Common use of OVERDRAFT PROTECTION Clause in Contracts

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.

OVERDRAFT PROTECTION. If I wish ATB Financial may provide you with overdraft protection for the Account to a maximum amount approved by ATB Financial (“Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any timeATB Financial may, at in its sole discretion, on and without prior notice to me. Once terminatedyou, Overdraft Protection is no longer available to me. I can use reduce or increase the Overdraft Protection Limit. At any time and without prior notice, ATB Financial may reduce or terminate overdraft protection and refuse to honour any cheques or items that would overdraw or further overdraw the Account even if there are not enough funds in my account(s) ATB Financial has previously permitted you to cover a overdraw the Account. Should ATB Financial honour any cheque or other debit item I have authorized or a withdrawal I have made up to that would overdraw your Account beyond the approved Overdraft Limit. I , the balance may access not remain in excess of the Overdraft Protection by writing cheques or by Limit for more than thirty (30) calendar days. Overdraft interest, at a rate specified on the Rate and Fee Schedule, will be calculated (but not compounded) daily. ATB Financial may change the overdraft interest rate without prior notice to you. ATB Financial’s determination of the overdraft interest rate at any other debit transaction I initiate all of which shall time will be considered an advance or loan to meabsolutely binding on you. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached interest, upon becoming overdue, will constitute a payment on the Overdraft Protection be treated as principal and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union bear compound interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate overdraft interest rate. You agree to repay to ATB Financial the overdraft within sixty (60) calendar days of overdrawing the Account. Provided the overdraft, together with any interest charged by and fees, has been repaid within the 60-calendar day period, you from time to time for Overdraft Protection and may again overdraw the Account. ATB Financial may demand payment at any Overdraft Protection charges established by the Credit Union from time to time. If not paidUpon demand, the Credit Union may advance on the Overdraft Protection to pay such interest. I you agree to pay the full amount overdrawn, together with interest owing on and any applicable fees. You will notify ATB Financial immediately of any adverse change in your financial circumstances. Upon request, you agree to provide ATB Financial with security to secure the Overdraft Protection including interest Upon Demand overdraft and as collateral for overdraft repayment. You acknowledge that the terms and conditions of the security agreement will impose additional obligations upon you and you agree to abide by the Credit Unionterms and conditions set out in the security agreement. If I default on paymentAt your written notice, I agree ATB Financial will terminate all overdraft protection as soon as reasonably practical to do so. Termination will not relieve you of your obligation to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit full amount overdrawn, together with interest on such overdraft at the interest rate charged by you from time to time owing and any overdraft charges established by the Credit Union from time applicable fees to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalATB Financial.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with “Overdraft Protection” allows us to transfer funds from your Account and prevent overdrafts on a registered PNC Bank, National Association checking account. If I you enroll, or have been approved for enrolled, in Overdraft Protection with my accountProtection, I can borrow the following terms apply to your Account. When you enroll in Overdraft Protection, it will take up to the limit set by the Credit Union twelve (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s12) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and days for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interestbe activated. I agree You authorize us to pay the amount owing on the make Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved advances (“Overdraft Protection Limit or if there is no Advances”) from your Account as provided in this Agreement and any separate Overdraft Protection on my terms and conditions that were provided to you that apply to your checking account I promise to pay upon your request any amounts if a checking account that overdraw my account(s)(“an overdraft”) which you registered when enrolling in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthlybecomes overdrawn. Any Overdraft Protection Advance will be processed and will post as a cash advance to your Account. You will be charged a cash advance fee for each Overdraft Protection Advance. In addition to any cash advance fee and finance charges that are assessed to your Account for an Overdraft Protection Advance, separate fees may be assessed to your designated checking account(s) for accessing Overdraft Protection (see the fee schedule for your checking account(s) for specific fee information). We may cancel Overdraft Protection privileges under the Account even if the Account remains open for other transactions. Overdraft Protection privileges will be automatically cancelled if the Account is subject closed by either you or us at any time. Overdraft Protection may be suspended if your Account is in default as defined in this Agreement. If your right to use the Account has been cancelled or suspended, or if you are in default under the terms of this Agreement, and we refuse to make an Overdraft Protection Advance, we may, in our sole discretion, (i) not pay any checks, items or entries that would cause an overdraft with respect to the applicable lending policy on qualification checking account or (ii) pay any checks, items or entries and approvalpermit an overdraft with respect to the applicable checking account. In either case, certain checking account fees may apply (see the fee schedule for your checking account(s) for specific fee information). An Overdraft Protection Advance will be made only once per day for each designated checking account. Overdraft Protection Advances to your checking account from the Account are processed after the close of business Monday through Friday. Overdraft Protection Advances will be made for a minimum amount as detailed in the Overdraft Protection terms and conditions that were provided to you that apply to your checking account; amounts over the minimum amount will be rounded up to the next whole dollar.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved you have overdraft protection to cover any overdrafts in your Checking Account, the following provisions apply: (1) At the time you applied for ityour overdraft protection Line Of Credit, you agreed that an overdraft on your Checking Account will result in advances to your Checking Account, including overdrafts resulting from Electronic Fund Transfers. Every (2) At the time you applied for Membership, in addition to the acceptance of the Card, you signed a separate acknowledgment on the membership application giving us a secured interest - called a pledge - in all present or future shares which you have with us in the account does not come with Overdraft Protectiondesignated on the application. If I have been approved for Overdraft Protection with my you fail to make your payments when due, we can deduct money from your shares to pay any or all amounts owed to the extent permitted by law. While your payments are up-to-date, you can withdraw shares from this account, I can borrow even though they are pledged to us. However, if you withdraw all your shares, you are no longer a member and you cannot obtain new advances. COURTESY PAY OVERDRAFT COVERAGE: If necessary, after exhausting all other account sources, the Credit Union’s Courtesy Pay Overdraft (CPOD) program may cover transfers exceeding the Checking Account balance up to $250 or $500 depending upon your status. For Debit Card coverage of Courtesy Pay Overdraft, You must “opt-in” to be eligible to receive this service or your purchase(s) may be declined if your purchase(s) overdraws your account. All members in good standing are granted the limit set by option for the overdraft protection privilege. Please refer to the Credit Union (Union’s Courtesy Pay Overdraft Policy and the “Limit”)Fee and Rate Schedule for the cost per overdraft transaction and maximum number of fees that may be placed on your account per day. For members who are not in good standing, all other account sources will first be exhausted. Transfers exceeding account balances will not be processed. However, if funds are in your account at time of purchase and at the time the transaction is processed your funds are not available, your transaction(s) may be declined or if you have opted-in your transactions may be paid and you would be charged an overdrawn fee as stated in the Fee and Rate Schedule. CARD USE: Your card allows transactions to be made on your account. The Credit Union may change may, without liability or advance notice, revoke or limit all cards issued under this Agreement. Upon demand, you will surrender the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice card promptly to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree The Debit card allows you to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you access available funds in your absolute discretion may permit together with interest on such overdraft at account, within the interest rate charged by you daily limits described herein, to purchase goods and services, and to receive cash advances from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraftyour account. The Overdraft Protection rate and any overdraft rate, if different, CFCU Visa Debit card is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalNOT a credit card.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated paymentProtection. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply Options You may select an overdraft source. By doing so, when you do not have enough available funds in your account to cover a check or other item drawn by any account holder or authorized signer, you authorize and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my direct Sun East to automatically transfer funds from another designated Sun East account, I can borrow up such as a savings account, or from an overdraft line of credit. Sun East reserves the right to charge an overdraft protection transfer fee for such transfers. See Sun East’s Schedule of Fees and Charges for a current list of fees. Please Note: Overdraft protection transfers are subject to Federal Regulation D and are therefore limited in number as described above. Additionally, Sun East offers the limit set by following overdraft services: Courtesy Pay Privilege. Sun East’s discretionary overdraft program provides account holders in “good standing” the Credit Union service of paying overdraft items including checks, automatic bill payment (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if ACH) and other transactions using your checking account number when there are not enough funds in my account(s) the checking account to cover a cheque or the items. This non-contractual courtesy of paying overdrafts for checks, other debit item I have authorized or a withdrawal I have transactions made using your checking account number and automatic bill payments requires no account holder action. It costs nothing unless the privilege is used. If you meet eligibility requirements and need to use this service, we may, at our sole discretion, pay the item(s) up to the Limitauthorized limit and will charge your account the Courtesy Pay Fee as listed in Sun East’s Schedule of Fees and Charges for each item that overdraws the account. I may access Courtesy Pay Privilege does not authorize us or allow us to pay ATM transactions or every day debit card transactions. Courtesy Pay Privilege Plus. Overdraft Opt-In Service for everyday debit card and ATM transactions provides account holders in “good standing” the Overdraft Protection by writing cheques option to authorize Sun East to pay everyday debit card and ATM transactions when there are not enough funds in their checking account to cover these transactions. Federal regulations require that members opt-in to this service. For information on how to opt in to Courtesy Pay Privilege Plus for everyday debit card and ATM transactions, contact us. Sun East will not pay overdrafts you make using your Debit Card for everyday purchases at stores, online or by any other debit transaction I initiate all of which shall telephone or ATM transactions, unless you sign a Courtesy Pay Privilege Plus Opt-In form letting us know that you wish to be considered an advance or loan eligible for this service. If you Opt-In to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will this feature, we may, at our sole discretion, pay the Credit Union interest on all amounts advanced item(s) up to the Limit from authorized limit and will charge your account the date Courtesy Pay Fee as listed in Sun East’s Schedule of Fees and Charges for each item that overdraws the advanceaccount. At any time, as well after as before maturity, default or judgment at the rate you may change your decision and opt out of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to timeCourtesy Pay Privilege Plus. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraftCourtesy Pay Privilege/Plus Policy. The Overdraft Protection rate and any overdraft rate, if different, Courtesy Pay Privilege/ Plus program is posted at the Credit Union and identified in statements or publications made available to mecertain account holders in “good standing.” Please Note: Courtesy Pay Privilege/Plus is not available on all account types, such as minor/UTMA, estate, Representative Payee or VA Custodian accounts. Interest accrues daily and Account in “good standing” is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.defined as:

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved you choose to use your Account for Overdraft Protection with my accountcoverage, I can borrow up you agree that Cash Advances will be automatically made from your credit card Account to the limit set by the Credit Union your designated Synovus Bank Deposit Account (the “LimitDeposit Account”) on occasions when the amount of the Deposit Account debits authorized by authorized party(ies) are in excess of the balance available in the Deposit Account. These debits may be checks or drafts written by authorized party(ies), automatic withdrawals by authorized party(ies), check card transactions made by authorized party(ies); or any other debits authorized or originated by authorized party(ies). Each such cash advance (an “Overdraft Advance”) must be repaid as a part of your total indebtedness under this Agreement with all applicable Finance Charges and fees as described in the Summary of Terms. The Credit Union Limit applicable to your credit card Account from time to time pursuant to this Agreement will not be increased or expanded because of Overdraft Advances. By participating in the Overdraft Protection coverage, you acknowledge and agree to the following: (i) the privileges attached to this Overdraft Protection coverage are contingent upon you maintaining and properly handling both the Deposit Account and the credit card Account; (ii) the Overdraft Protection will immediately terminate upon the closing of either the credit card Account or the Deposit Account for any reason; (iii) we may change review the Limit Account involved in this Agreement and, upon a finding of any misuse, fraudulent behavior, or violation of the terms of this Agreement, we may withdraw any Overdraft Protection coverage or suspend your use of the Card or other credit extended under your Account; (iv) it is possible that an Overdraft Advance may result in creating a credit card Account balance in excess of your approved Credit Limit, or exceeding the available credit under any lower limit you may assign to your credit card Account (which also applies to Overdraft Advances), which may cause Purchase or Cash Advance transactions with your Card to be declined. However, we are not obligated to make such Overdraft Advances that would exceed your Credit Limit; and (v) we reserve the right to process, under normal return procedures, any check or debit items which would create an excess balance or any other situation in violation of this or any other agreement between us and you. You acknowledge that you can choose to terminate the Overdraft Protection coverage on your credit card at any time, time by calling us at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment number on the Overdraft Protection back of your Card and following the procedures for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date cancellation of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalcoverage.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved you have overdraft protection to cover any overdrafts in your Checking Account, the following provisions apply: (1) At the time you applied for ityour overdraft protection Line Of Credit, you agreed that an overdraft on your Checking Account will result in advances to your Checking Account, including overdrafts resulting from Electronic Fund Transfers. Every (2) At the time you applied for Membership, in addition to the acceptance of the Card, you signed a separate acknowledgment on the membership application giving us a secured interest - called a pledge - in all present or future shares which you have with us in the account does not come with Overdraft Protectiondesignated on the application. If I have been approved for Overdraft Protection with my you fail to make your payments when due, we can deduct money from your shares to pay any or all amounts owed to the extent permitted by law. While your payments are up-to-date, you can withdraw shares from this account, I can borrow even though they are pledged to us. However, if you withdraw all your shares, you are no longer a member and you cannot obtain new advances. COURTESY PAY OVERDRAFT COVERAGE: If necessary, after exhausting all other account sources, the Credit Union’s Courtesy Pay Overdraft (CPOD) program may cover transfers exceeding the Checking Account balance up to $250 or $500 depending upon your status. For Debit Card coverage of Courtesy Pay Overdraft, You must “opt-in” to be eligible to receive this service or your purchase(s) may be declined if your purchase(s) overdraws your account. All members in good standing are granted the limit set by option for the overdraft protection privilege. Please refer to the Credit Union (Union’s Courtesy Pay Overdraft Policy and the “Limit”)Fee and Rate Schedule for the cost per overdraft transaction and maximum number of fees that may be placed on your account per day. For members who are not in good standing, all other account sources will first be exhausted. Transfers exceeding account balances will not be processed. However, if funds are in your account at time of purchase and at the time the transaction is processed your funds are not available, your transaction(s) may be declined or if you have opted-in your transactions may be paid and you would be charged an overdrawn fee as stated in the Fee and Rate Schedule. CARD USE: Your card allows transactions to be made on your account. The Credit Union may change may, without liability or advance notice, revoke or limit all cards issued under this Agreement. Upon demand, you will surrender the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice card promptly to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree The Debit card allows you to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you access available funds in your absolute discretion may permit together with interest on such overdraft at account, within the interest rate charged by you daily limits described herein, to purchase goods and services, and to receive cash advances from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraftyour account. The Overdraft Protection rate and any overdraft rate, if different, CFCU MasterCard Debit card is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalNOT a credit card.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized written or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.

