Common use of Electronic Records Clause in Contracts

Electronic Records. To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically; and that we will not retain and have no obligation to retain any original documents for any period of time. This applies to all documentation including but not limited to checks, Transaction records, notes, mortgages, deeds of trust and other loan and/or security documentation. You further acknowledge and understand that we will routinely destroy all original documentation. We may store records electronically via imaging, scanning, filming or other technology used in the financial services industry for the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. “E-Mail” and Facsimile Communications You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim, or damages arising or in any way related to our response(s) to any e-mail or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication, the e-mail address in your Membership Application or any other application or written communication actually received by us. Any account Owner, co-borrower, or Authorized user may change the e-mail address for statements or other information from us at any time. Although having no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction. Further, the Credit Union may not immediately receive e-mail communications that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you be submitted to us in writing, and we may refuse to send certain information through e-mail communications. If you need to contact the Credit Union immediately regarding an unauthorized Transaction, stop payment request, or otherwise, you may call the Credit Union at the telephone number in the Schedule. Links to Other Sites Our website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the Credit Union of the contents on such third-party websites. Credit Union is not responsible for the content or support of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-party websites, you do so at your own risk. Controlling Law and Users Responsibilities Our website and the electronic services that we provide (excluding linked sites) are controlled by the Credit Union and/or our ASP (Access Service Provider). The Credit Union’s principal office is located in the State of Utah, which law governs this Agreement. You may choose to access our website and electronic services from any location, we make no representation that any information, materials, or functions included in our website or via our electronic service are appropriate or authorized for use in all jurisdictions. Your access from other locations is made on your own initiative; and you are solely responsible for compliance with any applicable local laws and regulations. Insufficient Funds Transactions If your account balance is insufficient to cover any Transaction(s), we may treat these Transactions as insufficient funds Transactions. The Credit Union reserves the right to refuse any Transaction, the decision shall be at the Credit Union’s sole discretion. Electronic Processing and Transactions Due to the processing systems for electronic Transactions used in the United States and by us, a payment or other Transaction may be effective / posted before we are open for business on the date scheduled for the payment or other Transaction. Therefore, you are responsible for insuring that your account(s) have sufficient balances as applicable for the scheduled payment / Transaction one business day prior to the date scheduled. If a payment is due on a Saturday, Sunday, or Federal holiday, the payment may occur on either the first business day after the due date or the business day prior to the due date. In these cases, you should plan to have the payment initiated on the last business day before any of these days in order to ensure your payment is made on time. You may not make payments and/or Transactions to a federal, state or local governmental or tax unit, or pay child-support or alimony, or to make payments to other categories of payees that we establish from time to time using our electronic services.

Electronic Records. To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you You acknowledge and agree that we may in our Our discretion store all records electronically; and that we will not retain and have no obligation to retain any original documents for any period of time. This applies to all documentation including but not limited to checks, Transaction transaction records, notes, mortgages, deeds of trust and other loan and/or security documentation. You further acknowledge and understand that we will routinely destroy all original documentation. We may store records electronically via imaging, scanning, filming or other technology used in the financial services Services industry for the storage of documentation via internal processes or third-party processors that we approve for these servicesServices. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. “E-MailEmail” and Facsimile Communications Communications- You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you You agree that we have no liability to you You whatsoever for any loss, claim, claim or damages arising or in any way related to our Our response(s) to any e-mail email or other electronic communication, which we in good faith believe you You have submitted to usUs. We have no duty to investigate the validity or to verify any e-mail email or other electronic communication; and may respond to an e-mail email at either the address provided with the communication, the e-mail email address in your Your Membership Application or any other application or written communication actually received by usUs. Any account Account Owner, coCo-borrower, or Authorized user User may change the e-mail email address for statements or other information from us Us at any time. Although having no obligation to do so, we reserve the right to require authentication of e-mails emails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you You or any other person or company Member if we do not act upon or follow any instruction to us Us if a communication cannot be authenticated to our Our satisfaction. Further, the Credit Union may not immediately receive e-mail email communications that you You send. Also, we will not take action based on e-mail email requests until we actually receive your Your message and have a reasonable opportunity to act. We reserve the right to require any notices from you You be submitted to us Us in writing, and we may refuse to send certain information through e-mail email communications. If you You need to contact the Credit Union immediately regarding an