Common use of Joint Accounts Clause in Contracts

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, under the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds.

Joint Accounts. If any of your accounts accessed under this is a Agreement are joint Accountaccounts, You agree to all joint owners including any authorized users, shall be jointly and severally liable, under bound by the terms and conditions of this Agreement. You understand and agree that any Account joint owner you authorize to use an access device that code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is requested authorized to act for the others, and approved will be mailed only to the primary accountholder at the address that We have for You we may accept orders and instructions regarding any transaction on fileany account from any owner. We may can refuse to follow any instructions which run counter to this provisionconflicting instructions. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability Reversal of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSTransactions. You may use Your not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no “float” time and therefore there is no effective way of stopping the transaction. LIABILITY FOR UNAUTHORIZED USE. Tell us AT ONCE if you believe your ATM or Debit Card or any of your access codes have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in conjunction your account, plus your maximum overdraft line of credit, if any. For cards with Your the Visa logo, and PIN-less debit card transactions over Visa Networks (and the access codes associated with those cards): You will not be liable for any amount unless we can prove that you were grossly negligent in the handling of your card. If you write your PIN on your Card or otherwise keep the PIN with the Card, you may be liable for the unauthorized use. For cards without the Visa logo and PIN-less debit transactions with Visa Cards over non-Visa Networks (and the access codes associated with those cards): if you tell us within 2 business days after you learn of the loss or theft of your card or access code, you will be liable for no more than $50 if someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in ATMs and/or time. If a good reason (such other machines as a long trip or facilities as We may designate to: (aa hospital stay) make deposits kept you from telling us, we will extend the time periods. You are liable for all transfers or purchases made via your card(s), access code(s) or passwords that you authorize or allow. If you give your card, access code, or password to Your Share someone else, you are responsible for all transfers or Share Draft Account(s); (b) withdraw cash from Your Share purchases that that person makes with your card or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn via the balances service that he or she accesses, even if that person uses the card or code in Your deposit Accounts a way that You have with Usyou did not anticipate or intend. You may also revoke your permission for the other person to use Your Card your card by notifying us in writing, and allowing us reasonable time to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is acceptedact on your notification. If you believe your card or access code has been lost or stolen, call: (000) 000-0000 during normal business hours or write: Member Services, X.X. Xxx 00000, Xxxxxxxxx, XX 00000-0000. You do use Your Card for such transactionsshould also call this number or write to this address if you believe a transfer has been made using the information from your check without your permission. BUSINESS DAYS. For purposes of these disclosures, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsour business days are Monday through Friday. Holidays are not included.

Joint Accounts. If any of your accounts accessed under this is a Agreement are joint Accountaccounts, You agree to all joint owners including any authorized users, shall be jointly and severally liable, under bound by the terms and conditions of this Agreement. You understand and agree that any Account joint owner you authorize to use an access device that code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is requested authorized to act for the others, and approved will be mailed only to the primary accountholder at the address that We have for You we may accept orders and instructions regarding any transaction on fileany account from any owner. We may can refuse to follow any instructions which run counter to this provisionconflicting instructions. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability Reversal of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSTransactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "float" time and therefore there is no effective way of stopping the transaction. LIABILITY FOR UNAUTHORIZED USE. Tell us AT ONCE if you believe your ATM or Debit Card or any of your access codes have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For cards with the MasterCard logo: You will have no liability for unauthorized use Your of your MasterCard, provided that you have exercised reasonable care in safeguarding the Card from risk of loss or theft, and upon becoming aware of such loss or theft, you promptly report the loss or theft to us. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in conjunction time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You are liable for all transfers or purchases made via your card(s), access code(s) or passwords that you authorize or allow. If you give your card, access code, or password to someone else, you are responsible for all transfers or purchases that that person makes with Your PIN your card or via the service that he or she accesses, even if that person uses the card or code in ATMs and/or such other machines a way that you did not anticipate or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Usintend. You may also revoke your permission for the other person to use Your Card your card by notifying us in writing, and allowing us reasonable time to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is acceptedact on your notification. If you believe your card or access code has been lost or stolen, call: (000) 000-0000 during normal business hours or write: P.O. Box 1610 Auburn, AL 36831-1610. You do use Your Card for such transactionsshould also call this number or write to this address if you believe a transfer has been made using the information from your check without your permission. BUSINESS DAYS. For purposes of these disclosures, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsour business days are Monday through Friday. Holidays are not included.

Joint Accounts. If any of your accounts accessed under this is a Agreement are joint Accountaccounts, You agree all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to be jointly or from any savings and severally liable, under the terms of checking or loan accounts as provided in this Agreement. You understand that Each joint account owner, without the consent of any Account access device that other account owner, may, and hereby is requested authorized by every other joint account owner to, make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and approved the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner. Fees and Charges. There are certain charges for electronic funds transfer services. From time to time, the charges may be changed. We will notify you of any changes as required by applicable law. If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). The ATM surcharge will be mailed only debited from your account if you elect to complete the transaction or continue with the balance inquiry. Refer to the primary accountholder at separate “Rate Addendum and Schedule of Fees and Charges” for current fees Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. TELL US AT ONCE if you believe your card has been lost or stolen or if you believe someone has used your card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your card or card number without your permission, and was either a Visa or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM transactions or if you were grossly negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make including those made by card, code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call: (000) 000-0000 or write to: Partners Financial Federal Credit Union P.O. Box 2980 Henrico, VA 23228 Fax: (000) 000-0000 You should also call the number or write to the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits listed above if you believe a transfer has been made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed using the information from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsyour check without your permission.

Joint Accounts. If any of your accounts accessed under this is a Agreement are joint Accountaccounts, You agree to all joint owners including any authorized users, shall be jointly and severally liable, under bound by the terms and conditions of this Agreement. You understand and agree that any Account joint owner you authorize to use an access device that code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is requested authorized to act for the others, and approved will be mailed only to the primary accountholder at the address that We have for You we may accept orders and instructions regarding any transaction on fileany account from any owner. We may can refuse to follow any instructions which run counter to this provisionconflicting instructions. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability Reversal of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSTransactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "float" time and therefore there is no effective way of stopping the transaction. LIABILITY FOR UNAUTHORIZED USE. Tell us AT ONCE if you believe your ATM or Debit Card or any of your access codes have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. or cards with the xxxxx xxx logo You will have no liability for unauthorized use Your of your MasterCard, provided that you have exercised reasonable care in safeguarding the Card from risk of loss or theft, and upon becoming aware of such loss or theft, you promptly report the loss or theft to us. Under no circumstances, however, will you be liable for more than 50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as 500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in conjunction time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You are liable for all transfers or purchases made via your card(s), access code(s) or passwords that you authorize or allow. If you give your card, access code, or password to someone else, you are responsible for all transfers or purchases that that person makes with Your PIN your card or via the service that he or she accesses, even if that person uses the card or code in ATMs and/or such other machines a way that you did not anticipate or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Usintend. You may also revoke your permission for the other person to use Your Card your card by notifying us in writing, and allowing us reasonable time to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is acceptedact on your notification. If you believe your card or access code has been lost or stolen, call: (000) 000-0000 during normal business hours or write: P.O. Box 1610 Auburn, AL 36831-1610. You do use Your Card for such transactionsshould also call this number or write to this address if you believe a transfer has been made using the information from your check without your permission. BUSINESS DAYS. For purposes of these disclosures, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsour business days are Monday through Friday. Holidays are not included.

Joint Accounts. If any of your accounts accessed under this is a Agreement are joint Accountaccounts, You agree to all joint owners including any authorized users, shall be jointly and severally liable, under bound by the terms and conditions of this Agreement. You understand and agree that any Account joint owner you authorize to use an access device that code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is requested authorized to act for the others, and approved will be mailed only to the primary accountholder at the address that We have for You we may accept orders and instructions regarding any transaction on fileany account from any owner. We may can refuse to follow any instructions which run counter to this provisionconflicting instructions. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability Reversal of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSTransactions. You may use Your not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no “float” time and therefore there is no effective way of stopping the transaction. LIABILITY FOR UNAUTHORIZED USE. Tell us AT ONCE if you believe your ATM or Debit Card or any of your access codes have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in conjunction your account, plus your maximum overdraft line of credit, if any. For cards with Your the Visa logo, and PIN-less debit card transactions over Visa Networks (and the access codes associated with those cards): You will not be liable for any amount unless we can prove that you were grossly negligent in the handling of your card. If you write your PIN on your Card or otherwise keep the PIN with the Card, you may be liable for the unauthorized use. For cards without the Visa logo and PIN-less debit transactions with Visa Cards over non-Visa Networks (and the access codes associated with those cards): if you tell us within 2 business days after you learn of the loss or theft of your card or access code, you will be liable for no more than $50 if someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in ATMs and/or time. If a good reason (such other machines as a long trip or facilities as We may designate to: (aa hospital stay) make deposits kept you from telling us, we will extend the time periods. You are liable for all transfers or purchases made via your card(s), access code(s) or passwords that you authorize or allow. If you give your card, access code, or password to Your Share someone else, you are responsible for all transfers or Share Draft Account(s); (b) withdraw cash from Your Share purchases that that person makes with your card or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn via the balances service that he or she accesses, even if that person uses the card or code in Your deposit Accounts a way that You have with Usyou did not anticipate or intend. You may also revoke your permission for the other person to use Your Card your card by notifying us in writing, and allowing us reasonable time to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is acceptedact on your notification. If you believe your card or access code has been lost or stolen, call: (000) 000-0000 during normal business hours or write: Member Services, P.O. Box 40070, Arlington, VA 22204-7070. You do use Your Card for such transactionsshould also call this number or write to this address if you believe a transfer has been made using the information from your check without your permission. BUSINESS DAYS. For purposes of these disclosures, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsour business days are Monday through Friday. Holidays are not included.

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, under the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Viriva Community Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Mastercard Debit Card transactions transactions. You will also be issued a separate PIN and separate Access Codes Code to be used in conjunction with C.U. By Phone CU*Talk, It’sMe247 and C.U. At Home Online EBP transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share share Account or Your Share Draft share draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to withdraw cash from Your Share or Share Draft share, share draft and/or line of credit Account(s); (b) withdraw cash from transfer funds between Your Share or Share Draft share, share draft and/or line of credit Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your share and/or share draft Account(s) to cover any such transactions, provided You have available funds.); and

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, liable under the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder account holder at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt ATMs owned and operated by Philadelphia Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See ATM Card deposits are subject to a two-business-day hold (additional holds may apply - see Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your depositsDisclosure). ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS NUMBER AND ACCESS CODESSECURITY CODE NUMBER. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with Electronic Xxxx Xxxxx, ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Card, Check Card, Teller Phone and C.U. At Home Online transactionsTeller Net Electronic Fund Transfers. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Savings Account or and/or Your Share Draft Checking Account that You may have with Us to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CHECK CARD TRANSACTIONS. You may use Your Check Card in conjunction with Your PIN in ATMs and/or ATM machines or such other machines or facilities as We may designate todesignate. At the present time, You may make the following types of transactions: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s)deposit Accounts; (b) deposit money to Your deposit Accounts; (c) transfer funds between Your Share and Share Draft deposit Accounts; and (d) make cash advances from designated lines of credit that You may have with Us; (e) learn the balances in Your deposit Accounts that You have with Us; and (f) learn the outstanding balance(s) on lines of credit that You may have with Us. You may also use Your Check Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location business establishment where the Card it is acceptedhonored (See "Point of Sale" section). If ATM CARD TRANSACTIONS. You do may use Your ATM Card for in conjunction with Your PIN in ATM Machines, or such transactionsother machines or facilities as We may designate. At the present time, You authorize Us to withdraw funds up to may make the available balance following types of Your Account(s) to cover any such transactions, provided You have available funds.:

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, liable under the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt CME Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines processed each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM CME Cash Card and Debit CME MasterCard Great Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone CMEbyPhone, CME@Home, and C.U. At Home Online Mobile Banking transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft checking Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CME CASH CARD AND DEBIT CME MASTERCARD GREAT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your share and checking Account(s) that You may have with Us; (b) transfer funds from Your share and checking Accounts that You may have with Us; and (c) make deposits to Your Share or Share Draft share and checking Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You may have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft checking Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds.