OVERDRAFT PROTECTION. If I wish This is an optional service you can add to your checking account by linking up to three (3) eligible accounts to serve as overdraft protection. We will use available funds in your linked account(s) to authorize or pay your transactions if you don’t have enough money in your checking account. A single Overdraft Protection I understand I must apply and Transfer Fee will be approved assessed each time a transfer/advance is made regardless of the number of transactions covered or whether money is transferred/advanced from multiple accounts. The fee for itan overdraft transfer is set forth in the Schedule. Every Transfers from a deposit account does will be governed by this Agreement. Transfers from a loan account will be governed by the applicable loan agreement. We will not come with assess a fee unless the transfer/advance helped you avoid at least one overdraft or returned item. If you link multiple accounts, you may tell us the order in which you would like the funds transferred/advanced from. If you do not specify an order, we will first transfer funds from your linked savings account. Linked Account Transfers for Overdraft Coverage (“Overdraft Protection. ”): If I you have been approved for our Overdraft Protection with my accountplan, I can borrow up to the limit set by you authorize the Credit Union (to transfer funds from the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my eligible account(s) designated by you ("Transfer Account") to the overdrawn account. Transfers will be performed in accordance with your written transfer instructions, our overdraft procedures, or other agreements you have with the Credit Union. Transfers from a loan account will be governed by the applicable loan agreement. Funds in your Transfer Account(s) will be transferred to your overdrawn account in increments of $100 to cover the NSF transaction. If the balance in your Transfer Account is $100 or less, the entire balance in the Transfer Account will be transferred. If the first Transfer Account does not have a cheque or other debit item I sufficient balance to cover the overdraft, the balance in that Transfer Account will be transferred and the remaining amount needed to cover the transaction will be transferred from the next Transfer Account(s) in an order you have authorized or a withdrawal I have made designated. You may designate up to three qualified transaction accounts to serve as overdraft protection. You understand that your use of your checking account and transfer accounts is subject to the LimitCredit Union's Membership Agreement and other account service charges may apply. I Linked Line of Credit Transfers for Overdraft Coverage (“Overdraft Protection”): If you have been approved for a Line of Credit, you may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay request the Credit Union interest on to transfer funds from your line of credit loan to pay overdraft transactions. Unless provided otherwise in your Loan Agreements, there is no transfer fee when the transfer is from an approved Line of Credit. Transfers from your Line of Credit will be made in $100 increments to cover the NSF transaction. No transfer will be made from your Line of Credit: (1) which would cause your outstanding Line of Credit balance to exceed the approved limit; or (2) any time your Line of Credit is not current, or is otherwise considered to be in default by us. Any transfer from your Line of Credit will constitute an authorized advance under your Line of Credit Agreement loan documents. You understand that all amounts advanced up transfer requests from your Line of Credit are subject to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged prior authorization by you from time to time for Overdraft Protection us and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, that the Credit Union may advance on cancel this overdraft protection at any time. You will only have protection under a Line of Credit if you apply and are approved for this loan service. A complete Line of Credit Agreement will be sent upon approval, which will govern and control our loan relationship with you. You further understand and agree that the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by terms of your Line of Credit Agreement will govern any conflicts between any other agreements between you and the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my There are three overdraft protection plans Mission Fed may use to pay an overdraft on your account, I can borrow up and in most cases a fee will be charged for each item paid using any one of the three overdraft protection plans. Refer to the limit set by current Consumer Fee Schedule for the Credit Union (different fee amounts you may pay depending on the “Limit”)type of overdraft protection used. Transactions may not be processed in the order in which they occurred. The Credit Union order in which transactions are received and processed may change affect the Limit or terminate total fees you are charged, and fees may decrease the amount available for transaction authorization under these overdraft protection plans. Overdraft Protection at any timeTransfer. We will first attempt to transfer available funds from your other accounts and loans in the order specified by your instructions. In the absence of instructions from you, at its sole discretionMission Fed may, on notice but is under no obligation to me. Once terminatedand generally will not, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough transfer funds in my account(s) to cover a cheque any order and from any of your accounts or other debit item I have authorized or a withdrawal I have loans. Transfers will be made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree amount needed to pay the amount owing on item plus applicable fees. Refer to the current Consumer Fee Schedule for the fee amount. Regulation D transfer limits apply to transfers from certain shares. Refer to Regulation D Account Transfer Limitations in the Truth in Savings Act Disclosure for additional information. Mission Courtesy Pay. If a check or ACH item is presented for payment and your available balance is insufficient to pay an item, and we are unable to transfer funds as described above in the Overdraft Protection including interest Upon Demand Transfer section, at our discretion we may pay eligible transactions. A fee will be charged for each item we pay that results in a negative available balance. This service is only available on accounts that meet specified criteria as determined by Mission Fed, and the Credit Unionamount your account will be taken negative utilizing this service may fluctuate based on your account status. Contact Mission Fed to determine whether your account is eligible and the maximum overdraft amount available. Fees will decrease the amount available for payment of your eligible transactions under this service. Mission Fed reserves the right to limit participation, add or delete eligible transactions and discontinue the service at any time without prior notice. If I default you are eligible, you will be automatically enrolled, and if you do not wish to utilize this service you must notify us. For members who participate in Mission Courtesy Pay and already have Mission Debit Card Privilege for POS and signature-based Debit Card purchase transactions, the maximum overdraft amount available is for both services. Mission Debit Card Privilege. This service is only available on paymentaccounts that meet specified criteria determined by Mission Fed and you must enroll, I agree or opt-in, to pay Mission Debit Card Privilege (MDCP) to utilize this service. In the charges applicable event a POS or signature-based Debit Card transaction is presented for authorization and funds are not sufficient in your available balance to Overdraft Protectionauthorize the item, the item may be declined. With MDCP, the transaction may be authorized and take your available account balance negative. Fees will be charged for items paid resulting in a negative available balance, and holds for Debit Card transactions are excluded from available balance calculations during fee assessment. The maximum amount your account will be taken negative utilizing this service may fluctuate based on your account status. Contact Mission Fed to determine whether your account is eligible and the maximum overdraft amount for which your account qualifies. Mission Fed reserves the right to limit participation, add or delete transaction types and discontinue the service at any time without prior notice. If I overdraw you have opted-in to this service and no longer wish to utilize this service, please contact us. For members who choose to participate in MDCP and already have Mission Courtesy Pay for checks and ACH items, the approved Overdraft Protection Limit or if there total overdraft amount is no Overdraft Protection on my account I promise for both services. If you have other overdraft plans in place, those plans will be utilized prior to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalMDCP.

OVERDRAFT PROTECTION. ❑ Yes ❑ No Share Draft Account Overdrafts will be covered by a transfer from: Share Account # Share Account # Loan # Primary Account Owner (PLEASE PRINT – All items must be completed) Last Name First Name M.I Birthdate Tax ID/Social Security Number Driver’s License # State Mother’s Maiden Name Street Address ( ) City State Zip Home Phone ( ) Employer Date of Hire Work Phone E-mail address: Membership Eligibility (Name of Employer or Family Member) If eligible through employer, attached a copy of recent pay stub. Family Member Relationship If Family Member (or if adding to existing account): Account Number Joint Owner’s Information Joint Owner’s Last Name First Name M.I Birthdate Joint Owner’s Tax ID/Social Security Number Driver’s License # State Mother’s Maiden Name Street Address ( ) City State Zip Home Phone ( ) Employer Date of Hire Work Phone E-mail address: Signatures: By signing below, I wish Overdraft Protection certify, in accordance with IRS W-9 instructions under penalties of perjury, that the Social Security Number/Taxpayer Identification Number on the application is correct and that I understand am not, unless designated below subject to back-up withholding. Unless designated below, I must apply affirm that I have not been notified that I am subject to back-up withholding as a result of a failure to report all dividends or interest, or because the IRS has notified me that I am no longer subject to back-up withholding and be approved for itI am a US person (including a US resident alien). Every account ❑ I am subject to back-up withholding. By signing below, I/we acknowledge receipt of MY Credit Union’s Master Disclosure and Fee Schedule and agree to their terms and conditions. This authorizes MY Credit Union to do an independent credit review, including the verification of my employment history, and obtaining credit reports now and in the future. MY Credit Union has the right to furnish other credit reporting services with information about my credit. Note: the IRS does not come with Overdraft Protectionrequire your consent to any provisions of this document other than the certifications required to avoid back-up withholding. If I have been approved for Overdraft Protection with X Primary Member Signature Date X Joint Owner Signature Date Approved by Membership Officer (Name) Designation of Beneficiary The following (Pay on Death) beneficiary is to receive proceeds from my/our Savings accounts upon my account, I can borrow up death or the death of both joint owners. Name of Beneficiary Tax ID/Social Security# Birthdate Name of Beneficiary Tax ID/Social Security# Birthdate Mailing Address Contact Us Branch Hours Access 24 CU Service Centers X.X. Xxx 0000 T: (000) 000-0000 9:00 am to the limit set by the Credit Union 4:00 pm (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice 000) 000-0000 Provides in-person access to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.MyCU

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply is a service that automatically transfers funds to a qualifying deposit account to cover an overdraft by one or more of the following methods: (i) transfer of funds from a designated credit account; (ii) transfer of funds from a designated money market account; (iii) transfer of funds from a designated sweep investment account or credit line sweep account; (iv) transfer of funds from a designated sweep investment account or credit line sweep account first and be approved for itif funds are not available, from a designated money market account. Every Any credit account does not come with is subject to qualification and the terms and conditions contained in the applicable credit agreement. All fees applicable to your credit account are also contained in the credit agreement. The amount of Overdraft Protection available from a linked BB&T Visa is limited to the amount of the available Cash Advance limit. Your local BB&T financial center can discuss which credit accounts are available to provide Overdraft Protection. If I Overdraft Protection may not be available to cover an overdraft if you have been approved exceeded your credit limit or available money market account balance. You will be charged applicable overdraft fees as disclosed in the Business Services Pricing Guide if your Overdraft Protection is not available. Automatic or other “convenient” transfers made from a designated money market account to a checking account for Overdraft Protection with my accountare included in transactions that are limited to no more than six (6) per monthly statement cycle. The transfer limitations and the other terms and conditions governing the designated money market account are more fully described in this Agreement under the heading “Money Market and Investment Accounts.” If a check/debit or other item (“item”) is presented against your checking account when there is an insufficient balance to cover the amount of the item, I can borrow up funds will be automatically transferred from your designated overdraft protection option to the limit set by checking account in the Credit Union (amount needed to cover the “Limit”)overdraft amount. The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if If there are not enough funds in my account(s) to cover the entire amount of the overdraft item presented for payment, the item may be returned unpaid and a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access fee charged in accordance with your overdraft decision for the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to meReview process. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may Each automatic transfer from any of my certain credit accounts including any joint or from a designated money market account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification Automatic Overdraft Protection Transfer Fee and approvalthe Excessive Activity Fee, if applicable, as described in the Business Services Pricing Guide. The Transfer Fee will be assessed directly against the checking account receiving the funds from the automatic transfer and any Excessive Activity Fee will be assessed against the money market account. The Bank reserves the right to return any overdraft that cannot be covered by an automatic transfer from your credit account, sweep account, or designated money market account. Any overdraft that cannot be covered by your designated overdraft protection option will be subject to the Bank’s current overdraft fees in accordance with your overdraft decision for the Overdraft Review process.

OVERDRAFT PROTECTION. Overdrafts will be handled in accordance with these overdraft protection procedures and any overdraft protection feature of a Logix credit card or line of credit agreement you have with us. If I wish you have an overdraft, then we will look first to your Logix Credit Card or ReadyLine of Credit for available credit to advance funds to cover the overdraft. If you do not have a Logix Credit Card or ReadyLine of Credit, or sufficient credit is not available on your Logix Credit Card or ReadyLine of Credit, then we will look to your Logix savings account for available funds to cover overdrafts. If you do not have sufficient funds in your savings account, then we may, subject to the conditions described below, pay the overdraft item on your behalf. This is known as the Logix Courtesy Pay program. You may establish a sequence different from that described above for the transfer of available funds to cover overdrafts by contacting us at 000-000-0000. We may but shall not be required to pay overdrafts by any of these means. All Overdraft Protection I understand I must apply advances from a Logix Credit Card or ReadyLine of Credit, and funds transfers from a Logix savings account, will be approved for itmade in $100 increments. Every Should your Logix Credit Card, ReadyLine of Credit or savings account does not come with Overdraft Protectioncontain the required $100 increment we will advance any available credit or transfer any available savings account funds (we may also advance/transfer funds from more than once source – i.e. advance funds from your Logix Credit Card and transfer funds from your Logix savings account to cover the item); however, if sufficient credit is not available, even when aggregating the funds available through all sources (i.e., your Logix Credit Card or ReadyLine of Credit and your Logix savings account), to cover the amount of the check, ACH payment, or other item, we will be unable to initiate the advance or transfer, and the check, ACH payment or other item may be returned unpaid. Advances from your savings account to cover overdrafts are limited to a maximum of six (6) per calendar month (including preauthorized electronic funds transfers and transfers initiated via our Telephone Banking or Online Banking services). Refer to the Savings Accounts - “Transaction Limitations” section of this Agreement and Disclosure. If I have been approved for we advance funds from your Logix Credit Card or ReadyLine of Credit or we transfer funds from your Logix savings account to cover an overdraft, then we will assess an Overdraft Protection with my Transfer Fee and charge this fee to your Logix checking account, I can borrow up . Refer to our current Schedule of Service Charges and Fees for information on how this fee is assessed and the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate amount of the Overdraft Protection at any timeTransfer Fee. ITEMS PAID AND ITEMS RETURNED UNPAID. If you do not have sufficient funds available, in the aggregate from all sources (i.e., your Logix Credit Card or ReadyLine of Credit and your Logix savings account), for us to complete an Overdraft Protection transfer of funds to cover the amount of an item presented to us for payment, we may then, at its sole discretionour option, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.either:

