Common use of Occurrences Clause in Contracts

Occurrences. An “occurrence” is a day during which your account has at least one overdraft item or returned item. If we transfer your account to another banking center or convert it to a different type of account, your record of overdraft items and returned items continues to apply. Overdraft Protection Plans We recommend you enroll in one of the optional Overdraft Protection plans described below to help protect your account from overdrafts and declined or returned items. The fees under these plans may be less expensive than fees for overdrafts and returned items. The Schedule of Fees for your account explains the fees and other charges that apply to Overdraft Protection plans. Please review the Schedule of Fees for your account carefully. Please note: some of these Overdraft Protection plans may not be available in all countries or for all accounts. Only one plan can be linked to a personal checking account at a time. Some checking accounts are not eligible for these plans. Under some plans we make transfers in a minimum amount so we may not make a transfer if you do not have at least the minimum transfer amount available under the plan. To link accounts under these plans, all of the owner(s) of the checking account must be an owner of the other account. Certain other restrictions may apply. Overdraft Protection from a Savings Account This plan links your checking account to a Community Bank savings account with the same owners for overdraft protection. To link these accounts, the checking account and savings account must be located in the same country. When you do not have enough available funds in your checking account to cover certain items, we may automatically transfer funds from the available balance in your savings account to your checking account. We may charge an overdraft protection transfer fee for each transfer. Funds you deposit into your savings account may not be available immediately for overdraft protection transfers. Each transfer counts as one of the six limited transactions you are allowed each month from your savings account. We will cancel this Overdraft Protection plan if your checking account or savings account is closed. Please see the Schedule of Fees for your account for more information about overdraft protection from another deposit account. Overdraft Protection from Your Line of Credit This plan links an eligible Community Bank line of credit to your checking account for overdraft protection. When you do not have enough available funds in your checking account to cover a check or other item, we may automatically advance funds from your linked line of credit and transfer the funds to your checking account. The advance is made under, and is subject to, the terms and conditions described in the line of credit agreement. We ordinarily make the advance as long as you are not in default under the line of credit agreement and as long as the advance does not cause you to exceed the amount of your available credit on your line of credit. All owners of the checking account must be on the line of credit. The funds advanced are subject to fees and finance charges under the line of credit agreement. We may also charge an additional overdraft protection transfer fee to your checking account for each transfer. The Line of Credit requires an application and approval following normal credit criteria. Please see your line of credit agreement for more information about overdraft protection from your line of credit. Processing and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include teller deposits, direct deposits and credits we make. Holds include deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transaction to accounts. When we process multiple transactions for your account on the same day, you agree we may determine in our discretion, our posting order for the transactions and we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. We may change our processing and posting order at any time without notice to you. We may give reference to debits payable to us. On your account statement, we do not necessarily report debits and credits in the order we posted them to your account. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Some, but not all, of our categories are shown below. For each debit category shown below, we list common types of debits we assign to the category and summarize how we generally post them within the category. • We add deposits and other credits to your balance. • Then we subtract from your balance any debits from the highest to lowest dollar amount. Common debits in this category can include: ▪ one time and recurring debit card transactions ▪ withdrawals made at our tellers and ATMs ▪ one-time transfers made at ATMs, through our tellers, by telephone, and through Online Banking and Mobile Banking ▪ checks you wrote that are cashed at our tellers ▪ wire transfers ▪ checks you wrote ▪ electronic debits that include: scheduled transfers, preauthorized or automatic payments that use your deposit account number (generally referred to as automated clearing house (ACH) debits), direct debits, and Online Banking and Mobile Banking bill payments ▪ most fees (such as monthly maintenance fees, overdraft item fees, returned item fees, and ATM fees). Some fees may show as “processing” until the next day. Changing Posting Orders You agree that we may determine in our discretion the orders we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Order Determined at End of Day We receive credits, debits, and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time, at the end of the business day. During the day, we show some transactions as processing. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note, we often do not receive debits on the same day you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. You need to account for these debits and subtract them from your balance even if they do not post to your account immediately. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.

