Common use of Fees and Charges Clause in Contracts

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKING

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEAUDIO 24"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR MOBILE INTERNET ACCOUNT REMOTE ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKING.

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONETELESOURCE TELEPHONE TRANSFERS"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE HOME BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("“E-CHECK"”). VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKING.

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. ELECTRONIC SERVICES AGREEMENT AND & DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA MASTERCARD DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY BANK-BY-PHONE"), OUR INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("MOBILE BANKING"), AND OUR ELECTRONIC BILL PAYMENT SYSTEM ("BILL PAY"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKING.

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONETOUCH TONE TELLER"), OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE HOME BANKING"), AND OUR INTERNET ENABLED MOBILE INTERNET ACCOUNT ACCESS BANKING SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CARD, BANK BY PHONETOUCH TONE TELLER, ONLINE HOME BANKING, MOBILE BANKINGMOBILE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR AUTOMATED TELLER MACHINE (ATM) CARD OR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEAUDIO 24"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGINTERNET 24"), OUR BILL PAYMENT SYSTEM ("INTERNET BILL PAYMENT") AND OUR MOBILE INTERNET ACCOUNT REMOTE ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKING.

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA MASTERCARD DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEFAST TELLER"), AND OUR INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("ONLINE BANKINGXXXXXXXX@XXXX"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"”), . EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA MASTERCARD DEBIT CARD, BANK BY PHONEFAST TELLER, ONLINE BANKINGXXXXXXXX@XXXX, MOBILE BANKINGMOBILE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONETELEPHONE BANKING"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("“ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS BILL PAYMENT SYSTEM ("MOBILE BANKING"“ONLINE BILL PAY”), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("“E-CHECK"”). VISA DEBIT CARD, BANK BY PHONETELEPHONE BANKING, ONLINE BANKING, MOBILE BANKINGONLINE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the an accompanying schedule of fees and charges pricing document provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD OR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE"), OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("“ONLINE BANKING"), AND OUR INTERNET ENABLED MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER NUMBERS (PINPINS) AND/OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). ATM CARD, VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKING, AND

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the an accompanying schedule of fees and charges pricing document provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD ("VISA DEBIT CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEAUDIO ACCOUNT ACCESS"), OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGCUe-BRANCH"), AND OUR MOBILE INTERNET PORTABLE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CARD, BANK BY PHONEAUDIO ACCOUNT ACCESS, ONLINE BANKING, MOBILE BANKINGCUe-BRANCH,

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges Account And Service Fee Schedule provided in conjunction with these Agreements and And Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE"), OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGVIRTUAL BRANCH"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE TOUCH BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CARD, BANK BY PHONEVIRTUAL BRANCH, ONLINE BANKING, MOBILE BANKINGTOUCH BANKING AND E-CHECK

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD ("CHECK CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONETELEPHONE TELLER"), AND OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CHECK CARD, BANK BY PHONETELEPHONE TELLER, ONLINE BANKING, MOBILE BANKINGBANKING AND

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA ATM CARD, MASTERCARD DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONETELLER-24"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGHOME BRANCHING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA ATM CARD, MASTERCARD DEBIT CARD, BANK BY PHONETELLER-24, ONLINE BANKING, MOBILE BANKINGHOME BRANCHING,

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA PFFCU AUTOMATED TELLER MACHINE (ATM) CARD OR PFFCU DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE24-HOUR EXPRESS BANKER"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("“ONLINE BANKING"”), AND OUR MOBILE INTERNET ACCOUNT ACCESS REMOTE DEPOSIT SYSTEM ("MOBILE BANKINGDEPOSIT"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("“E-CHECK"”). VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKING.

