Common use of Online Banking Clause in Contracts

Online Banking. If we approve Online Banking for your accounts, a separate password will be assigned to you. You must use your User ID along with your password to access your accounts. At the present time, you may use Online Banking to: • Withdraw funds from your share, savings, checking and money market accounts. • Transfer funds from your share, savings, checking and money market accounts. • Obtain balance information for your share, savings, checking, money market and investment certificate accounts. • Access your line(s) of credit and VISA account. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share, savings, checking, money market and investment certificate accounts or interest paid on loan accounts. • Verify the last date and amount of your payroll deposit. • Obtain negotiated check images. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. 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. 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 after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day. • Additional information and limitations, including cut-off times, are set forth within the Credit Union’s Service Agreement for Online Banking Services and related user instructions. These materials will be available to you online at the time you request services.

Online Banking. If we approve Online Banking for your accounts, a separate password will be assigned to you. You must use your User ID along with your password to access your accounts. At the present time, you may use Online Banking to: • Withdraw funds from your share, savings, checking and money market accounts. • Transfer funds from your share, savings, checking and money market accounts. • Obtain balance information for your share, savings, checking, money market and investment certificate accounts. • Access your line(s) of credit and VISA account. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share, savings, checking, money market and investment certificate accounts or interest paid on loan accounts. • Verify the last date and amount of your payroll deposit. • Obtain negotiated check images. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. 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. 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 after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day. • Additional information and limitations, including cut-off otf times, are set forth within the Credit Union’s Service Agreement for Online Banking Services and related user instructions. These materials will be available to you online at the time you request services.

Online Banking. If we approve Online Banking for your accounts, a separate password will be assigned to you. You must use your User ID along with your password to access your accounts. At the present time, you may use Online Banking to: • Withdraw funds from your share, savings, checking and money market accounts. • Transfer funds from your share, savings, checking and money market accounts. • Obtain balance information for your share, savings, checking, money market and investment certificate accounts. • Access your line(s) of credit and VISA account. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share, savings, checking, money market and investment certificate accounts or interest paid on loan accounts. • Verify the last date and amount of your payroll deposit. • Obtain negotiated check images. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. 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. 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 after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day. • See Section 2 for transfer limitations that may apply to these transactions. • Additional information and limitations, including cut-off times, are set forth within the Credit Union’s Service Agreement for Online Banking Services and related user instructions. These materials will be available to you online at the time you request services.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate password you will be assigned required to you. You must use your User ID along with your password secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • - Withdraw funds funds, in the form of a check from your share, business savings, checking business checking, and money market Business Money Market Plus+ accounts. • - Transfer funds from your share, business savings, checking business checking, loan, and money market Business Money Market Plus+ accounts. • - Obtain balance information for your share, business savings, business checking, money market loan, and investment certificate Business Money Market Plus+ accounts. • - Make loan and Visa payments from your business savings, business checking, and Business Money Market Plus+ accounts. - Access your line(s) Line of credit and VISA accountCredit accounts. • - Determine if a particular item has clearedcleared and print a copy of the cleared item. • Obtain tax information on amounts earned on share, savings, checking, money market and investment certificate accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • - Make bill payments to preauthorized creditors. - Obtain negotiated check images. a copy of your most recent statement Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) hours 24hours per day. This service may be interrupted for a short time each day for data processing. 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 payable to the business as the primary member and will be mailed to the business 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 after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • Additional information and limitations, including cut-off times, are set forth within the Credit Union’s Service Agreement - See Section 2 for Online Banking Services and related user instructions. These materials will be available transfer limitations that may apply to you online at the time you request servicesthese transactions.

