withdraw no more than $500.00 3000 per day (some ATM’s may separate transaction limits) • Second Chance Checking members may withdraw no more than $200 750 per day. o There is a charge of $1.00 per transaction after the first five free per month • Transfer funds from share savings to share draft account(s) with a debit card • Transfer funds from share draft to share savings account(s) with a debit card Some of these services may not be available at all terminals. Types of Debit/ATM Access Card Point-of-Sale Transactions- You may access your share draft account(s) to purchase goods (in person, by phone, or online), pay for services (in person, by phone, or online), and do anything that you can do with a credit card (that a participating merchant will accept with a credit card). Point-of-Sale Transactions- charges- Using your card: • The charge for your card (whether or not the card is used in the period) is $10.00 per year. Currency Conversion- When you use your VISA Debit/ATM 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 wholesale market rate or the government mandated rate in effect the day before the processing date, increased by 1%. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. Non-Visa Debit Transaction Processing We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit 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: Star. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-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. Advisory Against Illegal Use- You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, and online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. It’sMe247 Online Banking Computer Transfers- types of transfers- You may access your account(s) by computer or mobile device through the internet by logging onto our website at xxx.xxxxxxxx.xxx or mobile app and using your username, password and security question, to: • Transfer funds from share draft to share draft • Transfer funds from share draft to share savings • Transfer funds from shave savings to share draft • Transfer funds share savings to share savings • Transfer funds from line of credit to share draft • Transfer funds from line of credit to share savings • Make payments from share draft to loan accounts with us • Make payments from share savings to loan accounts with us • Get information about: o The account balance of share draft accounts o The last twelve months deposits to share draft accounts o The last twelve months withdrawals from share draft accounts o The account balance of share savings accounts o The last twenty-four months deposits to share savings accounts o The last twenty-four months withdrawals from share savings accounts FEES • We do not charge for direct deposit to any type of account. • We do not charge for preauthorized payments from any type of account • Please refer to our separate fee schedule for additional information about charges Except as indicated elsewhere, we do not charge for 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).

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Preauthorized Credits- credits- You may make arrangements for certain direct deposits (such as US Treasury, Auto-Owners Insurance, or State of Michigan) to be accepted into your share draft, draft or share saving or loan savings account(s). Preauthorized Payments- payments- You may make arrangements to pay certain recurring bills from your share draft or share savings account (saccount(s). Electronic Check check or Draft Conversion- draft conversion - types of transfers- transfers - Your check or draft can result in an electronic funds transfer. This can happen in several ways. For example: •  You can purchase goods or pay for services and authorize a merchant or service provider to convert your check or draft into an electronic funds transfer. •  At the time you offer a check or draft to a merchant or service provider, you may be asked to authorize the merchant or service provider to electronically collect a charge in the event the check or draft is returned for insufficient funds. Paying such a fee electronically is an electronic funds transfer. transfer  Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through the posting of a sign. Telephone Transfers- types of transfers- Account Transfers - You may access your account by telephone 24 hours a day at 000-000-0000 through CU Talk and/or Its Me 000.xxx to:  Transfer funds between your account(s)  Get information about recent transactions that have posted to your account(s) Your Option to Limit Cash Withdrawals - In addition to dollar amount limitations for withdrawals using your personal identification numberATM and/or debit card that we may establish, a touch tone phone, and you have the option to limit the amount of cash that can be withdrawn by your account number, to: • Transfer funds from share draft ATM and/or debit card $50.00 per day or some other amount acceptable to share draft • Transfer funds from share draft to share savings • Transfer funds from shave savings to share draft • Transfer funds from share savings to share savings • Transfer funds from line of credit to share draft • Transfer funds from line of credit to share savings • Make payments from share draft to loan accounts with us • Make payments from share savings to loan accounts with us • Get information about: o The account balance of share draft accounts o The last twelve months deposits to share draft accounts o The last twelve months withdrawals from share draft accounts o The account balance of share savings accounts o The last twenty-four months deposits to share savings accounts o The last twenty-four months withdrawals from share savings accounts us. ATM Transfers- Transfers - types of transfers, dollar limitations, and charges- transfers - You may access your account(s) by ATM using your Debit/ATM Access Card and personal identification number, card and/or debit card number to: •  Make deposits to share draft into or withdrawals from your account(s) with a debit card • Make deposits to share savings  Transfer funds between your account(s) with a debit card • Get cash withdrawals from share draft account(s) with a debit card o You may withdraw no more than $500.00 per day (some ATM’s may have separate transaction limits) • Second Chance Checking members may withdraw no more than $200 per day. o There is a charge of $1.00 per transaction after the first five free per month • Get cash withdrawals from share savings account(s) with a debit card o You may withdraw no more than $500.00 per day (some ATM’s may separate transaction limits) • Second Chance Checking members may withdraw no more than $200 per day. o There is a charge of $1.00 per transaction after the first five free per month • Transfer funds from share savings to share draft account(s) with a debit card • Transfer funds from share draft to share savings account(s) with a debit card Some of these services may not be available at all terminals. Types of Debit/ATM Access Card Point-of-Sale Transactions- Transactions - You may access your share draft account(s) account to purchase goods (in person, by phone, or online), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution. Types of Debit Card Point-of-Sale Transactions - You may access your share draft account to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or online)from a participating financial institution, and do anything that you can do with a credit card (that a participating merchant will accept with a credit card). Point-of-Sale Transactions- charges- Using your card: • The charge for your card (whether or not the card is used in the period) is $10.00 per year. Currency Conversion- When you use your VISA Debit/ATM 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 wholesale market rate or the government mandated rate in effect the day before the processing date, increased by 1%. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. Non-Visa Debit Transaction Processing We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit 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: Star. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit 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. Advisory Against Illegal Use- You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, and online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. It’sMe247 Online Banking Computer Transfers- types of transfers- You may access your account(s) by computer or mobile device through the internet by logging onto our website at xxx.xxxxxxxx.xxx and using your username, password and security question, to: • Transfer funds from share draft to share draft • Transfer funds from share draft to share savings • Transfer funds from shave savings to share draft • Transfer funds share savings to share savings • Transfer funds from line of credit to share draft • Transfer funds from line of credit to share savings • Make payments from share draft to loan accounts with us • Make payments from share savings to loan accounts with us • Get information about: o The account balance of share draft accounts o The last twelve months deposits to share draft accounts o The last twelve months withdrawals from share draft accounts o The account balance of share savings accounts o The last twenty-four months deposits to share savings accounts o The last twenty-four months withdrawals from share savings accounts FEES • We do not charge for direct deposit to any type of account. • We do not charge for preauthorized payments from any type of account Except as indicated elsewhere, we do not charge for 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).