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, under the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds.

Joint Accounts. If any of your accounts accessed under this is a Agreement are joint Accountaccounts, You agree all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to be jointly or from any savings and severally liable, under the terms of checking or loan accounts as provided in this Agreement. You understand that Each joint account owner, without the consent of any Account access device that other account owner, may, and hereby is requested authorized by every other joint account owner to, make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and approved the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner. Fees and Charges. There are certain charges for electronic funds transfer services. From time to time, the charges may be changed. We will notify you of any changes as required by applicable law. If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). The ATM surcharge will be mailed only debited from your account if you elect to complete the transaction or continue with the balance inquiry. Refer to the primary accountholder at separate Credit Union’s Fee Schedule for current fees Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft). If a transaction was made with your card or card number without your permission and was either a Visa or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card or access code. For all other EFT transactions, including ATM transactions or if you were grossly negligent in the handling of your account or card or access code, your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days after you learn of the loss or theft of your card or access code, you can lose no more than $50.00 if someone used your card or access code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card or access code and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed or electronically sent to you, you may not get back any money lost after the 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: (000) 000-0000 Fax: (000) 000-0000 or write to: Sweet Home Federal Credit Union 0000 Xxxxx Xxxx Xxxx Xxxxxxx, XX 00000 You should also call the number or write to the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits listed above if you believe a transfer has been made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed using the information from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsyour check without your permission.

Joint Accounts. If any of your accounts accessed under this is a Agreement are joint Accountaccounts, You agree to all joint owners including any authorized users, shall be jointly and severally liable, under bound by the terms and conditions of this Agreement. You understand and agree that any Account joint owner you authorize to use an access device that code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is requested authorized to act for the others, and approved will be mailed only to the primary accountholder at the address that We have for You we may accept orders and instructions regarding any transaction on fileany account from any owner. We may can refuse to follow any instructions which run counter to this provisionconflicting instructions. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability Reversal of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSTransactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "float" time and therefore there is no effective way of stopping the transaction. LIABILITY FOR UNAUTHORIZED USE. Tell us AT ONCE if you believe your Debit Card or any of your access codes have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For cards with the Mastercard logo: You will have no liability for unauthorized use Your of your Mastercard, provided that you have exercised reasonable care in safeguarding the Card from risk of loss or theft, and upon becoming aware of such loss or theft, you promptly report the loss or theft to us. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in conjunction time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You are liable for all transfers or purchases made via your card(s), access code(s) or passwords that you authorize or allow. If you give your card, access code, or password to someone else, you are responsible for all transfers or purchases that that person makes with Your PIN your card or via the service that he or she accesses, even if that person uses the card or code in ATMs and/or such other machines a way that you did not anticipate or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Usintend. You may also revoke your permission for the other person to use Your Card your card by notifying us in writing, and allowing us reasonable time to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is acceptedact on your notification. If you believe your card or access code has been lost or stolen, call: 000.000.0000 during normal business hours or write: Debit Card Services, P.O. Box 1365, Waynesboro, VA 22980. You do use Your Card for such transactionsshould also call this number or write to this address if you believe a transfer has been made using the information from your check without your permission. BUSINESS DAYS. For purposes of these disclosures, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsour business days are Monday through Friday. Holidays are not included.

Joint Accounts. If this is a joint Account, You agree each person on the Account, when they signed the credit card application, has agreed to be jointly and severally liable, under the terms and conditions of this Agreement/Disclosure. Each of you will be individually and jointly responsible for paying all amounts owed under this Agreement/Disclosure. This means that the Credit Union can require any one of you individually to repay the entire amount owed under this Agreement/Disclosure. Each of you authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the Account and the termination will be etfective as to all of you. EFFECT OF AGREEMENT — This Agreement/Disclosure is the contract which applies to all transactions on your Account even though the sales, cash advances, credit or other slips you sign or receive may contain ditferent terms. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. STATEMENTS & NOTICES — Statements and notices will be mailed to you at the most recent address you have given the Credit Union, unless you have elected to have E-statements. Notice sent to any one of you will be considered notice to all. FINAL EXPRESSION — This Agreement/Disclosure is the final expression of the terms and conditions of this MasterCard line of credit between you and the Credit Union. This written Agreement/Disclosure may not be contradicted by evidence of any alleged oral agreement. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement/Disclosure. You understand that any Account access device that is requested the use of your credit card will constitute acknowledgement of receipt and approved will be mailed only agreement to the primary accountholder terms of the credit agreement/disclosure. ELF323 DISCOVER THE DIFFERENCE. rev 08/2022 YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us In Case of Errors or Questions About Your Bill If you think your bill is wrong, or if you need more information about a transaction on your bill, write us on a separate sheet at the address that We have for You listed on fileyour bill. Write to us as soon as possible. We may refuse to follow any instructions must hear from you no later than sixty (60) days after we sent you the first bill on which run counter to this provisionthe error or problem appeared. DELAYED FUNDS AVAILABILITY NOTICEYou can telephone us, but doing so will not preserve your rights. Subject to Our Delayed Funds Availability PolicyIn your letter, deposits made at Cobalt Credit Union locations may not be posted to give us the following information: • Your Account until they are received name and verified by Usaccount number. All deposited items are removed from machines each business day• The dollar amount of the suspected error. We • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is acceptedsure about. If You do use Your Card for such transactionsyou have authorized us to pay your credit card bill automatically from your savings or share draft account, You authorize Us you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three (3) business days before the automatic payment is scheduled to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsoccur.

Joint Accounts. If this is The joint user must be listed as secondary user when you register for KEMBA OnLine Bill Pay. You confirm that your joint account holder listed has consented for you to use that account with KEMBA OnLine Bill Pay. We will end your use of KEMBA OnLine Bill Pay if any joint account holder notifies us that (a) they never consented to you the use of KEMBA OnLine Bill Pay, (b) the joint account can no longer be operated on your instructions alone, (c) they are withdrawing consent for you to operate the joint account, or (d) KEMBA has no record of a joint Account, You agree to be jointly and severally liable, under the terms of this Agreementaccount. You understand that any Account access device KEMBA PEORIA CREDIT UNION RESPONSIBLITIES AND WARRANTIES KEMBA is not responsible for a Bill Payment that is requested and approved will be mailed only to not made if you did not properly follow the primary accountholder at the address that We have instructions for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business daymaking a Bill Payment or if you enter an incorrect Share Draft/Checking number. We are not liable for any failure to make a Bill Payment if you fail to promptly notify KEMBA after you learn that you have not received credit from a Payee for a Bill Payment. KEMBA is not responsible for delays your acts or omissions or those of any other person, including, without limitation, any transmission or communications facility, and no such party shall be deemed to be KEMBA’s agent. In any event, KEMBA will not be liable for any special, consequential, incidental, or punitive losses, damages, or expenses in deposit posting due connection with this Agreement or the Service, even if KEMBA has knowledge of the possibility of them. KEMBA is not liable for any act, failure to improper identification act or delay in acting if it is caused, in whole or in part, by any cause beyond KEMBA’s reasonable control. If we do not provide a bill payment instruction on time, if we cause an incorrect amount to be removed from an account or if we cause funds from an account to be transferred to any account other than the deposit envelopeaccount or payee’s account specified in the appropriate bill payment instruction, we shall be responsible for returning the improperly transferred funds and/or for directing any misdirected funds to the proper account or intended payee’s account. See Our Funds Availability Policy Disclosure for Our policy regarding LIMITATIONS OF KEMBA’S LIABILITY, EXCLUSIONS, OR WARRANTIES UNLESS OTHERWISE REQUIRED BY LAW, WE SHALL NOT BE RESPONSIBLE FOR ANY LOSS OR DAMAGE CAUSED BY THE SERVICE. NOR SHALL OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUCCESSORS OR ASSIGNEES BE LIABLE FOR DIRECT, INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES, INCLUDING BUT NOT LIMITED TO, LOSS RESULTING FROM BUSINESS DISRUPTION, LOSS OF DATA, LOSS PROFITS, LOST GOODWILL, OR DAMAGE TO SYSTEMS OR DATA, WHETHER IN AN ACTION FOR CONTRACT, TORT (INCLUDING NEGLIGENCE) OR OTHERWISE, EVEN IF KEMBA OR ANY OTHER PARTY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR LIABILITY SHALL BE LIMITED TO DIRECT DAMAGES SUSTAINED BY YOU AND ONLY TO THE EXTENT SUCH DAMAGES ARE A DIRECT RESULT OF OUR GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, PROVIDED THAT THE MAXIMUM AGGREGATE LIABILITY OF US RESULTNG FROM ANY SUCH CLAIMS SHALL NOT EXCEED THE TOTAL FEES PAID BY YOU FOR THE SERVICE RESULTING IN SUCH LIABILITY IN THE TWO MONTH PERIOD PRECEEDING THE DATE THE CLAIM WAS ACCRUED. KEMBA DOES NOT WARRANT THE ACCURACY OF THE CONTENT OR OTHER INFORMATION CONTAINED ON THE WEB SITE. KEMBA DOES NOT WARRANT THAT THE WEB SITE OR THE SERVICES WILL MEET YOUR REQUIREMENTS, WILL BE ERROR-FREE, OR THAT ALL DEFECTS WILL BE CORRECTED. FURTHERMORE, KEMBA WILL NOT BE RESPONSIBLE FOR ERRORS, OMISSIONS, INTERRUPTIONS, DELETIONS, DEFECTS, COMMUNICATION LINE FAILURES, DELAYS IN THE OPERATION OR TRANSMISSION OF THE WEB SITE, OR FOR COMPUTER VIRUSES ASSOCIATED WITH THE OPERATION OF THE WEB SITE. WARRANTY AMENDMENTS These Terms and Conditions are the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODESlegal binding agreement between KEMBA and you with respect to the Service, KEMBA may amend, modify, or update these terms and conditions at any time. You will be issued separate Personal Identification Numbers (PINs) agreeing to the current provision of these Terms and Conditions each time you make a payment using the Service. These Terms and Conditions may have been altered or amended from the last time you used the Service so be sure to read it each time before you make a payment to be used in conjunction certain you still agree with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactionsits provisions. Your use of Your PIN or Access Code is Your authorization the Service after any changes to Us these Terms and Conditions will constitute your agreement to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(schange(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds.