Occurrences. An “occurrence” is a day during which your account has at least one overdraft item or returned item. If we transfer your account to another banking center or convert it to a different type of account, your record of overdraft items and returned items continues to apply. Overdraft Protection Plans We recommend that you enroll in one of the optional Overdraft Protection plans described below to help protect your account from overdrafts and declined or returned items. The fees under these plans may be less expensive than the fees for overdrafts and returned items. The Schedule of Fees for your account explains the fees and other charges that apply to Overdraft Protection plans. Please review the Schedule of Fees for your account carefully. Please note: some note the following. Some of these Overdraft Protection plans may not be available in all countries or for all accounts. Only one plan can be linked to a personal checking account at a time. Some checking accounts are not eligible for these plans. Under some plans we make transfers in a minimum amount so we may might not make a transfer if you do not have at least the minimum transfer amount available under the plan. To link accounts under these plans, all of the owner(s) of the checking account must be an owner of the other account. Certain other restrictions may apply. Overdraft Protection from a Savings Account This plan links your checking account to a Community Bank savings account with the same owners for overdraft protection. To link these accounts, the checking account and savings account must be located in the same country. When you do not have enough available funds in your checking account to cover certain itemsan item, we may automatically transfer funds from the available balance in your savings account to your checking account. We may charge an overdraft protection transfer fee for each transfer. Funds you deposit into your savings account may not be available immediately for overdraft protection transfers. Each transfer counts as one of the six limited transactions you are allowed each month from your savings account. We will cancel this Overdraft Protection plan if your checking account or savings account is closed. Please see the Schedule of Fees for your account for more information about overdraft protection from another deposit account. Overdraft Protection from Your Line of Credit This plan links an eligible Community Bank line of credit to your checking account for overdraft protection. When you do not have enough available funds in your checking account to cover a check or other item, we may automatically advance funds from your linked line of credit and transfer the funds to your checking account. The advance is made under, and is subject to, the terms and conditions described in the line of credit agreement. We ordinarily make the advance as long as you are not in default under the line of credit agreement and as long as the advance does not cause you to exceed the amount of your available credit on your line of credit. All owners of the checking account must be on the line of credit. The funds advanced are subject to fees and finance charges under the line of credit agreement. We may also charge an additional overdraft protection transfer fee to your checking account for each transfer. The Line of Credit requires an application application, and approval following normal credit criteria. Please see your line of credit agreement for more information about overdraft protection from your line of credit. Processing and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include teller deposits, direct deposits and credits we make. Holds include deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transaction to accounts. When we process multiple transactions for your account on the same day, you agree that we may determine in our discretion, discretion our posting order for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. We may change our processing and posting order at any time without notice to you. We may give reference to debits payable to us. On your account statement, statement we do not necessarily report debits and credits in the order that we posted them to your account. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Some, but not all, of our categories are shown below. For each debit category shown below, we list some common types of debits that we assign to the category and summarize how we generally post them within the category. •  We add deposits and other credits to your balance. • o Then we subtract from your balance any debits from the highest to lowest dollar amount. Common debits in this category Debits can include: ▪ one  One time and recurring debit card transactions ▪ withdrawals  Withdrawals made at our tellers and ATMs ▪ one One-time transfers made at ATMs, through our tellers, by telephone, and through Online Banking and Mobile Banking ▪ checks  Checks you wrote that are cashed at our tellers ▪ wire tellers; and  Wire transfers ▪ checks  Checks you wrote ▪ electronic  Electronic debits that to include: scheduled transfers, preauthorized or automatic payments that use your deposit account number (generally referred to as automated clearing house (ACH) debits), direct debits, and Online Banking and Mobile Banking bill payments ▪ most  Most fees (such as monthly maintenance fees, overdraft item fees, returned item fees, and ATM fees). Some fees may show as “processing” until the next day. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Order Determined at End of Day We receive credits, debits, and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time, time at the end of the business day. During the day, we show some transactions as processing. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note, note that often we often do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. You need to account for these debits and subtract them from your balance even if they do not post to your account immediately. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.

