Common use of Limitation of Liability; No Warranty Clause in Contracts

Limitation of Liability; No Warranty. You agree that within thirty (30) days after you receive notification that your Open transfer request has been executed, you will tell Frontwave Credit Union of any errors, delays, or other problems related to your request. If your funds transfer request is delayed or erroneously executed as a result of Frontwave Credit Union’s error, Frontwave Credit Union’s sole obligation to you is to pay or refund such amounts as may be required by applicable law. Any claim for interest payable by Frontwave Credit Union shall be at Frontwave Credit Union’s published savings account rate in effect within the state of the home financial center of the account from which the funds transfer was made. In any event, if you fail to notify Frontwave Credit Union of any claim concerning your funds transfer request within one (1) year from the date that you receive notification that your request has been executed, any claim by you shall be barred under applicable law. I AGREE THAT FRONTWAVE CREDIT UNION SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) YOUR GRANTING FRONTWAVE CREDIT UNION AUTHORITY TO VERIFY A THIRD PARTY ACCOUNT; (2) YOUR DEBIT AND/OR CREDIT OF A VERIFIED ACCOUNT OR YOUR INABILITY TO DEBIT AND/OR CREDIT SUCH ACCOUNT(S) IN ACCORDANCE WITH YOUR OPEN TRANSFER INSTRUCTIONS; (3) ANY INACCURATE OR INCOMPLETE INFORMATION RECEIVED FROM ANOTHER FINANCIAL INSTITUTION IN CONNECTION WITH VERIFYING A THIRD PARTY ACCOUNT OR EXECUTING A TRANSFER WITH A VERIFIED ACCOUNT; (4) ANY CHARGES IMPOSED BY THE FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT; AND (5) ANY TRANSFER LIMITATIONS SET BY A FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT. IN NO EVENT SHALL FRONTWAVE CREDIT UNION BE RESPONSIBLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH YOUR OPEN TRANSFER REQUEST. EXCEPT AS MAY BE EXPRESSLY SET FORTH IN THIS AGREEMENT, FRONTWAVE CREDIT UNION, ITS DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS. FRONTWAVE CREDIT UNION MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE OPEN TRANSFER SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE OPEN TRANSFER SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY FRONTWAVE CREDIT UNION FROM ANY FINANCIAL INSTITUTION HOLDING ANY VERIFIED ACCOUNT OR THAT THE OPEN TRANSFER SERVICE WILL MEET ANY REQUIREMENTS OF ANY USER, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.

Limitation of Liability; No Warranty. You agree that within thirty (30) days after you receive notification that your Open transfer request has been executed, you will tell Frontwave Credit Union of any errors, delays, or other problems related to your request. If your funds transfer request is delayed or erroneously executed as a result of Frontwave Credit Union’s error, Frontwave Credit Union’s sole obligation to you is to pay or refund such amounts as may be required by applicable law. Any claim for interest payable by Frontwave Credit Union shall be at Frontwave Credit Union’s published savings account rate in effect within the state of the home financial center of the account from which the funds transfer was made. In any event, if you fail to notify Frontwave Credit Union of any claim concerning your funds transfer request within one (1) year from the date that you receive notification that your request has been executed, any claim by you shall be barred under applicable law. I AGREE THAT FRONTWAVE CREDIT UNION SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) YOUR GRANTING FRONTWAVE CREDIT UNION AUTHORITY TO VERIFY A THIRD PARTY ACCOUNT; (2) YOUR DEBIT AND/OR CREDIT OF A VERIFIED ACCOUNT OR YOUR INABILITY TO DEBIT AND/OR CREDIT SUCH ACCOUNT(S) IN ACCORDANCE WITH YOUR OPEN TRANSFER INSTRUCTIONS; (3) ANY INACCURATE OR INCOMPLETE INFORMATION RECEIVED FROM ANOTHER FINANCIAL INSTITUTION IN CONNECTION WITH VERIFYING A THIRD PARTY ACCOUNT OR EXECUTING A TRANSFER WITH A VERIFIED ACCOUNT; (4) ANY CHARGES IMPOSED BY THE FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT; AND (5) ANY TRANSFER LIMITATIONS SET BY A FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT. IN NO EVENT SHALL FRONTWAVE CREDIT UNION BE RESPONSIBLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH YOUR OPEN TRANSFER REQUEST. EXCEPT AS MAY BE EXPRESSLY SET FORTH IN THIS AGREEMENT, FRONTWAVE CREDIT UNION, ITS DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-NON- INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS. FRONTWAVE CREDIT UNION MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE OPEN TRANSFER SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE OPEN TRANSFER SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY FRONTWAVE CREDIT UNION FROM ANY FINANCIAL INSTITUTION HOLDING ANY VERIFIED ACCOUNT OR THAT THE OPEN TRANSFER SERVICE WILL MEET ANY REQUIREMENTS OF ANY USER, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.