Joint Accounts. If this is a joint Accountaccount, You you agree to be jointly and severally liable, liable under the terms of this Agreement. You understand that any Account account access device that is requested and approved will be mailed only to the primary accountholder account holder at the address that We we have for You you on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICEDelayed Funds Availability Notice. Subject to Our our Delayed Funds Availability Policy, deposits made at Cobalt OUR Credit Union locations may not be posted to Your Account your account until they are received and verified by Usus. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our our Funds Availability Policy Disclosure for Our our policy regarding the availability of Your your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODESIssuance of Personal Identification Numbers and Access Codes. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM Card and Mastercard Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone TOPS and C.U. At Home Online Banking transactions. Your use of Your your PIN or Access Code is Your your authorization to Us us to withdraw withdrawal funds from Your Share Account your share account or Your Share Draft Account your share draft/ checking account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSCard Transactions. You may use Your Card your card in conjunction with Your your PIN in ATMs and/or any such other machines or facilities as We we may designate to: (a) make deposits to Your Share or Share Draft Account(s)withdraw cash from your share and share draft/checking account(s) that you may have with us; (b) withdraw cash from Your Share or Share Draft Account(s)transfer funds between your share and share draft/checking accounts that you may have with us; (c) transfer funds between Your Share make deposits to your share and Share Draft Accountsshare draft/checking account(s) that you may have with us; and (d) learn the balances in Your deposit Accounts that You have with Usmake loan and account balance inquiries. You may also use Your Card your card together with your PIN to make Point of Sale (POS) withdrawals from Your Share Draft Account your share draft/checking account and to purchase goods and services at any location where the Card card is accepted. If You you do use Your Card your card for such transactions, You you authorize Us us to withdraw withdrawal funds up to the available balance of Your Account(syour account(s) to cover any such transactions, provided You you have available funds. At the present time ATM and POS withdrawals are subject to a combined maximum daily amount (share, line of credit and share draft combined) of not more than $750.00 (at your option as low as $50.00 per day), provided you have enough money in your accounts. For security reasons, there are limits on the number of transactions you can make using our ATM Card service. Mastercard Debit Card Transaction. You may use your card in conjunction with your PIN in ATMs and/or any such other machines or facilities as we may designate to: (a) withdraw cash from your share and share draft/checking account(s) that you may have with us; (b) transfer funds between your share and share draft/checking accounts that you may have with us; (c) make deposits to your share and share draft/checking account(s) that you may have with us; and (d) make loan and account balance inquiries. You may also use your card together with your PIN to make Point of Sale (POS) withdrawals from your share draft/checking account and to purchase goods and services at any location where the card is accepted. If you do use your card for such transactions, you authorize us to withdrawal funds up to the available balance of your account(s) to cover any such transactions, provided you have available funds. At the present time ATM and POS withdrawals are subject to a combined maximum daily amount (share, line of credit and share draft combined) of not more than $750.00 (at your option as low as $50.00 per day), provided you have enough money in your accounts, whereas POS withdrawals involving your signature are subject to a maximum daily amount (share, line of credit and share draft combined) or not more than $3,000 (at your option as low as $50.00 per day) provided you have enough money in your accounts. For security reasons, there are limits on the number of transactions you can make using our Mastercard Debit Card service. TOPs Transactions. You may use TOPS in conjunction with your Access Code to make the following types of transactions on designated accounts; (a) telephone transfers of funds between your share and share draft/checking account(s); (b) telephone withdrawal of funds from your share and share draft/checking account(s); (c) make payments on loan accounts with us from your share and share draft/checking account(s); (d) make advances from your line of credit account(s) that you may have with us; and (e) miscellaneous inquiries on credit union services that affect your account. TOPs operates 24 hours every day. If you attempt to use the system and are told that “the system is not available”, please call back later when service is restored.

Joint Accounts. If any of your accounts accessed under this is a Agreement are joint Accountaccounts, You agree all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to be jointly or from any savings and severally liable, under the terms of checking or loan accounts as provided in this Agreement. You understand that Each joint account owner, without the consent of any Account access device that other account owner, may, and hereby is requested authorized by every other joint account owner to, make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and approved the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner. Fees and Charges. There are certain charges for electronic funds transfer services. From time to time, the charges may be changed. We will notify you of any changes as required by applicable law. If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). The ATM surcharge will be mailed only debited from your account if you elect to complete the transaction or continue with the balance inquiry. Refer to the primary accountholder at separate “Rate Addendum and Schedule of Fees and Charges” for current fees Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. TELL US AT ONCE if you believe your card has been lost or stolen or if you believe someone has used your card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction was made with your card or card number without your permission, and was either a MasterCard or Interlink transaction, you will have no liability for the transaction, unless you were grossly negligent in the handling of your account or card. For all other EFT transactions, including ATM/ITM transactions or if you were grossly negligent in the handling of your account or card, your liability for an unauthorized transaction is determined as follows. If you tell us within two (2) business days you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card, and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make including those made by card, code or other means, TELL US AT ONCE. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back any money lost after the sixty (60) days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call 518-382–0605 or 866- SUNMARK (866-786-6275) or write to: Member Solution Center Sunmark Credit Union PO Box 16370 Albany, NY 12212-6370 You should also call the number or write to the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits listed above if you believe a transfer has been made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed using the information from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsyour check without your permission.

Joint Accounts. If any of your accounts accessed under this is a Agreement are joint Accountaccounts, You agree to all joint owners including any authorized users, shall be jointly and severally liable, under bound by the terms and conditions of this Agreement. You understand and agree that any Account joint owner you authorize to use an access device that code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is requested authorized to act for the others, and approved will be mailed only to the primary accountholder at the address that We have for You we may accept orders and instructions regarding any transaction on fileany account from any owner. We may can refuse to follow any instructions which run counter to this provisionconflicting instructions. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability Reversal of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSTransactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "float" time and therefore there is no effective way of stopping the transaction. LIABILITY FOR UNAUTHORIZED USE. Tell us AT ONCE if you believe your ATM or Debit Card or any of your access codes have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. For cards with the MasterCard logo: You will have no liability for unauthorized use Your of your MasterCard, provided that you have exercised reasonable care in safeguarding the Card from risk of loss or theft, and upon becoming aware of such loss or theft, you promptly report the loss or theft to us. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in conjunction time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You are liable for all transfers or purchases made via your card(s), access code(s) or passwords that you authorize or allow. If you give your card, access code, or password to someone else, you are responsible for all transfers or purchases that that person makes with Your PIN your card or via the service that he or she accesses, even if that person uses the card or code in ATMs and/or such other machines a way that you did not anticipate or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Usintend. You may also revoke your permission for the other person to use Your Card your card by notifying us in writing, and allowing us reasonable time to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is acceptedact on your notification. If you believe your card or access code has been lost or stolen, call: 000.000.0000 during normal business hours or write: Clearwater Credit Union, 0000 Xxxxxx Xx, Missoula, MT 59801. You do use Your Card for such transactionsshould also call this number or write to this address if you believe a transfer has been made using the information from your check without your permission. BUSINESS DAYS. For purposes of these disclosures, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsour business days are Monday through Friday. Holidays are not included.

Joint Accounts. If this is opened in more than one name, your account will be treated as a joint Accountaccount with right of survivorship. If one owner dies, You agree to be jointly and severally liable, under the terms of this Agreement. You understand that any Account access device that is requested and approved funds will be mailed only payable to the primary accountholder at surviving owner(s). The TIN assigned to the address account for IRS reporting purposes shall be that We of the first listed owner. Any account owner may withdraw any or all of the funds, regardless of any information we may have for You regarding actual ownership of the funds on filedeposit. We may honor instructions concerning the account from any account owner or the legal representative of any account owner, including instructions regarding account closure, account re-titling, and/or the removal of account owners. Each joint account owner guarantees the signature of the other joint owner(s). All owners on a joint account are jointly and individually liable for any overdrafts created in the account, regardless of which joint owner made the withdrawal overdrawing the account or who benefited from the payment. All owners must sign a permanent signature card and provide the required documentation of identity. Failure to provide us with this completed document may result in the Bank’s refusal to negotiate checks or payment orders against the account. For your convenience, we may allow you to establish a joint account, even if only one joint account owner signs the signature card. If we allow you to do this, you agree to indemnify and hold us harmless from and against losses we may incur, or other harm arising from, or in any way relating to, establishing your joint account without having a signature card signed by another joint account owner. By transacting any business on the joint account, a joint account owner who has not signed the account’s signature card agrees to be bound by this Agreement, the Consumer Banking Fee Schedule, and any other applicable agreement. If any joint account owner has not provided us with a signed signature card, your joint account may not qualify as a joint account for purposes of Federal Deposit Insurance coverage under applicable law concerning inheritance or the transfer of property upon death. We reserve the right to refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may pay or honor checks and other orders of withdrawal signed by a joint account owner who has not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business daysigned the account’s signature card. We are not responsible may, in our sole discretion, convert your joint account into an individual account. Each joint account owner hereby appoints each other joint owner as his or her agent for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability purpose of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and requesting services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up relating to the available balance of Your Account(s) to cover any account, such transactionsas ATM or debit cards, provided You have available fundsOnline Banking, and telephone banking.

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, under the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder at the address that We have for You on file. We may refuse to follow any instructions which that run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Xxxxx Xxxxxxx Federal Credit Union ATM locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate ), passwords, and/or Access Codes to be used in conjunction with C.U. By Phone ATM Card, Visa Debit Card, TeleBranch 24, Bill Payment, and C.U. At Home Online Internet Branch transactions. Your use of Your PIN or PIN, password, and/or Access Code is Your authorization to Us to withdraw funds from Your Share Savings Account or Your Share Draft Checking Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your ATM Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share Savings or Share Draft Checking Account(s), up to a maximum amount of $1,000.00 (reduced to $500.00 when the network is down or Our system is otherwise offline) per business day; (cb) transfer funds between Your Share Savings and Share Draft Checking Accounts; and (dc) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds.; and

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, under the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt SAC Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds.