Occurrences. An “occurrence” is a day during which your account has at least one overdraft item or returned item. If we transfer your account to another banking center or convert it to a different type of account, your record of overdraft items and returned items continues to apply. Overdraft Protection Plans We recommend you enroll in one of the optional Overdraft Protection plans described below to help protect your account from overdrafts and declined or returned items. The fees under these plans may be less expensive than fees for overdrafts and returned items. The Schedule of Fees for your account explains the fees and other charges that apply to Overdraft Protection plans. Please review the Schedule of Fees for your account carefully. Please note: , some of these Overdraft Protection plans may not be available in all countries or for all accounts. Only one plan can be linked to a personal checking account at a time. Some checking accounts are not eligible for these plans. Under some plans we make transfers in a minimum amount so we may not make a transfer if you do not have at least the minimum transfer amount available under the plan. To link accounts under these plans, all of the owner(s) of the checking account must be an owner of the other account. Certain other restrictions may apply. Overdraft Protection from a Savings Account This plan links your checking account to a Community Bank savings account with the same owners for overdraft protection. To link these accounts, the checking account and savings account must be located in the same country. When you do not have enough available funds in your checking account to cover certain itemsan item, we may automatically transfer funds from the available balance in your savings account to your checking account. We may charge an overdraft protection transfer fee for each transfer. Funds you deposit into your savings account may not be available immediately for overdraft protection transfers. Each transfer counts as one of the six limited transactions you are allowed each month from your savings account. We will cancel this Overdraft Protection plan if your checking account or savings account is closed. Please see the Schedule of Fees for your account for more information about overdraft protection from another deposit account. Overdraft Protection from Your Line of Credit This plan links an eligible Community Bank line of credit to your checking account for overdraft protection. When you do not have enough available funds in your checking account to cover a check or other item, we may automatically advance funds from your linked line of credit and transfer the funds to your checking account. The advance is made under, and is subject to, the terms and conditions described in the line of credit agreement. We ordinarily make the advance as long as you are not in default under the line of credit agreement and as long as the advance does not cause you to exceed the amount of your available credit on your line of credit. All owners of the checking account must be on the line of credit. The funds advanced are subject to fees and finance charges under the line of credit agreement. We may also charge an additional overdraft protection transfer fee to your checking account for each transfer. The Line of Credit requires an application and approval following normal credit criteria. Please see your line of credit agreement for more information about overdraft protection from your line of credit. Processing and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include teller deposits, direct deposits and credits we make. Holds include deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transaction to accounts. When we process multiple transactions for your account on the same day, you agree we may determine determine, in our discretion, our posting order for the transactions and we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. We may change our processing and posting order at any time without notice to you. We may give reference to debits payable to us. On your account statement, we do not necessarily report debits and credits in the order we posted them to your account. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Some, but not all, of our categories are shown below. For each debit category shown below, we list common types of debits we assign to the category and summarize how we generally post them within the category. • We add deposits and other credits to your balance. • o Then we subtract from your balance any debits from the highest to lowest dollar amount. Common debits in this category Debits can include: ▪ one One time and recurring debit card transactions ▪ withdrawals Withdrawals made at our tellers and ATMs ▪ oneOne-time transfers made at ATMs, through our tellers, by telephone, and through Online Banking and Mobile Banking ▪ checks Checks you wrote that are cashed at our tellers ▪ wire Wire transfers ▪ checks Checks you wrote ▪ electronic Electronic debits that to include: scheduled transfers, preauthorized or automatic payments that use your deposit account number (generally referred to as automated clearing house (ACH) debits), direct debits, and Online Banking and Mobile Banking bill payments ▪ most Most fees (such as monthly maintenance fees, overdraft item fees, returned item fees, and ATM fees). Some fees may show as “processing” until the next day. Changing Posting Orders You agree that we may determine in our discretion the orders we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Order Determined at End of Day We receive credits, debits, and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time, at the end of the business day. During the day, we show some transactions as processing. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note, we often do not receive debits on the same day you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. You need to account for these debits and subtract them from your balance even if they do not post to your account immediately. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.