Limitation of Liability; No Warranty. You I agree that within thirty (30) days after you receive notification that your Open transfer request has been executedof the A2A transfer, you I will tell Frontwave Credit Union you of any errors, delays, or other problems related to your my request. If your my funds transfer request is delayed or erroneously executed as a result of Frontwave Credit Union’s GHS's error, Frontwave Credit Union’s GHS's sole obligation to you me is to pay or refund such amounts as may be required by applicable law. Any claim for interest payable by Frontwave Credit Union GHS shall be at Frontwave Credit UnionGHS’s published savings account rate in effect within the state of the home financial center of on the account from which the funds transfer was made. In any event, if you I fail to notify Frontwave Credit Union you of any claim concerning your my funds transfer request within one sixty (160) year from days of the date that you receive notification that your request has been executed, A2A transfer any claim by you me shall be barred under applicable law. I AGREE THAT FRONTWAVE GHS FEDERAL CREDIT UNION SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) YOUR MY GRANTING FRONTWAVE CREDIT UNION YOU AUTHORITY TO VERIFY A THIRD PARTY ACCOUNT; (2) YOUR DEBIT AND/OR CREDIT OF A VERIFIED ACCOUNT OR YOUR INABILITY TO DEBIT AND/OR CREDIT SUCH ACCOUNT(S) IN ACCORDANCE WITH YOUR OPEN MY A2A TRANSFER INSTRUCTIONS; (3) ANY INACCURATE OR INCOMPLETE INFORMATION RECEIVED FROM ANOTHER FINANCIAL INSTITUTION IN CONNECTION WITH VERIFYING A THIRD PARTY ACCOUNT OR EXECUTING A TRANSFER WITH A VERIFIED ACCOUNT; (4) ANY CHARGES IMPOSED BY THE FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT; AND (5) ANY TRANSFER LIMITATIONS SET BY A FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT. IN NO EVENT SHALL FRONTWAVE GHS FEDERAL CREDIT UNION BE RESPONSIBLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH YOUR OPEN MY A2A TRANSFER REQUEST. EXCEPT AS MAY BE EXPRESSLY SET FORTH IN THIS AGREEMENT, FRONTWAVE GHS FEDERAL CREDIT UNION, ITS DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-NON- INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS. FRONTWAVE GHS FEDERAL CREDIT UNION MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE OPEN TRANSFER A2A SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE OPEN TRANSFER A2A SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY FRONTWAVE GHS FEDERAL CREDIT UNION FROM ANY FINANCIAL INSTITUTION HOLDING ANY VERIFIED ACCOUNT OR THAT THE OPEN TRANSFER A2A SERVICE WILL MEET ANY REQUIREMENTS OF ANY USER, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE. Amendments - I agree that you reserve the right to change the terms and conditions of this Agreement as required by law or policy. Unless otherwise required by law, you may amend this Agreement without prior notice to me. If you choose to notify me of an amendment or are required to do so by law, you may ask me to agree to an amended version of this Agreement electronically, or mail or deliver a separate notice, statement message or electronic message to me at the last address or e-mail you have on file for me. Governing Law - This Agreement shall be governed by the laws of the New York.