Joint Accounts. If this account is a held by more than one person, all of the joint Account, You and beneficial holders are jointly and severally liable to BLUECHIP FINANCIALS MARKET LIMITED for any and all obligations arising out of all transactions in the account and each agree to be jointly bound by all the terms and severally liableconditions of this Agreement. In addition, under each person named on this account has authority: A to trade for the account subject to this Trading Policy, B to receive all correspondence and documents in respect to the account, C to receive or withdraw money from the account, D to execute agreements relating to the account, and E to deal with BLUECHIP FINANCIALS MARKET LIMITED fully. BLUECHIP FINANCIALS MARKET LIMITED, nevertheless, has the authority to require joint action by the parties to the account in matters relating to the account. BLUECHIP FINANCIALS MARKET LIMITED has possession over the collateral in the account, whether owned by the holders individually or jointly. If a death occurs to one or more of the holders, BLUECHIP FINANCIALS MARKET LIMITED shall be notified in writing and shown proof of a death certificate. All expenses due at the date of notification shall be charged to the account. Unless the Account Application Form for Joint Account states otherwise, then each holder is presumed to have an equal share in the account. 20 CREDIT INFORMATION BLUECHIP FINANCIALS MARKET LIMITED, without notifying Client, shall have the right to exchange Client's personal and credit information with certain government authorities and other third parties legally entitled to obtain such information, for contract and compliance purposes. BLUECHIP FINANCIALS MARKET LIMITED shall have the right to investigate and verify the identity of the Client for determining the financial conditions and compliance with certain laws such as laws about money laundering, international boycott and Transactions with specially designated nationals. All other uses of Client personal and credit information shall be subject to the policy of BLUECHIP FINANCIALS MARKET LIMITED. Client also authorizes BLUECHIP FINANCIALS MARKET LIMITED to investigate his/her/its background and credit standing (and credit standing of his spouse and children, if any) and to request a report for verify the information about his/her/its identity (Trading PIN) and the source of the payments to enable BLUECHIP FINANCIALS MARKET LIMITED to determine the eligibility of Client to open an account and for any legitimate business purposes. Client also authorizes BLUECHIP FINANCIALS MARKET LIMITED in this regard to contact financial institutions regarding the foregoing. ADJUSTMENTS TO AGREEMENT Client agrees that BLUECHIP FINANCIALS MARKET LIMITED may change, add, or cancel any of the terms and conditions of this Agreement at any time by notifying such modification and their effective date on the BLUECHIP FINANCIALS MARKET LIMITED's website and/or notifying thereof by e- mail at the e-mail address as provided to BLUECHIP FINANCIALS MARKET LIMITED. Upon the completion of this procedure Client and BLUECHIP FINANCIALS MARKET LIMITED shall be legally bound by the modification regardless of whether Client receives the email or not. BLUECHIP FINANCIALS MARKET LIMITED may change its services at any time by making changes on its website and shall not be obliged to provide Client any separate notice concerning such change. If Client does not agree on the amendment, Client shall promptly notify BLUECHIP FINANCIALS MARKET LIMITED in writing and cease to using BLUECHIP FINANCIALS MARKET LIMITED's services except as necessary to close the account. Client acknowledges that the use of BLUECHIP FINANCIALS MARKET LIMITED's services after the amendments to this agreement or modification to the service shall be deemed acceptance. FORCE MAJEUR BLUECHIP FINANCIALS MARKET LIMITED shall not be held liable in the event of force majeure and emergency situations such as suspension or delay of trading, war or earthquakes, unrest or communication line failure, electricity or equipment or software failure or any other cause beyond the control of the parties whether directly or indirectly or unauthorized access or theft or any problem technical or otherwise, which may prevent Client from entering, canceling or modifying an order or prevent BLUECHIP FINANCIALS MARKET LIMITED from acting on an online order or instructions. If BLUECHIP FINANCIALS MARKET LIMITED determine that a force majeure event exist, BLUECHIP FINANCIALS MARKET LIMITED may, in its absolute discretion and without prior notice, at any time take one or more of the following steps; A Close any or all open contracts at any level that is appropriate B Suspend or modify the application of all or any of the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only Agreement to the primary accountholder at extent that the address that We have force Majeure event makes it impossible or impractical for You on fileBLUECHIP FINANCIALS MARKET LIMITED to comply with the term or terms in question. We may refuse C Alter the last time for trading for particular contract. D Take or omit to follow any instructions which run counter take all such other actions as BLUECHIP FINANCIALS MARKET LIMITED deem to this provisionbe reasonably appropriate in the circumstances having BLUECHIP FINANCIALS MARKET LIMITED positions, Client positions and the positions of other Client. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy23 In the event of the above events, deposits made at Cobalt Credit Union locations may BLUECHIP FINANCIALS MARKET LIMITED shall not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up liable to the available balance client for any claims, losses, damage, costs and expenses, including lawyers' fees, arising directly or indirectly out of Your Account(s) to cover any such transactions, provided You have available fundsevents.

Joint Accounts. If any of your accounts accessed under this is a Agreement are joint Accountaccounts, You agree all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to be jointly or from any savings and severally liable, under the terms of checking or loan accounts as provided in this Agreement. You understand that Each joint account owner, without the consent of any Account access device that other account owner, may, and hereby is requested authorized by every other joint account owner to, make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and approved the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner. Fees and Charges. There are certain charges for electronic funds transfer services. From time to time, the charges may be changed. We will notify you of any changes as required by applicable law. If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). The ATM surcharge will be mailed only debited from your account if you elect to complete the transaction or continue with the balance inquiry. Refer to the primary accountholder separate Credit Union’s Fee Schedule for current fees Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum line of credit). You are not liable for an unauthorized MasterCard debit card transaction that was not conducted at an ATM if you can demonstrate that you exercised reasonable care in protecting your Card from loss or theft, you have not reported two or more incidents of unauthorized use in the past twelve (12) months, and your account is in good standing. Otherwise your liability for an unauthorized MasterCard debit card transaction that was not conducted at an ATM will be no more than $50.00. For all other EFT transactions involving access devices, including transactions conducted at ATM’s, your liability for unauthorized transactions is determined as follows. If you tell us within two (2) business days after you learn of the loss or theft of your Card or code, you can lose no more than $50.00 if someone used your Card or code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission had you told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed or electronically sent to you, you may not get back any money lost after the 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: (000) 000-0000 or (000) 000-0000 or write to: Priority First Federal Credit Union 000 Xxxxxx Xxxxx DuBois, PA 15801 Fax: (000) 000-0000 You should also call the number or write to the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits listed above if you believe a transfer has been made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed using the information from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsyour check without your permission.

Joint Accounts. If this is a joint Accountaccount, You you agree to be jointly and severally liable, under the terms of this Agreement. You understand that any Account account access device that is requested and approved will be mailed only to the primary accountholder at the address that We we have for You you on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate asked to select a Personal Identification Numbers Number (PINsPIN) or Access Code to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online Banking transactions. Your use of Your your PIN or Access Code is Your your authorization to Us us to withdraw funds from Your your Share Account or Your Share Draft your Checking Account or to make advances on your Line of Credit that you may have with us to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSSERVICES. You At the present time, you may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate toour Online Banking system via a personal computer for the following services: (a) make deposits to Your Share or Share Draft Account(s)transfer funds between your deposit accounts and/or loan accounts; (b) withdraw cash from Your Share or Share Draft Account(s)payments on your loan accounts; (c) transfer funds between Your Share inquiries on account balances and Share Draft Accountsloan data; (d) withdrawals from deposit accounts; (e) transactions or inquiries on shares/deposits; (f) miscellaneous inquiries on credit union services that affect your account; (g) request a stop payment on a specific check that has not yet cleared; (h) obtain information about payroll deduction or direct deposit transactions; (i) check the status of an application for credit that you have submitted to us; and (dj) learn the balances in Your deposit Accounts make advances from your Line of Credit that You you may have with Usus. You may also use Your Card our Online Banking system to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is acceptedissue payments on your behalf. If You do use Your Card for such transactions, You authorize Us us to withdraw funds up post any such payments requested by you to your account(s). Payments requested by you through the use of our Online Banking system will be made either by check or electronic transfer and may take as long as 5 business days to be sent to the available balance payee. The credit union can not guarantee the time any payment will reach any of Your Account(s) to cover your creditors and accepts no liability for any such transactions, provided You have available fundsservice fees or late charges against you.

Joint Accounts. If any of your accounts accessed under this is a Agreement are joint Accountaccounts, You agree all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to be jointly or from any Savings and severally liable, under the terms of checking or loan accounts as provided in this Agreement. You understand that Each joint account owner, without the consent of any Account access device that other account owner, may, and hereby is requested authorized by every other joint account owner to, make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and approved the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner. Fees and Charges. There are certain charges for electronic funds transfer services. From time to time, the charges may be changed. We will notify you of any changes as required by applicable law. If you use an ATM not operated by us, you may be charged a fee by the ATM operator and by any national, regional, or local network used in processing the transaction (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). The ATM surcharge will be mailed only debited from your account if you elect to complete the transaction or continue with the balance inquiry. Refer to the primary accountholder separate Credit Union’s Fee Schedule for current fees Member Liability. You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your card or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. TELL US AT ONCE if you believe your card or access code has been lost or stolen, if you believe someone has used your card or access code or otherwise accessed your accounts without your authority, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum line of credit). You are not liable for an unauthorized VISA debit card transaction that was not conducted at an ATM if you can demonstrate that you exercised reasonable care in protecting your Card from loss or theft, you have not reported two or more incidents of unauthorized use in the past twelve (12) months, and your account is in good standing. Otherwise your liability for an unauthorized VISA debit card transaction that was not conducted at an ATM will be no more than $50.00. For all other EFT transactions involving access devices, including transactions conducted at ATM’s, your liability for unauthorized transactions is determined as follows. If you tell us within two (2) business days after you learn of the loss or theft of your Card or code, you can lose no more than $50.00 if someone used your Card or code without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card or code, and we can prove that we could have stopped someone from using your Card or code without your permission had you told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make including those made by card, access code or other means, TELL US AT ONCE. If you do not tell us within 60 days after the statement was mailed or electronically sent to you, you may not get back any money lost after the 60 days if we can prove that we could have stopped someone from making the transfers if you had told us in time. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen or that someone has transferred or may transfer money from your accounts without your permission, call: (000) 000-0000 or (000) 000-0000 or write to: Priority First Federal Credit Union 000 Xxxxxx Xxxxx XxXxxx, PA 15801 Fax: (000) 000-0000 You should also call the number or write to the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits listed above if you believe a transfer has been made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed using the information from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsyour check without your permission.

Joint Accounts. If this the Eligible Account is a joint Accountaccount, You agree you and any joint owner consent to be our disclosing all information concerning any xxxx payments, completed, pending, and scheduled, to any joint owner. A joint owner may use the same Eligible Account for his or her individual use of the Service. Each owner of the Eligible Account is jointly and severally liableliable for all obligations incurred by the other owner’s use of the Service. Each owner must individually enroll in the Service and, under the terms of this Agreementif so enrolled, each owner will have a separate Payee list and payment history. Payment Authorization When setting up Payees and payments in Xxxx Pay, you must provide us with information on your Payee accounts. You understand must make sure this information is accurate and complete, and you agree to update it as necessary to keep it accurate and complete. We will use this information to facilitate your use of the Service, and for accessing Payee websites on your behalf. By providing us with names and account information of Payees to whom you wish to direct payments, you authorize us to follow the payment instructions that any Account access device that is requested we receive from you. In order to process payments more efficiently and approved will be mailed only effectively, we may edit or alter payment data or data formats in accordance with Payee directives. There are limits to the primary accountholder amounts you can pay. The Xxxx Pay screens will notify you if you attempt to exceed a limit. Your limits may be adjusted from time-to-time at our sole discretion. You may log in to the address that We have for You on fileService to view your individual transaction limits. We also reserve the right to select the method in which to remit funds on your behalf though the Service, and in the event that your Eligible Account is closed or otherwise unavailable to us the method to return funds to you. These payment methods may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policyinclude, deposits made at Cobalt Credit Union locations but may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business daylimited to, an electronic or paper check or draft payment. We have no obligation to notify you if we cannot complete a payment because there are not sufficient available funds in your Eligible Account to process the payment. In that case, you are responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSmaking alternative payment arrangements. You may use Your Card make payments to anyone in conjunction with Your PIN in ATMs and/or such other machines the United States, including its territories. Payments to Payees outside the United States are prohibited. Scheduling a Payment We will display the earliest possible Scheduled Payment Date for each of your Payees when you are scheduling the payment. Some cut-off times may be earlier, and all cut-off times will be displayed for each Payee. Therefore, you cannot select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each Payee. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee’s billing statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non- Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late payment date or facilities grace period. Depending on the method of payment, your Eligible Account may be debited prior to the Scheduled Payment Date. For example, if the selected method of payment is a check, we will create a check known as We a Laser Draft and send it to the Payee. If the check arrives earlier than the Scheduled Payment Date due to faster than expected delivery by the postal service, and the Payee immediately deposits the check, your Eligible Account may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn be debited earlier than the balances in Your deposit Accounts that You have with UsScheduled Payment Date. You In some cases, we may also use Your Card issue a check drawn on an account of our Vendor to make Point a payment on your behalf. The Service Guarantee Due to circumstances beyond our control, particularly delays in the handling and posting of Sale (POS) withdrawals from Your Share Draft Account and payments by Payees, some transactions may take longer to purchase goods and services at be credited to your account with the Payee. We will be responsible for any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds late payment related charges up to $50.00 should a payment post after its Due Date as long as the available balance payment was scheduled in accordance with the Scheduling a Payment Section of Your Account(s) to cover any such transactions, provided You have available fundsthis Agreement above.