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and you write a check, authorize an ACH debit, authorize a point of sale debit card transaction using your PIN or signature, make an ATM withdrawal or take any other action that would result in an Account becoming overdrawn as determined under this section, such check, authorized point of sale transaction, or any other action taken shall be approved deemed to be a request by you to us to provide overdraft protection in your account by transferring available funds from your Regular Share Account or other designated account, or if applicable, to make an advance on your Texas Trust Credit Union Line of Credit Account or credit card with us, in increments that we deem sufficient to pay such check, withdrawal order or item or point of sale transaction or otherwise remedy the overdraft, together with any service charge or fee we may assess. We will use reasonable efforts to transfer funds to your Checking Account from your Regular Share or other Account in the manner you have specified. A fee may be charged for it. Every account does not come with Overdraft Protectionoverdraft protection as set forth in the Fee Schedule. If I have been approved for Overdraft Protection with my account(i) the ledger balance as reduced by the overdraft adjustments in the Account is not sufficient to pay a check or ACH debit or (ii) if the available balance in that Account is not enough to pay a requested debit card transaction, I can borrow up and (iii) overdraft protection is not available, then any such item presented will be returned to the limit set by the Credit Union (the “Limit”). The Credit Union payee due to insufficient funds and a fee will be charged to your Account in such amounts as we may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union establish from time to time. If not paid, the Credit Union More information about your options for obtaining overdraft protection and on how to avoid having transactions declined is provided in our Overdraft Coverage Options disclosure as it may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union be updated from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rateobtain that information by contacting us by email, if differentsecure message center in online banking, is posted visiting your local branch, or calling us at the Credit Union and identified in statements (000) 000-0000 or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval(800) 527- 3600.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply is a service that automatically transfers funds to a qualifying deposit account to cover an overdraft by one or more of the following methods: (i) transfer of funds from a designated credit account; (ii) transfer of funds from a designated money market account; (iii) transfer of funds from a designated sweep investment account or credit line sweep account; (iv) transfer of funds from a designated sweep investment account or credit line sweep account first and be approved for itif funds are not available, from a designated money market account. Every Any credit account does not come with is subject to qualification and the terms and conditions contained in the applicable credit agreement. All fees applicable to your credit account are also contained in the credit agreement. The amount of Overdraft Protection available from a linked BB&T Visa is limited to the amount of the available Cash Advance limit. Your local BB&T financial center can discuss which credit accounts are available to provide Overdraft Protection. If I Overdraft Protection may not be available to cover an overdraft if you have been approved exceeded your credit limit or available money market account balance. You will be charged applicable overdraft fees as disclosed in the Business Services Product and Pricing Guide if your Overdraft Protection is not available. Automatic or other “convenient” transfers made from a designated money market account to a checking account for Overdraft Protection with my accountare included in transactions that are limited to no more than six (6) per monthly statement cycle. The transfer limitations and the other terms and conditions governing the designated money market account are more fully described in this Agreement under the heading “Money Market and Investment Accounts.” If a check/debit or other item (“item”) is presented against your checking account when there is an insufficient balance to cover the amount of the item, I can borrow up funds will be automatically transferred from your designated overdraft protection option to the limit set by checking account in the Credit Union (amount needed to cover the “Limit”)overdraft amount. The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if If there are not enough funds in my account(s) to cover the entire amount of the overdraft item presented for payment, the item may be returned unpaid and a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access fee charged in accordance with your overdraft decision for the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to meReview process. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may Each automatic transfer from any of my certain credit accounts including any joint or from a designated money market account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification Automatic Overdraft Protection Transfer Fee and approvalthe Excessive Activity Fee, if applicable, as described in the Business Services Product and Pricing Guide. The Transfer Fee will be assessed directly against the checking account receiving the funds from the automatic transfer and any Excessive Activity Fee will be assessed against the money market account. The Bank reserves the right to return any overdraft that cannot be covered by an automatic transfer from your credit account, sweep account, or designated money market account. Any overdraft that cannot be covered by your designated overdraft protection option will be subject to the Bank’s current overdraft fees in accordance with your overdraft decision for the Overdraft Review process.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized written or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated paymentProtection. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval. 5.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer a service that automatically transfers funds to a qualifying deposit Account to cover an overdraft by one or more of the following methods: (i) transfer of funds from a designated Overdraft Line of Credit Account; (ii) transfer of funds from a designated checking, money market or statement savings Account; (iii) transfer of funds from a designated Overdraft Line of Credit Account first and if funds are not available, from a designated checking, money market or statement savings Account; or (iv) transfer of funds from a designated checking, money market or statement savings Account first and if funds are not available, from a designated Overdraft Line of Credit Account. When both a designated deposit Account and a designated Overdraft Line of Credit Account are linked, the balance in either Account must be sufficient to cover the overdraft in full before a transfer can be made. The balances in the different Accounts will not be combined to cover the overdraft. Overdraft Line of Credit Accounts are subject to qualification and the terms and conditions contained in the applicable credit agreement, please refer to the Overdraft Line of Credit Agreement for more information. All fees applicable to your Overdraft Line of Credit Account are also contained in the agreement. Overdraft Protection may not be available to mecover an overdraft if you have exceeded your credit limit or available checking, money market or statement savings Account balance. I can use the If your Overdraft Protection is not available, you will be charged the applicable Paid Item or Return Item fees for Insufficient/Unavailable Funds as disclosed in the Service Fees section of the Accounts Disclosure. You will be charged a Returned Item Fee each time we return unpaid for a non-sufficient available balance an item that is presented for payment, even if that item has previously been presented and returned for a non-sufficient available balance and you were previously charged a Returned Item Fee for that return. Further, you will be charged a Paid Item Fee if we honor or pay the item or transaction when you have a non-sufficient available balance even if you were previously charged Returned Item Fees when the item or transaction was previously returned, rejected, or declined. We have no obligation to notify you if we honor, pay, return or decline an item or transaction for a non-sufficient available balance. If a check/debit or other item (“item”) is presented against your checking Account when there is an insufficient balance to cover the item, funds will be automatically transferred from your designated Overdraft Protection option to the checking Account, in the amount needed to cover the overdraft amount. If there are not enough funds in my account(s) to cover a cheque the entire amount of the overdraft or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques has been terminated, blocked or by any other debit modified, your items may be returned unpaid and a Returned Item fee charged in accordance with your overdraft decision for the overdraft process. You will be charged a Returned Item Fee each time we return unpaid for a non-sufficient available balance an item that is presented for payment, even if that item has previously been presented and returned for a non-sufficient available balance and you were previously charged a Returned Item Fee for that return. Further, you will be charged a Paid Item Fee if we honor or pay the item or transaction I initiate all of which shall be considered when you have a non-sufficient available balance even if you were previously charged Returned Item Fees when the item or transaction was previously returned, rejected, or declined. We have no obligation to notify you if we honor, pay, return or decline an advance item or loan to metransaction for a non-sufficient available balance. All deposits Each transfer from a checking, statement savings or credits to my account or a linked deposit account to which the money market Account designated as Overdraft Protection is attached will constitute may be subject to the Sweep Transaction Fee as described in the Service Fees section of the Accounts Disclosure. The Bank reserves the right to return any overdraft that cannot be covered by a payment on the Sweep Transaction (Overdraft Protection and transfer) from your credit line or designated checking, money market, or statement savings Account. Each overdraft item that cannot be covered by your designated Sweep Transaction (Overdraft Protection transfer) option will be subject to the Bank’s current Paid Item or Returned Item fee for Insufficient/Unavailable Funds in accordance with your overdraft decision for the purposes overdraft process. Order of The Personal Property Security Act shall constitute a debtor initiated payment. I will Posting: We generally process and pay presented checks that you write from your Account in the Credit Union interest on all amounts advanced up to the Limit from order in which they are received by using the date and time of when the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to timetransaction was authorized. If multiple transactions have the same date and time, then they are posted in low to high dollar amount order. We may establish different processing orders for other transactions; therefore, transactions may not paidbe processed in the order in which they occurred and the order in which transactions are received and processed may result in more insufficient fund items and more Paid Item and/or Returned Item fees than other processing orders. Setoff and Security Interest Setoff – If you have any debts due to us or amounts you owe us, then we reserve the Credit Union may advance on the Overdraft Protection right of setoff, or to use funds in your deposit Account to pay such interestany debts or amounts you owe us, even if withdrawal results in an interest penalty or dishonor of subsequent checks. I agree For joint Accounts, we may exercise our right against the entire balance to pay the amount owing on individual debts of any one owner of the Overdraft Protection including interest Upon Demand by Account. You and your joint Account owners agree that the Credit UnionBank may use the funds in your individual or joint Accounts to satisfy obligations of the joint Account. If I default on paymentyou are a sole proprietor, I agree to pay the charges applicable to Overdraft Protectionwe may charge any of your personal or business Accounts. If I overdraw your business is a partnership, we may also charge the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request personal Accounts of any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthlygeneral partner. Any Overdraft Protection garnishment or other levy against your Account(s) is subject to the Bank’s right of setoff and any security interest the Bank may have. To the extent not prohibited by law, the Bank may exercise its right of setoff against any deposit regardless of its source, including deposit of social security, disability or other government benefits normally protected from creditor claims, and you expressly acknowledge and agree that such setoff is permissible and to waive your rights to such protection. This provision does not apply to IRA or tax-qualified retirement Accounts, to consumer credit card obligations, or where otherwise prohibited by law. Security Interest – You grant us a security interest in your Account for amounts owing to us under this Agreement by any owner. This provision does not apply to IRA or tax-qualified retirement Accounts, or where otherwise prohibited by law. Inactive Accounts: Your checking and money market Accounts will be considered inactive if you have not made a physical deposit or withdrawal to or from the Account for one (1) year. Your savings Accounts will be considered inactive if you have not made a physical deposit or withdrawal to or from the Account for three (3) years. Automatic deposits and withdrawals are not considered to be a transaction performed by you. You may reinstate the status of your Account to active by making a deposit or withdrawal to the Account or by communicating in writing with us regarding your Account. All Accounts are subject to service charges described in the list of Service Fees whether or not the Account is active. Unclaimed Property: Most states have established rules and regulations regarding unclaimed property or escheatment (“Unclaimed Property”) for residents of those states. Your home state (“Home State”) for purposes of the Unclaimed Property rules is the state of your physical address on your Account. For example, if your address is 0000 Xxxx Xxxxxx xx Xxxxxxxx, New York, your home state is New York. If we have not received communication from you, or, if there has not been any activity in your Account for the period of time established by the laws of your Home State, we are required by law to distribute the Account balance to the designated official in your Home State. This process is referred to as “escheatment”. Your Account is considered to have activity if you make at least one deposit or withdrawal annually, or, you contact us. For purposes of the Unclaimed Property laws, Account activity must be active, i.e. you must perform a deposit or withdrawal; automatic deposits or withdrawals are not considered activity under the Unclaimed Property laws. Please refer to the unclaimed property laws of your state for more information. If your Account is approaching the designated time frame to be escheated, we will mail you a notice at the address we have on file for you as required by law. We may make other efforts to provide notice to you, consistent with the laws of your Home State. If your Account funds are escheated, we may impose a fee as described in the Service Fees section of our Accounts Disclosures. Once the funds are escheated to the state, we are not liable to you for the funds and any questions regarding the funds should be directed to the applicable lending policy on qualification and approvalstate Unclaimed Property office.

OVERDRAFT PROTECTION. If I wish This Overdraft Service can be used to pay your overdraft items if paying them would not cause your available balance to go more than $800.00 into the negative and may be automatically granted to checking account holders 60 days after their account is opened. Payment of your overdraft items, however, is at our discretion and we reserve the right not to pay. Overdraft Protection I understand I can be used to cover your checks, individually authorized and recurring ACH transactions, POP money transfers and BillPay payments. Overdraft Protection can also be used to cover your ATM and non-recurring Debit Card transactions if you opt into Card Overdraft (to obtain Card Overdraft, you must apply and be approved for itcomplete our Card Overdraft Protection [Reg-E] Opt-In Consent Form). Every account does not come with Overdraft Protection. If I have been approved Eligibility for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate sole discretion of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified is based on you managing your checking account in statements or publications made available a responsible manner. Savings accounts, Money Market accounts, Public/Municipal accounts, Organization accounts, Association accounts, some Trust accounts and accounts of minors (not of legal age) are immediately ineligible for this service. We may, in our sole opinion and discretion, limit the number of your accounts eligible for Overdraft Protection to meone account per household and/or one account per taxpayer identification number. Interest accrues daily and is payable monthly. Any Overdraft Protection is discretionary and may be suspended or permanently removed at our discretion at any time without prior notice of reason or cause; our reasons may include but are not limited to: • You do not bring your account to a positive balance within 30 days of becoming overdrawn; • Your account is not eligible for any reason we deem necessary including, but not limited to, the type of account you have or your account activity; • You are past due on any Credit Union loan or delinquent on any other obligation to the Credit Union; • You are subject to any legal or administrative orders or levies, or you are currently a party in a bankruptcy proceeding; • Your account is classified as inactive; • Your mailing and/or physical address on file with the applicable lending policy on qualification Credit Union is no longer valid; • You have an unresolved prior loss with the Credit Union; or • We believe you are managing your account in an irresponsible manner which may harm you or us, including causing NSF items. No application is required for this service. Use or allowance of Overdraft Protection does not constitute an actual or implied agreement between you and approvalus, nor does it constitute an actual or implied obligation of or by us. Each item covered is assessed a fee. You may opt out at any time.

