Common use of Overdrafts Clause in Contracts

Overdrafts. If any Item or other debit presented to us will overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.

Overdrafts. If any Item or other debit presented to us will You understand that we may, at our discretion, honor withdrawal requests that overdraw your account. However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later. So you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past. We can change our practice of paying, or not paying, discretionary overdrafts on your account without notice to you. You can ask us if we have other account services that might be available account balanceto you where we commit to paying overdrafts under certain circumstances, including any balance in such as an overdraft protection line-of-credit or a plan to sweep funds from another account ("ODP Account") we you have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine charge fees for overdrafts. For consumer accounts, we will not charge fees for overdrafts caused by ATM withdrawals or one-time debit card transactions if you have not opted-in our discretion to that service. We may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees. Nonsufficient funds (NSF) fees - If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in an amount that is more than the categories, the transactions within a category, the order among categoriesamount of money available in your account, and we decide not to pay the posting orders within item or transaction, you agree that we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times and that we do not monitor or control the number of times a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categoriesis presented for payment. You agree that we may charge you an NSF fee each time a payment is presented if the amount of money available in your account is not sufficient to cover the payment, regardless of the number of times the payment is presented. Balance information - Keeping track of your balance is important. You can review your balance in a number of ways including reviewing your periodic statement, reviewing your balance online, accessing your account information by phone, or coming into one of our discretion branches. Funds availability - Knowing when funds you deposit will be made available for withdrawal is another important concept that can help you avoid being assessed fees or charges. Please see our funds availability disclosure for information on when different types of deposits will be made available for withdrawal. For those accounts to which our funds availability policy disclosure does not apply, you can ask us when you make these changes a deposit when those funds will be available for withdrawal. An item may be returned after the funds from the deposit of that item are made available for withdrawal. In that case, we will reverse the credit of the item. We may determine the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout between the day. Regardless of when during the day times we receive transactions for your accountthe item and when we return the item or send a notice in lieu of return. We need only make one determination, you agree that we may treat them as but if we received all transactions choose to make a subsequent determination, the account balance at the same subsequent time will determine whether there are insufficient available funds. A temporary debit authorization hold affects your account balance - On debit card purchases, merchants may request a temporary hold on your account for a specified sum of money when the merchant does not know the exact amount of the purchase at the end time the card is authorized. The amount of the business daytemporary hold may be more than the actual amount of your purchase. During Some common transactions where this occurs involve purchases of gasoline, hotel rooms, or meals at restaurants. When this happens, our processing system cannot determine that the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end amount of the dayhold exceeds the actual amount of your purchase. This temporary hold, with and the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits amount charged to your account, and report them on will eventually be adjusted to the actual amount of your statementpurchase, but it could be three calendar days, or even longer in a different order some cases, before the adjustment is made. Until the adjustment is made, the amount of funds in your account available for other transactions will be reduced by the amount of the temporary hold. If another transaction is presented for payment in an amount greater than the funds left after the deduction of the temporary hold amount, you will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy. You will be charged the fee even if you would have had sufficient funds in your account if the amount of the hold had been equal to the amount of your purchase. Payment order of items - The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. The payment order can affect the number of items overdrawn or returned unpaid and the amount of the fees you conduct them may have to pay. To assist you in managing your account, we are providing you with the following information regarding how we process those items. Our policy is to process debit card transactions and over-the-counter checks first, in real time as they occur on the day they are processed. We process other checks second, by dollar amount - smallest to largest on the day they are processed. We process ACH and electronic items third, by dollar amount - smallest to largest on the day they are processed. If a check, item or transaction is presented without sufficient funds in your account to pay it, you will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy. We will not charge you a fee for paying an overdraft of an ATM or one-time debit card transaction if this is a consumer account and you have not opted-in to that service. The amounts of the overdraft and NSF fees are disclosed elsewhere, as are your rights to opt in to overdraft services for ATM and one-time debit card transactions, if applicable. We encourage you to make careful records and practice good account management. This will help you to avoid creating items without sufficient funds and potentially incurring the resulting fees. INTEREST CHECKING AND NON INTEREST CHECKING ACCOUNT HOLDERS - This Account consists of a checking sub account and a savings sub account. The Bank may periodically transfer funds between these two sub accounts. On a sixth transfer during a calendar month, any funds in the savings sub account will be transferred back to the checking sub account. If your Account is a Plan on which interest is paid, your interest calculation will remain the same. Otherwise, the savings sub account will be non-interest bearing. The saving sub account will be governed by the rules governing our other savings accounts. This process will not affect your available balance, the interest you may earn, FDIC insurance protection, or your monthly statement. OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we receive thempay the account funds. Individual Account - is an account in the name of one person. Joint Account - With Survivorship (And Not As Tenants In Common) - is an account in the name of two or more persons. Each of you intend that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account - No Survivorship (As Tenants In Common) - This is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the number of signatures necessary for withdrawal.

