Common use of Online and Mobile Banking Clause in Contracts

Online and Mobile Banking. A password is required to access your account via Online Banking or Mobile Banking Services. You must use your password with your username to access your accounts. At the present time, you may use Online and Mobile Banking to: •□Withdraw funds from your savings, checking, money market, and club accounts; •□Transfer funds between your credit union accounts (limitations may apply); •□Obtain balance information on your credit union accounts; •□Make loan payments from your credit union accounts (limitations may apply); •□Access internet bill pay services to make payment to various creditors; •□Verify whether a check or other item has cleared your account; •□Take an advance from a line of credit account; •□Obtain tax information on amounts earned on applicable accounts (available on Online Banking only); •□Change your password; •□Access or use other services that we may make available to you from time to time; •□Use ApplePay®, Google Pay™, Samsungpay™; Your accounts can be accessed under the credit union Online Banking via personal computer, mobile devices, or the Grow App. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing and/or scheduled maintenance. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are made payable to you as the primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered or after numerous unsuccessful attempts to enter a transaction, and there are limits on the duration of each access. See the Transfer Limitations provision for transfer limitations that apply to Online Banking transactions. Other EFT Disclosures contained in this document apply to Online Banking services as well. You will also be required to comply with instructions and agreements provided on- line when you log onto the Online Banking service.

Online and Mobile Banking. A password If MyCoVantage is activated for your account(s), you will be required to access your account via Online Banking or Mobile Banking Services. You must use your password with your username secure login information to access your accountsthe account(s). At the present time, you may use Online and Mobile Banking MyCoVantage to: •□- Withdraw funds from your savingsshare, checking, money marketand line of credit accounts. - Transfer funds from your share, checking, and club line of credit accounts; •□Transfer funds between your credit union accounts (limitations may apply); •□Obtain balance information on your credit union accounts; •□. - Make loan payments from your credit union accounts (limitations may apply); •□Access internet bill pay services to make payment to various creditors; •□Verify whether a check or other item has cleared your account; •□Take an advance from a share, checking, and line of credit account; •□accounts. - Apply for loan for a vehicle, RV, credit card and more - Access your Kwik Cash (Overdraft Protection) accounts. - Determine if a particular item has cleared. - Obtain tax information on amounts earned on applicable share and checking accounts (available or interest paid on Online Banking only); •□Change your password; •□Access or use other services that we may make available loan accounts. - For a complete listing of features of MyCoVantage, please refer to you from time the document titled, CoVantage Credit Union Consent to time; •□Use ApplePay®MyCoVantage Terms and Conditions, Google Pay™Xxxx Pay Disclosures, Samsungpay™; and Electronic Communications: Consumer Accounts and/or to the current MyCoVantage marketing brochure. Your accounts can be accessed under the credit union Online Banking MyCoVantage via personal computer, computer or mobile devices, or the Grow Appdevice. Online Banking MyCoVantage will be available for your convenience 24 twenty-four hours per day. This service may be interrupted for a short time each day for data processing and/or scheduled maintenanceprocessing. We reserve The Credit Union reserves the right to refuse any transaction which would draw upon insufficient fundsaccount balance, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are made payable to you as the a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified fundsaccount balance. The service will discontinue if no transaction is entered or after numerous unsuccessful attempts to enter a transaction, transaction and there are may be limits on the duration of each access. The following limitations on MyCoVantage transactions may apply: - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. - There is a maximum limit of $30,000 per transfer, provided there are sufficient funds in your account. - See the Transfer Limitations provision Section 2 for transfer limitations that may apply to Online Banking these transactions. Other EFT Disclosures contained in this document apply to Online Banking services as well. You will also be required to comply with instructions and agreements provided on- line when you log onto the Online Banking service.

Online and Mobile Banking. A password is required to access your account via Online Banking or Mobile Banking Services. You must use your password with your username to access your accounts. At the present time, you may use Online and Mobile Banking to: •□• Withdraw funds from your savings, checking, money market, and club accounts; •□• Transfer funds between your credit union accounts (limitations may apply)savings, checking, and money market accounts; •□• Obtain balance information on your credit union accounts; •□• Make loan payments from your credit union accounts (limitations may apply)savings, checking and money market accounts; •□• Access internet bill pay services to make payment to various creditors; •□• Inter-account transfers from saving or checking and line of credit accounts; • Verify whether a check or other item has cleared your account; •□• Take an advance from a line of credit account; •□• Obtain tax information on amounts earned on applicable accounts (available on Online Banking only)accounts; •□• Change your password; •□• Access or use other services that we may make available to you from time to time; •□Use ApplePay®, Google Pay™, Samsungpay™; Your accounts can be accessed under the credit union Online Banking via personal computer, mobile devices, or the Grow RelyOn App. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing and/or scheduled maintenance. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are made payable to you as the primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered or after numerous unsuccessful attempts to enter a transaction, and there are may limits on the duration of each access. See the Transfer Limitations provision for transfer limitations that apply to Online Home Banking transactions. Other EFT Disclosures contained in this document apply to Online Home Banking services as well. You will also be required to comply with instructions and agreements provided on- line online when you log onto the Online Home Banking service.