Limitation of Liability; No Warranty. You I agree that within thirty (30) days after you I receive notification that your my Open transfer request has been executed, you I will tell Frontwave the Credit Union of any errors, delays, or other problems related to your my request. If your my funds transfer request is delayed or erroneously executed as a result of Frontwave the Credit Union’s error, Frontwave the Credit Union’s sole obligation to you me is to pay or refund such amounts as may be required by applicable law. Any claim for interest payable by Frontwave the Credit Union shall be at Frontwave the Credit Union’s published savings account rate in effect within the state of the home financial center of the account from which the funds transfer was made. In any event, if you I fail to notify Frontwave the Credit Union of any claim concerning your my funds transfer request within one (1) year from the date that you I receive notification that your my request has been executed, any claim by you me shall be barred under applicable law. I AGREE THAT FRONTWAVE THE CREDIT UNION SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) YOUR MY GRANTING FRONTWAVE THE CREDIT UNION AUTHORITY TO VERIFY A THIRD PARTY ACCOUNT; (2) YOUR DEBIT AND/OR CREDIT OF A VERIFIED ACCOUNT OR YOUR INABILITY TO DEBIT AND/OR CREDIT SUCH ACCOUNT(S) IN ACCORDANCE WITH YOUR MY OPEN TRANSFER INSTRUCTIONS; (3) ANY INACCURATE OR INCOMPLETE INFORMATION RECEIVED FROM ANOTHER FINANCIAL INSTITUTION IN CONNECTION WITH VERIFYING A THIRD PARTY ACCOUNT OR EXECUTING A TRANSFER WITH A VERIFIED ACCOUNT; (4) ANY CHARGES IMPOSED BY THE FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT; AND (5) ANY TRANSFER LIMITATIONS SET BY A FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT. IN NO EVENT SHALL FRONTWAVE THE CREDIT UNION BE RESPONSIBLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH YOUR MY OPEN TRANSFER REQUEST. EXCEPT AS MAY BE EXPRESSLY SET FORTH IN THIS AGREEMENT, FRONTWAVE THE CREDIT UNION, ITS DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-NON- INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS. FRONTWAVE THE CREDIT UNION MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE OPEN TRANSFER SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE OPEN TRANSFER SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY FRONTWAVE THE CREDIT UNION FROM ANY FINANCIAL INSTITUTION HOLDING ANY VERIFIED ACCOUNT OR THAT THE OPEN TRANSFER SERVICE WILL MEET ANY REQUIREMENTS OF ANY USER, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.

Limitation of Liability; No Warranty. You I agree that within thirty (30) days after you receive notification that your Open transfer request has been executedof the External Transfer, you I will tell Frontwave Credit Union you of any errors, delays, or other problems related to your my request. If your my funds transfer request is delayed or erroneously executed as a result of Frontwave Credit Union’s HEARTLAND CREDIT UNION's error, Frontwave Credit Union’s HEARTLAND CREDIT UNION's sole obligation to you me is to pay or refund such amounts as may be required by applicable law. Any claim for interest payable by Frontwave Credit Union HEARTLAND CREDIT UNION shall be at Frontwave Credit UnionHEARTLAND CREDIT UNION’s published savings account rate in effect within the state of the home financial center of on the account from which the funds transfer was made. In any event, if you I fail to notify Frontwave Credit Union you of any claim concerning your my funds transfer request within one sixty (160) year from days of the date that you receive notification that your request has been executed, External Transfer any claim by you me shall be barred under applicable law. I AGREE THAT FRONTWAVE HEARTLAND CREDIT UNION SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) YOUR MY GRANTING FRONTWAVE CREDIT UNION YOU AUTHORITY TO VERIFY A THIRD PARTY ACCOUNT; (2) YOUR DEBIT AND/OR CREDIT OF A VERIFIED ACCOUNT OR YOUR INABILITY TO DEBIT AND/OR CREDIT