Overdrafts. An overdraft is a type of borrowing. If any Item you're in your overdraft, it means you've spent more money than you have in your account. Overdrafts are designed for short-term borrowing, not long-term borrowing. Please be careful before making a payment that takes you into your overdraft. If you try to borrow more than your agreed overdraft limit, or other debit presented to us will overdraw the available account balance, including any balance in without agreeing an overdraft protection limit with us in advance, your payment may not go through. We expect you to keep enough money in your account ("ODP Account") to make your payments. The exception is if we agree an 'arranged overdraft' with you. An arranged overdraft is one that we agree with you in advance. If you have an arranged overdraft, you can spend money up to the limit we have established agreed with you. If we give you an arranged overdraft, we'll send you an overdraft letter explaining the extra terms and conditions that apply. Your overdraft letter will tell you things like how much interest you need to pay and when we can ask you to repay us. If you have an arranged overdraft with us, you can ask us to cancel it or reduce it at any time. Usually, if you want to make a payment and there isn't enough money in your account, we'll refuse to make the payment. If we can't refuse to make the payment for any reason, it may still come out of your account. If this happens, the payment will take you into an 'unarranged overdraft'. When you owe us fees or charges, we can take these amounts automatically from your account. It is your responsibility to make sure you have enough money in your account to cover those fees and charges. If you don't, this might also take you into an 'unarranged overdraft'. Unarranged overdrafts are ones which haven't been agreed with us in advance. If you have an unarranged overdraft, you'll owe us interest like you would on any borrowing. The fees and interest that apply to your account are set out in the "overdraft" section on our website here ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇ and in your Fee Information Document. Please see the "Our fees and charges" section for details of how to find this. We can ask you to repay your overdraft in full or in part at any time. This is the case whether you have an arranged overdraft or an unarranged overdraft. This may not apply if we have agreed something different with you. We don't have to tell you in advance if we ask you to repay us, but we'll usually try to give you 30 days' notice if possible. When we can refuse or delay a payment We'll always try our best to make a payment when you ask us to, but sometimes we might not be able to. As long as we're acting reasonably, we can refuse or delay to make a payment for any of the following reasons: • we don't believe the instruction comes from you or from a third party with permission to act on your behalf, • you haven't met the conditions for making a payment in these terms and conditions, • you haven't given us any extra identity information required or information on the payment we have asked you for, • your instructions are unclear, or they appear to be wrong, • you don't have enough money in your account or your arranged overdraft to make the payment, • we think there's a high risk you won't be able to repay us the money you are borrowing, • you've asked us to make a type of payment that the other person's account provider doesn't accept, • the payment would take you over any maximum payment limits, or any limits we set to protect you and us against fraud or manage our risk, • we reasonably believe the payment you want us to make is a duplicate payment, • we believe your account is being misused, • we believe your account is being used for illegal, unlawful or fraudulent purposes, • making your payment would mean we could break a law, regulation, code, court order or contract that we need to comply with, • making your payment might expose us to legal action or censure by any government, regulator or law enforcement agency, • we are ordered to do so by a court, • you've broken this agreement in a serious way, • we learn that a bankruptcy or winding up petition has been issued against you, or • we will charge learn that you have been declared bankrupt or a feeliquidator, administrator or administrative receiver has been appointed We won't be responsible for any losses you suffer if we've acted reasonably and there are delays or we have refused your payment, for any of the reasons above. We might refuse to make a payment if there isn't enough money in your account. When we're working out if you have enough money in your account, we can look at: • whether we pay the Item you have an arranged overdraft or dishonor it. You agree immediately upon notice from not, • how much money is left to spend on your arranged overdraft, • any instructions you've given us to deposit funds sufficient make a payment which we've not made yet, • any card payments you've recently made which haven't come out of your account yet, • any regular payments which are due to cover the overdraft plus applicable charges. In connection with overdraftscome out of your account, our determination of the Deposit Account balance may be made at any time between presentment such as Direct Debits and our predetermined deadlinestanding orders, and need only • any interest and charges which are due. If you ask us to make a payment and there isn't enough money in your account or your arranged overdraft (if you have one), we won't always be made one able to refuse it in time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categoriescan't refuse it, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End payment will be made out of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themunarranged overdraft.