OVERDRAFT PROTECTION. If I wish Account overdrafts will be handled in accordance with these Overdraft Protection I understand I must apply procedures and be approved for it. Every account does not come with any overdraft protection feature of a Logix Credit Card or ReadyLine of Credit that provides Overdraft Protection. If I you have been approved for an account overdraft, then we will look first to your Logix Credit Card (Overdraft Protection transfers from your Logix Credit Card are Cash Advances) or ReadyLine of Credit for available credit to advance funds to cover the overdraft. If you do not have a Logix Credit Card or ReadyLine of Credit or other line of credit with my us, or if sufficient credit is not available on your Logix Credit Card or ReadyLine of Credit, then we will look to your Logix savings account for available funds to cover overdrafts. If you do not have sufficient funds in your savings account, I can borrow up then we may, subject to the limit set conditions described below, pay the overdraft item on your behalf. This is known as the Logix Courtesy Pay Program. You may establish a sequence different from that described above for the transfer of available funds to cover overdrafts by contacting us at 800-328-5328. We may but shall not be required to pay overdrafts by any of these means. All Overdraft Protection advances from a Logix Credit Card or ReadyLine of Credit, and funds transfers from a Logix savings account, will be made in $100 increments. Should your Logix Credit Card, ReadyLine of Credit or savings account not contain the required $100 increment we will advance any available credit or transfer any available savings account funds (we may also advance/transfer funds from more than one source – i.e. advance funds from your Logix Credit Union Card and transfer funds from your Logix savings account to cover the item); however, if sufficient credit is not available, even when aggregating the funds available through all sources (i.e., your Logix Credit Card or ReadyLine of Credit and your Logix savings account), to cover the “Limit”amount of the check, ACH payment, or other item, we will be unable to initiate the advance or transfer, and the check, ACH payment or other item may be returned unpaid. Overdraft Protection advances and transfers from your credit and savings accounts are made only from the credit and savings accounts maintained on the same membership account number in which the related checking account overdraft occurs, and are initiated in the following hierarchical sequence order (if you do not have one of the listed accounts we will look to the next stated account in sequence): (a) your oldest/earliest established Logix Credit Card; (b) your ReadyLine of Credit; (c) your main savings and other savings account(s); and, (d) your newest/latest established Logix Credit Card. The Credit Union Advances and transfers may occur from multiple credit and savings accounts in order to cover the checking account overdraft. You can change the Limit hierarchical sequence order of your Overdraft Protection advances and funds transfers by calling us at 0- 000-000-0000. If we advance funds from your Logix Credit Card or terminate ReadyLine of Credit or we transfer funds from your Logix savings account to cover an overdraft, then we will assess an Overdraft Protection Transfer Fee and charge this fee to your Logix checking account. Note that no Overdraft Protection Transfer Fee will apply to overdrafts arising from a transaction that was authorized with a sufficient available balance, even if the available balance is insufficient at the time of the transaction posting. Refer to our current Schedule of Service Charges and Fees for information on how this fee is assessed and the amount of the Overdraft Protection at any timeTransfer Fee. ITEMS PAID AND ITEMS RETURNED UNPAID. If you do not have sufficient funds available, in the aggregate from all sources (i.e., your Logix Credit Card or ReadyLine of Credit and your Logix savings account), for us to complete an Overdraft Protection transfer of funds to cover the amount of an item presented to us for payment, we may then, at its sole discretionour option, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.either:

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with “Overdraft Protection” allows us to transfer funds from your Account and prevent overdrafts on a registered PNC Bank, National Association checking account. If I you enroll, or have been approved for enrolled, in Overdraft Protection with my accountProtection, I can borrow the following terms apply to your Account. When you enroll in Overdraft Protection, it will take up to the limit set by the Credit Union twelve (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s12) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and days for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interestbe activated. I agree You authorize us to pay the amount owing on the make Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved advances (“Overdraft Protection Limit or if there is no Advances”) from your Account as provided in this Agreement and any separate Overdraft Protection on my terms and conditions that were provided to you that apply to your checking account I promise to pay upon your request any amounts if a checking account that overdraw my account(s)(“an overdraft”) which you registered when enrolling in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthlybecomes overdrawn. Any Overdraft Protection Advance will be processed and will post as a cash advance to your Account. You will be charged a cash advance fee for each Overdraft Protection Advance. In addition to any cash advance fee and finance charges that are assessed to your Account for an Overdraft Protection Advance, separate fees may be assessed to your designated checking account(s) for accessing Overdraft Protection (see the fee schedule for your checking account(s) for specific fee information). We may cancel Overdraft Protection privileges under the Account even if the Account remains open for other transactions. Overdraft Protection privileges will be automatically cancelled if the Account is subject closed by either you or us at any time. Overdraft Protection may be suspended if your Account is in default as defined in this Agreement. If your right to use the Account has been cancelled or suspended, or if you are in default under the terms of this Agreement, and we refuse to make an Overdraft Protection Advance, we may, in our sole discretion, (i) not pay any checks, items or entries that would cause an overdraft with respect to the applicable lending policy on qualification checking account or (ii) pay any checks, items or entries and approvalpermit an overdraft with respect to the applicable checking account. In either case, certain checking account fees may apply (see the fee schedule for your checking account(s) for specific fee information). An Overdraft Protection Advance will be made only once per day for each designated checking account. Overdraft Protection Advances to your checking account from the Account are processed after the close of business Monday through Friday. Overdraft Protection Advances will be made for a minimum amount as detailed in the Overdraft Protection terms and conditions that were provided to you that apply to your checking account; amounts over the minimum amount will be rounded up to the next whole dollar.

OVERDRAFT PROTECTION. To the extent authorized by law, you hereby authorize us to transfer funds from other accounts you maintain at this credit union, in increments as the credit union may determine, to any account upon which you issue a share draft when there are not sufficient funds in the account upon which that draft is issued. If I wish you have a line of credit with this credit union, transfers will be made either from your credit line up to the available credit limit or from your Regular Share Account, if there are sufficient funds in the Regular Share Account. You may elect your preference as to which accounts funds may be transferred from for this purpose. Any overdraft transfers resulting from this procedure may result in a fee being assessed to your regular share account. You agree to hold the credit union harmless for any and all liability that may otherwise exist if a transfer does not occur. Overdraft Protection I understand I must apply Privilege Pay Information & Overdrafts. Overdraft Privilege Pay is a service of First Flight Federal Credit Union that allows us to pay an item presented against your checking account even if it causes the account to become overdrawn. Overdraft privilege is not a line of credit. However, if members inadvertently overdraw their accounts, First Flight Federal will have the discretion to pay the overdraft, subject to the limit of member’s overdraft privilege and be approved the amount of the overdraft fee. First Flight Federal Credit Union is not obligated to pay any item presented for it. Every payment if member’s account does not come with contain sufficient available funds. Any discretionary payment by First Flight Federal Credit Union of an overdraft share draft (excluding ATM and VISA Check Card withdrawals/overdrafts and non-third party checks presented at a teller window) does not obligate First Flight Federal Credit Union to pay any other overdraft share draft (or item), or to provide prior notice of its decision to refuse to pay such share draft (or item). Only the Member-Owner of the account is eligible for the Overdraft ProtectionPrivilege Pay Program. Our Overdraft Privilege Pay program offers overdraft protection to you for qualifying share draft consumer (checking) and electronic accounts. If I have been approved an item or order is presented for Overdraft Protection with my account, I can borrow up payment from an account that has insufficient funds to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paidthat item, the Credit Union may advance on will first determine if you have made other arrangements for overdraft protection either by advancing the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my funds from another account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union or from an overdraft protection loan advance. If there are no such other arrangements for an overdraft to be paid, then the Credit Union will determine if this particular share draft account is eligible for the overdraft to be paid with our Overdraft Privilege Pay Program. Amount/Transaction Restrictions for Privilege Pay Program First Flight Federal Credit Union will have the discretion to pay up to $500.00 - $750.00 on share draft accounts with the exception of Fresh Start Checking based on account criteria, and identified the credit union will not pay any amount exceeding the $500.00 - $750.00 which would result in statements or publications made available your primary share draft account being overdrawn in an amount exceeding that limit. First Flight Federal Credit Union will have the discretion to me. Interest accrues daily pay up to $225.00 on Fresh Start Checking based on account criteria, and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalcredit union will not pay any amount exceeding the $225.00 which would result in your primary share draft account being overdrawn in an amount exceeding that limit.

OVERDRAFT PROTECTION. If I wish ATB Financial may provide you with overdraft protection for the Account to a maximum amount approved by ATB Financial (“Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any timeATB Financial may, at in its sole discretion, on and without prior notice to me. Once terminatedyou, Overdraft Protection is no longer available to me. I can use reduce or increase the Overdraft Protection Limit. At any time and without prior notice, ATB Financial may reduce or terminate overdraft protection and refuse to honour any cheques or items that would overdraw or further overdraw the Account even if there are not enough funds in my account(s) ATB Financial has previously permitted you to cover a overdraw the Account. Should ATB Financial honour any cheque or other debit item I have authorized or a withdrawal I have made up to that would overdraw your Account beyond the approved Overdraft Limit. I , the balance may access not remain in excess of the Overdraft Protection by writing cheques or by Limit for more than thirty (30) calendar days. Overdraft interest, at a rate specified on the Rate and Fee Schedule, will be calculated (but not compounded) daily. ATB Financial may change the overdraft interest rate without prior notice to you. ATB Financial’s determination of the overdraft interest rate at any other debit transaction I initiate all of which shall time will be considered an advance or loan to meabsolutely binding on you. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached interest, upon becoming overdue, will constitute a payment on the Overdraft Protection be treated as principal and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union bear compound interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate overdraft interest rate. You agree to repay to ATB Financial the overdraft within s i x t y ( 60) calendar days of overdrawing the Account. Provided the overdraft, together with any interest charged by and fees, has been repaid within the 60-calendar day period, you from time to time for Overdraft Protection and may again overdraw the Account. ATB Financial may demand payment at any Overdraft Protection charges established by the Credit Union from time to time. If not paidUpon demand, the Credit Union may advance on the Overdraft Protection to pay such interest. I you agree to pay the full amount overdrawn, together with interest owing on and any applicable fees. You will notify ATB Financial immediately of any adverse change in your financial circum- stances. Upon request, you agree to provide ATB Financial with security to secure the Overdraft Protection including interest Upon Demand overdraft and as collateral for overdraft repayment. You acknowledge that the terms and conditions of the security agreement will impose additional obligations upon you and you agree to abide by the Credit Unionterms and conditions set out in the security agreement. If I default on paymentAt your written notice, I agree ATB Financial will terminate all overdraft protection as soon as reasonably practical to do so. Termination will not relieve you of your obligation to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit full amount overdrawn, together with interest on such overdraft at the interest rate charged by you from time to time owing and any overdraft charges established by the Credit Union from time applicable fees to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalATB Financial.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved you choose to use your Account for Overdraft Protection with my accountcoverage, I can borrow up you agree that Cash Advances will be automatically made from your credit card Account to the limit set by the Credit Union your designated Synovus Bank Deposit Account (the “LimitDeposit Account”) on occasions when the amount of the Deposit Account debits authorized by authorized party(ies) are in excess of the balance available in the Deposit Account. These debits may be checks or drafts written by authorized party(ies), automatic withdrawals by authorized party(ies), check card transactions made by authorized party(ies); or any other debits authorized or originated by authorized party(ies). Each such cash advance (an “Overdraft Advance”) must be repaid as a part of your total indebtedness under this Agreement with all applicable Finance Charges. The Credit Union Limit applicable to your credit card Account from time to time pursuant to this Agreement will not be increased or expanded because of Overdraft Advances. By participating in the Overdraft Protection coverage, you acknowledge and agree to the following: (i) the privileges attached to this Overdraft Protection coverage are contingent upon you maintaining and properly handling both the Deposit Account and the credit card Account; (ii) the Overdraft Protection will immediately terminate upon the closing of either the credit card Account or the Deposit Account for any reason; (iii) we may change review the Limit Account involved in this Agreement and, upon a finding of any misuse, fraudulent behavior, or violation of the terms of this Agreement, we may withdraw any Overdraft Protection coverage or suspend your use of the Card or other credit extended under your Account; (iv) it is possible that an Overdraft Advance may result in creating a credit card Account balance in excess of your approved Credit Limit, or exceeding the available credit under any lower limit you may assign to your credit card Account (which also applies to Overdraft Advances), which may cause Purchase or Cash Advance transactions with your Card to be declined. However, we are not obligated to make such Overdraft Advances that would exceed your Credit Limit; and (v) we reserve the right to process, under normal return procedures, any check or debit items which would create an excess balance or any other situation in violation of this or any other agreement between us and you. You acknowledge that you can choose to terminate the Overdraft Protection coverage on your credit card at any time, time by calling us at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment number on the Overdraft Protection back of your Card and following the procedures for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date cancellation of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalcoverage.

OVERDRAFT PROTECTION. If I wish This Overdraft Service can be used to pay your overdraft items if paying them would not cause your available balance to go more than $1,500.00 into the negative and may be automatically granted to checking account holders 60 days after their account is opened. Payment of your overdraft items, however, is at our discretion and we reserve the right not to pay. Overdraft Protection I understand I must apply can be used to cover your checks, individually authorized and be approved for itrecurring ACH transactions, POP money transfers and BillPay payments. Every account does not come with Overdraft Protection. If I have been approved Eligibility for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate sole discretion of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified is based on you managing your checking account in statements or publications made available a responsible manner. Savings accounts, Money Market accounts, Public/Municipal accounts, Organization accounts, Association accounts, some Trust accounts and accounts of minors (not of legal age) are immediately ineligible for this service. We may, in our sole opinion and discretion, limit the number of your accounts eligible for Overdraft Protection to meone account per household and/or one account per taxpayer identification number. Interest accrues daily and is payable monthly. Any Overdraft Protection is discretionary and may be suspended or permanently removed at our discretion at any time without prior notice of reason or cause; our reasons may include but are not limited to: • You do not bring your account to a positive balance within 30 days of becoming overdrawn; • Your account is not eligible for any reason we deem necessary including, but not limited to, the type of account you have or your account activity; • You are past due on any Credit Union loan or delinquent on any other obligation to the Credit Union; • You are subject to any legal or administrative orders or levies, or you are currently a party in a bankruptcy proceeding; • Your account is classified as inactive; • Your mailing and/or physical address on file with the applicable lending policy on qualification Credit Union is no longer valid; • You have an unresolved prior loss with the Credit Union; or • We believe you are managing your account in an irresponsible manner which may harm you or us, including causing NSF items. No application is required for this service. Use or allowance of Overdraft Protection does not constitute an actual or implied agreement between you and approvalus, nor does it constitute an actual or implied obligation of or by us. Each item covered is assessed a fee. You may opt out at any time.