Occurrences. An “occurrence” is a day during which your account has at least one overdraft item or returned item. If we transfer your account to another banking center or convert it to a different type of account, your record of overdraft items and returned items continues to apply. Overdraft Protection Plans We recommend that you enroll in one of the optional Overdraft Protection plans described below to help protect your account from overdrafts and declined or returned items. The fees under these plans may be less expensive than the fees for overdrafts and returned items. The Schedule of Fees for your account explains the fees and other charges that apply to Overdraft Protection plans. Please review the Schedule of Fees for your account carefully. Please note: some note the following. Some of these Overdraft Protection plans may not be available in all countries or for all accounts. Only one plan can be linked to a personal checking account at a time. Some checking accounts are not eligible for these plans. Under some plans we make transfers in a minimum amount so we may might not make a transfer if you do not have at least the minimum transfer amount available under the plan. To link accounts under these plans, all of the owner(s) of the checking account must be an owner of the other account. Certain other restrictions may apply. Overdraft Protection from a Savings Account This plan links your checking account to a Community Bank savings account with the same owners for overdraft protectionowners. To link these accounts, the checking account and savings account must be located in the same country. When you do not have enough available funds in your checking account to cover certain itemsan item, we may automatically transfer funds from the available balance in your savings account to your checking account. We may charge an overdraft protection transfer fee for each transfer. Funds you deposit into your savings account may not be available immediately for overdraft protection transfers. Each transfer counts as one of the six limited transactions you are allowed each month from your savings account. We will cancel this Overdraft Protection plan if your checking account or savings account is closed. Please see the Schedule of Fees for your account for more information about overdraft protection from another deposit account. Overdraft Protection from Your Line of Credit This plan links an eligible Community Bank line of credit to your checking account for overdraft protection. When you do not have enough available funds in your checking account to cover a check or other item, we may automatically advance funds from your linked line of credit and transfer the funds to your checking account. The advance is made under, and is subject to, the terms and conditions described in the line of credit agreement. We ordinarily make the advance as long as you are not in default under the line of credit agreement and as long as the advance does not cause you to exceed the amount of your available credit on your line of credit. All owners of the checking account must be on the line of credit. The funds advanced are subject to fees and finance charges under the line of credit agreement. We may also charge an additional overdraft protection transfer fee to your checking account for each transfer. The Line of Credit requires an application application, and approval following normal credit criteria. Please see your line of credit agreement for more information about overdraft protection advances from your line of credit. Processing and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include teller deposits, direct deposits and credits we make. Holds include deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transaction to accounts. When we process multiple transactions for your account on the same day, you agree we may determine in our discretion, our posting order for the transactions and we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. We may change our processing and posting order at any time without notice to you. We may give reference to debits payable to us. On your account statement, we do not necessarily report debits and credits in the order we posted them to your account. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Some, but not all, of our categories are shown below. For each debit category shown below, we list common types of debits we assign to the category and summarize how we generally post them within the category. • We add deposits and other credits to your balance. • Then we subtract from your balance any debits from the highest to lowest dollar amount. Common debits in this category can include: ▪ one time and recurring debit card transactions ▪ withdrawals made at our tellers and ATMs ▪ one-time transfers made at ATMs, through our tellers, by telephone, and through Online Banking and Mobile Banking ▪ checks you wrote that are cashed at our tellers ▪ wire transfers ▪ checks you wrote ▪ electronic debits that include: scheduled transfers, preauthorized or automatic payments that use your deposit account number (generally referred to as automated clearing house (ACH) debits), direct debits, and Online Banking and Mobile Banking bill payments ▪ most fees (such as monthly maintenance fees, overdraft item fees, returned item fees, and ATM fees). Some fees may show as “processing” until the next day. Changing Posting Orders You agree that we may determine in our discretion the orders we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Order Determined at End of Day We receive credits, debits, and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time, at the end of the business day. During the day, we show some transactions as processing. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note, we often do not receive debits on the same day you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. You need to account for these debits and subtract them from your balance even if they do not post to your account immediately. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.Orders