unauthorized Transactiontransaction, stop payment request, or otherwise, you You may call the Credit Union at the telephone number in the Schedule. Links to Other Sites Our website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the Credit Union of the contents on such third-party websites. Credit Union is not responsible for the content or support of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-party websites, you do so at your own risk. Controlling Law and Users Responsibilities Our website and the electronic services that we provide (excluding linked sites) are controlled by the Credit Union and/or our ASP (Access Service Provider). The Credit Union’s principal office is located in the State of Utah, which law governs this Agreement. You may choose to access our website and electronic services from any location, we make no representation that any information, materials, or functions included in our website or via our electronic service are appropriate or authorized for use in all jurisdictions. Your access from other locations is made on your own initiative; and you are solely responsible for compliance with any applicable local laws and regulations. Insufficient Funds Transactions If your account balance is insufficient to cover any Transaction(s), we may treat these Transactions as insufficient funds Transactions. The Credit Union reserves the right to refuse any Transaction, the decision shall be at the Credit Union’s sole discretion. Electronic Processing and Transactions Due to the processing systems for electronic Transactions used in the United States and by us, a payment or other Transaction may be effective / posted before we are open for business on the date scheduled for the payment or other Transaction. Therefore, you are responsible for insuring that your account(s) have sufficient balances as applicable for the scheduled payment / Transaction one business day prior to the date scheduled. If a payment is due on a Saturday, Sunday, or Federal holiday, the payment may occur on either the first business day after the due date or the business day prior to the due date. In these cases, you should plan to have the payment initiated on the last business day before any of these days in order to ensure your payment is made on time. You may not make payments and/or Transactions to a federal, state or local governmental or tax unit, or pay child-support or alimony, or to make payments to other categories of payees that we establish from time to time using our electronic services.

Electronic Records. ~ To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically; and that we will not retain and have no obligation to retain any original documents for any period of time. This applies to all documentation including but not limited to checks, Transaction transaction records, notes, mortgages, deeds of trust and other loan and/or security documentation. You further acknowledge and understand that we will routinely destroy all original documentation. We may store records electronically via imaging, scanning, filming or other technology used in the financial services industry for the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. “E-Mail” and Facsimile Communications Communications~ You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim, claim or damages arising or in any way related to our response(s) to any e-mail or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication, the e-mail address in your Membership Application or any other application or written communication actually received by us. Any account Owner, co-borrower, or Authorized user may change the e-mail address for statements or other information from us at any time. Although having no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction. Further, the Credit Union may not immediately receive e-mail communications that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you be submitted to us in writing, and we may refuse to send certain information through e-mail communications. If you need to contact the Credit Union immediately regarding an unauthorized Transactiontransaction, stop payment request, or otherwise, you may call the Credit Union at the telephone number in the Schedule. Links to Other Sites Sites~ Our website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the Credit Union of the contents on such third-third- party websites. Credit Union is not responsible for the content or support of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-party websites, you do so at your own risk. Controlling Law and Users Responsibilities Responsibilities~ Our website web site and the electronic services that we provide (excluding linked sites) are controlled by the Credit Union and/or our ASP (Access Service Provider). The Credit Union’s principal office is located in the State of Utah, which law governs this Agreement. You may choose to access our website web site and electronic services from any location, we make no representation that any information, materials, or functions included in our website web site or via our electronic service are appropriate or authorized for use in all jurisdictions. Your access from other locations is made on your own initiative; and you are solely responsible for compliance with any applicable local laws and regulations. Insufficient Funds Transactions If your account balance is insufficient to cover any Transaction(s), we may treat these Transactions as insufficient funds Transactions. The Credit Union reserves the right to refuse any Transaction, the decision shall be at the Credit Union’s sole discretion. Electronic Processing and Transactions Due to the processing systems for electronic Transactions used in the United States and by us, a payment or other Transaction may be effective / posted before we are open for business on the date scheduled for the payment or other Transaction. Therefore, you are responsible for insuring that your account(s) have sufficient balances as applicable for the scheduled payment / Transaction one business day prior to the date scheduled. If a payment is due on a Saturday, Sunday, or Federal holiday, the payment may occur on either the first business day after the due date or the business day prior to the due date. In these cases, you should plan to have the payment initiated on the last business day before any of these days in order to ensure your payment is made on time. You may not make payments and/or Transactions to a federal, state or local governmental or tax unit, or pay child-support or alimony, or to make payments to other categories of payees that we establish from time to time using our electronic services.