OVERDRAFT PROTECTION. Overdrafts will be handled in accordance with these overdraft protection procedures and any overdraft protection feature of a Logix credit card or line of credit agreement you have with us. If I wish you have an overdraft, then we will look first to your Logix Credit Card or ReadyLine of Credit for available credit to advance funds to cover the overdraft. If you do not have a Logix Credit Card or ReadyLine of Credit, or sufficient credit is not available on your Logix Credit Card or ReadyLine of Credit, then we will look to your Logix savings account for available funds to cover overdrafts. If you do not have sufficient funds in your savings account, then we may, subject to the conditions described below, pay the overdraft item on your behalf. This is known as the Logix Courtesy Pay program. You may establish a sequence different from that described above for the transfer of available funds to cover overdrafts by contacting us at 000-000-0000. We may but shall not be required to pay overdrafts by any of these means. All Overdraft Protection I understand I must apply advances from a Logix Credit Card or ReadyLine of Credit, and funds transfers from a Logix savings account, will be approved for itmade in $100 increments. Every Should your Logix Credit Card, ReadyLine of Credit or savings account does not come with Overdraft Protectioncontain the required $100 increment we will advance any available credit or transfer any available savings account funds (we may also advance/transfer funds from more than once source – i.e. advance funds from your Logix Credit Card and transfer funds from your Logix savings account to cover the item); however, if sufficient credit is not available on your Logix Credit Card or ReadyLine of Credit, or sufficient funds are not available in your Logix savings account to cover the amount of the check, ACH payment, or other item, we will be unable to initiate the advance or transfer, and the check, ACH payment or other item may be returned unpaid. Advances from your savings account to cover overdrafts are limited to a maximum of six (6) per calendar month (including preauthorized electronic funds transfers and transfers initiated via our Telephone Banking or Online Banking services). Refer to the Savings Accounts - “Transaction Limitations” section of this Agreement and Disclosure. If I have been approved for we advance funds from your Logix Credit Card or ReadyLine of Credit or we transfer funds from your Logix savings account to cover an overdraft, then we will assess an Overdraft Protection with my Transfer Fee and charge this fee to your Logix checking account, I can borrow up . Refer to our current Fee Schedule for Business Accounts for information on how this fee is assessed and the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate amount of the Overdraft Protection at any timeTransfer Fee. ITEMS PAID AND RETURNED UNPAID. If you do not have sufficient available credit or sufficient funds available in your savings account to cover an overdraft, we may then, at its sole discretionour option, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.either:

OVERDRAFT PROTECTION. If I wish ATB Financial may provide you with overdraft protection for the Account to a maximum amount approved by ATB Financial (“Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any timeATB Financial may, at in its sole discretion, on and without prior notice to me. Once terminatedyou, Overdraft Protection is no longer available to me. I can use reduce or increase the Overdraft Protection Limit. At any time and without prior notice, ATB Financial may reduce or terminate overdraft protection and refuse to honour any cheques or items that would overdraw or further overdraw the Account even if there are not enough funds in my account(s) ATB Financial has previously permitted you to cover a overdraw the Account. Should ATB Financial honour any cheque or other debit item I have authorized or a withdrawal I have made up to that would overdraw your Account beyond the approved Overdraft Limit. I , the balance may access not remain in excess of the Overdraft Protection by writing cheques or by Limit for more than 30 days. Overdraft interest, at a rate specified on the Rate and Fee Schedule, will be calculated (but not compounded) daily. ATB Financial may change the overdraft interest rate without prior notice to you. ATB Financial’s determination of the overdraft interest rate at any other debit transaction I initiate all of which shall time will be considered an advance or loan to meabsolutely binding on you. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached interest, upon becoming overdue, will constitute a payment on the Overdraft Protection be treated as principal and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union bear compound interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate overdraft interest rate. You agree to repay to ATB Financial the overdraft within 60 days of overdrawing the Account. Provided the overdraft, together with any interest charged by and fees, has been repaid within the 60-day period, you from time to time for Overdraft Protection and may again overdraw the Account. ATB Financial may demand payment at any Overdraft Protection charges established by the Credit Union from time to time. If not paidUpon demand, the Credit Union may advance on the Overdraft Protection to pay such interest. I you agree to pay the full amount overdrawn, together with interest owing on and any applicable fees. You will notify ATB Financial immediately of any adverse change in your financial circum- stances. Upon request, you agree to provide ATB Financial with security to secure the Overdraft Protection including interest Upon Demand overdraft and as collateral for overdraft repayment. You acknowledge that the terms and conditions of the security agreement will impose additional obligations upon you and you agree to abide by the Credit Unionterms and conditions set out in the security agreement. If I default on paymentAt your written notice, I agree ATB Financial will terminate all overdraft protection as soon as reasonably practical to do so. Termination will not relieve you of your obligation to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit full amount overdrawn, together with interest on such overdraft at the interest rate charged by you from time to time owing and any overdraft charges established by the Credit Union from time applicable fees to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalATB Financial.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply is a service that automatically transfers funds to a qualifying deposit account to cover an overdraft by one or more of the following funding sources: Business Money Rate Savings, Business Investor’s Deposit Account, Business High Performance Money Market, BB&T Business Visa® Credit Card, and/or Business Advantage Credit Line. Any credit account is subject to qualification and be approved for itthe terms and conditions contained in the applicable credit agreement. Every All fees applicable to your credit account does not come with are also contained in the credit agreement. The amount of Overdraft Protection available from a linked BB&T Visa is limited to the amount of the available Cash Advance limit. Your local BB&T financial center can discuss which credit accounts are available to provide Overdraft Protection. If I have been approved for Overdraft Protection with my may not be available to cover an overdraft if you have exceeded your credit limit or have an insufficient balance in your savings or money market account. You will be charged applicable overdraft fees as disclosed in the Business Services Product and Pricing Guide if your Overdraft Protection is not available. If a check, I can borrow up debit or other item (“item”) is presented against your qualifying checking account when there is an insufficient balance to cover the limit set by amount of the Credit Union item; funds will be automatically transferred from a designated bank, credit or investment account (“Overdraft Account”) in the exact amount needed to cover the overdraft (“LimitOverdraft Protection Transfer”). The Credit Union may change the Limit If there are insufficient funds or terminate credit in the Overdraft Protection at any timeAccount to cover the entire amount of the overdraft, at its sole discretion, on notice to methe item may be returned unpaid and a fee charged in accordance with your overdraft decision for the Overdraft Review process. Once terminated, An Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection Transfer is subject to the applicable lending policy on qualification Overdraft Transfer Fee as described in the Business Services Product and approvalPricing Guide. In general, the Overdraft Transfer Fee will be charged to your qualifying checking account. If you have designated a BB&T commercial credit card as your Overdraft Account, the Overdraft Transfer Fee will be charged to the BB&T Commercial Card account as described in the Business Services Product and Pricing Guide, and the BB&T Commercial Card Plan Agreement. Automatic or other “convenient” transfers made from a designated savings or money market account to a checking account for Overdraft Protection are included in transactions that are subject to fees. Please see your Business Services Product and Pricing Guide for details.

OVERDRAFT PROTECTION. If I wish you have requested and we have approved Overdraft Protection I understand I must from the account for a Checking Account maintained with CEFCU (“Checking Account”), and provided your account is in good standing, you may draw on the account by making an overdraft transfer from the account to the Checking Account in accordance with the CEFCU Business Deposit Account Agreement. In addition, your account will be charged an Overdraft Transfer Fee for each transfer as set forth in this agreement. All funds will be transferred in increments of $100 and the full amount of the transfer will be treated as a Cash Advance and will be subject to the terms of this agreement that apply to Cash Advances. You acknowledge and agree that we may refuse an overdraft transfer from the account if the full amount of the transfer and the Overdraft Transfer Fee would exceed the credit limit of the account. You further acknowledge and agree that anyone who is authorized to make withdrawals from the checking account may access your account through Overdraft Protection and that person will be approved an authorized person. Mail, Telephone, Internet or Other Card-Not-Present Purchases If a cardholder incurs an obligation on the cardholder’s account without presentation of the Card (such as for itmail or internet orders, telephone or mobile Purchases), your obligation to us will be the same as if the Card was used. Every Authorized Persons(s) If you designate an individual as being authorized to open the account does not come and/or the cardholder account(s), that person will be an authorized person. An authorized person may request that we open individual cardholder accounts under the account and request issuance of a Card to each cardholder. You will remain responsible for the use of the account and each Card issued on the account according to the terms of this agreement. This includes your responsibility for paying all obligations reflecting Purchases and Cash Advances charged to the account and/or the cardholder account by a cardholder. Issuance of Cards; Cardholder Accounts You or an authorized person may request that we issue a Card to one or more cardholders. A cardholder’s account and Card may only be used by the cardholder in whose name it has been opened or issued. We will establish a separate account for each Card that contains your name and the name of the cardholder. Card Cancelation/Revocation or Suspension of Use You or an authorized person may cancel a cardholder’s account and Card for any reason by providing us with Overdraft Protectionwritten notice of cancelation of that account and Card. You will be liable to us for all obligations, howsoever and by whomsoever incurred, resulting from the use of the cardholder’s account or Card from the time you or the authorized person provides written notice of cancelation to us of the cardholder’s Card until the cardholder’s Card is surrendered to us or the time you have given us written notice that the Card has been destroyed. If I have been approved the obligations outstanding in a cardholder’s account exceeds the cardholder’s credit limit or exceeds the aggregate credit limit for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection all cardholder accounts at any time, at its sole discretion, on notice we may suspend the cardholder’s right to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up cardholder’s account and Card and all services we provide to the Limitcardholder under this agreement until such time as that excess is paid to us in full. I We may access revoke or suspend a cardholder’s right to use the Overdraft Protection by writing cheques cardholder’s account and Card at any time without notice. The cardholder must also surrender the Card to you or by any other debit transaction I initiate to us at your (or our) request. Credit Limits And Not Exceeding The Credit Limits We will set an aggregate credit limit for all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection cardholder accounts established under this agreement and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you we may change it from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to timewithout notice. If you consistently make late payments or no payments, we may reduce the aggregate credit limit for all cardholder accounts. We will tell you what the initial aggregate credit limit is at or before the time the account is opened. You agree not paidto incur any obligations in excess of the aggregate credit limit authorized by us for the account and for all cardholder accounts established under this agreement. However, we may (but are not required to, even if we have done so before) permit the Credit Union may advance on obligation to exceed the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union aggregate credit limit we set from time to time. You may ask for an aggregate credit limit increase by calling toll-free: 0.000.000.0000, ext. 37065 or 309.633.7065. You may request a separate credit limit for each cardholder account and Card issued under this agreement. We will set the credit limit for each Card and cardholder’s account in an amount not to exceed the credit limit requested by you and we may change the credit limit for a cardholder’s account periodically. The credit limit will be indicated in a separate disclosure document and/or on the cardmailer accompanying the cardholder’s Card and/or on the monthly statement. You will ensure that each cardholder observes their credit limit. You agree that no cardholder will incur any obligations in excess of the credit limit of the cardholder’s account authorized for the cardholder by us. However, we may (but are not required to, even if we have done so before) permit the obligation to exceed that credit limit we set from time to time. If the cardholder exceeds the credit limit on the cardholder’s account, you may be charged an Overlimit Fee. If the cardholder exceeds the credit limit, we may: (a) require the immediate payment of the amount in excess of the credit limit; (b) charge the account without waiving our right to demand immediate payment of the amount in excess of the credit limit; (c) refuse to permit any Purchases or Cash Advances in excess of the credit limit; and (d) reverse any Purchases or Cash Advances in excess of the credit limit as a result of the fault of the merchant or person selling the goods or services. You may ask for a credit limit increase on a cardholder’s account by calling toll free: 0.000.000.0000, ext. 37065 or 309.633.7065. This agreement applies to any balance over the credit limits. Subject to applicable law and at our discretion, we may increase, reduce or cancel the credit limits or allow you and/or the cardholders to exceed the credit limits without giving notice to you or the cardholders. However, if you have asked us not to do so, we will not increase the credit limits. A change in the credit limits will not affect your obligation to pay us. We reserve the right to refuse to honor any use of the Card or Convenience Checks which would result in exceeding the credit limits. Payments do not automatically adjust the available credit limits. This generally occurs within one to three business days following receipt of your or the cardholder’s payment, depending on how payment is made. Transactions In Foreign Currency If a cardholder uses the Card for transactions in a currency other than U.S. Dollars, the transactions will be converted by Mastercard® to U.S. Dollars, using either (1) a rate selected by Mastercard from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Mastercard itself receives or (2) the government-mandated rate in effect for the applicable central processing date. The currency conversion rate for the applicable central processing date may differ from the rate in effect at the time of the transaction or on the date the transaction is posted to your account. If a credit is subsequently given for a transaction and has a different central processing date, then the exchange rate of the credit may be greater or less than that of the original transaction. You agree to accept the converted amount in U.S. Dollars. In addition, if you use your Card and PIN to obtain a Cash Advance at an ATM that involves a multi-national or worldwide automated teller machine network switch and involves a currency other than U.S. Dollars, the transaction will be converted to U.S. Dollars, generally using either (1) a government-mandated rate, or (2) a wholesale market rate in effect the day before the transaction processing date. The currency conversion rate used on the processing date may differ from the rate in effect at the time of the transaction or on the date the transaction is posted to your account. Refusal To Authorize Transactions We may, but are not required to, decline a transaction on the account and/or cardholder’s account because of operational considerations, because the account and/or a cardholder’s account is in default under this agreement, to protect against potential fraudulent or unlawful activity, circumstances that suggest fraud, authorization facilities are not functioning or in our discretion, for any other reason.‌ Should a transaction on the account and/or cardholder’s account be declined either by us or a third party, even if you have sufficient credit available, we will not be responsible for any losses that may result. For online transactions, if fraud is suspected, you or a cardholder might be asked to call the phone number on the back of the Card to confirm the transaction. Loss, Theft Or Unauthorized Use If you are an organization with ten (10) or more employees and we have issued ten (10) or more Cards on the account for use by cardholders, you agree that: (i) all transactions conducted by one of your owners, by the cardholder or a person authorized by the cardholder or any person with an interest in or authority to transact business on the account will conclusively be deemed to be an authorized transaction; and, (ii) you will be liable for any unauthorized use of a Card or the account before you give written notification to us if we reasonably determine, based on substantial evidence, that the cardholder was grossly negligent in the handling of the account or Card. You will inform us immediately by telephone and in writing about any actual or suspected loss, theft or unauthorized use of a Card, account number, PIN or Convenience Check. Notify us in writing at CEFCU, P.O. Box 1715, Peoria, Illinois 00000-0000 and by phone at 0.000.000.0000, of the loss, theft or possible unauthorized use. You agree that we will consider that all transactions have been authorized by you until you advise us otherwise. After notification to us, you will not be liable for unauthorized use of the Card. Otherwise, if you are an organization with fewer than 10 employees or if we have issued fewer than 10 Cards to cardholders, if a Card is lost or stolen, you will not be liable for unauthorized use of the Card. However, you must identify for us the unauthorized charges from which you received no benefit. We may ask for your and/or the cardholder’s assistance with our investigation by providing us information in writing to help us find out what happened. Keep Your PIN Confidential You and each cardholder agree to keep the PIN confidential and separate from the Card at all times. Ownership Of Card You agree that the Card remains the property of CEFCU and will be surrendered to CEFCU on demand; and, that you do not have the right to assign or transfer from your rights and obligations under this agreement, the account, cardholder account(s) or any of my accounts including Card to anyone else. Observing The Card’s Expiration Date If the Card contains an expiration date, you and each cardholder agree not to use it or any joint account Convenience Checks after such funds as expiration date. If they are necessary used, you agree to pay any such overdraftdebts that are incurred. ATMs The Overdraft Protection rate availability of ATM services and the Cash Advance amount a cardholder can withdraw each day may vary from time to time and without prior notice to you. We are not liable if ATM services are not available or for any overdraft rate, if different, is posted at the Credit Union and identified in statements loss or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvaldamage you may suffer because of a cardholder’s use of an ATM.