Occurrences. An “occurrence” is a day during which your account has at least one overdraft item or returned item. If we transfer your account to another banking center or convert it to a different type of account, your record of overdraft items and returned items continues to apply. Overdraft Protection Plans We recommend you enroll in one of the optional Overdraft Protection plans described below to help protect your account from overdrafts and declined or returned items. The fees under these plans may be less expensive than fees for overdrafts and returned items. The Schedule of Fees for your account explains the fees and other charges that apply to Overdraft Protection plans. Please review the Schedule of Fees for your account carefully. Please note: , some of these Overdraft Protection plans may not be available in all countries or for all accounts. Only one plan can be linked to a personal checking account at a time. Some checking accounts are not eligible for these plans. Under some plans we make transfers in a minimum amount so we may not make a transfer if you do not have at least the minimum transfer amount available under the plan. To link accounts under these plans, all of the owner(s) of the checking account must be an owner of the other account. Certain other restrictions may apply. Overdraft Protection from a Savings Account This plan links your checking account to a Community Bank savings account with the same owners for overdraft protection. To link these accounts, the checking account and savings account must be located in the same country. When you do not have enough available funds in your checking account to cover certain itemsan item, we may automatically transfer funds from the available balance in your savings account to your checking account. We may charge an overdraft protection transfer fee for each transfer. Funds you deposit into your savings account may not be available immediately for overdraft protection transfers. Each transfer counts as one of the six limited transactions you are allowed each month from your savings account. We will cancel this Overdraft Protection plan if your checking account or savings account is closed. Please see the Schedule of Fees for your account for more information about overdraft protection from another deposit account. Overdraft Protection from Your Line of Credit This plan links an eligible Community Bank line of credit to your checking account for overdraft protection. When you do not have enough available funds in your checking account to cover a check or other item, we may automatically advance funds from your linked line of credit and transfer the funds to your checking account. The advance is made under, and is subject to, the terms and conditions described in the line of credit agreement. We ordinarily make the advance as long as you are not in default under the line of credit agreement and as long as the advance does not cause you to exceed the amount of your available credit on your line of credit. All owners of the checking account must be on the line of credit. The funds advanced are subject to fees and finance charges under the line of credit agreement. We may also charge an additional overdraft protection transfer fee to your checking account for each transfer. The Line of Credit requires an application and approval following normal credit criteria. Please see your line of credit agreement for more information about overdraft protection from your line of credit. Processing and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include teller deposits, direct deposits and credits we make. Holds include deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transaction to accounts. When we process multiple transactions for your account on the same day, you agree we may determine determine, in our discretion, our posting order for the transactions and we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. We may change our processing and posting order at any time without notice to you. We may give reference to debits payable to us. On your account statement, we do not necessarily report debits and credits in the order we posted them to your account. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Some, but not all, of our categories are shown below. For each debit category shown below, we list common types of debits we assign to the category and summarize how we generally post them within the category. •  We add deposits and other credits to your balance. • o Then we subtract from your balance any debits from the highest to lowest dollar amount. Common debits in this category Debits can include: ▪ one  One time and recurring debit card transactions ▪ withdrawals  Withdrawals made at our tellers and ATMs ▪ one One-time transfers made at ATMs, through our tellers, by telephone, and through Online Banking and Mobile Banking ▪ checks  Checks you wrote that are cashed at our tellers ▪ wire  Wire transfers ▪ checks  Checks you wrote ▪ electronic  Electronic debits that to include: scheduled transfers, preauthorized or automatic payments that use your deposit account number (generally referred to as automated clearing house (ACH) debits), direct debits, and Online Banking and Mobile Banking bill payments ▪ most  Most fees (such as monthly maintenance fees, overdraft item fees, returned item fees, and ATM fees). Some fees may show as “processing” until the next day. Changing Posting Orders You agree that we may determine in our discretion the orders we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Order Determined at End of Day We receive credits, debits, and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time, at the end of the business day. During the day, we show some transactions as processing. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note, we often do not receive debits on the same day you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. You need to account for these debits and subtract them from your balance even if they do not post to your account immediately. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.