Joint Accounts. If I utilize the BayFedCards Service to access my accounts that are jointly owned, transactions performed on any such account by electronic means where my Password is utilized shall be considered authorized by me. All applicable fees will be charged as set forth in the Fee Schedules. ADDITIONAL DISCLOSURES APPLICABLE TO ATM ELECTRONIC FUNDS TRANSACTIONS, POINT-OF-SALE TRANSACTIONS, ONLINE BANKING TRANSACTIONS, MOBILE BANKING, BILL PAY, REMOTE DEPOSIT CAPTURE, FUNDS TRANSFERS, BAYFEDCARDS SERVICE, AND ELECTRONIC CHECK TRANSACTIONS‌ Right to Receive Documentation of Transactions. Transaction Receipt. I will receive a receipt at the time I make any transfer to or from my account using one of the ATMs or when I make a purchase using a POS terminal. I should retain this receipt to compare it with my statement from you. Periodic Statement. I will receive a monthly statement (unless there are no transfers in a particular month), for the account(s) which I have accessed using an Electronic Check Transaction, the ATMs, POS terminals, BayFedOnline Banking, BayFedMobile, Bill Pay, Remote Deposit Capture Service, Zelle, or other electronic funds transaction which will show the calendar date that I initiated the transfer, the type of transfer and the type of account(s) accessed by the transfer, and the amount of transfers occurring in that statement period. I will get a statement at least quarterly. BayFedOnline Banking, BayFedMobile, Remote Deposit Capture, or Bill Pay Transaction. I may print a record of any individual transaction conducted through the Service at any time after the transaction is completed. A fee may be charged for a joint Accountpaper copy, You agree subject to your Fee Schedules. My Liability for Unauthorized Transactions and AdVisabilityof Prompt Reporting. This Section does not apply to transactions requested or processed using Zelle. For information about my liability for unauthorized transactions request or processed using Zelle, I will see the Zelle Terms of Service. I must tell you at once if I believe my checks, Visa® Debit Card, Visa® Credit Card, BayFedOnline Banking, BayFedMobile, BayFedCards Service, Visa® Debit Card, or Visa® Credit Card PIN or Password (collectively “check(s), Card(s), and/or PIN(s)/Password(s)”) has been lost or stolen or if I believe that an electronic fund transfer has been made without my permission using information from my check. Telephoning is the best way of keeping my possible losses down. A written notification to you should follow my telephone call. I could lose all the money in my account (plus my maximum overdraft line of credit). However, if I believe my check(s), Card(s) and/or PIN(s)/ Password(s) has been lost or stolen, and I tell you within two (2) business days after I learn of the loss or theft, I can lose no more than $50.00 if someone used my check(s) (in an Electronic Check Transaction), my Card(s), and/or PIN(s)/Password(s) without my permission. If I do NOT tell you within two (2) business days after I learn of the loss or theft of my check(s), Card(s), and/or PIN(s) /Password(s) and you can prove you could have stopped someone from using my check(s), in an Electronic Check Transaction, and/or my Card(s) and/ or PIN(s)/Password(s) without my permission if I had told you, I could lose as much as $500.00. If I am using a Visa® consumer card, including credit or debit card, for transactions that take place on the Visa® network system, I understand that Visa® Operating Rules and Regulations provide for $0 liability for losses from unauthorized (fraudulent) activity. This does not apply to Visa® commercial cards, ATM transactions using a PIN (unless being used at a Plus or Visa Network) or non-Visa® PIN- Debit Network transactions. Also, if my statement shows transfers that I did not make, including those made by Card, PIN, or other means, I must tell you at once. If I do NOT tell you within sixty (60) days after the statement which shows the transfer was mailed to me, I may not get back any money I lost after the sixty (60) days if you can prove that you could have stopped someone from taking the money if I had told you in time. If I can document a good reason (such as a long trip or hospital stay) that kept me from telling you, you will extend the time period. Telephone Number and Address to be jointly and severally liableNotified in Event of an Unauthorized Transaction. If I believe my Card(s), under PIN(s)/ Password(s), or check(s) has been lost or stolen or that someone will or may use it to transfer money from my account(s) without my permission, I will telephone you at: 000.000.0000 or toll-free at 888.4BAYFED or write you at: BAY FEDERAL CREDIT UNION 0000 Xxxxxx Xxxxxx Capitola, CA 95010 ATTENTION: Member Service Center I should also contact the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed as listed above if I believe a transfer has been made using the information from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsmy check without my permission.

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, liable under the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder account xxxxxx at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt ATMs owned and operated by Philadelphia Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See ATM Card deposits are subject to a two-business-day hold (additional holds may apply - see Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your depositsDisclosure). ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS NUMBER AND ACCESS CODESSECURITY CODE NUMBER. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with Electronic Xxxx Xxxxx, ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Card, Check Card, Teller Phone and C.U. At Home Online transactionsTeller Net Electronic Fund Transfers. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Savings Account or and/or Your Share Draft Checking Account that You may have with Us to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CHECK CARD TRANSACTIONS. You may use Your Check Card in conjunction with Your PIN in ATMs and/or ATM machines or such other machines or facilities as We may designate todesignate. At the present time, You may make the following types of transactions: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s)deposit Accounts; (b) deposit money to Your deposit Accounts; (c) transfer funds between Your Share and Share Draft deposit Accounts; and (d) make cash advances from designated lines of credit that You may have with Us; (e) learn the balances in Your deposit Accounts that You have with Us; and (f) learn the outstanding balance(s) on lines of credit that You may have with Us. You may also use Your Check Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location business establishment where the Card it is acceptedhonored (See "Point of Sale" section). If ATM CARD TRANSACTIONS. You do may use Your ATM Card for in conjunction with Your PIN in ATM Machines, or such transactionsother machines or facilities as We may designate. At the present time, You authorize Us to withdraw funds up to may make the available balance following types of Your Account(s) to cover any such transactions, provided You have available funds.:

Joint Accounts. If this is a joint Account, You agree each person on the Account, when they signed the credit card application, has agreed to be jointly and severally liable, under the terms and conditions of this Agreement/Disclosure. Each of you will be individually and jointly responsible for paying all amounts owed under this Agreement/Disclosure. This means that the Credit Union can require any one of you individually to repay the entire amount owed under this Agreement/Disclosure. Each of you authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the Account and the termination will be effective as to all of you. EFFECT OF AGREEMENT — This Agreement/Disclosure is the contract which applies to all transactions on your Account even though the sales, cash advances, credit or other slips you sign or receive may contain different terms. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. STATEMENTS & NOTICES — Statements and notices will be mailed to you at the most recent address you have given the Credit Union, unless you have elected to have E-statements. Notice sent to any one of you will be considered notice to all. FINAL EXPRESSION — This Agreement/Disclosure is the final expression of the terms and conditions of this MasterCard line of credit between you and the Credit Union. This written Agreement/Disclosure may not be contradicted by evidence of any alleged oral agreement. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement/Disclosure. You understand that any Account access device that is requested the use of your credit card will constitute acknowledgement of receipt and approved will be mailed only agreement to the primary accountholder terms of the credit agreement/disclosure. ELF323 DISCOVER THE DIFFERENCE. rev 02/2020 YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us In Case of Errors or Questions About Your Xxxx If you think your xxxx is wrong, or if you need more information about a transaction on your xxxx, write us on a separate sheet at the address that We have for You listed on fileyour xxxx. Write to us as soon as possible. We may refuse to follow any instructions must hear from you no later than sixty (60) days after we sent you the first xxxx on which run counter to this provisionthe error or problem appeared. DELAYED FUNDS AVAILABILITY NOTICEYou can telephone us, but doing so will not preserve your rights. Subject to Our Delayed Funds Availability PolicyIn your letter, deposits made at Cobalt Credit Union locations may not be posted to give us the following information: • Your Account until they are received name and verified by Usaccount number. All deposited items are removed from machines each business day• The dollar amount of the suspected error. We • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is acceptedsure about. If You do use Your Card for such transactionsyou have authorized us to pay your credit card xxxx automatically from your savings or share draft account, You authorize Us you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three (3) business days before the automatic payment is scheduled to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsoccur.

Joint Accounts. If this the Eligible Account is a joint Accountaccount, You agree you and any joint owner consent to be our disclosing all information concerning any bill payments, completed, pending, and scheduled, to any joint owner. A joint owner may use the same Eligible Account for his or her individual use of the Service. Each owner of the Eligible Account is jointly and severally liableliable for all obligations incurred by the other owner’s use of the Service. Each owner must individually enroll in the Service and, under the terms of this Agreementif so enrolled, each owner will have a separate Payee list and payment history. Payment Authorization When setting up Payees and payments in Bill Pay, you must provide us with information on your Payee accounts. You understand must make sure this information is accurate and complete, and you agree to update it as necessary to keep it accurate and complete. We will use this information to facilitate your use of the Service, and for accessing Payee websites on your behalf. By providing us with names and account information of Payees to whom you wish to direct payments, you authorize us to follow the payment instructions that any Account access device that is requested we receive from you. In order to process payments more efficiently and approved will be mailed only effectively, we may edit or alter payment data or data formats in accordance with Payee directives. There are limits to the primary accountholder amounts you can pay. The Bill Pay screens will notify you if you attempt to exceed a limit. Your limits may be adjusted from time-to-time at our sole discretion. You may log in to the address that We have for You on fileService to view your individual transaction limits. We also reserve the right to select the method in which to remit funds on your behalf though the Service, and in the event that your Eligible Account is closed or otherwise unavailable to us the method to return funds to you. These payment methods may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policyinclude, deposits made at Cobalt Credit Union locations but may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business daylimited to, an electronic or paper check or draft payment. We have no obligation to notify you if we cannot complete a payment because there are not sufficient available funds in your Eligible Account to process the payment. In that case, you are responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSmaking alternative payment arrangements. You may use Your Card make payments to anyone in conjunction with Your PIN in ATMs and/or such other machines the United States, including its territories. Payments to Payees outside the United States are prohibited. Scheduling a Payment We will display the earliest possible Scheduled Payment Date for each of your Payees when you are scheduling the payment. Some cut-off times may be earlier, and all cut-off times will be displayed for each Payee. Therefore, you cannot select a Scheduled Payment Date less than the earliest possible Scheduled Payment Date designated for each Payee. When scheduling payments you must select a Scheduled Payment Date that is no later than the actual Due Date reflected on your Payee’s billing statement unless the Due Date falls on a non-Business Day. If the actual Due Date falls on a non- Business Day, you must select a Scheduled Payment Date that is at least one (1) Business Day before the actual Due Date. Scheduled Payment Dates must be prior to any late payment date or facilities grace period. Depending on the method of payment, your Eligible Account may be debited prior to the Scheduled Payment Date. For example, if the selected method of payment is a check, we will create a check known as We a Laser Draft and send it to the Payee. If the check arrives earlier than the Scheduled Payment Date due to faster than expected delivery by the postal service, and the Payee immediately deposits the check, your Eligible Account may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn be debited earlier than the balances in Your deposit Accounts that You have with UsScheduled Payment Date. You In some cases, we may also use Your Card issue a check drawn on an account of our Vendor to make Point a payment on your behalf. The Service Guarantee Due to circumstances beyond our control, particularly delays in the handling and posting of Sale (POS) withdrawals from Your Share Draft Account and payments by Xxxxxx, some transactions may take longer to purchase goods and services at be credited to your account with the Payee. We will be responsible for any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds late payment related charges up to $50.00 should a payment post after its Due Date as long as the available balance payment was scheduled in accordance with the Scheduling a Payment Section of Your Account(s) to cover any such transactions, provided You have available fundsthis Agreement above.