OVERDRAFT PROTECTION. If I wish You may, subject to our approval, enroll in our Overdraft Protection I understand I must apply (“Overdraft Protection”), which enables us to transfer funds either from a Money Market Account or checking account designated by you (the “Transfer Account”) to a checking account designated by you (the “Overdrawn Account”) for purposes of satisfying any overdraft in the Overdrawn Account. If the available balance in the Transfer Account is insufficient to satisfy in full the amount of the overdraft in the Overdrawn Account, we will transfer the entire available balance in the Transfer Account to the Overdrawn Account. In that event, you will still incur an overdraft and be approved for itmay incur overdraft fees, as specified in the Fee Schedule. Every account does not come We will use our best efforts to notify you promptly of any overdraft transfer from the Transfer Account, including if the available balance in the Transfer Account is insufficient. Each transfer made in the Overdraft Protection shall constitute an authorized Payment Order. To enroll, you will need to complete an enrollment form (“Overdraft Protection Enrollment Form”). Your Overdraft Protection Enrollment Form and any electronic documents presented to you via Online Banking Services or by other means (e.g., statement notices, mail) that relate to the Overdraft Protection are incorporated into these terms and collectively form the agreement you have with us regarding the Overdraft Protection. If I have been approved for Overdraft Protection with my accountWe may add to, I can borrow up to the limit set by the Credit Union (the “Limit”)delete, change, amend or otherwise modify these terms or any electronically presented document at any time. The Credit Union We may change the Limit or terminate your enrollment in the Overdraft Protection in our discretion at any time. We may modify, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use change or amend the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access terms of the Overdraft Protection by writing cheques providing you with prior written or electronic notice, by posting the notice or an amended agreement or other document on our website or by any other debit transaction I initiate all delivering it to you. Your use of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute after being presented with such a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up written or electronic document constitutes your agreement to the Limit from the date terms of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvaldocument.

OVERDRAFT PROTECTION. To the extent authorized by law, you hereby authorize us to transfer funds from other accounts you maintain at this credit union, in increments as the credit union may determine, to any account upon which you issue a share draft when there are not sufficient funds in the account upon which that draft is issued. If I wish you have a line of credit with this credit union, transfers will be made either from your credit line up to the available credit limit or from your Regular Share Account, if there are sufficient funds in the Regular Share Account. You may elect your preference as to which accounts funds may be transferred from for this purpose. Any overdraft transfers resulting from this procedure may result in a fee being assessed to your regular share account. You agree to hold the credit union harmless for any and all liability that may otherwise exist if a transfer does not occur. Overdraft Protection I understand I must apply Privilege Pay Information & Overdrafts. Overdraft Privilege Pay is a service of First Flight Federal Credit Union that allows us to pay an item presented against your checking account even if it causes the account to become overdrawn. Overdraft privilege is not a line of credit. However, if members inadvertently overdraw their accounts, First Flight Federal will have the discretion to pay the overdraft, subject to the limit of member’s overdraft privilege and be approved the amount of the overdraft fee. First Flight Federal Credit Union is not obligated to pay any item presented for it. Every payment if member’s account does not come with contain sufficient available funds. Any discretionary payment by First Flight Federal Credit Union of an overdraft share draft (excluding ATM and VISA Check Card withdrawals/overdrafts and non-third party checks presented at a teller window) does not obligate First Flight Federal Credit Union to pay any other overdraft share draft (or item), or to provide prior notice of its decision to refuse to pay such share draft (or item). Only the Member-Owner of the account is eligible for the Overdraft ProtectionPrivilege Pay Program. Our Overdraft Privilege Pay program offers overdraft protection to you for qualifying share draft consumer (checking) and electronic accounts. If I have been approved an item or order is presented for Overdraft Protection with my account, I can borrow up payment from an account that has insufficient funds to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paidthat item, the Credit Union may advance on will first determine if you have made other arrangements for overdraft protection either by advancing the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my funds from another account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union or from an overdraft protection loan advance. If there are no such other arrangements for an overdraft to be paid, then the Credit Union will determine if this particular share draft account is eligible for the overdraft to be paid with our Overdraft Privilege Pay Program. Amount/Transaction Restrictions for Privilege Pay Program First Flight Federal Credit Union will have the discretion to pay up to $500.00 and identified the credit union will not pay any amount exceeding the $500.00 which would result in statements or publications made available your primary share draft account being overdrawn in an amount exceeding that limit. Eligibility Restrictions for Privilege Pay Program Pursuant to meFirst Flight Federal Credit Union's commitment to always provide its member with the best level of service, now and in the future, if a member’s consumer account (primarily used for personal and household purposes) and has been open for at least forty-five (45) days, and you have been maintained in good standing and not opted out of this Overdraft Privilege process, you must meet the eligibility requirements below. Interest accrues daily and An Account in good standing includes, but is payable monthlynot limited to, the following minimum requirements. Any You will not be eligible for Overdraft Protection is Privilege Pay if: (1) You have not reached your 18th birthday; (2) You are subject to the applicable lending policy any legal or administrative order such as, but not limited to, garnishment, levy or dishonored instrument; (3) You are currently a party in a bankruptcy proceeding or have caused a financial loss to First Flight Federal Credit Union from a previous bankruptcy filing; (4) You have an outstanding balance on qualification and approval.an existing Overdraft Repayment Plan; (5) There is a hold or freeze on your share draft checking account; (6) You are delinquent on any loan payments at First Flight Federal Credit Union; (7) You are not in default on any loan or other obligation to First Flight Federal Credit Union; (8) You are not subject to any legal or administrative order or levy; (9) You die or are involved in any insolvency proceedings, receivership or custodial proceeding brought by or against you;

OVERDRAFT PROTECTION. If I wish ATB Financial may provide you with overdraft protection for the Account to a maximum amount approved by ATB Financial (“Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union ATB Financial may, in its sole discre- tion, and without prior notice to you, reduce or increase the Overdraft Limit. At any time and without prior notice, ATB Financial may reduce or terminate overdraft protection and refuse to honour any cheques or items that would overdraw or further overdraw the Account even if ATB Financial has previously permitted you to overdraw the Account. Should ATB Financial honour any cheque or item that would overdraw your Account beyond the approved Overdraft Limit, the balance may not remain in excess of the Overdraft Limit for more than 30 days. Overdraft interest, at a rate specified on the Rate and Fee Schedule, will be calculated (but not compounded) daily. ATB Financial may change the Limit or terminate overdraft interest rate without prior notice to you. ATB Financial’s determination of the Overdraft Protection overdraft interest rate at any time will be absolutely binding on you. All interest, upon becoming overdue, will be treated as principal and will bear compound interest at the overdraft interest rate. You agree to repay to ATB Financial the overdraft within 60 days of overdrawing the Account. Provided the overdraft, together with any interest and fees, has been repaid with- in the 60-day period, you may again overdraw the Account. ATB Financial may demand payment at any time. Upon demand, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the full amount overdrawn, together with interest owing on and any applicable fees. You will notify ATB Financial immediately of any adverse change in your financial circum- stances. Upon request, you agree to provide ATB Financial with security to secure the Overdraft Protection including interest Upon Demand overdraft and as collateral for overdraft repayment. You acknowledge that the terms and conditions of the security agreement will impose additional obligations upon you and you agree to abide by the Credit Unionterms and conditions set out in the security agreement. If I default on paymentAt your written notice, I agree ATB Financial will terminate all overdraft protection as soon as reasonably practical to do so. Termination will not relieve you of your obligation to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit full amount overdrawn, together with interest on such overdraft at the interest rate charged by you from time to time owing and any overdraft charges established by the Credit Union from time applicable fees to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalATB Financial.”

OVERDRAFT PROTECTION. Overdrawing your account can be costly. If I wish Overdraft Protection I understand I must apply you occasionally have trouble tracking your balance and be approved for it. Every account does not come with have ever overdrawn your account, you may want to consider Overdraft Protection. If I have been approved for You must affirmatively consent to enroll in Overdraft Protection. Your Overdraft Protection with my accountlimit (limit) is based on certain qualifications such as having regular, I can borrow up to the limit set by the Credit Union (the “Limit”)recurring monthly deposits. The Credit Union Bank periodically reviews accounts for appropriate limits. You will be notified of the effective date, limit, or change to your limit. Transactions may change not be processed in the Limit order in which they occurred and the order may affect the total number of fees incurred. Each overdraft paid or terminate returned is subject to a fee ($25), not to exceed five overdraft fees per day ($125), and will be deducted from your available Overdraft Protection limit. Every withdrawal, check, ATM withdrawal or any other electronic transaction, on an overdrawn account will be charged an overdraft fee. Overdraft fees will not be assessed if the end of day balance is overdrawn by less than $5. Overdraft items in excess of your limit may be paid or returned at the Bank’s discretion and assessed a fee. Even if Overdraft Protection is available, this does not guarantee all items that overdraw the account will be paid. Overdraft Protection will be suspended from your account if you fail to bring your account to a positive balance within 30 days of the first overdraft for at least 1 business day. Overdraft Protection will be suspended if 10 or more items are returned in a statement cycle. A suspension is defined as the removal of an Overdraft limit until the account is returned to a positive balance and the account must remain positive for 5 days.For more information about overdrafts or returned items and the associated fees, or for further information about CNB’s account management options, visit your nearest City National Bank branch or contact the Overdraft Protection department by phone at any time0-000-000-0000 or by mail at City National Bank, at its sole discretion, on notice to me. Once terminated, Attention: Overdraft Protection Department, XX Xxx 0000, Xxxxxx, XX 00000. Additional information is no longer also available to me. I can use in the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to Disclosure Booklet and the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalConsumer Deposit Accounts Brochure.

OVERDRAFT PROTECTION. The Credit Union is under no obligation, unless it has contracted to the contrary, to pay a check you have written, or electronic fund transfer (Electronic Funds Transfer services are covered in Section VIII of this Agreement) if it would result in the account being overdrawn. However, the Credit Union may transfer an amount sufficient to cover a checking account deficiency caused by a check presented for payment, a preauthorized debit, or Card transaction presented against your account. To the extent permitted by applicable law, you authorize us to transfer funds from your Regular Savings Account to your checking account to cover any overdraft. Transfers will be made from your Regular Savings Account, or, if you have designated, other account(s) or Line-of-Credit loan(s), provided you have enough funds and/or available credit. If I wish Overdraft Protection I understand I must apply available to you, we may then transfer from Courtesy Pay. Refer to our Fee Schedule for the fee applicable to such transfers. You agree to hold us harmless from any and be approved for it. Every account all liability which might otherwise exist if a transfer does not come with Overdraft Protectionoccur. If I you have been approved for an Overdraft Protection with my accountLine-of-Credit, I can borrow up or other Line-of-Credit, and elected for overdraft protection from such accounts, the Credit Union may pay the check, preauthorized debit, or Card transaction and add the amount of the resulting overdraft, and applicable fee, to the limit set balance of your Line-of-Credit loan in accordance with the terms and conditions of the Line-of-Credit loan agreement. Subject to applicable law, the Credit Union may pay checks or other items drawn upon your checking account (including those payable to the Credit Union or on which the Credit Union may be liable) in any order determined by the Credit Union, even if paying a particular check or other item results in an insufficient balance in your checking account to pay one or more other items that otherwise could have been paid out of your checking account. The Credit Union (has the “Limit”)option of honoring a check, preauthorized debit, or Card transaction when your Checking account has nonsufficient funds or may dishonor it, solely at our discretion. Honoring of past overdrafts does not obligate the Credit Union to honor them in the future. The Credit Union may change pay the Limit check, preauthorized debit, or terminate Card transaction and charge the Overdraft Protection at amount of the resulting overdraft plus any time, at its sole discretion, on notice applicable fee (refer to meour Fee Schedule) against any account(s). Once terminated, Overdraft Protection is no longer available You agree to me. I can use the Overdraft Protection if there are not enough deposit sufficient funds in my account(s) to cover the amount of the overdraft and fee. Failure to cover any resulting deficiency balance within thirty (30) days of the date that your account first becomes negative may result in account privilege restrictions. If this is a cheque joint account (that is, if two or other debit item I have authorized or a withdrawal I have made up more people are parties to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate this account), all of which shall be considered an advance or loan the account owners are jointly and severally liable to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay repay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and of any overdraft charges established by the Credit Union from time to time. You may transfer from any and fees, regardless of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.which of the

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval. 5.