Electronic Records. ~ To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically; and that we will not retain and have no obligation to retain any original documents for any period of time. This applies to all documentation including but not limited to checks, Transaction records, notes, mortgages, deeds of trust and other loan and/or security documentation. You further acknowledge and understand that we will routinely destroy all original documentation. We may store records electronically via imaging, scanning, filming or other technology used in the financial services industry for the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. “E-Mail” and Facsimile Communications Communications~ You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim, claim or damages arising or in any way related to our response(s) to any e-mail or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication, the e-mail address in your Membership Application or any other application or written communication actually received by us. Any account Owner, co-borrower, or Authorized user may change the e-mail address for statements or other information from us at any time. Although having no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction. Further, the Credit Union may not immediately receive e-mail communications that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you be submitted to us in writing, and we may refuse to send certain information through e-mail communications. If you need to contact the Credit Union immediately regarding an unauthorized Transaction, stop payment request, or otherwise, you may call the Credit Union at the telephone number in the Schedule. Links to Other Sites Sites~ Our website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the Credit Union of the contents on such third-party websites. Credit Union is not responsible for the content or support of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-party websites, you do so at your own risk. Controlling Law and Users Responsibilities Responsibilities~ Our website and the electronic services that we provide (excluding linked sites) are controlled by the Credit Union and/or our ASP (Access Service Provider). The Credit Union’s principal office is located in the State of Utah, which law governs this Agreement. You may choose to access our website and electronic services from any location, we make no representation that any information, materials, or functions included in our website or via our electronic service are appropriate or authorized for use in all jurisdictions. Your access from other locations is made on your own initiative; and you are solely responsible for compliance with any applicable local laws and regulations. Insufficient Funds Transactions Transactions~ If your account balance is insufficient to cover any Transaction(s), we may treat these Transactions as insufficient funds Transactions. The Credit Union reserves the right to refuse any Transaction, the decision shall be at the Credit Union’s sole discretion. Electronic Processing and Transactions Transactions~ Due to the processing systems for electronic Transactions used in the United States and by us, a payment or other Transaction may be effective / posted before we are open for business on the date scheduled for the payment or other Transaction. Therefore, you are responsible for insuring that your account(s) have sufficient balances as applicable for the scheduled payment / Transaction one business day prior to the date scheduled. If a payment is due on a Saturday, Sunday, or Federal holiday, the payment may occur on either the first business day after the due date or the business day prior to the due date. In these cases, you should plan to have the payment initiated on the last business day before any of these days in order to ensure your payment is made on time. You may not make payments and/or Transactions to a federal, state or local governmental or tax unit, or pay child-support or alimony, or to make payments to other categories of payees that we establish from time to time using our electronic services.. Preauthorized Transactions~ If you have arranged in advance to make regular electronic fund transfers out of your account(s) for money you owe others, you may stop payment of preauthorized transfers from your account. You must notify the Credit Union orally or in writing in time for us to receive your request three (3) business days or more before the scheduled date of the transfer. The Credit Union may require written confirmation of the stop payment order to be made within fourteen

Electronic Records. To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you You acknowledge and agree that we may in our sole discretion store all records electronically; and that we will not retain and have no obligation to retain any original documents for any period of time. This applies to all documentation including but not limited to checks, Transaction transaction records, notes, mortgages, deeds of trust and other loan and/or security documentation. You further acknowledge and understand that we We will routinely destroy all original documentation. We may store records electronically via imaging, scanning, filming or other technology used in the financial services industry for the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. “E-MailEmail” and Facsimile Communications Communications: You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim, claim or damages arising out of or in any way related to our response(s) to any e-mail email or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail email or other electronic communication; and may respond to an e-mail email at either the address provided with the communication, the e-mail email address in your Membership Application Application, or any other application or written communication actually received by us. Any account Owner, co-borrower, or Authorized user owner may change the e-mail email address for statements or other information from us at any time. Although having no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction. Further, the Credit Union may not immediately receive e-mail email communications that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you to be submitted to us in writing, and we may refuse to send certain information through e-mail unsecured email communications. If You expressly consent and agree to us, our agents or any parties we authorize sending and you need to contact the receiving any communications hereunder by facsimile or other electronic methods including any offers for Credit Union immediately regarding an unauthorized TransactionUnion, stop payment request, affiliate or otherwise, you may call the Credit Union at the telephone number in the Schedule. Links to Other Sites Our website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the Credit Union of the contents on such third-party websites. Credit Union is not responsible for the content or support of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-party websites, you do so at your own risk. Controlling Law and Users Responsibilities Our website and the electronic services that we provide (excluding