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, liable under the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt CME Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines processed each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM CME Cash Card and Debit CME VISA Great Card transactions and separate Access Codes to be used in conjunction with C.U. By CME by Phone and C.U. At Home Online CME@Home transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft checking Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CME CASH CARD AND DEBIT CME VISA GREAT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your share and checking Account(s) that You may have with Us; (b) transfer funds from Your share and checking Accounts that You may have with Us; and (c) make deposits to Your Share or Share Draft share and checking Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You may have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft checking Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds.

Joint Accounts. If this two or more people open a deposit account together, that account is classified as a “joint account with survivorship – not as tenants in common” or “multiple-party account with right of survivorship”. The people opening the deposit account are referred to as “joint tenants.” For accounts classified as a “joint account with survivorship – not as tenants in common” or “multiple- party account with right of survivorship” the death of a joint Accounttenant entitles the surviving tenant(s) with the right to all the funds in the deposit account, You agree subject to be WEST BANK’s right of setoff and security interest in the deposit account. If more than one joint tenant survives, they will continue to own the deposit account as joint tenants with survivorship and not as tenants in common. All joint tenants are “owners” of the deposit account. Each joint tenant may deposit, withdraw or transfer any or all funds in the account, and each has authority to enter into transactions on behalf of all other joint tenants. Each joint tenant guarantees the signatures of the other(s) and authorize(s) the other(s) to endorse checks for deposit if they are payable to any other joint tenant. All joint tenants are jointly and severally liableliable for all stop payment orders, under overdrafts, garnishments, levies, endorsements or withdrawals and any other claims against any other joint tenant. Each joint tenant authorizes WEST BANK to exercise its right of setoff and enforce its security interest on all funds in the terms joint account, even if only one of this Agreementthe joint tenants is obligated to WEST BANK and even if only one of the joint tenants has deposited funds into the account. You understand that Any joint tenant may close the account without the consent of any Account access device that other joint tenant, and notice provided by WEST BANK to any joint tenant is requested and approved will be mailed only the same as notice to the primary accountholder at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is acceptedall joint tenants. If You do use Your Card for such transactionsWEST BANK believes that there may be a dispute between joint tenants or if we receive inconsistent instructions, You authorize Us we may suspend or close the account, we may require a court order to withdraw funds up act, and/or we may require that all joint tenants agree in writing to any transaction concerning the available balance of Your Account(s) to cover any such transactions, provided You have available fundsaccount.

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, under the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt University Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM Card and Debit Check Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone Banking and C.U. At Home Online Internet Banking transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account Account(s) to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CHECK CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to withdraw cash from Your Share Money Market, Savings or Share Draft Checking Account(s); (b) withdraw cash from transfer funds between Your Share Money Market, Savings, Line of Credit or Share Draft Checking Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Money Market, Savings, Line of Credit, Loan or Checking Account(s); (d) make deposits to Your Card to make Point Money Market, Savings or Checking Account(s); (e) obtain advances on Your Line of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds.Credit; and

Joint Accounts. If this is a joint Accountaccount, You you agree to be jointly and severally liable, liable under the terms of this Agreement. You understand that any Account account access device that is requested and approved will be mailed only to the primary accountholder account holder at the address that We we have for You you on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICEDelayed Funds Availability Notice. Subject to Our our Delayed Funds Availability Policy, deposits made at Cobalt OUR Credit Union locations may not be posted to Your Account your account until they are received and verified by Usus. All deposited items are removed from machines each business day. We are not responsible respon- sible for delays in deposit posting due to improper identification on the deposit envelope. See Our our Funds Availability Policy Disclosure for Our our policy regarding the availability of Your your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODESIssuance of Personal Identification Numbers and Access Codes. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM Card and Debit MasterMoney Check Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone TOPS and C.U. At Home Online Banking transactions. Your use of Your your PIN or Access Code is Your your authorization to Us us to withdraw withdrawal funds from Your Share Account your share account or Your Share Draft Account your share draft/ checking account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSCard Transactions. You may use Your Card your card in conjunction with Your your PIN in ATMs and/or any such other machines or facilities as We we may designate to: (a) make deposits to Your Share or Share Draft Account(s)withdraw cash from your share and share draft/checking account(s) that you may have with us; (b) withdraw cash from Your Share or Share Draft Account(s)transfer funds between your share and share draft/checking accounts that you may have with us; (c) transfer funds between Your Share make deposits to your share and Share Draft Accountsshare draft/checking account(s) that you may have with us; and (d) learn the balances in Your deposit Accounts that You have with Usmake loan and account balance inquiries. You may also use Your Card your card together with your PIN to make Point of Sale (POS) withdrawals from Your Share Draft Account your share draft/checking account and to purchase goods and services at any location where the Card card is accepted. If You you do use Your Card your card for such transactions, You you authorize Us us to withdraw withdrawal funds up to the available balance of Your Account(syour account(s) to cover any such transactions, provided You you have available funds. At the present time ATM and POS withdrawals are subject to a combined maximum daily amount (share, line of credit and share draft combined) of not more than $500.00 (at your option as low as $50.00 per day), provided you have enough money in your accounts. For security reasons, there are limits on the number of transfers you can make using our ATM Card service. MasterMoney Check Card Transaction. You may use your card in conjunction with your PIN in ATMs and/or any such other machines or facilities as we may designate to: (a) withdraw cash from your share and share draft/checking account(s) that you may have with us; (b) transfer funds between your share and share draft/checking accounts that you may have with us; (c) make deposits to your share and share draft/checking account(s) that you may have with us; and (d) make loan and account balance inquiries. You may also use your card together with your PIN to make Point of Sale (POS) withdrawals from your share draft/checking account and to purchase goods and services at any location where the card is accepted. If you do use your card for such transactions, you authorize us to withdrawal funds up to the available balance of your account(s) to cover any such transactions, provided you have available funds. At the present time ATM and POS withdrawals are subject to a combined maximum daily amount (share, line of credit and share draft combined) of not more than $500.00 (at your option as low as $50.00 per day), provided you have enough money in your accounts, whereas POS withdrawals involving your signature are subject to a maximum daily amount (share, line of credit and share draft combined) or not more than $3,000 (at your option as low as $50.00 per day) provided you have enough money in your accounts. For security reasons, there are limits on the number of transfers you can make using our MasterMoney Check Card service. TOPs Transactions. You may use TOPS in conjunction with your Access Code to make the following types of transactions on designated accounts; (a) telephone transfers of funds between your share and share draft/checking account(s); (b) telephone withdrawal of funds from your share and share draft/checking account(s); (c) make payments on loan accounts with us from your share and share draft/checking account(s); (d) make advances from your line of credit account(s) that you may have with us; and (e) miscellaneous inquiries on credit union services that affect your account. TOPs oper- ates 24 hours every day. If you attempt to use the system and are told that “the system is not available”, please call back later when service is restored.

Joint Accounts. If this Your ATM or Debit Card is issued on a joint Account, You agree to be jointly and severally liable, liable under the terms of this Agreement. You understand that any Account access device ATM Card, Debit Card or PIN that is requested and approved will be mailed only to the primary accountholder at the address that We have on file for You on filethe cardholder that made the request. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union DFCU Financial locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM Card and Debit Card transactions and separate an Access Codes Code to be used in conjunction with C.U. By Phone and C.U. At Home Online Telephone Banking transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account Account, or make advances on Your Share Draft Account Credit Line with Us to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your ATM Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits withdraw cash from Your deposit Account(s) (except for IRA and Certificate Accounts) up to Your Share a maximum daily amount of $50.00, $60.00, $300.00 or Share Draft Account(s)$500.00 depending upon the option indicated by You at the time of application for the Card; (b) withdraw cash from transfer funds between Your Share or Share Draft Account(sdeposit Accounts (except for IRA and Certificate Accounts); (c) transfer funds between make cash advances from Your Share and Share Draft AccountsCredit Line with Us; (d) make payments on loan Accounts You may have with Us; and (de) learn the balances in Your deposit Accounts that You have with Us. You may also use Your ATM Card to make Point of Sale ("POS") withdrawals from Your Share Draft checking Account and to purchase goods and services at any location where the Card is accepted. POS withdrawals are subject to a maximum combined total of $5,000.00 per business day from Your checking Account that You may have with Us, subject in any event to Your available funds. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) and/or make advances on Your Credit Line with Us to cover any such transactions, provided You have sufficient available funds. DEBIT CARD TRANSACTIONS. You may use Your Debit Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your deposit Account(s) up to a maximum daily amount of $500.00; (b) transfer funds between Your savings and checking Accounts; (c) make cash advances from Your Credit Line with Us; (d) make payments on loan accounts You may have with Us; and (e) learn the balances in Your Accounts that You have with Us. You may also use Your Debit Card to make Point of Sale ("POS") withdrawals from Your checking Account and to purchase goods and services at any location where the Card is accepted. Debit Card purchase transactions processed through the MasterCard system are subject to a maximum combined total of $5,000.00 per business day from Your checking Account, savings Account and Your Credit Line that You may have with Us, subject in any event to Your available funds. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) and/or make advances on Your Credit Line with Us to cover such transactions, provided You have sufficient available funds.

Joint Accounts. If this there is a joint more than one SoFi Money Customer for an Account, You agree to be each is jointly and severally liable, liable for obligations arising under this Agreement and the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder at the address that We have for You on fileSoFi Money Account. We may refuse enforce this Agreement jointly against both SoFi Money Customers or against either individually. Each joint SoFi Money Customer has full authority, acting individually and without notice to, or approval from, the other SoFi Money Customer, to interact with, and provide direction to, SoFi Securities as if he/she were the sole SoFi Money Customer. For example, a joint SoFi Money Customer can write checks on the Account, withdraw or transfer funds into or out of the Account, or change Account features and services; provided however that one Account Holder may not remove the other’s name from the Account or change their personal information. We are authorized to follow any the instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business dayeither joint SoFi Money Customer. We are not responsible for delays determining the purpose, authenticity or propriety of an instruction we receive from any SoFi Money Customer. Please note that for joint Accounts, any SoFi Money Customer may apply for a SoFi Money Debit Card in deposit posting due to improper identification his or her own name. As a SoFi Money Customer you are responsible for all transaction activity occurring on any Debit Card issued on the deposit envelopeAccount. See Our Funds Availability Policy We reserve the right to require written instructions from all SoFi Money Customers, at our sole discretion. We also reserve the right, but are not obligated, to place restrictions on an Account in the event we receive notice of a dispute among, or conflicting instructions from, joint SoFi Money Customers. In addition, with joint Accounts, the principle of “notice to one is notice to all” applies, which means that any notice or Disclosure for Our policy regarding we send to one SoFi Money Customer will be deemed delivery of such notice or Disclosure to all joint SoFi Money Customers. All joint Accounts are opened naming both SoFi Money Customers as “joint tenants with right of survivorship”. In many jurisdictions this means that upon the availability death of Your depositsone SoFi Money Customer, the entire interest in the Account generally goes to the surviving SoFi Money Customer. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODESLaws covering joint accounts and community property vary by state. You are responsible for verifying how a joint Account will be issued separate Personal Identification Numbers (PINs) to be used treated in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSyour state. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits want to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsconsult your lawyer about this.

