Common use of Online Banking Transactions Clause in Contracts

Online Banking Transactions. At the present time, you or any persons who you have authorized to use your Online Banking Service, sign-on Password, challenge questions or any other access code may use Online Banking to: • Transfer funds between your savings, checking, money market and loan accounts • Transfer funds to accounts of other members and persons using the Electronic Transfer service • Initiate transfers to and from other financial institutions • Access your credit card or line of credit account up to the credit limit • Make loan payments from your savings, checking and money market accounts • Obtain account balance and transaction history on your savings, checking, money market, certificate and IRA accounts (deposit accounts) • Obtain information on your loan account balance, transaction history, payment due dates, loan payoff amounts and finance charges • Access copies of cleared checks, e-Statements and eNotices • Make online Bill Payments from your checking account using the Bill Pay service • Receive bills online through the Online Bill Presentment feature of Bill Pay • Request payments to Rivermark loans or to fund deposit accounts from your external Debit Card • Name your account or loan • Manage your Certificate of Deposit maturity options • Open a new account online • Add a joint owner online Transactions involving your deposit accounts will be subject to the terms of your Membership and Account Agreement. Transactions involving your credit card or loan accounts will be subject to your applicable Credit Card or Loan Agreement and Disclosures.

Online Banking Transactions. At the present time, you or any persons who you have authorized to use your Online Banking Service, sign-on Password, challenge questions or any other access code may use Online Banking to: • Transfer funds between your savings, checking, money market and loan accounts • Transfer funds to accounts of other members and persons using the Electronic Transfer service • Initiate transfers to and from other financial institutions • Access your credit card or line of credit account up to the credit limit • Make loan payments from your savings, checking and money market accounts • Obtain account balance and transaction history on your savings, checking, money market, certificate and IRA accounts (deposit accounts) • Obtain information on your loan account balance, transaction history, payment due dates, loan payoff amounts and finance charges • Access copies of cleared checks, e-Statements and eNotices • Make online Bill Payments from your checking account using the Bill Pay service • Receive bills online through the Online Bill Presentment feature of Bill Pay • Request payments to Rivermark loans or to fund deposit accounts from your external Debit Credit Card • Access and use the personal financial management services and budgeting tools • Name your account or loan • Manage your Certificate of Deposit maturity options • Open a new account online • Add a joint owner online Transactions involving your deposit accounts will be subject to the terms of your Membership and Account Agreement. Transactions involving your credit card or loan accounts will be subject to your applicable Credit Card or Loan Agreement and Disclosures.

Online Banking Transactions. At the present time, you or any persons who you have authorized to use your Online Banking Service, sign-on Password, challenge questions or any other access code may use Online Banking to: • Transfer funds between your savings, checking, money market and loan accounts • Transfer funds to accounts of other members and persons using the Electronic Transfer service • Initiate transfers to and from other financial institutions • Access your credit card or line of credit account up to the credit limit • Make loan payments from your savings, checking and money market accounts • Obtain account balance and transaction history on your savings, checking, money market, and certificate and IRA accounts (deposit accounts) • Obtain information on your loan account balance, transaction history, payment due dates, loan payoff amounts and finance charges • Access copies of cleared checks, e-Statements and eNotices • Make online Bill Payments from your checking account using the Bill Pay service • Receive bills online through the Online Bill Presentment feature of Bill Pay • Request payments to Rivermark loans or to fund deposit accounts from your external Debit Card • Access and use the personal financial management services and budgeting tools • Name your account or loan • Manage your Certificate of Deposit maturity options • Open a new account online • Add a joint owner online Transactions involving your deposit accounts will be subject to the terms of your Business Membership and Account Agreement. Transactions involving your credit card or loan accounts will be subject to your applicable Credit Card or Loan Agreement and Disclosures.

Online Banking Transactions. At the present time, you or any persons who you have authorized to use your Online Banking Service, sign-on Password, challenge questions or any other access code may use Online Banking to: • Transfer funds between your savings, checking, money market and loan accounts • Transfer funds to accounts of other members and persons using the Electronic Transfer service • Initiate transfers to and from other financial institutions • Access your credit card or line of credit account up to the credit limit • Make loan payments from your savings, checking and money market accounts • Obtain account balance and transaction history on your savings, checking, money market, certificate and IRA accounts (deposit accounts) • Obtain information on your loan account balance, transaction history, payment due dates, loan payoff amounts and finance charges • Access copies of cleared checks, e-Statements and eNotices • Make online Bill Payments from your checking account using the Bill Pay service • Receive bills online through the Online Bill Presentment feature of Bill Pay • Request payments to Rivermark loans or to fund deposit accounts from your external Debit Card debit card • Name your account or loan • Manage your Certificate of Deposit maturity options • Open a new account online • Add a joint owner online (consumer accounts) Transactions involving your deposit accounts will be subject to the terms of your Membership and Account Agreement or Business Membership and Account Agreement, as applicable. Transactions involving your credit card or loan accounts will be subject to your applicable Credit Card or Loan Agreement and Disclosures.

Online Banking Transactions. At the present time, you or any persons who you have authorized to use your Online Banking Service, sign-on Password, challenge questions or any other access code may use Online Banking to: • Transfer funds between your savings, checking, money market and loan accounts • Transfer funds to accounts of other members and persons using the Electronic Transfer service • Initiate transfers to and from other financial institutions • Access your credit card or line of credit account up to the credit limit • Make loan payments from your savings, checking and money market accounts • Obtain account balance and transaction history on your savings, checking, money market, certificate and IRA accounts (deposit accounts) • Obtain information on your loan account balance, transaction history, payment due dates, loan payoff amounts and finance charges • Access copies of cleared checks, e-Statements and eNotices • Make online Bill Payments from your checking account using the Bill Pay service • Receive bills online through the Online Bill Presentment feature of Bill Pay • Request payments to Rivermark loans or to fund deposit accounts from your external Debit Card • Access and use the personal financial management services and budgeting tools • Name your account or loan • Manage your Certificate of Deposit maturity options • Open a new account online • Add a joint owner online Transactions involving your deposit accounts will be subject to the terms of your Membership and Account Agreement. Transactions involving your credit card or loan accounts will be subject to your applicable Credit Card or Loan Agreement and Disclosures.

Online Banking Transactions. At the present time, you or any persons who you have authorized to use your Online Banking Service, sign-on Password, challenge questions or any other access code may use Online Banking to: • Transfer funds between your savings, checking, money market and loan accounts • Transfer funds to accounts of other members and persons using the Electronic Transfer service • Initiate transfers to and from other financial institutions • Access your credit card or line of credit account up to the credit limit • Make loan payments from your savings, checking and money market accounts • Obtain account balance and transaction history on your savings, checking, money market, and certificate and IRA accounts (deposit accounts) • Obtain information on your loan account balance, transaction history, payment due dates, loan payoff amounts and finance charges • Access copies of cleared checks, e-Statements and eNotices • Make online Bill Payments from your checking account using the Bill Pay service • Receive bills online through the Online Bill Presentment feature of Bill Pay • Request payments to Rivermark loans or to fund deposit accounts from your external Debit Credit Card • Access and use the personal financial management services and budgeting tools • Name your account or loan • Manage your Certificate of Deposit maturity options • Open a new account online • Add a joint owner online Transactions involving your deposit accounts will be subject to the terms of your Business Membership and Account Agreement. Transactions involving your credit card or loan accounts will be subject to your applicable Credit Card or Loan Agreement and Disclosures.