linked sites) are controlled by the Credit Union and/or our ASP (Access Service Provider). The Credit Union’s principal office is located in the State of Utah, which law governs this Agreement. You may choose to access our website and electronic services from any location, we make no representation that any information, materials, or functions included in our website or via our electronic service are appropriate or authorized for use in all jurisdictions. Your access from other locations is made on your own initiative; and you are solely responsible for compliance with any applicable local laws and regulations. Insufficient Funds Transactions If your account balance is insufficient to cover any Transaction(s), we may treat these Transactions as insufficient funds Transactions. The Credit Union reserves the right to refuse any Transaction, the decision shall be at the Credit Union’s sole discretion. Electronic Processing and Transactions Due to the processing systems for electronic Transactions used in the United States and by us, a payment or other Transaction may be effective / posted before we are open for business on the date scheduled for the payment or other Transaction. Therefore, you are responsible for insuring that your account(s) have sufficient balances as applicable for the scheduled payment / Transaction one business day prior to the date scheduled. If a payment is due on a Saturday, Sunday, or Federal holiday, the payment may occur on either the first business day after the due date or the business day prior to the due date. In these cases, you should plan to have the payment initiated on the last business day before any of these days in order to ensure your payment is made on time. You may not make payments and/or Transactions to a federal, state or local governmental or tax unit, or pay child-support or alimony, or to make payments to other categories of payees that we establish from time to time using our electronic servicesproducts.

Electronic Records. To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically; and that we will not retain and have no obligation to retain any original documents for any period of time. This applies to all documentation including but not limited to checks, Transaction records, notes, mortgages, deeds of trust and other loan and/or security documentation. You further acknowledge and understand that we will routinely destroy all original documentation. We may store records electronically via imaging, scanning, filming filming, or other technology used in the financial services industry for the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. “E-Mail” and Facsimile Communications Communications. You acknowledge and agree that the Internet internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim, or damages arising or in any way related to our response(s) to any e-mail or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-e- mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication, the e-mail address in your Membership Application or any other application or written communication actually received by us. Any account Ownerowner, co-borrower, or Authorized user may change the e-mail address for statements or other information from us at any time. Although having no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction. Further, the Credit Union may not immediately receive e-mail communications that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you be submitted to us in writing, and we may refuse to send certain information through e-mail communications. If you need to contact the Credit Union immediately regarding an unauthorized Transaction, stop payment request, or otherwise, you may call the Credit Union at the telephone number in the Schedule000-000-0000 or 1-800- 929-7787. Links to Other Sites Sites. Our website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the Credit Union of the contents on such third-party websites. Credit Union is not responsible for the content or support of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third third-party websites. If you decide to access linked third-party websites, you do so at your own risk. Controlling Law and Users Responsibilities Responsibilities. Our website web site and the electronic services that we provide (excluding linked sites) are controlled by the Credit Union and/or our ASP (Access Service Provider). The Credit Union’s principal office is located in the State of Utah, which law governs this Agreement. You may choose to access our website web site and electronic services from any location, we make no representation that any information, materials, or functions included in our website web site or via our electronic service are appropriate or authorized for use in all jurisdictions. Your access from other locations is made on your own initiative; and you are solely responsible for compliance with any applicable local laws and regulations. Insufficient Funds Transactions If your account balance is insufficient UNIFORM COMMERCIAL CODE FUNDS TRANSFERS AGREEMENT AND DISCLOSURE Summary and Definitions. This Agreement governs the movement of funds by means of funds transfers defined in Article 4A of the Uniform Commercial Code, Subpart B of Regulation J of the Board of Governors of the Federal Reserve System (generally referred to cover any Transaction(sas “Fedwire” or “wholesale” wire transfers), we and as may treat these Transactions as insufficient funds Transactionsbe applicable the operating rules for the National Automated Clearing House Association (“NACHA”). The Credit Union reserves This Agreement does not apply to any Transaction or any part of any Transaction governed by the right to refuse any TransactionElectronic Funds Transfer Act and Regulation E. To the extent that the terms of this Agreement vary from the other agreements or disclosures in this Agreement, the decision this Agreement shall be at the Credit Union’s sole discretiongovern. Electronic Processing and Transactions Due Further, to the processing systems for electronic Transactions used in the United States and by usextent that this Agreement varies any provision of Article 4A, a payment or other Transaction may be effective / posted before we are open for business on the date scheduled for the payment or other Transaction. Therefore, you are responsible for insuring that your account(s) have sufficient balances as applicable for the scheduled payment / Transaction one business day prior to the date scheduled. If a payment is due on a Saturday, Sunday, or Federal holiday, the payment may occur on either the first business day after the due date Regulation J or the business day prior to the due date. In these casesoperating rules of NACHA, you should plan to have the payment initiated on the last business day before any of these days in order to ensure your payment is made on time. You may not make payments and/or Transactions to a federalthis Agreement shall govern, state or local governmental or tax unit, or pay child-support or alimony, or to make payments to other categories of payees that we establish from time to time using our electronic servicesexcept where specifically prohibited by applicable law.