Overdrafts. If any Item there are insufficient funds available in your account created by check, in-person withdrawal, ATM withdrawal, or other debit presented to us will overdraw the available account balanceelectric means, including any balance in it may be returned unpaid. However, we may, at our sole discretion, create an overdraft protection account by paying the check or item or by permitting the transaction. In either case, there will be a fee for each item or transaction as follows: - $25 will be charged for Uncollected/Insufficient Funds check/ACH. This fee will be shown as “NSF PAID ITEM(S) CHARGE” on your bank statement, or - $35 will be charged for the combination of Uncollected/Insufficient Funds check/ACH Charge ("ODP Account"$25) we have established for youand Bounce Check/ACH Charge ($10). This fee will be shown as “NSF RETURNED ITEM(S) CHARGE” on your bank statement. - Fees are charged per instance, we will charge meaning that you can be charged multiple fees in a fee, whether we pay the Item or dishonor itsingle day. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of any overdraft immediately, without notice or demand from us. Each account holder or signer is jointly and severally responsible for paying any overdraft amounts created by any authorized signer(s) or party to the dishonored deposited fundsaccount, and you regardless of whether an account holder signed the check or received any benefit from the check. You, therefore, authorize us to debit apply any subsequent deposit to the account with us of which you are an owner, without prior notice and at any time, for against the amount of the returned item any overdraft and resulting fees or other deposit. You also authorize us charges, including any federal or state benefit payments that you choose to debit your deposit in any account for the amount (including direct deposit of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe usSocial Security). We are not responsible for any transactions, including any transactions sent through obligated to continue paying items which create an overdraft even if we have done so in the mail, until we actually receive past and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may refuse to do so in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in future without any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits An ATM withdrawal or Debit Card transaction that would create an overdraft in your account will not be permitted and holds throughout the daytransaction will be declined. Regardless of when during the day we receive A nonsufficient fund fee will not be applied for an overdraft granted for ATM and Debit card transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card due to pay for a purchase at situation where a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themsystem failure occurs.

Overdrafts. If any Item When you transmit a transfer or other debit presented payment request to us will overdraw the available account balanceus, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit charge your account for the amount of our returned item feeindicated. If your account does not have sufficient available funds, any interest paid on we may reject the deposit, and any other fee we pay or loss we incurtransaction. We may also use charge a fee for each payment or transfer request presented against an account with non-sufficient funds. . For details on the Bank’s Overdraft Protection program and to understand your rights and obligations related to Overdraft Protection, please see the Overdraft Protection and Non-Sufficient Funds section. Our allowance of any overdraft will not obligate us to honor future overdrafts at a later time and we may refuse to do so without cause or prior notice. See the Funds Availability policy discussion for information about when you can withdraw funds you deposit. The Bank may transfer funds between your accounts and take other legal remedy to recover action on the amount you owe us. We are not responsible for oral or written instructions of any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to authorized signer on your account. We are not liable The Bank may require written authorization for some actions. The Bank only offers accounts which require one signature for a withdrawal. Even if you indicate on your checks or signature card or other account documents that more than one signature is required for withdrawal, you authorize the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions Bank to pay out funds from your account impacts your account balanceif the check, item, or other withdrawal instruction is signed or approved by any one of the persons authorized to sign on the account. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited Each of you (until we receive written notice to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited contrary) authorizes each other person signing the signature card to endorse any item payable to you or your order for deposit to the following: deposit holdsaccount or any other transaction with us. If the Bank decides not to pay a check or other item drawn on your account, debit card authorizations, the Bank may return the original or a copy of the item or send an electronic notice of return and holds related to cash withdrawals and keep either the original or a copy of the item in the Bank’s records. If the Bank sends an electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same daynotice of return, you agree that we any person who receives that electronic notice may in our discretion determine our posting orders for use it to make a claim against you to the transactions same extent and that we with the same effect as if the Bank had returned the original item. In some cases, the Bank may creditreceive an indemnified copy of your original check, authorizean image replacement document (“IRD”), accepta substitute check, payor an image of your check, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end instead of the business dayoriginal item. The Bank may act upon presentment of an IRD, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a categoryindemnified copy, using the posting order substitute check, or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in image of your account at the beginning of the business day, subtract holds from your balance, check and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make pay these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for items against your account, you agree that we may treat them just as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not original item had been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive thempresented.