SUCH ACCOUNT(S) IN ACCORDANCE WITH YOUR OPEN MY EXTERNAL TRANSFER INSTRUCTIONS; (3) ANY INACCURATE OR INCOMPLETE INFORMATION RECEIVED FROM ANOTHER FINANCIAL INSTITUTION IN CONNECTION WITH VERIFYING A THIRD PARTY ACCOUNT OR EXECUTING A TRANSFER WITH A VERIFIED ACCOUNT; (4) ANY CHARGES IMPOSED BY THE FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT; AND (5) ANY TRANSFER LIMITATIONS SET BY A FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT. IN NO EVENT SHALL FRONTWAVE HEARTLAND CREDIT UNION BE RESPONSIBLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH YOUR OPEN MY EXTERNAL TRANSFER REQUEST. EXCEPT AS MAY BE EXPRESSLY SET FORTH IN THIS AGREEMENT, FRONTWAVE HEARTLAND CREDIT UNION, ITS DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS. FRONTWAVE HEARTLAND CREDIT UNION MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE OPEN EXTERNAL TRANSFER SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE OPEN EXTERNAL TRANSFER SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY FRONTWAVE HEARTLAND CREDIT UNION FROM ANY FINANCIAL INSTITUTION HOLDING ANY VERIFIED ACCOUNT OR THAT THE OPEN EXTERNAL TRANSFER SERVICE WILL MEET ANY REQUIREMENTS OF ANY USER, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.. Amendments - I agree that you reserve the right to change the terms and conditions of this Agreement as required by law or policy. Unless otherwise required by law, you may amend this Agreement without prior notice to me. If you choose to notify me of an amendment or are required to do so by law, you may ask me to agree to an amended version of this Agreement electronically, or mail or deliver a separate notice, statement message or electronic message to me at the last address or e-mail you have on file for me. Governing Law - This Agreement shall be governed by the laws of the state of Kansas. Electronic Consent and Acceptance of Terms and Conditions - In order to enroll to use the External Transfer service, I consent to receive and accept the terms and conditions of the User Agreement for the External Transfer service, and any amendments to it, electronically. In the event any change to this Agreement requires prior notice to me, HEARTLAND CREDIT UNION will notify me by e-mail address listed in Home Banking Service, of the new or different terms and conditions or will provide me with a link within such e-mail where I may view the new or different terms and conditions on a web site. I understand and agree that you reserve the right to provide any such notices to me in printed form. A record of each funds transfer request will be made available to me electronically at the time each External Transfer is requested and in summary form as part of the periodic statement for my Eligible HEARTLAND CREDIT UNION Account to or from which the External Transfer is requested. I may withdraw my consent to having this information provided to me electronically by calling you at 000.000.0000 or 800.428.8472, however, by doing so I understand that I will terminate my right to use the External Transfer service. Withdrawing my consent in this manner will not prevent me from re- enrolling for the External Transfer service. I understand that I can also obtain a printed copy of this Agreement by calling 000.000.0000 or 800.428.8472. Consent and Agreement

Limitation of Liability; No Warranty. You I agree that within thirty (30) days after you receive notification that your Open transfer request has been executedof the External Transfer, you I will tell Frontwave Credit Union you of any errors, delays, or other problems related to your my request. If your my funds transfer request is delayed or erroneously executed as a result of Frontwave Credit Union’s HEARTLAND CREDIT UNION's error, Frontwave Credit Union’s HEARTLAND CREDIT UNION's sole obligation to you me is to pay or refund such amounts as may be required by applicable law. Any claim for interest payable by Frontwave Credit Union HEARTLAND CREDIT UNION shall be at Frontwave Credit UnionHEARTLAND