Electronic Records. To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to recordsre- cords, you acknowledge and agree that we may in our discretion store all records electronically; and that we will not retain and have no obligation to retain any original documents for any period of time. This applies to all documentation including but not limited to checks, Transaction records, notes, mortgages, deeds of trust and other loan and/or security documentation. You further acknowledge and understand that we will routinely destroy all original documentation. We may store records electronically via imaging, scanning, filming or other technology used in the financial services industry for the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreementsagree- ments, rights and obligations of the parties pursuant to any such records. “E-Mail” and Facsimile Communications Communications. You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim, claim or damages arising or in any way related to our response(s) to any e-mail or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication, the e-mail address in your Membership Application or any other application or written communication actually received by us. Any account Ownerowner, co-borrower, or Authorized user may change the e-mail address for statements or other information from us at any time. Although Al- though having no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction. Further, the Credit Union may not immediately receive e-mail communications that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you be submitted to us in writing, and we may refuse to send certain information through e-mail communications. If you need to contact the Credit Union immediately regarding an unauthorized Transaction, stop payment request, or otherwise, you may call the Credit Union at the telephone number in the Schedule000-000-0000 or 0-000-000-0000. Links to Other Sites Sites. Our website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the Credit Union of the contents on such third-party websites. Credit Union is not responsible for the content or support of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-party websites, you do so at your own risk. Controlling Law and Users Responsibilities Responsibilities. Our website web site and the electronic services that we provide (excluding linked sites) are controlled by the Credit Union and/or our ASP (Access Service Provider). The Credit Union’s principal office is located in the State of Utah, which law governs this Agreement. You may choose to access our website web site and electronic services from any location, we make no representation that any information, materials, or functions included in our website web site or via our electronic service are appropriate or authorized for use in all jurisdictions. Your access from other locations is made on your own initiative; and you are solely responsible for compliance with any applicable local laws and regulations. Insufficient Funds Transactions If your account balance is insufficient UNIFORM COMMERCIAL CODE FUNDS TRANSFERS AGREEMENT AND DISCLOSURE Summary and Definitions. This Agreement governs the movement of funds by means of funds transfers defined in Article 4A of the Uniform Com- mercial Code, Subpart B of Regulation J of the Board of Governors of the Federal Reserve System (generally referred to cover any Transaction(sas “Fedwire” or “wholesale” wire transfers), we and as may treat these Transactions as insufficient funds Transactionsbe applicable the operating rules for the National Automated Clearing House Association (“NACHA”). The Credit Union reserves This Agreement does not apply to any Transaction or any part of any Transaction governed by the right to refuse any TransactionElectronic Funds Transfer Act and Regulation E. To the extent that the terms of this Agreement vary from the other agreements or disclosures in this Agreement, the decision this Agreement shall be at the Credit Union’s sole discretiongovern. Electronic Processing and Transactions Due Further, to the processing systems for electronic Transactions used in the United States and by usextent that this Agreement varies any provision of Article 4A, a payment or other Transaction may be effective / posted before we are open for business on the date scheduled for the payment or other Transaction. Therefore, you are responsible for insuring that your account(s) have sufficient balances as applicable for the scheduled payment / Transaction one business day prior to the date scheduled. If a payment is due on a Saturday, Sunday, or Federal holiday, the payment may occur on either the first business day after the due date Regulation J or the business day prior to the due date. In these casesoperating rules of NACHA, you should plan to have the payment initiated on the last business day before any of these days in order to ensure your payment is made on time. You may not make payments and/or Transactions to a federalthis Agreement shall govern, state or local governmental or tax unit, or pay child-support or alimony, or to make payments to other categories of payees that we establish from time to time using our electronic servicesexcept where specifi- cally prohibited by applicable law.