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, under the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Citadel Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODESPASSWORDS. You will be issued separate must select or otherwise choose Personal Identification Numbers (PINs) to be used in conjunction with ATM Card, Bank-By-Phone and Debit Card transactions and separate Access Codes a password to be used in conjunction with C.U. By Phone and C.U. At Home Online Online/Mobile Banking transactions. Your use of Your PIN or Access Code Password is Your authorization to Us to withdraw funds from Your Share Savings Account or Your Share Draft Checking Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your ATM Card in conjunction with Your PIN in ATMs and/or ATM machines or such other machines or facilities as We may designate todesignate. At the present time, You may make the following types of transactions: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s)Savings and Your Checking Accounts; (cb) transfer funds between Your Share Savings and Share Draft Your Checking Accounts; and (dc) learn the balances in Your deposit Share Savings and Your Checking Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location business establishment where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of from Your Account(s) Accounts to cover those and any such transactions, other transactions that You make provided You have available fundsfunds or available credit. DEBIT CARD TRANSACTIONS. You may use Your Debit Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to withdraw cash from Your deposit Accounts. You may also use Your Debit Card to purchase goods and services at any business establishment where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds from Your Accounts to cover those and any other transactions that You make provided You have available funds or available credit.

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, under the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICEFunds Availability Notice. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Space Coast Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelopeidentification. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODESIssuance of Personal Identification Numbers and Access Codes. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate and/or Access Codes to be used in conjunction with C.U. By Phone VISA Debit Card, Call-24, Online Banking and C.U. At Home Online BillPayer transactions. Your use of Your PIN or and/or Access Code is Your authorization to Us to withdraw funds from Your Share Savings Account, Checking Account or Your Share Draft Account Line of Credit to cover Cover such transactionsTransactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSVISA Debit Card Transactions. Once You have been issued a VISA Debit Card, You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your VISA Debit Card deposit Accounts that You have with Usand/or advances on Your VISA Debit Card Line of Credit up to a maximum of $400.00. You may also use Your VISA Debit Card to make Point of Sale (POS) withdrawals from Your Share Draft Account transactions and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) and/or Line of Credit to cover any such transactions, provided You have available funds.

Joint Accounts. If this In addition to the conditions listed in the next succeeding clause in the paragraph entitled ‘Authority’ with regards to join t Account holders, the following additional conditions apply. Where your trading Account held with ABRAJ GLOBAL, is a jointly owned by two or more beneficiaries: ▪ Each joint Account, You agree to Account holder will be jointly and severally liable, under liable for all obligations to ABRAJ GLOBAL arising in respect of your joint trading Account. ▪ Each of you is separately responsible for complying with the terms of this Agreement. You understand ▪ If there is a dispute between you which we know about, we may insist that any both or all of you authorize written instructions to us. Where you provide personal and financial information relating to other joint Account access device holders for the purpose of opening or administering your trading Account you confirm that is requested you have their consent or are otherwise entitled to provide this information to us and approved for us to use it in accordance with this Agreement. Any of you may request closure and the redirection of balances, unless there are circumstances that require us to obtain authorization from all of you. Each of you will be mailed only given sole access to the primary accountholder at the address that We have for You on filefunds initially deposited by you in your joint trading Account. We may refuse Should you wish to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policywithdraw these funds from your trading Account, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You you will be issued separate Personal Identification Numbers (PINs) required to complete and sign a withdrawal form, upon receipt of the completed and signed withdrawal form you will be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us granted permission by ABRAJ GLOBAL to withdraw funds up to the available balance of Your Account(s) to cover any such transactionsamount you initially deposited, provided You have available fundsthat the conditions for withdrawals stipulated in clause 9 are satisfied. ABRAJ GLOBAL will credit the amount withdrawn in the same bank account from where it was originally debited. In the case of withdrawal of profits, if any of you wish to withdraw profits from the joint trading Account, you will be required to complete and sign a withdrawal form, provided that the conditions for withdrawals stipulated in clause 9 are satisfied. Upon receipt of the completed and signed withdrawal form you will be granted permission by ABRAJ GLOBAL to withdraw any profits from the joint trading Account. ABRAJ GLOBAL will credit the amount of profits withdrawn in the same bank account from where it was originally debited. In order for this Agreement to be valid and binding it is required that all joint Account holders sign the Agreement and in case you and/or any of the Account holders wish to terminate this Agreement and close the joint trading Account held with the Company, the written consent of all Account holders shall be obtained in accordance with the provisions of clause 17 of this Agreement.

Joint Accounts. If this the accounts added to the Service are jointly held or have multiple signers, you agree that access to the information and all transactions initiated by the use of your Login Name and Password are authorized unless we have been notified to cancel the Service. In some cases, if your account(s) require two signatures for withdrawal, we may only grant view privileges to your Eligible Accounts through the Service. Laser Draft Payment – is a joint payment method similar to a check written by you on your Payment Account. Billers should receive Laser Draft Payments no later than the Scheduled Payment Date. Funds will be debited from your Payment Account by this Financial Institution after the Xxxxxx receives and processes the Laser Draft Payment. As a result, we cannot control when your Payment Account will be debited for a Laser Draft Payment. Payment Account - is the checking account from which Bill Payments will be debited. You agree must be a legal owner of any Payment Account registered for the Service. Payment Instruction - is the information provided by you to the Service for a Bill Payment to be jointly made to the Xxxxxx (such as, but not limited to, Xxxxxx name, Xxxxxx account number, and severally liableScheduled Payment Date). Scheduled Payment - is a Bill Payment that has been scheduled through the Service but has not begun processing. Scheduled Payment Date - is the day you want your Xxxxxx to receive your Bill Payment and is also the day your Payment Account will be debited, under unless the terms Scheduled Payment Date falls on a non-Business Day in which case it will be considered to be the previous Business Day. Service – means the Internet Banking and Bill Payment services offered by Litchfield National Bank through its Service Providers. Service Provider - includes any agent, licensor, independent contractor or subcontractor that this Financial Institution may involve in the provision of Internet Banking or Bill Payment services. Sub-User Administrator – Each Business Customer utilizing ACH and wire transfer privileges must authorize a Sub-User Administrator for managing Authorized User access to company accounts accessible through the Service. Sub-User Administrators and/or Authorized Users may be identified in separate agreements. You and your - As used within this Agreement. You understand that any Account access device that is requested , “you” and approved will be mailed only “your” refer to the primary accountholder at person enrolling in the address Service, owner of the eligible accounts, as well as any Authorized Users that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policysuch person allows, deposits made at Cobalt Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up subject to the available balance parameters of Your Account(s) multiple user access as set forth within the Service. We, us, or our – As used within this Agreement, refer to cover Litchfield National Bank and any such transactionsagent, provided You have available fundsindependent contractor, service provider, sub-contractor, licensor, designee, or assignee that Litchfield National Bank may involve in the provision of the Service.

Joint Accounts. If this is a joint Account, You agree each person on the Account, when they signed the credit card application, has agreed to be jointly and severally liable, under the terms and conditions of this Agreement/Disclosure. Each of you will be individually and jointly responsible for paying all amounts owed under this Agreement/Disclosure. This means that the Credit Union can require any one of you individually to repay the entire amount owed under this Agreement/Disclosure. Each of you authorizes the other(s) to make purchases or cash advances individually. Any one of you may terminate the Account and the termination will be effective as to all of you. EFFECT OF AGREEMENT — This Agreement/Disclosure is the contract which applies to all transactions on your Account even though the sales, cash advances, credit or other slips you sign or receive may contain different terms. NO WAIVER — The Credit Union can delay enforcing any of its rights any number of times without losing them. STATEMENTS & NOTICES — Statements and notices will be mailed to you at the most recent address you have given the Credit Union, unless you have elected to have E-statements. Notice sent to any one of you will be considered notice to all. FINAL EXPRESSION — This Agreement/Disclosure is the final expression of the terms and conditions of this MasterCard line of credit between you and the Credit Union. This written Agreement/Disclosure may not be contradicted by evidence of any alleged oral agreement. COPY RECEIVED — You acknowledge that you have received a copy of this Agreement/Disclosure. You understand that any Account access device that is requested the use of your credit card will constitute acknowledgement of receipt and approved will be mailed only agreement to the primary accountholder terms of the credit agreement/disclosure. ELF323 DISCOVER THE DIFFERENCE. rev 08/2020 YOUR BILLING RIGHTS - KEEP THIS NOTICE FOR FUTURE USE This notice contains important information about your rights and our responsibilities under the Fair Credit Billing Act. Notify Us In Case of Errors or Questions About Your Xxxx If you think your xxxx is wrong, or if you need more information about a transaction on your xxxx, write us on a separate sheet at the address that We have for You listed on fileyour xxxx. Write to us as soon as possible. We may refuse to follow any instructions must hear from you no later than sixty (60) days after we sent you the first xxxx on which run counter to this provisionthe error or problem appeared. DELAYED FUNDS AVAILABILITY NOTICEYou can telephone us, but doing so will not preserve your rights. Subject to Our Delayed Funds Availability PolicyIn your letter, deposits made at Cobalt Credit Union locations may not be posted to give us the following information: • Your Account until they are received name and verified by Usaccount number. All deposited items are removed from machines each business day• The dollar amount of the suspected error. We • Describe the error and explain, if you can, why you believe there is an error. If you need more information, describe the item you are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is acceptedsure about. If You do use Your Card for such transactionsyou have authorized us to pay your credit card xxxx automatically from your savings or share draft account, You authorize Us you can stop the payment on any amount you think is wrong. To stop the payment your letter must reach us three (3) business days before the automatic payment is scheduled to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available fundsoccur.