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Preauthorized Credits- credits- You may make arrangements for certain direct deposits (such as US Treasury, Auto-Owners Insurance, or State of Michigan) to be accepted into your share draft, draft or share saving or loan savings account(s). Preauthorized Payments- payments- You may make arrangements to pay certain recurring bills from your share draft or share savings account (saccount(s). Electronic Check check or Draft Conversion- draft conversion - types of transfers- transfers - Your check or draft can result in an electronic funds transfer. This can happen in several ways. For example: • You can purchase goods or pay for services and authorize a merchant or service provider to convert your check or draft into an electronic funds transfer. • At the time you offer a check or draft to a merchant or service provider, you may be asked to authorize the merchant or service provider to electronically collect a charge in the event the check or draft is returned for insufficient funds. Paying such a fee electronically is an electronic funds transfer. transfer Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through the posting of a sign. Telephone Transfers- types of transfers- Account Transfers - You may access your account by telephone 24 hours a day at 000-000-0000 through CU Talk and/or Its Me 000.xxx to: Transfer funds between your account(s) Get information about recent transactions that have posted to your account(s) Your Option to Limit Cash Withdrawals - In addition to dollar amount limitations for withdrawals using your personal identification numberATM and/or debit card that we may establish, a touch tone phone, and you have the option to limit the amount of cash that can be withdrawn by your account number, to: • Transfer funds from share draft ATM and/or debit card $50.00 per day or some other amount acceptable to share draft • Transfer funds from share draft to share savings • Transfer funds from shave savings to share draft • Transfer funds from share savings to share savings • Transfer funds from line of credit to share draft • Transfer funds from line of credit to share savings • Make payments from share draft to loan accounts with us • Make payments from share savings to loan accounts with us • Get information about: o The account balance of share draft accounts o The last twelve months deposits to share draft accounts o The last twelve months withdrawals from share draft accounts o The account balance of share savings accounts o The last twenty-four months deposits to share savings accounts o The last twenty-four months withdrawals from share savings accounts us. ATM Transfers- Transfers - types of transfers, dollar limitations, and charges- transfers - You may access your account(s) by ATM using your Debit/ATM Access Card and personal identification number, card and/or debit card number to: • Make deposits to share draft into or withdrawals from your account(s) with a debit card • Make deposits to share savings Transfer funds between your account(s) with a debit card • Get cash withdrawals from share draft account(s) with a debit card o You may withdraw no more than $500.00 per day (some ATM’s may have separate transaction limits) • Second Chance Checking members may withdraw no more than $200 per day. o There is a charge of $1.00 per transaction after the first five free per month • Get cash withdrawals from share savings account(s) with a debit card o You may withdraw no more than $500.00 per day (some ATM’s may separate transaction limits) • Second Chance Checking members may withdraw no more than $200 per day. o There is a charge of $1.00 per transaction after the first five free per month • Transfer funds from share savings to share draft account(s) with a debit card • Transfer funds from share draft to share savings account(s) with a debit card Some of these services may not be available at all terminals. Types of Debit/ATM Access Card Point-of-Sale Transactions- Transactions - You may access your share draft account(s) account to purchase goods (in person, by phone, or online), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution. Types of Debit Card Point-of-Sale Transactions - You may access your share draft account to purchase goods (in person or by phone), pay for services (in person or by phone), get cash from a merchant, if the merchant permits, or online)from a participating financial institution, and do anything that you can do with a credit card (that a participating merchant will accept with a credit card). Point-of-Sale Transactions- charges- Using your card: • The charge for your card (whether or not the card is used in the period) is $10.00 per year. Currency Conversion- When you use your VISA Debit/ATM 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 wholesale market rate or the government mandated rate in effect the day before the processing date, increased by 1%. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. Non-Visa Debit Transaction Processing We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit 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: Star. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit 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. Advisory Against Illegal Use- You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, and online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. It’sMe247 Online Banking Computer Transfers- types of transfers- You may access your account(s) by computer or mobile device through the internet by logging onto our website at xxx.xxxxxxxx.xxx and using your username, password and security question, to: • Transfer funds from share draft to share draft • Transfer funds from share draft to share savings • Transfer funds from shave savings to share draft • Transfer funds share savings to share savings • Transfer funds from line of credit to share draft • Transfer funds from line of credit to share savings • Make payments from share draft to loan accounts with us • Make payments from share savings to loan accounts with us • Get information about: o The account balance of share draft accounts o The last twelve months deposits to share draft accounts o The last twelve months withdrawals from share draft accounts o The account balance of share savings accounts o The last twenty-four months deposits to share savings accounts o The last twenty-four months withdrawals from share savings accounts FEES • We do not charge for direct deposit to any type of account. • We do not charge for preauthorized payments from any type of account Except as indicated elsewhere, we do not charge for 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).

ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES. Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Preauthorized Credits- You may make arrangements for certain direct deposits to be accepted into your share draft, share saving or loan account(s). Preauthorized Payments- You may make arrangements to pay certain recurring bills from your share draft or share savings account (s). Electronic Check or Draft Conversion- types of transfers- Your check or draft can result in an electronic funds transfer. This can happen in several ways. For example: • You can purchase goods or pay for services and authorize a merchant or service provider to convert your check or draft into an electronic funds transfer. • At the time you offer a check or draft to a merchant or service provider, you may be asked to authorize the merchant or service provider to electronically collect a charge in the event the check or draft is returned for insufficient funds. Paying such a fee electronically is an electronic funds transfer. Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through the posting of a sign. Telephone Transfers- types of transfers- You may access your account by telephone 24 hours a day at 000-000-0000 using your personal identification number, a touch tone phone, and your account number, to: • Transfer funds from share draft to share draft • Transfer funds from share draft to share savings • Transfer funds from shave share savings to share draft • Transfer funds from share savings to share savings • Transfer funds from line of credit to share draft • Transfer funds from line of credit to share savings • Make payments from share draft to loan accounts with us • Make payments from share savings to loan accounts with us • Get information about: o The account balance of share draft accounts o The last twelve months deposits to share draft accounts o The last twelve months withdrawals from share draft accounts o The account balance of share savings accounts o The last twenty-four months deposits to share savings accounts o The last twenty-four months withdrawals from share savings accounts ATM Transfers- types of transfers, dollar limitations, and charges- You may access your account(s) by ATM using your Debit/ATM Access Card and personal identification number, to: • Make deposits to share draft account(s) with a debit card • Make deposits to share savings account(s) with a debit card • Get cash withdrawals from share draft account(s) with a debit card o You may withdraw no more than $500.00 3000 per day (some ATM’s may have separate transaction limits) • Second Chance Checking members may withdraw no more than $200 750 per day. o There is a charge of $1.00 per transaction after the first five free per month • Get cash withdrawals from share savings account(s) with a debit card o You may withdraw no more than $500.00 3000 per day (some ATM’s may separate transaction limits) • Second Chance Checking members may withdraw no more than $200 750 per day. o There is a charge of $1.00 per transaction after the first five free per month • Transfer funds from share savings to share draft account(s) with a debit card • Transfer funds from share draft to share savings account(s) with a debit card Some of these services may not be available at all terminals. Types of Debit/ATM Access Card Point-of-Sale Transactions- You may access your share draft account(s) to purchase goods (in person, by phone, or online), pay for services (in person, by phone, or online), and do anything that you can do with a credit card (that a participating merchant will accept with a credit card). Point-of-Sale Transactions- charges- Using your card: • The charge for your card (whether or not the card is used in the period) is $10.00 per year. Currency Conversion- When you use your VISA Debit/ATM 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 wholesale market rate or the government mandated rate in effect the day before the processing date, increased by 1%. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. Non-Visa Debit Transaction Processing We have enabled non-Visa debit transaction processing. This means you may use your Visa-branded debit 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: Star. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa-branded debit 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-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. Advisory Against Illegal Use- You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, and online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. It’sMe247 Online Banking Computer Transfers- types of transfers- You may access your account(s) by computer or mobile device through the internet by logging onto our website at xxx.xxxxxxxx.xxx or mobile app and using your username, password and security question, to: • Transfer funds from share draft to share draft • Transfer funds from share draft to share savings • Transfer funds from shave savings to share draft • Transfer funds share savings to share savings • Transfer funds from line of credit to share draft • Transfer funds from line of credit to share savings • Make payments from share draft to loan accounts with us • Make payments from share savings to loan accounts with us • Get information about: o The account balance of share draft accounts o The last twelve months deposits to share draft accounts o The last twelve months withdrawals from share draft accounts o The account balance of share savings accounts o The last twenty-four months deposits to share savings accounts o The last twenty-four months withdrawals from share savings accounts FEES • We do not charge for direct deposit to any type of account. • We do not charge for preauthorized payments from any type of account • Please refer to our separate fee schedule for additional information about charges Except as indicated elsewhere, we do not charge for 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).