Electronic Records. To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically; and that we will not retain and have no obligation to retain any original documents for any period of time. This applies to all documentation including but not limited to checks, Transaction records, notes, mortgages, deeds of trust and other loan and/or security documentation. You further acknowledge and understand that we will routinely destroy all original documentationdocumenta- tion. We may store records electronically via imaging, scanning, filming or other technology technol- ogy used in the financial services industry for the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. “E-Mail” and Facsimile Communications Communications. You acknowledge and agree that the Internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim, claim or damages arising or in any way related to our response(s) to any e-mail or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication, the e-mail address in your Membership Application or any other application or written communication actually received by us. Any account Ownerowner, co-borrower, or Authorized user may change the e-mail address for statements or other information from us at any time. Although having no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction. Further, the Credit Union may not immediately receive e-mail communications that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you be submitted to us in writing, and we may refuse to send certain information through e-mail communications. If you need to contact the Credit Union immediately regarding an unauthorized Transaction, stop payment request, or otherwise, you may call the Credit Union at the telephone number in the Schedule000-000-0000 or 0-000-000-0000. Links to Other Sites Sites. Our website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the Credit Union of the contents on such third-party websites. Credit Union is not responsible for the content or support of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-party websites, you do so at your own risk. Controlling Law and Users Responsibilities Responsibilities. Our website web site and the electronic services that we provide (excluding linked sites) are controlled by the Credit Union and/or our ASP (Access Service Provider). The Credit Union’s principal office is located in the State of Utah, which law governs this Agreement. You may choose to access our website web site and electronic services from any location, we make no representation that any information, materials, or functions included in our website web site or via our electronic service are appropriate appropri- ate or authorized for use in all jurisdictions. Your access from other locations is made on your own initiative; and you are solely responsible for compliance with any applicable local laws and regulations. Insufficient Funds Transactions If your account balance is insufficient UNIFORM COMMERCIAL CODE FUNDS TRANSFERS AGREEMENT AND DISCLO- SURE Summary and Definitions. This Agreement governs the movement of funds by means of funds transfers defined in Article 4A of the Uniform Commercial Code, Subpart B of Regu- lation J of the Board of Governors of the Federal Reserve System (generally referred to cover any Transaction(sas “Fedwire” or “wholesale” wire transfers), we and as may treat these Transactions as insufficient funds Transactionsbe applicable the operating rules for the National Automated Clearing House Association (“NACHA”). The Credit Union reserves This Agreement does not apply to any Transaction or any part of any Transaction governed by the right to refuse any TransactionElectronic Funds Transfer Act and Regulation E. To the extent that the terms of this Agreement vary from the other agreements or disclosures in this Agreement, the decision this Agreement shall be at the Credit Union’s sole discretiongovern. Electronic Processing and Transactions Due Further, to the processing systems for electronic Transactions used in the United States and by usextent that this Agreement varies any provision of Article 4A, a payment or other Transaction may be effective / posted before we are open for business on the date scheduled for the payment or other Transaction. Therefore, you are responsible for insuring that your account(s) have sufficient balances as applicable for the scheduled payment / Transaction one business day prior to the date scheduled. If a payment is due on a Saturday, Sunday, or Federal holiday, the payment may occur on either the first business day after the due date Regulation J or the business day prior to the due date. In these casesoperating rules of NACHA, you should plan to have the payment initiated on the last business day before any of these days in order to ensure your payment is made on time. You may not make payments and/or Transactions to a federalthis Agreement shall govern, state or local governmental or tax unit, or pay child-support or alimony, or to make payments to other categories of payees that we establish from time to time using our electronic servicesexcept where specifically prohibited by applicable law.