CREDIT UNION’s published savings account rate in effect within the state of the home financial center of on the account from which the funds transfer was made. In any event, if you I fail to notify Frontwave Credit Union you of any claim concerning your my funds transfer request within one sixty (160) year from days of the date that you receive notification that your request has been executed, External Transfer any claim by you me shall be barred under applicable law. I AGREE THAT FRONTWAVE HEARTLAND CREDIT UNION SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) YOUR MY GRANTING FRONTWAVE CREDIT UNION YOU AUTHORITY TO VERIFY A THIRD PARTY ACCOUNT; (2) YOUR DEBIT AND/OR CREDIT OF A VERIFIED ACCOUNT OR YOUR INABILITY TO DEBIT AND/OR CREDIT SUCH ACCOUNT(S) IN ACCORDANCE WITH YOUR OPEN MY EXTERNAL TRANSFER INSTRUCTIONS; (3) ANY INACCURATE OR INCOMPLETE INFORMATION RECEIVED FROM ANOTHER FINANCIAL INSTITUTION IN CONNECTION WITH VERIFYING A THIRD PARTY ACCOUNT OR EXECUTING A TRANSFER WITH A VERIFIED ACCOUNT; (4) ANY CHARGES IMPOSED BY THE FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT; AND (5) ANY TRANSFER LIMITATIONS SET BY A FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT. IN NO EVENT SHALL FRONTWAVE HEARTLAND CREDIT UNION BE RESPONSIBLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH YOUR OPEN MY EXTERNAL TRANSFER REQUEST. EXCEPT AS MAY BE EXPRESSLY SET FORTH IN THIS AGREEMENT, FRONTWAVE HEARTLAND CREDIT UNION, ITS DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS. FRONTWAVE HEARTLAND CREDIT UNION MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE OPEN EXTERNAL TRANSFER SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE OPEN EXTERNAL TRANSFER SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY FRONTWAVE HEARTLAND CREDIT UNION FROM ANY FINANCIAL INSTITUTION HOLDING ANY VERIFIED ACCOUNT OR THAT THE OPEN EXTERNAL TRANSFER SERVICE WILL MEET ANY REQUIREMENTS OF ANY USER, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.. Amendments - I agree that you reserve the right to change the terms and conditions of this Agreement as required by law or policy. Unless otherwise required by law, you may amend this Agreement without prior notice to me. If you choose to notify me of an amendment or are required to do so by law, you may ask me to agree to an amended version of this Agreement electronically, or mail or deliver a separate notice, statement message or electronic message to me at the last address or e-mail you have on file for me. Governing Law - This Agreement shall be governed by the laws of the state of Kansas. Electronic Consent and Acceptance of Terms and Conditions - In order to enroll to use the External Transfer service, I consent to receive and accept the terms and conditions of the User Agreement for the External Transfer service, and any amendments to it, electronically. In the event any change to this Agreement requires prior notice to me, HEARTLAND CREDIT UNION will notify me by e-mail address listed in Home Banking Service, of the new or different terms and conditions or will provide me with a link within such e-mail where I may view the new or different terms and conditions on a web site. I understand and agree that you reserve the right to provide any such notices to me in printed form. A record of each funds transfer request will be made available to me electronically at the time each External Transfer is requested and in summary form as part of the periodic statement for my Eligible HEARTLAND CREDIT UNION Account to or from which the External Transfer is requested. I may withdraw my consent to having this information provided to me electronically by calling you at 620.669.0177 or 800.428.8472, however, by doing so I understand that I will terminate my right to use the External Transfer service. Withdrawing my consent in this manner will not prevent me from re- enrolling for the External Transfer service. I understand that I can also obtain a printed copy of this Agreement by calling 620.669.0177 or 800.428.8472. Consent and Agreement