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, liable under the terms of this Agreement. You understand that any Account access device that is requested and approved will be mailed only to the primary accountholder at the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Citadel Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODESPASSWORDS. You will be issued separate must select or otherwise choose Personal Identification Numbers (PINs) to be used in conjunction with ATM Card, Bank-By-Phone and Debit Card transactions and separate Access Codes a password to be used in conjunction with C.U. By Phone and C.U. At Home Online Online/Mobile Banking transactions. Your use of Your PIN or Access Code Password is Your authorization to Us to withdraw funds from Your Share Savings Account or Your Share Draft Checking Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your ATM Card in conjunction with Your PIN in ATMs and/or ATM machines or such other machines or facilities as We may designate todesignate. At the present time, You may make the following types of transactions: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s)Savings and Your Checking Accounts; (cb) transfer funds between Your Share Savings and Share Draft Your Checking Accounts; and (dc) learn the balances in Your deposit Share Savings and Your Checking Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location business establishment where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of from Your Account(s) Accounts to cover those and any such transactions, other transactions that You make provided You have available fundsfunds or available credit. DEBIT CARD TRANSACTIONS. You may use Your Debit Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to withdraw cash from Your deposit Accounts. You may also use Your Debit Card to purchase goods and services at any business establishment where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds from Your Accounts to cover those and any other transactions that You make provided You have available funds or available credit. BANK-BY-PHONE TRANSACTIONS. You may use Bank-By-Phone in conjunction with Your PIN to make the following types of transactions on designated accounts: (a) telephone transfers of funds between Your deposit Accounts and/or specific loan Accounts; (b) payments on Your loan Accounts; (c) inquiries on Account balances and loan data; (d) withdrawals from deposit Accounts; (e) transactions or inquiries on shares/deposits; (f) miscellaneous inquiries on Credit Union services that affect Your Account; and (g) request a stop payment on a specific check that has not yet cleared. Bank-By-Phone operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please call back later when service is restored. ONLINE/MOBILE BANKING TRANSACTIONS. At the present time, You may use Our Online/Mobile Banking system via a personal computer and/or internet enabled mobile computing device (e.g. smartphone or tablet) for the following services: (a) make inquiries about Your Share Savings, Checking, Line of Credit, Loan Accounts or Certificates with the Credit Union; (b) make transfers of funds to and from Your Share Savings, Checking and Line of Credit Accounts; (c) make Teller Check withdrawals from Your Share Savings or Checking Accounts; (d) access Our Xxxx Xxxxx Service; (e) make loan payments; (f) request a stop payment; and (g) notify Us of an address change. You may use Our Xxxx Xxxxx system via a personal computer and/or internet enabled mobile computing device (e.g. smartphone or tablet) in conjunction with the Online/Mobile Banking system to issue payments to third parties on Your behalf. You authorize Us to post any such payments requested by You to Your Account(s). Payments requested by You through the use of the Online Xxxx Xxxxx system will be made by check or by electronic fund transfer and may take as long as six (6) business days to be sent to each payee. The Credit Union cannot guarantee the time any payment will reach any of Your creditors and accepts no liability for any service fees or late charges against You. You may also use the Online/Mobile platform to deposit checks into Your share and checking Account(s) You have with Us by using an internet enabled mobile computing device (e.g. smartphone or tablet), an imaging application/device, special software and an Access Code and/or User ID. You understand and agree that the remote deposit of Items into Your deposit accounts with Us through use of remote deposit are not subject to the Electronic Fund Transfer Act (15 U.S.C. § 1693 et seq.) or Regulation E (12 CFR 1005.1 et seq.). The remote deposit of Items into Your designated deposit accounts with Us is instead governed solely by the terms and conditions set forth in the separate remote deposit capture agreement.

Joint Accounts. If this I utilize the Service to access my Accounts which are jointly owned, transactions performed on any such account by electronic means where my PIN is utilized shall be considered authorized by me. BillPay Services Agreement. In addition to the Online Banking terms and conditions, the following additional terms and conditions apply to BillPay services: All payments made through BillPay will be deducted from my designated checking account. Any payee I wish to pay through BillPay must be payable in U.S. Dollars. Each payee must appear on the payee list I create with you, and the account I am paying must be in my name. I must allow sufficient time for the payee to receive and process the payment before the payment due date (the due date shown on my invoice or provided in my agreement with payee, not taking into account any grace period provided by payee). If Ido not allow sufficient time, I will assume full responsibility for all late charges, finance charges, or other actions taken by payee. IMPORTANT: Payment may take up to five (5) days for each vendor (payee), as they are sent either electronically or by check. The Credit Union is not liable for any service or late charges levied against me. I may make arrangements to pay certain recurring bills from my designated checking account. The Bill Payment service provider is responsible only for exercising ordinary care in making payments upon my authorization and for mailing or sending a joint Account, You agree payment to be jointly and severally liable, under the terms of designated merchant in accordance with this Agreement. You understand that The Credit Union and the BillPay service provider are not liable for any Account access device that is requested and approved will be mailed only damages I incur if I do not have sufficient funds in my designated checking account to make the payment on the processing date, if the estimated time to allow for delivery to the primary accountholder at payee is inaccurate, or due to delays in mail delivery, changes of merchant address or account number, the address that We have failure of any merchant to credit the account correctly for You on file. We may refuse to follow the payment in a timely manner, or for any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt other circumstances beyond the control of the Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on or the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODESBillPay service provider. You will overdraft from my Line of Credit Account, or Visa Credit Card Account, according to the instructions I have given you if there are not sufficient funds in the designated checking account. A written notice will be issued separate Personal Identification Numbers (PINs) sent to me of transactions you are unable to process because of insufficient available funds. In all cases, I am responsible for either making alternate arrangements for the payment, or rescheduling the payment through BillPay service. Insufficient available funds will prevent you from making more payments until resolved. I authorize you, and any third-party acting on your behalf, to choose the most effective method to process my payments. I will receive a transaction confirmation number for each properly instructed payment. Unless I receive a confirmation number, you shall not be used in conjunction with ATM and Debit Card transactions and separate Access Codes liable for any failure to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONSmake a payment. You may use Your Card in conjunction with Your PIN in ATMs and/or such charge my designated checking account on the day that a check or other machines transaction is presented to you directly or facilities as We may designate to: (a) make deposits electronically for payment. The Credit Union reserves the right to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card refuse to make Point any payments, but you will notify me of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactionsrefusal within three (3) business days following receipt of my process date. This Agreement, provided You have available fundsand the applicable fees and charges, may be amended by you in the future. In the event of amendment, you shall send notice to me either by mail to my last known address or transmit such notice of the amendment over Online Banking. My use of the BillPay service, following the receipt of such notice, constitutes acceptance of such amendment.

Joint Accounts. If this is a joint Account, You agree to be jointly and severally liable, liable under the terms of this Agreement. You understand that any Account access device Card that is requested and approved will be mailed only to any of the primary accountholder at cardholders, and will be sent to the address that We have for You on file. We may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Cobalt Credit Union DFCU Financial locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM Card and Debit Check Card transactions and separate an Access Codes Code to be used in conjunction with C.U. By Phone and C.U. At Home Online Telephone Banking transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account Account, or make advances on Your Share Draft Account Credit Line with Us to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your ATM Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits withdraw cash from Your Deposit Account(s) (except for IRA and Certificate Accounts) up to Your Share a maximum daily amount of $50.00, $60.00, $300.00 or Share Draft Account(s)$500.00 depending upon the option indicated by You at the time of application for the Card; (b) withdraw cash from transfer funds between Your Share or Share Draft Account(sDeposit Accounts (except for IRA and Certificate Accounts); (c) transfer funds between make cash advances from Your Share and Share Draft AccountsCredit Line with Us; (d) make payments on loan accounts You may have with Us; and (de) learn the balances in Your deposit Accounts that You have with Us. You may also use Your ATM Card to make Point of Sale ("POS") withdrawals from Your Share Draft checking Account and to purchase goods and services at any location where the Card is accepted. POS withdrawals are subject to a maximum combined total of $5,000.00 per business day from Your checking Account that You may have with Us, subject in any event to Your available funds. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) and/or make advances on Your Credit Line with Us to cover such transactions, provided You have sufficient available funds. CHECK CARD TRANSACTIONS. You may use Your Check Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your Deposit Account(s) up to a maximum daily amount of $500.00; (b) transfer funds between Your Savings and checking Accounts; (c) make cash advances from Your Credit Line with Us; (d) make payments on loan accounts You may have with Us; and (e) learn the balances in Your Accounts that You have with Us. You may also use Your Check Card to make Point of Sale ("POS") withdrawals from Your checking Account and to purchase goods and services at any location where the Card is accepted. Check Card purchase transactions processed through the MasterCard system are subject to a maximum combined total of $5,000.00 per business day from Your checking Account, Savings Account and Your Credit Line that You may have with Us, subject in any event to Your available funds. If You do use Your Card for any such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) and/or make advances on Your Credit Line with Us to cover any such transactions, provided You have sufficient available funds.

Joint Accounts. If any of your accounts accessed under this is a Agreement are joint Accountaccounts, You agree all joint owners, including any authorized users, shall be bound by this Agreement and, alone and together, shall be responsible for all EFT transactions to be jointly or from any share savings and severally liable, under the terms of share draft/checking or loan accounts as provided in this Agreement. You understand Each joint account owner, without the consent of any other account owner, may, and hereby is authorized by every other joint account owner to make any transaction permitted under this Agreement. Each joint account owner is authorized to act for the other account owners, and the Credit Union may accept orders and instructions regarding any EFT transaction on any account from any joint account owner. FEES AND CHARGES – There are certain fees and charges for electronic funds transfer services. For a current listing of all applicable fees, see our current Fee Schedule that was provided to you at the time you applied for or requested these electronic services. From time to time, the charges may be changed. We will notify you of any Account access device changes as required by applicable law. If you use an ATM that is requested operated by us, you may be charged a fee by the ATM operator and approved by national, regional, or local network used in processing the transaction. The ATM surcharge will be debited from your account if you elect to complete the transaction. MEMBER LIABILITY – You are responsible for all EFT transactions you authorize. If you permit someone else to use an EFT service, your card, or your access code, you are responsible for any transactions they authorize or conduct on any of your accounts. Tell us AT ONCE if you believe your card has been lost or stolen. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If a transaction as made with your card or card number without your permission, and is either a VISA or Interlink transaction, you will have no liability for the transaction unless you were grossly negligent in the handling of your account or card. Your liability for unauthorized use of your card or account will be determined under the following paragraphs for transactions that are not VISA or Interlink transactions, for transactions at ATMs, or if you were grossly negligent in the handling of your account or card. If you tell us within two (2) business days, you can lose no more than $50 if someone used your card without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your card and we can prove we could have stopped someone from using your card without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed only to you, you may not get back any money you lost after the primary accountholder at sixty (60) days if we can prove that we could have stopped someone from taking the address money if you told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your Card has been lost or stolen or that We have for You on file. We someone has transferred or may refuse to follow any instructions which run counter to this provision. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policytransfer money from account without your permission, deposits made at Cobalt call us at: 0-000-000-0000 0-000-000-0000 (after hours) or write to: Arizona State Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. ISSUANCE OF PERSONAL IDENTIFICATION NUMBERS AND ACCESS CODES. You will be issued separate Personal Identification Numbers (PINs) to be used in conjunction with ATM and Debit Attn: Card transactions and separate Access Codes to be used in conjunction with C.U. By Phone and C.U. At Home Online transactions. Your use of Your PIN or Access Code is Your authorization to Us to withdraw funds from Your Share Account or Your Share Draft Account to cover such transactions. TYPES AND LIMITATIONS OF SERVICES ATM CARD AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your Share and Share Draft Accounts; and (d) learn the balances in Your deposit Accounts that You have with Us. You may also use Your Card to make Point of Sale (POS) withdrawals from Your Share Draft Account and to purchase goods and services at any location where the Card is accepted. If You do use Your Card for such transactionsServices 0000 X. Xxxxxxxx Xxxx Xxxx Xxxxxxx, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds.XX 00000-0000