Electronic Records. To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically; and that we will not retain and have no obligation to retain any original documents for any period of time. This applies to all documentation including but not limited to checks, Transaction records, notes, mortgages, deeds of trust and other loan and/or security documentation. You further acknowledge and understand that we will routinely destroy all original documentationdocumenta- tion. We may store records electronically via imaging, scanning, filming filming, or other technology technol- ogy used in the financial services industry for the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. “E-Mail” and Facsimile Communications Communications. You acknowledge and agree that the Internet internet is considered inherently insecure. Therefore, you agree that we have no liability to you whatsoever for any loss, claim, claim or damages arising or in any way related to our response(s) to any e-mail or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication, the e-mail address in your Membership Application or any other application or written communication actually received by us. Any account Ownerowner, co-borrower, or Authorized user may change the e-mail address for statements or other information from us at any time. Although having no obligation to do so, we reserve the right to require authentication of e-mails or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction. Further, the Credit Union may not immediately receive e-mail communications that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you be submitted to us in writing, and we may refuse to send certain information through e-mail communications. If you need to contact the Credit Union immediately regarding an unauthorized Transaction, stop payment request, or otherwise, you may call the Credit Union at the telephone number in the Schedule000-000-0000 or 0-000-000-0000. Links to Other Sites Sites. Our website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the Credit Union of the contents on such third-party websites. Credit Union is not responsible for the content or support of linked third-party sites and does not make any representations representa- tions regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-party websites, you do so at your own risk. Controlling Law and Users Responsibilities Responsibilities. Our website web site and the electronic services that we provide (excluding linked sites) are controlled by the Credit Union and/or and/ or our ASP (Access Service Provider). The Credit Union’s principal office is located in the State of Utah, which law governs this Agreement. You may choose to access our website web site and electronic services from any location, we make no representation that any information, materials, or functions included in our website web site or via our electronic service are appropriate or authorized for use in all jurisdictions. Your access from other locations is made on your own initiative; and you are solely responsible for compliance with any applicable local laws and regulations. Insufficient Funds Transactions If your account balance is insufficient UNIFORM COMMERCIAL CODE FUNDS TRANSFERS AGREEMENT AND DISCLOSURE Summary and Definitions. This Agreement governs the movement of funds by means of funds transfers defined in Article 4A of the Uniform Commercial Code, Subpart B of Regu- lation J of the Board of Governors of the Federal Reserve System (generally referred to cover any Transaction(sas “Fedwire” or “wholesale” wire transfers), we and as may treat these Transactions as insufficient funds Transactionsbe applicable the operating rules for the National Automated Clearing House Association (“NACHA”). The Credit Union reserves This Agreement does not apply to any Transaction or any part of any Transaction governed by the right to refuse any TransactionElectronic Funds Transfer Act and Regulation E. To the extent that the terms of this Agreement vary from the other agreements or disclosures in this Agreement, the decision this Agreement shall be at the Credit Union’s sole discretiongovern. Electronic Processing and Transactions Due Further, to the processing systems for electronic Transactions used in the United States and by usextent that this Agreement varies any provision of Article 4A, a payment or other Transaction may be effective / posted before we are open for business on the date scheduled for the payment or other Transaction. Therefore, you are responsible for insuring that your account(s) have sufficient balances as applicable for the scheduled payment / Transaction one business day prior to the date scheduled. If a payment is due on a Saturday, Sunday, or Federal holiday, the payment may occur on either the first business day after the due date Regulation J or the business day prior to the due date. In these casesoperating rules of NACHA, you should plan to have the payment initiated on the last business day before any of these days in order to ensure your payment is made on time. You may not make payments and/or Transactions to a federalthis Agreement shall govern, state or local governmental or tax unit, or pay child-support or alimony, or to make payments to other categories of payees that we establish from time to time using our electronic servicesexcept where specifically prohibited by applicable law.

Electronic Records. By requesting any electronic funds transfer, Online Banking, other electronic services or transactions, by submitting any application or agreement to us electronically, or by e-mailing us, you represent that you have such equipment and software and that you can download, access, read, review, print, and store the electronic records we provide to you. To facilitate electronic commerce, to reduce the expense of records storage, and to obtain the benefits of faster access to records, you acknowledge and agree that we may in our discretion store all records electronically; and that we will not retain and have no obligation to retain any original documents for any period of time. This applies to all documentation including but not limited to checks, Transaction transaction records, notes, mortgages, deeds of trust and other loan and/or security documentation. You Your further acknowledge and understand that we will routinely destroy all original documentation. We may store records electronically via imaging, scanning, filming or other technology used in the financial services industry for the storage of documentation via internal processes or third-party processors that we approve for these services. You agree that such storage shall be secure, and further agree that such records shall for all purposes be recognized and admissible in evidence