Limitation of Liability; No Warranty. You I agree that within thirty (30) days after you receive notification that your Open transfer request has been executedof the External Transfer, you I will tell Frontwave Credit Union you of any errors, delays, or other problems related to your my request. If your my funds transfer request is delayed or erroneously executed as a result of Frontwave Credit Union’s United Bank's error, Frontwave Credit Union’s United Bank's sole obligation to you me is to pay or refund such amounts as may be required by applicable law. Any claim for interest payable by Frontwave Credit Union United Bank shall be at Frontwave Credit UnionUnited Bank’s published savings account rate in effect within the state of the home financial center of on the account from which the funds transfer was made. In any event, if you I fail to notify Frontwave Credit Union you of any claim concerning your my funds transfer request within one sixty (160) year from days of the date that you receive notification that your request has been executed, External Transfer any claim by you me shall be barred under applicable law. I AGREE THAT FRONTWAVE CREDIT UNION UNITED BANK SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) YOUR MY GRANTING FRONTWAVE CREDIT UNION YOU AUTHORITY TO VERIFY A THIRD PARTY ACCOUNT; (2) YOUR DEBIT AND/OR CREDIT OF A VERIFIED ACCOUNT OR YOUR INABILITY TO DEBIT AND/OR CREDIT SUCH ACCOUNT(S) IN ACCORDANCE WITH YOUR OPEN MY EXTERNAL TRANSFER INSTRUCTIONS; (3) ANY INACCURATE OR INCOMPLETE INFORMATION RECEIVED FROM ANOTHER FINANCIAL INSTITUTION IN CONNECTION WITH VERIFYING A THIRD PARTY ACCOUNT OR EXECUTING A TRANSFER WITH A VERIFIED ACCOUNT; (4) ANY CHARGES IMPOSED BY THE FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT; AND (5) ANY TRANSFER LIMITATIONS SET BY A FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT. IN NO EVENT SHALL FRONTWAVE CREDIT UNION UNITED BANK BE RESPONSIBLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH YOUR OPEN MY EXTERNAL TRANSFER REQUEST. EXCEPT AS MAY BE EXPRESSLY SET FORTH IN THIS AGREEMENT, FRONTWAVE CREDIT UNIONUNITED BANK, ITS DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-NON- INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS. FRONTWAVE CREDIT UNION UNITED BANK MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE OPEN TRANSFER EXTERNAL SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE OPEN TRANSFER EXTERNAL SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY FRONTWAVE CREDIT UNION UNITED BANK FROM ANY FINANCIAL INSTITUTION HOLDING ANY VERIFIED ACCOUNT OR THAT THE OPEN TRANSFER EXTERNAL SERVICE WILL MEET ANY REQUIREMENTS OF ANY USER, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE.. Amendments - I agree that you reserve the right to change the terms and conditions of this Agreement as required by law or policy. Unless otherwise required by law, you may amend this Agreement without prior notice to me. If you choose to notify me of an amendment or are required to do so by law, you may ask me to agree to an amended version of this Agreement electronically, or mail or deliver a separate notice, statement message or electronic message to me at the last address or e-mail you have on file for me. Governing Law - This Agreement shall be governed by the laws of Michigan. Consent and Agreement - By clicking on the "I Agree" button below, I agree to be bound by the terms and conditions contained therein. Because enrollment for the External Transfer service can only occur electronically, I understand that I will be unable to proceed if I do not click on this button. United Bank reserves the right to provide information and notices about the External Transfer service to me by non- electronic means. United Bank Mobile Deposit Agreement This agreement sets forth the terms and conditions under which you may from time to time deposit checks into your United Bank account(s). These terms and conditions affect your rights and you should read them carefully. Financial Institution and Individual agree as follows:

Limitation of Liability; No Warranty. You I agree that within thirty (30) days after you receive notification that your Open transfer request has been executedof the External Transfer, you I will tell Frontwave Credit Union you of any errors, delays, or other problems related to your my request. If your my funds transfer request is delayed or erroneously executed as a result of Frontwave Credit Union’s UNITED BANK's error, Frontwave Credit Union’s UNITED BANK's sole obligation to you me is to pay or refund such amounts as may be required by applicable law. Any claim for interest payable by Frontwave Credit Union UNITED BANK shall be at Frontwave Credit UnionUNITED BANK’s published savings account rate in effect within the state of the home financial center of on the account from which the funds transfer was made. In any event, if you I fail to notify Frontwave Credit Union you of any claim concerning your my funds transfer request within one sixty (160) year from days of the date that you receive notification that your request has been executed, External Transfer any claim by you me shall be barred under applicable law. I AGREE THAT FRONTWAVE CREDIT UNION UNITED BANK SHALL NOT BE LIABLE FOR ANY COSTS, FEES, LOSSES OR DAMAGES OF ANY KIND INCURRED AS A RESULT OF (1) YOUR MY GRANTING FRONTWAVE CREDIT UNION YOU AUTHORITY TO VERIFY A THIRD PARTY ACCOUNT; (2) YOUR DEBIT AND/OR CREDIT OF A VERIFIED ACCOUNT OR YOUR INABILITY TO DEBIT AND/OR CREDIT SUCH ACCOUNT(S) IN ACCORDANCE WITH YOUR OPEN MY EXTERNAL TRANSFER INSTRUCTIONS; (3) ANY INACCURATE OR INCOMPLETE INFORMATION RECEIVED FROM ANOTHER FINANCIAL INSTITUTION IN CONNECTION WITH VERIFYING A THIRD PARTY ACCOUNT OR EXECUTING A TRANSFER WITH A VERIFIED ACCOUNT; (4) ANY CHARGES IMPOSED BY THE FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT; AND (5) ANY TRANSFER LIMITATIONS SET BY A FINANCIAL INSTITUTION HOLDING A VERIFIED ACCOUNT. IN NO EVENT SHALL FRONTWAVE CREDIT UNION UNITED BANK BE RESPONSIBLE FOR ANY INCIDENTAL OR CONSEQUENTIAL DAMAGES OR EXPENSES ARISING IN CONNECTION WITH YOUR OPEN MY EXTERNAL TRANSFER REQUEST. EXCEPT AS MAY BE EXPRESSLY SET FORTH IN THIS AGREEMENT, FRONTWAVE CREDIT UNIONUNITED BANK, ITS DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS HEREBY DISCLAIM ALL WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-NON- INFRINGEMENT OF INTELLECTUAL PROPERTY OR THIRD PARTY RIGHTS. FRONTWAVE CREDIT UNION UNITED BANK MAKES NO WARRANTY OR REPRESENTATION REGARDING THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE OPEN TRANSFER EXTERNAL SERVICE, THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE OPEN TRANSFER EXTERNAL SERVICE, THE ACCURACY OF ANY INFORMATION RETRIEVED BY FRONTWAVE CREDIT UNION UNITED BANK FROM ANY FINANCIAL INSTITUTION HOLDING ANY VERIFIED ACCOUNT OR THAT THE OPEN TRANSFER EXTERNAL SERVICE WILL MEET ANY REQUIREMENTS OF ANY USER, BE UNINTERRUPTED, TIMELY, SECURE OR ERROR FREE. Amendments - I agree that you reserve the right to change the terms and conditions of this Agreement as required by law or policy. Unless otherwise required by law, you may amend this Agreement without prior notice to me. If you choose to notify me of an amendment or are required to do so by law, you may ask me to agree to an amended version of this Agreement electronically, or mail or deliver a separate notice, statement message or electronic message to me at the last address or e-mail you have on file for me. Governing Law - This Agreement shall be governed by the laws of Michigan. Consent and Agreement By clicking on the "I Agree" button below, I agree to be bound by the terms and conditions contained therein. Because enrollment for the External Transfer service can only occur electronically, I understand that I will be unable to proceed if I do not click on this button. UNITED BANK reserves the right to provide information and notices about the External Transfer service to me by non-electronic means.