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA ATM CARD OR MASTERCARD DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEDIRECT DIAL 24"), AND OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA ATM CARD, MASTERCARD DEBIT CARD, BANK BY PHONEDIRECT DIAL 24, ONLINE BANKING, MOBILE BANKINGONLINE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CHECK CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEAUDIO RESPONSE"), OUR INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("ONLINE VIRTUAL BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND OUR ELECTRONIC BILL PAYMENT SYSTEM (“BILL PAY”), AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("“E-CHECK"”). VISA DEBIT CHECK CARD, BANK BY PHONEAUDIO RESPONSE, ONLINE VIRTUAL BANKING, MOBILE BANKINGMOBILE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKINGMOBILE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONETELEPHONE TELLER"), OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGE- BRANCH"), AND OUR MOBILE INTERNET SMARTPHONE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CARD, BANK BY PHONETELEPHONE TELLER, ONLINE BANKINGE-BRANCH, MOBILE BANKING,

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA MASTERCARD DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE"“TELEPHONE TRANSFERS”), OUR INTERNET ACCOUNT ACCESS SYSTEM ("CU ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKING.

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD OR VISA DEBIT CHECK CARD ("CARD"), OUR AUDIO RESPONSE ONLINE BANKING SYSTEM ("BANK BY PHONEHOME BANKING"), OUR INTERNET ACCOUNT ACCESS MOBILE ONLINE BANKING SYSTEM ("ONLINE MOBILE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS ELECTRONIC BILL PAYMENT SYSTEM ("MOBILE BANKINGBILL PAY"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT ATM CARD, BANK BY PHONEVISA CHECK CARD, ONLINE HOME BANKING, MOBILE BANKING, AND

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying separate schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA ATM CARD, DEBIT CARD ("CARD")MASTERCARD, OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONESTAR"), ) AND OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGI-BRANCH"), AND OUR INTERNET ENABLED SMARTPHONE AND/OR MOBILE INTERNET COMPUTING DEVICE ACCOUNT ACCESS SYSTEM ("“MOBILE BANKING"”), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER NUMBERS (PINPINS) AND/OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT ATM CARD, BANK BY PHONEDEBIT MASTERCARD, ONLINE BANKINGSTAR, I-BRANCH, MOBILE BANKING, AND E-

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CHECK CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONECOLORAMO AUDIO TELLER"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKINGMOBI¢INT"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKINGMOBI¢INT MOBILE"), AND OUR INTERNET BILL PAYMENT SYSTEM ("CHECKFREE"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CHECK CARD, BANK BY PHONECOLORAMO AUDIO TELLER, ONLINE BANKINGMOBI¢INT, MOBILE BANKINGMOBI¢INT

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR FREEDOM NORTHWEST VISA DEBIT CARD ("“CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE"”), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("“MOBILE BANKING"”), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). FREEDOM NORTHWEST VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKINGMOBILE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule Schedule of fees Fees and charges Charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA ATM CARD, MASTERCARD DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONECU*TALK"), ) AND OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKINGIT'S ME 247"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER NUMBERS (PINPINS) AND/OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA ATM CARD, MASTERCARD DEBIT CARD, BANK BY PHONECU*TALK, ONLINE BANKING, MOBILE BANKINGIT'S ME 247 AND

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA ATM/DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEPAT 24"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("“ONLINE BANKING"), ”) AND OUR MOBILE INTERNET ACCOUNT ACCESS ENABLED REMOTE DEPOSIT SYSTEM ("MOBILE BANKINGDEPOSIT CAPTURE"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("“E-CHECK"”). VISA ATM/DEBIT CARD, BANK BY PHONEPAT 24, ONLINE BANKING, MOBILE BANKINGDEPOSIT CAPTURE AND E-

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE"“TELEPHONE TRANSFERS”), OUR INTERNET ACCOUNT ACCESS SYSTEM ("CU ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CARD, BANK BY PHONETELEPHONE TRANSFERS, CU ONLINE BANKING, MOBILE BANKING,

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the an accompanying schedule of fees and charges pricing document provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND REGULATION E AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD, VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE"), “TELEPHONE TELLER”) AND OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), OUR INTERNET ENABLED MOBILE DEPOSIT SYSTEM ("REMOTE DEPOSIT") AND OUR INTERNET ENABLED MOBILE INTERNET ACCOUNT ACCESS BANKING SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER NUMBERS (PINPINS) AND/OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). ATM CARD, VISA DEBIT CARD, BANK BY PHONETELEPHONE TELLER, ONLINE BANKING, REMOTE DEPOSIT, MOBILE BANKINGBANKING AND E-CHECK