OVERDRAFT PROTECTION. If I wish ATB Financial may provide you with overdraft protection for the Account to a maximum amount approved by ATB Financial (“Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any timeATB Financial may, at in its sole discretion, on and without prior notice to me. Once terminatedyou, Overdraft Protection is no longer available to me. I can use reduce or increase the Overdraft Protection Limit. At any time and without prior notice, ATB Financial may reduce or terminate overdraft protection and refuse to honor any cheques or items that would overdraw or further overdraw the Account even if there are not enough funds in my account(s) ATB Financial has previously permitted you to cover a overdraw the Account. Should ATB Financial honor any cheque or other debit item I have authorized or a withdrawal I have made up that would overdraw your Account beyond the approved overdraft limit, the balance may not remain in excess of the overdraft limit for more than 30 consecutive days. Overdraft interest, at an annual rate of 19.25%, will be calculated (but not compounded) daily. ATB Financial may change the overdraft interest rate without prior notice to you. ATB Financial's determination of the overdraft interest rate at any time will be absolutely binding on you. All interest, upon becoming overdue, will be treated as principal and will bear compound interest at the overdraft interest rate. You agree to make monthly payments to ATB Financial at the end of each month in an amount equal to at least the interest accrued at the end of each month during that month. Interest will be posted to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate end of each month. Any payment will be applied firstly against interest charged by you from time to time for Overdraft Protection and secondly against principal. In case of default, ATB Financial may allocate payment differently. ATB Financial may demand payment at any Overdraft Protection charges established by the Credit Union from time to time. If not paidUpon demand, the Credit Union may advance on the Overdraft Protection to pay such interest. I you agree to pay the full amount overdrawn, together with interest owing and any applicable fees. If more than one of you sign the Application and, or the Signature Card for the Account, then you agree that you shall be jointly and severally liable to ATB Financial for repayment of the full amount overdrawn, together with interest owing and any applicable fees. You will notify ATB Financial immediately of any adverse change in your financial circumstances. Upon request, you agree to provide ATB Financial with security to secure the overdraft and as collateral for overdraft repayment. You acknowledge that the terms of the security agreement will impose additional obligations on the Overdraft Protection including interest Upon Demand you and you agree to abide by the Credit Unionterms and conditions set out in the security agreement. If I default on paymentAt your written notice, I agree ATB Financial will terminate overdraft protection as soon as it is reasonably practical to do so. Termination will not relieve you of your obligation to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit full amount overdrawn, together with interest on such overdraft at the interest rate charged by you from time to time owing and any overdraft charges established by the Credit Union from time applicable fees to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalATB Financial.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved The Credit Union is under no obligation to pay a check you have written, or “electronic fund transfer” (“electronic fund transfer” services are itemized in Section XIV Subsection E of this Agreement) if it would result in the account being overdrawn. However, the Credit Union will transfer an amount sufficient to cover a checking account deficiency caused by a check presented for itpayment, a preauthorized debit or merchant purchase presented against your account, with a transfer from your account(s), as you have designated, if funds are available. Every account does not come with Overdraft ProtectionRefer to our Fee Schedule for the fee applicable to this transfer. If I you have been approved for Overdraft Protection with my accounta Line-of-Credit loan, I can borrow up to the limit set by the Credit Union (may pay the “Limit”)check, preauthorized debit, or merchant purchase and add the amount of the resulting overdraft to the balance of your Line-of-Credit loan in accordance with the terms and conditions of the Line-of-Credit loan Agreement. The Credit Union has the option of honoring a check, preauthorized debit, or merchant purchase when your checking account has non-sufficient funds or may dishonor it, solely at our discretion. Honoring of past overdrafts does not obligate the Credit Union to honor them in the future. The Credit Union may change pay the Limit check, preauthorized debit, or terminate merchant purchase and charge the Overdraft Protection at amount of the resulting overdraft plus any time, at its sole discretion, on notice applicable fee against any account(s). Refer to meour Fee Schedule. Once terminated, Overdraft Protection is no longer available You agree to me. I can use the Overdraft Protection if there are not enough deposit sufficient funds in my account(s) to cover the amount of the overdraft and fee. Failure to cover any resulting deficiency balance within thirty (30) days of the date that your account first becomes negative will result in account privilege restrictions. If this is a cheque joint account (that is, if two or other debit item I have authorized or a withdrawal I have made up more people are parties to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate this account), all of which shall be considered an advance or loan the account owners are jointly and severally liable to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay repay the Credit Union interest on all amounts advanced up to the Limit from the date amount of any overdraft and fees, regardless of which of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an parties creates an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply Options You may select an overdraft source. By doing so, when you do not have enough available funds in your account to cover a check or other item drawn by any account holder or authorized signer, you authorize and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my direct Sun East to automatically transfer funds from another designated Sun East account, I can borrow up such as a savings account, or from an overdraft line of credit. Sun East reserves the right to charge an overdraft protection transfer fee for such transfers. See Sun East’s Schedule of Fees and Charges for a current list of fees. Please Note: Overdraft protection transfers are subject to Federal Regulation D and are therefore limited in number as described above. Additionally, Sun East offers the limit set by following overdraft services: Courtesy Pay Privilege. Sun East’s discretionary overdraft program provides account holders in “good standing” the Credit Union service of paying overdraft items including checks, automatic bill payment (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if ACH) and other transactions using your checking account number when there are not enough funds in my account(s) the checking account to cover a cheque or the items. This non-contractual courtesy of paying overdrafts for checks, other debit item I have authorized or a withdrawal I have transactions made using your checking account number and automatic bill payments requires no account holder action. It costs nothing unless the privilege is used. If you meet eligibility requirements and need to use this service, we may, at our sole discretion, pay the item(s) up to the Limitauthorized limit and will charge your account the Courtesy Pay Fee as listed in Sun East’s Schedule of Fees and Charges for each item that overdraws the account. I may access Courtesy Pay Privilege does not authorize us or allow us to pay ATM transactions or every day debit card transactions. Courtesy Pay Privilege Plus. Overdraft Opt-In Service for everyday debit card and ATM transactions provides account holders in “good standing” the Overdraft Protection by writing cheques option to authorize Sun East to pay everyday debit card and ATM transactions when there are not enough funds in their checking account to cover these transactions. Federal regulations require that members opt-in to this service. For information on how to opt in to Courtesy Pay Privilege Plus for everyday debit card and ATM transactions, contact us. Sun East will not pay overdrafts you make using your Debit Card for everyday purchases at stores, online or by any other debit transaction I initiate all of which shall telephone or ATM transactions, unless you sign a Courtesy Pay Privilege Plus Opt-In form letting us know that you wish to be considered an advance or loan eligible for this service. If you Opt-In to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will this feature, we may, at our sole discretion, pay the Credit Union interest on all amounts advanced item(s) up to the Limit from authorized limit and will charge your account the date Courtesy Pay Fee as listed in Sun East’s Schedule of Fees and Charges for each item that overdraws the advanceaccount. At any time, as well after as before maturity, default or judgment at the rate you may change your decision and opt out of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to timeCourtesy Pay Privilege Plus. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraftCourtesy Pay Privilege/Plus Policy. The Overdraft Protection rate and any overdraft rate, if different, Courtesy Pay Privilege/ Plus program is posted at the Credit Union and identified in statements or publications made available to mecertain account holders in “good standing.” Please Note: Courtesy Pay Privilege/Plus is not available on all account types, such as minor/UTMA, estate, and Rep Payee accounts. Interest accrues daily and Account in “good standing” is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.defined as:

OVERDRAFT PROTECTION. If I wish This is an optional service you can add to your checking account by linking up to three (3) eligible accounts to serve as overdraft protection. We will use available funds in your linked account(s) to authorize or pay your transactions if you don’t have enough money in your checking account. A single Overdraft Protection I understand I must apply and Transfer Fee will be approved assessed each time a transfer/advance is made regardless of the number of transactions covered or whether money is transferred/advanced from multiple accounts. The fee for itan overdraft transfer is set forth in the Business Fee Schedule. Every Transfers from a deposit account does will be governed by this Agreement. Transfers from a loan account will be governed by the applicable loan agreement. We will not come with assess a fee unless the transfer/advance helped you avoid at least one overdraft or returned item. If you link multiple accounts, you may tell us the order in which you would like the funds transferred/advanced from. If you do not specify an order, we will first transfer funds from your linked savings account. Linked Account Transfers for Overdraft Coverage (“Overdraft Protection. ”): If I you have been approved for our Overdraft Protection with my accountplan, I can borrow up to the limit set by you authorize the Credit Union (to transfer funds from the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my eligible account(s) designated by you ("Transfer Account") to cover a cheque the overdrawn account. Transfers will be performed in accordance with your written transfer instructions, our overdraft procedures, or other debit item I agreements you have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by with the Credit Union. If I default on payment, I agree Transfers from a loan account will be governed by the applicable loan agreement. Funds in your Transfer Account(s) will be transferred to pay your overdrawn account in increments of $100 to cover the charges applicable to Overdraft ProtectionNSF transaction. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you balance in your absolute discretion may permit together with interest on such overdraft at Transfer Account is $100 or less, the interest rate charged by entire balance in the Transfer Account will be transferred. If the first Transfer Account does not have a sufficient balance to cover the overdraft, the balance in that Transfer Account will be transferred and the remaining amount needed to cover the transaction will be transferred from the next Transfer Account(s) in an order you from time to time and any overdraft charges established by the Credit Union from time to timehave designated. You may designate up to three qualified transaction accounts to serve as overdraft protection. You understand that your use of your checking account and transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification Credit Union's Membership Agreement and approvalother account service charges may apply.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized writtenauthorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approval.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer a service that automatically transfers funds to a qualifying deposit Account to cover an overdraft by one or more of the following methods: (i) transfer of funds from a designated Overdraft Line of Credit Account; (ii) transfer of funds from a designated checking, money market or statement savings Account; (iii) transfer of funds from a designated Overdraft Line of Credit Account first and if funds are not available, from a designated checking, money market or statement savings Account; or (iv) transfer of funds from a designated checking, money market or statement savings Account first and if funds are not available, from a designated Overdraft Line of Credit Account. When both a designated deposit Account and a designated Overdraft Line of Credit Account are linked, the balance in either Account must be sufficient to cover the overdraft in full before a transfer can be made. The balances in the different Accounts will not be combined to cover the overdraft. Overdraft Line of Credit Accounts are subject to qualification and the terms and conditions contained in the applicable credit agreement. Please refer to the Overdraft Line of Credit Agreement for more information. All fees applicable to your Overdraft Line of Credit Account are also contained in the agreement. Overdraft Protection may not be available to mecover an overdraft if you have exceeded your credit limit or available checking, money market or statement savings Account balance. I can use the If your Overdraft Protection is not available, you will be charged the applicable Paid Item Fees for Insufficient/Unavailable Funds as disclosed in the Service Fees section of the Accounts Disclosure. You will be charged a Paid Item Fee if we honor or pay an Item or transaction when you have a non-sufficient available balance but only if you were not previously charged a Returned Item Fee when the Item or transaction was previously returned, rejected, or declined. We have no obligation to notify you if we honor, pay, return or decline an Item or transaction for a non-sufficient available balance. If a check/debit or other Item is presented against your checking Account when there is an insufficient balance to pay the Item, funds will be automatically transferred from your designated Overdraft Protection option to the checking Account, in the amount needed to pay the overdraft amount. If there are not enough funds in my account(s) to cover a cheque pay the entire amount of the overdraft or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques has been terminated, blocked or by any other debit modified, your Items may be returned unpaid in accordance with your overdraft decision for the overdraft process. You will be charged a Paid Item Fee if we honor or pay the Item or transaction I initiate all of which shall when you have a non-sufficient available balance, unless you were previously charged a Returned Item Fee when the Item or transaction was previously returned, rejected, or declined. We have no obligation to notify you if we honor, pay, return or decline an Item or transaction for a non-sufficient available balance. Each transfer from a checking, statement savings or money market Account designated as Overdraft Protection may be considered an advance or loan subject to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on Transfer Fee as described in the Service Fees section of the Accounts Disclosure. The Bank reserves the right to return any overdraft that cannot be covered by an Overdraft Protection and transfer from your credit line or designated checking, money market, or statement savings Account. Each overdraft Item that cannot be covered by your designated Overdraft Protection option will be subject to the Bank’s current Paid Item Fee for Insufficient/Unavailable Funds in accordance with your overdraft decision for the purposes overdraft process. Order of The Personal Property Security Act shall constitute a debtor initiated payment. I will Posting We generally process and pay presented checks that you write from your Account in the Credit Union interest on all amounts advanced up to the Limit from order in which they are received by using the date and time of when the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to timetransaction was authorized. If multiple transactions have the same date and time, then they are posted in low to high dollar amount order. We may establish different processing orders for other transactions; therefore, transactions may not paidbe processed in the order in which they occurred, and the Credit Union order in which transactions are received and processed may advance on result in more Insufficient Funds Items and more Paid Item fees than other processing orders. You will not be charged more than one Overdraft Fee for any check or payment request, regardless of whether we are once again returning an Item that had been previously returned unpaid due to a non-sufficient available balance, or paying an Item when you have a non-sufficient available balance and we had previously returned, rejected, or declined the Overdraft Protection Item and had previously charged a Returned Item Fee for the Item. Set-off and Security Interest Set-off – If you have any debts due to us or amounts you owe us, then we reserve the right of set-off, or to use funds in your deposit Account to pay such interestany debts or amounts you owe us, even if withdrawal results in an interest penalty or dishonor of subsequent checks. I agree For joint Accounts, we may exercise our right against the entire balance to pay the amount owing on individual debts of any one owner of the Overdraft Protection including interest Upon Demand by Account. You and your joint Account owners agree that the Credit Unionbank may use the funds in your individual or joint Accounts to satisfy obligations of the joint Account. If I default on paymentyou are a sole proprietor, I agree to pay the charges applicable to Overdraft Protectionwe may charge any of your personal or business Accounts. If I overdraw your business is a partnership, we may also charge the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request personal Accounts of any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthlygeneral partner. Any Overdraft Protection garnishment or other levy against your Account(s) is subject to the Bank’s right of set-off and any security interest the bank may have. To the extent not prohibited by law, the Bank may exercise its right of set-off against any deposit regardless of its source, including deposit of Social Security, disability or other government benefits normally protected from creditor claims, and you expressly acknowledge and agree that such set-off is permissible and to waive your rights to such protection. This provision does not apply to IRA or tax-qualified retirement Accounts, to consumer credit card obligations, or where otherwise prohibited by law. Security Interest – You grant us a security interest in your Account for amounts owing to us under this Agreement by any owner. This provision does not apply to IRA or tax-qualified retirement Accounts, or where otherwise prohibited by law. Inactive Accounts Your checking and money market Accounts will be considered inactive if you have not made a physical deposit or withdrawal to or from the Account for one (1) year. Your savings Accounts will be considered inactive if you have not made a physical deposit or withdrawal to or from the Account for three (3) years. Automatic deposits and withdrawals are not considered to be a transaction performed by you. You may reinstate the status of your Account to active by making a deposit or withdrawal to the Account or by communicating in writing with us regarding your Account. All Accounts are subject to service charges described in the Fee Schedule, whether or not the Account is active. Unclaimed Property Most states have established rules and regulations regarding unclaimed property or escheatment (“Unclaimed Property”) for residents of those states. Your home state (“Home State”) for purposes of the Unclaimed Property rules is the state of your physical address on your Account. For example, if your address is 0000 Xxxx Xxxxxx xx Xxxxxxxx, New York, your home state is New York. If we have not received communication from you, or if there has not been any activity in your Account for the period of time established by the laws of your Home State, we are required by law to distribute the Account balance to the designated official in your Home State. This process is referred to as “escheatment.” Your Account is considered to have activity if you make at least one deposit or withdrawal annually, or you contact us. For purposes of the Unclaimed Property laws, Account activity must be active, i.e., you must perform a deposit or withdrawal; automatic deposits or withdrawals are not considered activity under the Unclaimed Property laws. Please refer to the Unclaimed Property laws of your state for more information. If your Account is approaching the designated timeframe to be escheated, we will mail you a notice at the address we have on file for you as required by law. We may make other efforts to provide notice to you, consistent with the laws of your Home State. If your Account funds are escheated, we may impose a fee as described in the Service Fees section of our Accounts Disclosures. Once the funds are escheated to the state, we are not liable to you for the funds, and any questions regarding the funds should be directed to the applicable lending policy on qualification and approvalstate Unclaimed Property office.