or otherwise to prove the agreements, rights and obligations of the parties pursuant to any such records. “E-Mail” Account Ownership and Facsimile Communications Use/Accurate Information. You acknowledge represent that you are the legal owner of the accounts and other financial information which may be accessed via Online Banking and/or Mobile Banking. You agree to be bound by the terms and conditions of ACU’s Membership and Account Agreement, which was provided to you upon your application for membership. You represent and agree that all information you provide to us in connection with Online Banking and/or Mobile Banking is accurate, current and complete, and that you have the right to provide such information to us for the purpose of operating Online Banking and/or Mobile Banking. You agree not to misrepresent your identity or your account information. You agree to keep your account information up to date and accurate. You agree to use Online Banking and/or Mobile Banking carefully, to keep your password confidential and secure and not share it with others, to check your statements and transactions regularly, to report any errors to us promptly by calling us at 0.000.000.0000 or 253.964.3113. Confidentiality of Passwords. By requesting access to ACU’s Internet is considered inherently insecureOnline Banking and/or Mobile Banking Program you agree to keep your Password and Personal Challenge Questions private, secure, and your Password selection unique and not easily guessed or obtained by others. ThereforeACU recommends for security reasons that your Password be a combination of numbers, letters and symbols and that you change your Password every 180 days. You also agree not to disclose or record the Password or Personal Challenge Questions in any manner or on any media, whether in writing or otherwise, including without limitation in electronic form, or on voice mail or e-mail. If you share or disclose your user name and password, all transactions performed in connection with the services are legally binding on the account holder and ACU will not be responsible for any losses that may result. If you suspect or become aware that there has been misuse or unauthorized use or knowledge of your user name and password, you agree that we have no liability to you whatsoever for any loss, claim, or damages arising or in any way related to our response(s) to any e-mail or other electronic communication, which we in good faith believe you have submitted to us. We have no duty to investigate the validity or to verify any e-mail or other electronic communication; and may respond to an e-mail at either the address provided with the communication, the e-mail address in your Membership Application or any other application or written communication actually received by us. Any account Owner, co-borrower, or Authorized user may immediately change the e-mail address for statements password and notify ACU as soon as possible at 0.000.000.0000 (toll free) or other information from us at any time253.964.3113 (local). Although having no obligation ACU does not have access to do so, we reserve the right to require authentication of e-mails your Password or electronic communications. The decision to require authentication is in the sole discretion of the Credit Union. We will have no obligation, liability or responsibility to you or any other person or company if we do not act upon or follow any instruction to us if a communication cannot be authenticated to our satisfaction. Further, the Credit Union may not immediately receive e-mail communications that you send. Also, we will not take action based on e-mail requests until we actually receive your message and have a reasonable opportunity to act. We reserve the right to require any notices from you be submitted to us in writing, and we may refuse to send certain information through e-mail communicationsPersonal Challenge Questions. If you need to contact the Credit Union immediately regarding an unauthorized Transactionreset your Password or Personal Challenge Questions, stop payment request, call 0.000.000.0000 or otherwise, you may call the Credit Union at the telephone number in the Schedule. Links to Other Sites Our website may contain links to third party websites. These links are provided solely as a convenience to you and not as an endorsement by the Credit Union of the contents on such third-party websites. Credit Union is not responsible for the content or support of linked third-party sites and does not make any representations regarding the content or accuracy of materials on such third party websites. If you decide to access linked third-party websites, you do so at your own risk. Controlling Law and Users Responsibilities Our website and the electronic services that we provide (excluding linked sites) are controlled by the Credit Union and/or our ASP (Access Service Provider). The Credit Union’s principal office is located in the State of Utah, which law governs this Agreement. You may choose to access our website and electronic services from any location, we make no representation that any information, materials, or functions included in our website or via our electronic service are appropriate or authorized for use in all jurisdictions. Your access from other locations is made on your own initiative; and you are solely responsible for compliance with any applicable local laws and regulations. Insufficient Funds Transactions If your account balance is insufficient to cover any Transaction(s), we may treat these Transactions as insufficient funds Transactions. The Credit Union reserves the right to refuse any Transaction, the decision shall be at the Credit Union’s sole discretion. Electronic Processing and Transactions Due to the processing systems for electronic Transactions used in the United States and by us, a payment or other Transaction may be effective / posted before we are open for business on the date scheduled for the payment or other Transaction. Therefore, you are responsible for insuring that your account(s) have sufficient balances as applicable for the scheduled payment / Transaction one business day prior to the date scheduled. If a payment is due on a Saturday, Sunday, or Federal holiday, the payment may occur on either the first business day after the due date or the business day prior to the due date. In these cases, you should plan to have the payment initiated on the last business day before any of these days in order to ensure your payment is made on time. You may not make payments and/or Transactions to a federal, state or local governmental or tax unit, or pay child-support or alimony, or to make payments to other categories of payees that we establish from time to time using our electronic services253.964.3113.