Online Banking. If we approve Online Banking for your accountsFor security purposes, a separate password you will be assigned prompted to you. You must use establish a secure login on your User ID along with your password first access to access your accountsOnline Banking. At the present time, you may use Online Banking to: • Withdraw - Transfer funds from between your share, savings, checking checking, and money market accounts. • Transfer funds - Obtain balance information for your savings, checking, loan, XXX, money market, club, and certificate accounts. - Make loan payments from your share, savings, checking checking, and money market accounts. • Obtain balance information for your share, savings, checking, money market and investment certificate accounts. • Access your line(s) of credit and VISA account. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share, savings, checking, money market and investment certificate accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • - Obtain negotiated check imagestax information on amounts earned on savings and checking accounts or interest paid on loan accounts. - Determine if a particular item has cleared. - Make xxxx payments to preauthorizedcreditors. - Transfer to external accounts. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. 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. 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 after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • Additional information and limitations, including cut-off times, are set forth within the Credit Union’s Service Agreement - See Section 2 for Online Banking Services and related user instructions. These materials will be available transfer limitations that may apply to you online at the time you request servicesthese transactions.

Online Banking. If we approve Online Banking for your accounts, a separate password personal identification number (PIN) will be assigned to you. You must use your User ID personal identification number (PIN) along with your password account number to access your accounts. At the present time, you may use Online Banking to: • Withdraw funds from your share, savings, checking and money market accounts. • - Transfer funds from your share, savingsshare draft, checking loan, and money market accounts. • - Obtain balance information for your share, savingsshare draft, checkingloan, XXX, credit card, money market market, and investment certificate accounts. • Access - Make loan payments from your line(s) of credit share and VISA accountshare draft accounts. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share, savings, checking, money market share and investment certificate share draft accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Obtain negotiated check images- Make xxxx payments to preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. 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. 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 after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • Additional information and limitations, including cut-off times, are set forth within the Credit Union’s Service Agreement - See Section 2 for Online Banking Services and related user instructions. These materials will be available transfer limitations that may apply to you online at the time you request servicesthese transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate password you will be assigned required to you. You must use your User ID along with your password secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • Withdraw - Transfer funds from your share, savings, checking checking, loan, and money market accounts. • Transfer funds - Obtain balance information for your savings, checking, loan, money market, and certificate accounts. - Make loan payments from your share, savings, checking checking, and money market accounts. • Obtain balance information for - Access your share, savings, checking, money market and investment certificate Line of Credit accounts. • Access your line(s) of credit and VISA account. • Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share, savings, checking, money market savings and investment certificate checking accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • - Make xxxx payments to preauthorized creditors. - Obtain negotiated transaction history. - Initiate stop payments on checks. The stop payment request will lapse after 14 days unless separately confirmed in writing within that time. - Request a statement/check imagescopy. - Update personal account information (address, email, phone number, etc.). - Person to Person (P2P) and external transfers. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. 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. 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 after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests inquiries you may make in any one (1) day. • Additional information and limitations, including cut-off times, are set forth within the Credit Union’s Service Agreement - See Section 2 for Online Banking Services and related user instructions. These materials will be available transfer limitations that may apply to you online at the time you request servicesthese transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate password you will be assigned required to you. You must use your User ID along with your password secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • Withdraw funds from your share, savings, checking and money market accounts. • - Transfer funds from your share, savings, checking checking, money market, club, and money market Line One Line of Credit and HELOC accounts. • - Obtain balance information for your sharesavings, checking, loan, money market, club, and certificate accounts. - Make loan payments from your savings, checking, money market market, and investment certificate club accounts. • - Access your line(s) Line One Line of credit Credit and VISA accountHELOC accounts. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share, savings, checking, money market savings and investment certificate checking accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Obtain negotiated check images- Make bill payments to preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. 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. 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 after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • There is no limit - See Section 2 for transfer limitations that may apply to the number of inquiries, transfers, or withdrawal requests you may make in any one day. • Additional information and limitations, including cut-off times, are set forth within the Credit Union’s Service Agreement for Online Banking Services and related user instructions. These materials will be available to you online at the time you request servicesthese transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate password you will be assigned required to you. You must use your User ID along with your password secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • Withdraw funds from your share, savings, checking and money market accounts. • - Transfer funds from your share, savingsshare draft, checking and money market accounts. • - Obtain balance information for your share, savingsshare draft, checkingloan, XXX, money market market, club, and investment certificate accounts. • Access - Make loan payments from your line(s) of credit share, share draft, and VISA accountmoney market accounts. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share, savings, checking, money market share and investment certificate share draft accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • - Make xxxx payments to preauthorized creditors. - Obtain negotiated check imagestransaction history. - View eStatements. - View FDLCU Credit Card information. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. 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. 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 after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • Additional information and limitations, including cut-off times, are set forth within the Credit Union’s Service Agreement - See Section 2 for Online Banking Services and related user instructions. These materials will be available transfer limitations that may apply to you online at the time you request servicesthese transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate password you will be assigned required to you. You must use your User ID along with your password secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • - Withdraw funds from your share, savingschecking, checking and money market Miscellaneous Share accounts. • - Transfer funds from your share, savingschecking, checking and money market Miscellaneous Share accounts. • - Obtain balance information for your share, savingschecking, and Miscellaneous Share accounts. - Make loan payments from your share, checking, money market and investment certificate Miscellaneous Share accounts. • Access your line(s) of credit and VISA account. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share, savings, checking, money market share and investment certificate checking accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Obtain negotiated check images. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. 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 payable to you as 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 after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • Additional information and limitations, including cut-off times, are set forth within the Credit Union’s Service Agreement - See Section 2 for Online Banking Services and related user instructions. These materials will be available transfer limitations that may apply to you online at the time you request servicesthese transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate password you will be assigned required to you. You must use your User ID along with your password secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • - Withdraw funds from your share, savingschecking, checking loan, money market, and money market club accounts. • - Transfer funds from your share, savingschecking, checking loan, money market, and money market club accounts. • - Obtain balance information for your share, savingschecking, loan, money market, certificate, XXX, and club accounts. - Make loan payments from your share, checking, club, and money market and investment certificate accounts. • - Access your line(s) of credit Kwik Cash and VISA accountHome Equity Loan accounts. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share, savings, checking, money market share and investment certificate checking accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit or direct deposit. • Obtain negotiated - Make xxxx payments to preauthorized creditors. - View periodic statements, check images, rewards points, eAlerts, pending transactions, and account history. - Make cross-account transfers. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. 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 payable to you as 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 after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • Additional information and limitations, including cut-off times, are set forth within the Credit Union’s Service Agreement - See Section 2 for Online Banking Services and related user instructions. These materials will be available transfer limitations that may apply to you online at the time you request servicesthese transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate password you will be assigned required to you. You must use your User ID along with your password secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • Withdraw funds from your share, savings, checking and money market accounts. • - Transfer funds from your share, savings, checking checking, money market, club, and money market Line One Line of Credit and HELOC accounts. • - Obtain balance information for your sharesavings, checking, loan, money market, club, and certificate accounts. - Make loan payments from your savings, checking, money market market, and investment certificate club accounts. • - Access your line(s) Line One Line of credit Credit and VISA accountHELOC accounts. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share, savings, checking, money market savings and investment certificate checking accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Obtain negotiated check images- Make xxxx payments to preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. 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. 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 after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • There is no limit - See Section 2 for transfer limitations that may apply to the number of inquiries, transfers, or withdrawal requests you may make in any one day. • Additional information and limitations, including cut-off times, are set forth within the Credit Union’s Service Agreement for Online Banking Services and related user instructions. These materials will be available to you online at the time you request servicesthese transactions.