Online and Mobile Banking. A password is required to access your account via Online Banking or Mobile Banking Services. You must use your password with your username to access your accounts. At the present time, you may use Online and Mobile Banking to: •□• Withdraw funds from your savings, checking, money market, and club accounts; •□• Transfer funds between your credit union accounts (limitations may apply)savings, checking, and money market accounts; •□• Obtain balance information on your credit union Credit Union accounts; •□• Make loan payments from your credit union accounts (limitations may apply)savings, checking and money market accounts; •□• Access internet bill xxxx pay services to make payment to various creditors; •□• Inter-account transfers from saving or checking and line of credit accounts; • Verify whether a check or other item has cleared your account; •□• Take an advance from a line of credit account; •□• Obtain tax information on amounts earned on applicable accounts (available on Online Banking only)accounts; •□• Change your password; •□• Access or use other services that we may make available to you from time to time; •□or • Use ApplePay®, Apple Pay and Google Pay™, Samsungpay™; . Your accounts can be accessed under the credit union Credit Union Online Banking via personal computer, mobile devices, or the Grow RelyOn App. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing and/or scheduled maintenance. We reserve the right to refuse any transaction transaction, which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are made payable to you as the primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered or after numerous unsuccessful attempts to enter a transaction, and there are may limits on the duration of each access. See the Transfer Limitations provision for transfer limitations that apply to Online Home Banking transactions. Other EFT Disclosures contained in this document apply to Online Home Banking services as well. You will also be required to comply with instructions and agreements provided on- line online when you log onto the Online Home Banking service.

Online and Mobile Banking. A password is required to access your account via Online Banking or Mobile Banking Services. You must use your password with your username to access your accounts. At the present time, you may use Online and Mobile Banking to: •□• Withdraw funds from your savings, checking, money market, and club accounts; •□• Transfer funds between your credit union accounts (limitations may apply); •□• Obtain balance information on your credit union accounts; •□• Make loan payments from your credit union accounts (limitations may apply); •□• Access internet bill pay services to make payment to various creditors; •□• Verify whether a check or other item has cleared your account; •□• Take an advance from a line of credit account; •□• Obtain tax information on amounts earned on applicable accounts (available on Online Banking only); •□• Change your password; •□• Access or use other services that we may make available to you from time to time; •□• Use ApplePay®, Google Pay™, Samsungpay™; Your accounts can be accessed under the credit union Online Banking via personal computer, mobile devices, or the Grow App. Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing and/or scheduled maintenance. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are made payable to you as the primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered or after numerous unsuccessful attempts to enter a transaction, and there are limits on the duration of each access. See the Transfer Limitations provision for transfer limitations that apply to Online Banking transactions. Other EFT Disclosures contained in this document apply to Online Banking services as well. You will also be required to comply with instructions and agreements provided on- line when you log onto the Online Banking service.

Online and Mobile Banking. a. A password is and various multifactor security features are required to access your account accounts via Xxxx CU Online Banking or Mobile Banking Servicesservices. You must use your password with your username and the multifactor security features to access your accounts. At the present time, you may use Xxxx CU Online and Mobile Banking to: •□• Withdraw funds from your savings, checking, money market, and club line-of-credit accounts; •□. • Pay bills from your Xxxx CU Checking account via the Xxxx CU Bill Pay Service. • Transfer funds between your credit union accounts (limitations may apply); •□savings and checking accounts. • Obtain balance information on for your credit union Xxxx CU accounts; •□. • Make loan payments from your credit union savings and checking accounts (limitations may apply); •□Access internet bill pay services to make payment to various creditors; •□Verify whether a check or other item has cleared your account; •□Take an advance from a line of credit account; •□Obtain tax information on amounts earned on applicable accounts (available on Online Banking only); •□Change your password; •□Access or use other services that we may make available to you from time to time; •□Use ApplePay®, Google Pay™, Samsungpay™; • Receive account alerts • Receive e-statements Your accounts can be accessed under the credit union Xxxx CU Online Banking via personal computer, computer or mobile devices, or the Grow App. Xxxx CU Online Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing and/or scheduled maintenanceprocessing. We reserve the right to refuse any transaction which that would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are made payable to you as the a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered or after numerous unsuccessful attempts to enter a transaction, and there are may be limits on the duration of each access. See the Transfer Limitations provision for transfer The following limitations that may apply to Xxxx CU Online Banking transactionsand Mobile Banking: • The maximum withdrawal and transfer amounts per day may not exceed the available funds in your account. Other EFT Disclosures contained • The maximum transfer amount per day made to accounts you have previously authorized to transfer to is equal to the available funds in this document apply your account. • Gale CU maintains ACH transfer balance limits for all member accounts. Members will receive more tailored information about specific daily transfer limits when making a transaction through Online Banking. Limits are based on account history, including length of membership and status, as well as other factors. Xxxx CU reserves the right to Online Banking services as welladjust these limits at any time. You will also be required Members may transfer amounts above these limits by using Xxxx CU’s wire transfer service (in person), pursuant to comply with instructions Xxxx CU’s current procedures and agreements provided on- line when you log onto the Online Banking servicefees for outgoing wire transfer services.