OVERDRAFT PROTECTION. If I wish Overdraft Protection I understand I is a service that automatically transfers funds to a qualifying deposit account to cover an overdraft by one or more of the following methods: (i) transfer of funds from a designated credit account; (ii) transfer of funds from a designated savings account; (iii) transfer of funds from a designated credit account (excluding BB&T Visa) first and if funds are not available, from a designated savings account; or (iv) transfer of funds from a designated savings account first and if funds are not available, from a designated credit account (excluding BB&T Visa). When both a designated savings account and a designated credit account are linked, the balance in either account must apply be sufficient to cover the overdraft in full before a transfer can be made. The balances in the different accounts will not be combined to cover the overdraft. Credit accounts are subject to qualification and the terms and conditions contained in the applicable credit agreement. All fees applicable to your credit account are also contained in the credit agreement. The amount of Overdraft Protection available from a linked BB&T Visa is limited to the amount of the available Cash Advance limit. Your local BB&T financial center can discuss which credit accounts are available to provide Overdraft Protection. Overdraft Protection may not be approved available to cover an overdraft if you have exceeded your credit limit or available savings account balance. You will be charged applicable overdraft fees as disclosed in the Personal Services Pricing Guide if your Overdraft Protection is not available. Only one savings account and one credit account may be linked to a checking account for it. Every account does not come with Overdraft Protection. If I have been approved you select your BB&T Visa account as Overdraft Protection, no other account may be linked as a secondary source of funds. Automatic or other “convenient” transfers made from a designated savings account to a checking account for Overdraft Protection with my accountare included in transactions that are limited to no more than six (6) per monthly statement cycle. The BB&T Vantage Investor’s Deposit Account may only be linked to a BB&T Wealth Vantage Checking or BB&T Private Checking Account to cover Overdrafts. If a check/debit or other item (“item”) is presented against your checking account when there is an insufficient balance to cover the item, I can borrow up funds will be automatically transferred from your designated overdraft protection option to the limit set by checking account in the Credit Union (amount needed to cover the “Limit”)overdraft amount. The Credit Union may change the Limit or terminate the Overdraft Protection at any time, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if If there are not enough funds in my account(s) to cover the entire amount of the overdraft or the overdraft protection has been terminated, blocked or modified, your items may be returned unpaid and a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access fee charged in accordance with your overdraft decision for the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to meReview process. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the amount owing on the Overdraft Protection including interest Upon Demand by the Credit Union. If I default on payment, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit together with interest on such overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may Each automatic transfer from any of my certain credit accounts including any joint or from a designated savings account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification Automatic Overdraft Protection Transfer Fee and approvalthe Excessive Activity Fee, if applicable, as described in the Personal Services Pricing Guide. The Transfer Fee will be assessed directly against the checking account receiving the funds from the automatic transfer and any Excessive Activity Fee will be assessed against the savings account. If the amount transferred to cover the overdraft is less than $5.00, an Overdraft Transfer Fee will not be charged. The Bank reserves the right to return any overdraft that cannot be covered by an automatic transfer from your credit card, credit line, or designated savings account. Any overdraft that cannot be covered by your designated overdraft protection option will be subject to the Bank’s current overdraft fees in accordance with your overdraft decision for the Overdraft Review process.

OVERDRAFT PROTECTION. The Credit Union is under no obligation, unless it has contracted to the contrary, to pay a check you have written, or electronic fund transfer (Electronic Fund Transfer services are covered in Section VIII of this Agreement) if it would result in the account being overdrawn. However, the Credit Union may transfer an amount sufficient to cover a checking account deficiency caused by a check presented for payment, a preauthorized debit or Card transaction presented against your account. To the extent permitted by law, you authorize us to transfer funds from your Regular Share account to your checking account to cover any overdraft. Transfers will be made from your Regular Share account, or, if you have designated, other account(s) or Line-of-Credit loan(s), provided you have sufficient available funds and/or available credit. If I wish Overdraft Protection I understand I must apply available to you, we may then transfer from Courtesy Pay. Refer to our Fee Schedule for the fee applicable to such transfers. You agree to hold us harmless from any and be approved for it. Every account all liability which might otherwise exist if a transfer does not come with Overdraft Protectionoccur. If I you have been approved for an Overdraft Protection with my accountLine-of-Credit, I can borrow up or other Line- of-Credit, and elected for overdraft protection from such accounts, the Credit Union may pay the check, preauthorized debit, or Card transaction and add the amount of the resulting overdraft, and applicable fee, to the limit set balance of your Line-of-Credit loan in accordance with the terms and conditions of the Line-of-Credit loan agreement. Subject to applicable law, the Credit Union may pay checks or other items drawn upon your checking account (including those payable to the Credit Union or on which the Credit Union may be liable) in any order determined by the Credit Union, even if paying a particular check or other item results in an insufficient available balance in your checking account to pay one or more other items that otherwise could have been paid out of your checkingaccount. The Credit Union (has the “Limit”)option of honoring a check, preauthorized debit, or Card transaction when your Checking account has insufficient available funds or may dishonor it, solely at our discretion. Honoring of past overdrafts does not obligate the Credit Union to honor them in the future. The Credit Union may change pay the Limit check, preauthorized debit, or terminate Card transaction and charge the Overdraft Protection at amount of the resulting overdraft plus any time, at its sole discretion, on notice applicable fee (refer to meour Fee Schedule) against any account(s). Once terminated, Overdraft Protection is no longer available You agree to me. I can use the Overdraft Protection if there are not enough deposit sufficient funds in my account(s) to cover the amount of the overdraft and fee. Failure to cover any resulting deficiency balance within thirty (30) days of the date that your account first becomes negative will result in account privilege restrictions. If this is a cheque joint account (that is, if two or other debit item I have authorized or a withdrawal I have made up more people are parties to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate this account), all of which shall be considered an advance or loan the account owners are jointly and severally liable to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay repay the Credit Union interest the amount of any overdraft and fees, regardless of which of the parties creates an overdraft. When determining whether a check or other item drawn on all amounts advanced up your checking account would, if paid, create an overdraft, both for the purpose of determining whether and how to pay the item and whether a fee related to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paiditem being an overdraft may be charged, the Credit Union may advance will use the “Available Balance” for your checking account at the time the item is presented. The Available Balance is the balance shown on the Overdraft Protection to pay such interest. I agree to pay our books (“Ledger Balance”) reduced by (i) the amount owing on of any holds in place with respect to deposited checks or other items, (ii) the Overdraft Protection including interest Upon Demand amount in the account that is subject to any preauthorization requests related to the account that have been accepted by the Credit Union. If I default , (iii) amounts in the account that are subject to holds based on paymentcourt, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit tax agency, or if there is no Overdraft Protection on my account I promise to pay upon your request any other governmental proceedings, and (iv) amounts that overdraw my account(s)(“an overdraft”) which you in we believe are subject to a dispute over ownership or other rights. Examples of preauthorization requests are holds related to purchase or service related transactions, including transactions where the final amount is initially unknown, such as gas station purchases, restaurant charges, and hotel or car reservations, but there are other types of preauthorization requests that could affect your absolute discretion account as well. Note that the use of the Available Balance for these purposes may permit together with interest on such cause a fee related to an overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may be charged, or a line of credit advance or transfer from another account to be made, even though your periodic statement may not reflect any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at time when the Credit Union and identified in balance (periodic statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvaluse Ledger Balances) would benegative.

OVERDRAFT PROTECTION. The Credit Union is under no obligation, unless it has contracted to the contrary, to pay a check you have written, or electronic fund transfer (Electronic Fund Transfer services are covered in Section VIII of this Agreement) if it would result in the account being overdrawn. However, the Credit Union may transfer an amount sufficient to cover a checking account deficiency caused by a check presented for payment, a preauthorized debit or Card transaction presented against your account. To the extent permitted by law, you authorize us to transfer funds from your Regular Share account to your checking account to cover any overdraft. Transfers will be made from your Regular Share account, or, if you have designated, other account(s) or Line-of-Credit loan(s), provided you have enough funds and/or available credit. If I wish Overdraft Protection I understand I must apply available to you, we may then transfer from Courtesy Pay. Refer to our Fee Schedule for the fee applicable to such transfers. You agree to hold us harmless from any and be approved for it. Every account all liability which might otherwise exist if a transfer does not come occur. in accordance with Overdraft Protection. the terms and conditions of the Line-of-Credit loan agreement If I you have been approved for an Overdraft Protection with my accountLine-of-Credit, I can borrow up or other Line- of-Credit, and elected for overdraft protection from such accounts, the Credit Union may pay the check, preauthorized debit, or Card transaction and add the amount of the resulting overdraft, and applicable fee, to the limit set balance of your Line-of-Credit loan . Subject to applicable law, the Credit Union may pay checks or other items drawn upon your checking account (including those payable to the Credit Union or on which the Credit Union may be liable) in any order determined by the Credit Union, even if paying a particular check or other item results in an insufficient balance in your checking account to pay one or more other items that otherwise could have been paid out of your checking account. The Credit Union (has the “Limit”)option of honoring a check, preauthorized debit, or Card transaction when your Checking account has non-sufficient funds or may dishonor it, solely at our discretion. Honoring of past overdrafts does not obligate the Credit Union to honor them in the future. The Credit Union may change pay the Limit check, preauthorized debit, or terminate Card transaction and charge the Overdraft Protection at amount of the resulting overdraft plus any time, at its sole discretion, on notice applicable fee (refer to meour Fee Schedule) against any account(s). Once terminated, Overdraft Protection is no longer available You agree to me. I can use the Overdraft Protection if there are not enough deposit sufficient funds in my account(s) to cover the amount of the overdraft and fee. Failure to cover any resulting deficiency balance within thirty (30) days of the date that your account first becomes negative will result in account privilege restrictions. If this is a cheque joint account (that is, if two or other debit item I have authorized or a withdrawal I have made up more people are parties to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate this account), all of which shall be considered an advance or loan the account owners are jointly and severally liable to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay repay the Credit Union interest the amount of any overdraft and fees, regardless of which of the parties creates an overdraft. When determining whether a check or other item drawn on all amounts advanced up your checking account would, if paid, create an overdraft, both for the purpose of determining whether and how to pay the item and whether a fee related to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paiditem being an overdraft may be charged, the Credit Union may advance will use the “Available Balance” for your checking account at the time the item is presented. The Available Balance is the balance shown on the Overdraft Protection to pay such interest. I agree to pay our books (“Ledger Balance”) reduced by (i) the amount owing on of any holds in place with respect to deposited checks or other items, (ii) the Overdraft Protection including interest Upon Demand amount in the account that is subject to any preauthorization requests related to the account that have been accepted by the Credit Union. If I default , (iii) amounts in the account that are subject to holds based on paymentcourt, I agree to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit tax agency, or if there is no Overdraft Protection on my account I promise to pay upon your request any other governmental proceedings, and (iv) amounts that overdraw my account(s)(“an overdraft”) which you in we believe are subject to a dispute over ownership or other rights. Examples of preauthorization requests are holds related to purchase or service related transactions, including transactions where the final amount is initially unknown, such as gas station purchases, restaurant charges, and hotel or car reservations, but there are other types of preauthorization requests that could affect your absolute discretion account as well. Note that the use of the Available Balance for these purposes may permit together with interest on such cause a fee related to an overdraft at the interest rate charged by you from time to time and any overdraft charges established by the Credit Union from time to time. You may be charged, or a line of credit advance or transfer from another account to be made, even though your periodic statement may not reflect any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at time when the Credit Union and identified in balance (periodic statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvaluse Ledger Balances) would be negative.

OVERDRAFT PROTECTION. If I wish ATB Financial may provide you with overdraft protection for the Account to a maximum amount approved by ATB Financial (“Overdraft Protection I understand I must apply and be approved for it. Every account does not come with Overdraft Protection. If I have been approved for Overdraft Protection with my account, I can borrow up to the limit set by the Credit Union (the “Limit”). The Credit Union ATB Financial may, in its sole discre- tion, and without prior notice to you, reduce or increase the Overdraft Limit. At any time and without prior notice, ATB Financial may reduce or terminate overdraft protection and refuse to honour any cheques or items that would overdraw or further overdraw the Account even if ATB Financial has previously permitted you to overdraw the Account. Should ATB Financial honour any cheque or item that would overdraw your Account beyond the approved Overdraft Limit, the balance may not remain in excess of the Overdraft Limit for more than 30 days. Overdraft interest, at a rate specified on the Rate and Fee Schedule, will be calculated (but not compounded) daily. ATB Financial may change the Limit or terminate overdraft interest rate without prior notice to you. ATB Financial’s determination of the Overdraft Protection overdraft interest rate at any time will be absolutely binding on you. All interest, upon becoming overdue, will be treated as principal and will bear compound interest at the overdraft interest rate. You agree to repay to ATB Financial the overdraft within 60 days of overdrawing the Account. Provided the overdraft, together with any interest and fees, has been repaid within the 60-day period, you may again overdraw the Account. ATB Financial may demand payment at any time. Upon demand, at its sole discretion, on notice to me. Once terminated, Overdraft Protection is no longer available to me. I can use the Overdraft Protection if there are not enough funds in my account(s) to cover a cheque or other debit item I have authorized or a withdrawal I have made up to the Limit. I may access the Overdraft Protection by writing cheques or by any other debit transaction I initiate all of which shall be considered an advance or loan to me. All deposits or credits to my account or a linked deposit account to which the Overdraft Protection is attached will constitute a payment on the Overdraft Protection and for the purposes of The Personal Property Security Act shall constitute a debtor initiated payment. I will pay the Credit Union interest on all amounts advanced up to the Limit from the date of the advance, as well after as before maturity, default or judgment at the rate of interest charged by you from time to time for Overdraft Protection and any Overdraft Protection charges established by the Credit Union from time to time. If not paid, the Credit Union may advance on the Overdraft Protection to pay such interest. I agree to pay the full amount overdrawn, together with interest owing on and any applicable fees. You will notify ATB Financial immediately of any adverse change in your financial circum- stances. Upon request, you agree to provide ATB Financial with security to secure the Overdraft Protection including interest Upon Demand overdraft and as collateral for overdraft repayment. You acknowledge that the terms and conditions of the security agreement will impose additional obligations upon you and you agree to abide by the Credit Unionterms and conditions set out in the security agreement. If I default on paymentAt your written notice, I agree ATB Financial will terminate all overdraft protection as soon as reasonably practical to do so. Termination will not relieve you of your obligation to pay the charges applicable to Overdraft Protection. If I overdraw the approved Overdraft Protection Limit or if there is no Overdraft Protection on my account I promise to pay upon your request any amounts that overdraw my account(s)(“an overdraft”) which you in your absolute discretion may permit full amount overdrawn, together with interest on such overdraft at the interest rate charged by you from time to time owing and any overdraft charges established by the Credit Union from time applicable fees to time. You may transfer from any of my accounts including any joint account such funds as are necessary to pay any such overdraft. The Overdraft Protection rate and any overdraft rate, if different, is posted at the Credit Union and identified in statements or publications made available to me. Interest accrues daily and is payable monthly. Any Overdraft Protection is subject to the applicable lending policy on qualification and approvalATB Financial.