Online Banking. If we approve Online Banking for your accounts, a separate password will be assigned to you. You must use your User ID along with your password to access your accounts. At the present time, you may use Online Banking to: • Withdraw funds from your share, savings, checking and money market accounts. • Transfer funds from your share, savings, checking and money market accounts. • Obtain balance information for your share, savings, checking, money market and investment certificate accounts. • Access your line(s) of credit and VISA account. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share, savings, checking, money market and investment certificate accounts or interest paid on loan accounts. • Verify the last date and amount of your payroll deposit. • Obtain negotiated check images. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. 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. 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 after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day. • See Section 2 for transfer limitations that may apply to these transactions. • Additional information and limitations, including cut-off otf times, are set forth within the Credit Union’s Service Agreement for Online Banking Services and related user instructions. These materials will be available to you online at the time you request services.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate password you will be assigned required to you. You must use your User ID along with your password secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • - Withdraw funds from your share, savings, checking checking, money market, and money market club accounts. • - Transfer funds from your share, savings, checking checking, money market, and money market club accounts. • - Obtain balance information for your share, savings, checking, loan, XXX, money market market, club, certificate, and investment certificate Credit Card accounts. • Access your line(s) of credit and VISA account. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share, savings, checking, money market savings and investment certificate checking accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Obtain negotiated check images- Make xxxx payments to preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. 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 payable to you as 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 after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • Additional information and limitations, including cut-off times, are set forth within the Credit Union’s Service Agreement - See Section 2 for Online Banking Services and related user instructions. These materials will be available transfer limitations that may apply to you online at the time you request servicesthese transactions.