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL DISCLOSURE STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD OR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE"“PHONE TELLER”), OUR INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("ONLINE HOME BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS ONLINE BANKING SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). ATM CARD, VISA DEBIT CARD, BANK BY PHONEPHONE TELLER, ONLINE HOME BANKING, MOBILE BANKINGMOBILE

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA PFFCU DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE24-HOUR EXPRESS BANKER"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS REMOTE DEPOSIT SYSTEM ("MOBILE BANKINGDEPOSIT"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA PFFCU DEBIT CARD, BANK BY PHONE24-HOUR EXPRESS BANKER, ONLINE BANKING, MOBILE BANKING,

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD OR VISA DEBIT CARD ("CHECK CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEFIRST CALL"), OUR PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("HOME BANKING"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET REMOTE ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), AND OUR INTERNET ACCESSIBLE BILL PAYMENT SYSTEM ("INTERNET XXXX XXXXX"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKING.

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND & DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("“BANK BY PHONE"”), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("“MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("“E-CHECK"”). VISA DEBIT CARD, BANK BY PHONE, ONLINE BANKING, MOBILE BANKING

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA PFFCU DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE24-HOUR EXPRESS BANKER"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("“ONLINE BANKING"”), AND OUR MOBILE INTERNET ACCOUNT ACCESS REMOTE DEPOSIT SYSTEM ("MOBILE BANKINGDEPOSIT"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("“E-CHECK"”). VISA PFFCU DEBIT CARD, BANK BY PHONE24-HOUR EXPRESS BANKER, ONLINE BANKING, MOBILE BANKING,

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD OR VISA DEBIT CARD ("CHECK CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEPHONE BANKING"), OUR INTERNET PERSONAL COMPUTER ACCOUNT ACCESS SYSTEM ("ONLINE INTERNET BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT ATM CARD, BANK BY PHONEVISA CHECK CARD, ONLINE PHONE BANKING, MOBILE INTERNET BANKING,

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR ATM CARD ("CARD"), AND VISA DEBIT CHECK CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEVOICE BANKING"), OUR INTERNET ONLINE ACCOUNT ACCESS SYSTEM ("ONLINE DIGITAL BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS ELECTRONIC BILL PAYMENT SYSTEM ("MOBILE BANKINGBILL PAY"), . EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT ATM CARD, BANK BY PHONEVISA CHECK CARD, ONLINE VOICE BANKING, MOBILE DIGITAL BANKING,

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. ELECTRONIC SERVICES SERVICE AGREEMENT AND DISCLOSURE DISCLSOURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONEPATT"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), ) AND OUR MOBILE INTERNET ACCOUNT ACCESS SYSTEM ("MOBILE BANKING"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA DEBIT CARD, BANK BY PHONEPATT, ONLINE BANKING, MOBILE BANKINGBANKING AND E-

Fees and Charges. Any fees and charges applicable to Your Account are disclosed on the accompanying schedule of fees and charges provided in conjunction with these Agreements and And Disclosures. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE THIS IS YOUR ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE. IT INCLUDES NECESSARY FEDERAL STATEMENTS AS REQUIRED BY THE ELECTRONIC FUND TRANSFER ACT (15 U.S.C. SECTION 1693 ET SEQ) AND ANY SPECIAL INSTRUCTIONS REGARDING THE USE OF YOUR VISA PFFCU DEBIT CARD ("CARD"), OUR AUDIO RESPONSE SYSTEM ("BANK BY PHONE24-HOUR EXPRESS BANKER"), OUR INTERNET ACCOUNT ACCESS SYSTEM ("ONLINE BANKING"), AND OUR MOBILE INTERNET ACCOUNT ACCESS REMOTE DEPOSIT SYSTEM ("MOBILE BANKINGDEPOSIT"), EACH WITH THEIR CORRESPONDING PERSONAL IDENTIFICATION NUMBER (PIN) OR ACCESS CODE, CODE AND ANY CHECKS YOU AUTHORIZE TO BE PROCESSED ELECTRONICALLY ("E-CHECK"). VISA PFFCU DEBIT CARD, BANK BY PHONE24-HOUR EXPRESS BANKER, ONLINE BANKING, MOBILE BANKING,