Occurrences. An “occurrence” is a day during which your account has at least one overdraft item or returned item. If we transfer your account to another banking center or convert it to a different type of account, your record of overdraft items and returned items continues to apply. Overdraft Protection Plans We recommend that you enroll in one of the optional Overdraft Protection plans described below to help protect your account from overdrafts and declined or returned items. The fees under these plans may be less expensive than the fees for overdrafts and returned items. The Schedule of Fees for your account explains the fees and other charges that apply to Overdraft Protection plans. Please review the Schedule of Fees for your account carefully. Please note: some note the following. Some of these Overdraft Protection plans may not be available in all countries or for all accounts. Only one plan can be linked to a personal checking account at a time. Some checking accounts are not eligible for these plans. Under some plans we make transfers in a minimum amount so we may might not make a transfer if you do not have at least the minimum transfer amount available under the plan. To link accounts under these plans, all of the owner(s) of the checking account must be an owner of the other account. Certain other restrictions may apply. Overdraft Protection from a Savings Account This plan links your checking account to a Community Bank savings account with the same owners for overdraft protection. To link these accounts, the checking account and savings account must be located in the same country. When you do not have enough available funds in your checking account to cover certain itemsan item, we may automatically transfer funds from the available balance in your savings account to your checking account. We may charge an overdraft protection transfer fee for each transfer. Funds you deposit into your savings account may not be available immediately for overdraft protection transfers. Each transfer counts as one of the six limited transactions you are allowed each month from your savings account. We will cancel this Overdraft Protection plan if your checking account or savings account is closed. Please see the Schedule of Fees for your account for more information about overdraft protection from another deposit account. Overdraft Protection from Your Line of Credit This plan links an eligible Community Bank line of credit to your checking account for overdraft protection. When you do not have enough available funds in your checking account to cover a check or other item, we may automatically advance funds from your linked line of credit and transfer the funds to your checking account. The advance is made under, and is subject to, the terms and conditions described in the line of credit agreement. We ordinarily make the advance as long as you are not in default under the line of credit agreement and as long as the advance does not cause you to exceed the amount of your available credit on your line of credit. All owners of the checking account must be on the line of credit. The funds advanced are subject to fees and finance charges under the line of credit agreement. We may also charge an additional overdraft protection transfer fee to your checking account for each transfer. The Line of Credit requires an application application, and approval following normal credit criteria. Please see your line of credit agreement for more information about overdraft protection from your line of credit. Processing and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include teller deposits, direct deposits and credits we make. Holds include deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transaction to accounts. When we process multiple transactions for your account on the same day, you agree that we may determine in our discretion, discretion our posting order for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. We may change our processing and posting order at any time without notice to you. We may give reference to debits payable to us. On your account statement, statement we do not necessarily report debits and credits in the order that we posted them to your account. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Some, but not all, of our categories are shown below. For each debit category shown below, we list some common types of debits that we assign to the category and summarize how we generally post them within the category. • We add deposits and other credits to your balance. • o Then we subtract from your balance any debits from the highest to lowest dollar amount. Common debits in this category Debits can include: ▪ one One time and recurring debit card transactions ▪ withdrawals Withdrawals made at our tellers and ATMs ▪ oneOne-time transfers made at ATMs, through our tellers, by telephone, and through Online Banking and Mobile Banking ▪ checks Checks you wrote that are cashed at our tellers tellers; and ▪ wire Wire transfers ▪ checks Checks you wrote ▪ electronic Electronic debits that to include: scheduled transfers, preauthorized or automatic payments that use your deposit account number (generally referred to as automated clearing house (ACH) debits), direct debits, and Online Banking and Mobile Banking bill payments ▪ most Most fees (such as monthly maintenance fees, overdraft item fees, returned item fees, and ATM fees). Some fees may show as “processing” until the next day. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Order Determined at End of Day We receive credits, debits, and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time, time at the end of the business day. During the day, we show some transactions as processing. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note, note that often we often do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. You need to account for these debits and subtract them from your balance even if they do not post to your account immediately. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.