Online Banking. If we approve Online Banking for your accounts, a separate password personal identification number (PIN) will be assigned to you. You must use your User ID personal identification number (PIN) along with your password account number to access your accounts. At the present time, you may use Online Banking to: • - Withdraw funds from your share, savingsshare draft, checking Money Market, and money market Club accounts. • - Transfer funds from your share, savingsshare draft, checking loan, Money Market, and money market Club accounts. • - Obtain balance information for your share, savingsshare draft, checkingloan, money market Money Market, Club, and investment certificate accounts. • Access - Make loan payments from your line(s) of credit share, share draft, Money Market, and VISA accountClub accounts. • - Determine if a particular item has cleared. • Obtain tax information on amounts earned on share, savings, checking, money market and investment certificate accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Obtain negotiated check images. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. 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 payable to you as 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 after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • Additional information - The maximum withdrawal or transfer amount is $10,000.00 per day, and limitations, including cut-off times, are set forth within no transfer or withdrawal may exceed the Credit Union’s Service Agreement available funds in your account. - See Section 2 for Online Banking Services and related user instructions. These materials will be available transfer limitations that may apply to you online at the time you request servicesthese transactions.

Online Banking. If we approve Online Banking for your accounts, a separate password personal identification number (PIN) will be assigned to you. You must use your User ID personal identification number (PIN) along with your password account number to access your accounts. At the present time, you may use Online Banking to: • - Withdraw funds from your share, savings, checking checking, and money market Money Fund accounts. • - Transfer funds from your share, savings, checking checking, loan, and money market Money Fund accounts. • - Obtain balance information for your share, savings, checking, money market certificate, and investment certificate Money Fund accounts. • - Make loan payments from your savings, checking, loan, and Money Fund accounts. - Access your line(s) Line of credit and VISA accountCredit accounts. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share, savings, checking, money market savings and investment certificate checking accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Obtain negotiated check images- Make xxxx payments to preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. 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 payable to you as 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 after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • Additional information and limitations, including cut-off times, are set forth within the Credit Union’s Service Agreement - See Section 2 for Online Banking Services and related user instructions. These materials will be available transfer limitations that may apply to you online at the time you request servicesthese transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), a separate password you will be assigned required to you. You must use your User ID along with your password secure login information to access your accountsthe account(s). At the present time, you may use Online Banking to: • Withdraw funds from your share, savings, checking and money market accounts. • - Transfer funds from your sharemoney market, club, and share (savings), checking share draft (checking), and money market Sub Share accounts. • - Obtain balance information for your shareloan, savings, checkingIRA, money market market, club, certificate, and investment certificate share (savings) and share draft (checking) accounts. • Access - Make loan payments from your line(s) of credit money market, club, and VISA accountshare (savings), share draft (checking), and sub share accounts. • - Determine if a particular item has cleared. • Obtain tax information on amounts earned on share, savings, checking, money market and investment certificate accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Obtain negotiated check images- Make bill payments to preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. 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. 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 after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each access. The following limitations on Online Banking transactions may apply: • - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. • Additional information - The maximum share to share transfer amount is $10,000.00 per day, and limitationsno transfer may exceed the available funds in your account. - The maximum share to loan transfer amount is $2,000.0 per day, including cut-off timesand no transfer may exceed the available funds in your account. - The maximum amount for all other transfers is $1,000.00 per day, are set forth within and no transfer may exceed the Credit Union’s Service Agreement available funds in your account. - See Section 2 for Online Banking Services and related user instructions. These materials will be available transfer limitations that may apply to you online at the time you request servicesthese transactions.