Overdrafts. If any Item or other debit presented to us will overdraw the available account balanceWhen you schedule an electronic funds transfer using Online Banking, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit withdraw the necessary funds from your account with us of which you are an owner, without prior notice and at any time, for us. We deduct the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for funds transfer from your account on the same daydate we process your instruction. Each instruction to us to withdraw or transfer funds from your account is an order to us to make the payment from that account at that time or on a later date, if any, indicated in the instruction. We may charge payments you agree that instruct us to make to your account even though the charge creates an overdraft, or we may in our discretion determine our posting orders for refuse to make the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our optionpayments if the charge creates an overdraft. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for If you overdraw your account, you agree to immediately pay us the overdrawn amount, together with any applicable fees. If the account is maintained in connection with an overdraft credit plan, any overdraft will be made in accordance with the agreement or rules governing that account rather than this Agreement. Notifi Alerts Online banking alerts allow you to set up automated alert events based on your own criteria. Alerts may be sent via e-mail, text message or online message box within Online Banking, or all three options. Alerts will be sent to the e-mail address or phone number you provide in creating the alert. Data rates may apply to alerts sent via text message. • First Resource Bank may add or remove types of alerts from time to time. • If you change your e-mail address you are responsible for changing this in the alerts you have already set up. You agree that alerts may be delayed or prevented for a variety of reasons. • We do not guarantee the delivery or validity of the contents of any alert. • You agree that we shall not be liable for any delays, delivery failure or misdirected delivery of any alert. • You agree that we shall not be liable for any actions taken or not taken by you or anyone else in reliance of an alert. The bank will never include your password or full account number in an e-mail alert; however, you understand that alerts may treat them include your name and some information about your accounts. Address Changes It is your sole responsibility to ensure that the contact information in your user profile is current and accurate. This includes, but is not limited to, name, address, phone numbers and email addresses. You may notify us by: • Online banking change of address request through the secure email service. • In person – You will sign documentation stating your new information. • By mail – If you mail in a request, it must be signed and notarized. If there is any question about signature authentication, you will be notified and asked to stop in personally at one of our locations. • If we receive an address change notice from the U.S. Postal Service. It is at our discretion to us this address. Your Online Banking account activity will appear on the account statements we make available to you. We will make available to you an account statement each month in which an electronic fund transfer is made to or from your account. If there are no transfers in a particular month, you will receive your account statement at least quarterly. Notification should be made as soon as possible if we received all transactions at you think your statement or receipt is wrong or if you need more information about a transaction listed on the same time at statement or receipt. You must contact First Resource Bank no later than 60 days after it sent you the end first statement on which the problem or error appears. You must be prepared to provide the following information: • Your name and account number. • A description of the error or the transaction you are unsure about along with an explanation as to why you believe it is an error or why you need more information. • The dollar amount of the suspected error. We will determine whether an error occurred within ten (10) business daydays (twenty (20) business days for new accounts) after we hear from you and will correct any error promptly. During the dayIf we need more time, however, we show some transactions as processingmay take up to forty-five (45) days (ninety days for new accounts and foreign initiated or Point of Sale transfers) to investigate your complaint or question. As an exampleIf we decide to do this, we show some transactions as processing on will credit your account within ten (10) business days, (twenty (20) business days for new accounts) for the Account Details screen amount you think is in Online Banking. Please note error, so that transactions shown as processing you will have not been posted yet. The posting order for these transactions is determined at the end use of the day, with money during the other transactions time it takes to complete our investigation. If we receive for that day. You should note that often ask you to put your complaint or question in writing and we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transactionit within ten (10) business days, we usually may not credit your account. The extended time periods for new accounts apply to all electronic fund transfers that occur within the first thirty (3) days after the first deposit to the account is made, including those for foreign initiated or Point of Sale transactions. We will tell you the results within three (3) business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may request copies of the documents that were used in the investigation. You agree that First Resource Bank may respond to you by e-mail with regard to any claim of unauthorized electronic fund transfer related to Online Banking. Any such e-mail sent to you by First Resource Bank shall be considered received within three (3) Business Days of the date sent by First Resource Bank, regardless of whether or not you sign on to Online Banking within that time frame. First Resource Bank, agrees to make reasonable efforts to ensure full performance of Online Banking. First Resource Bank will be responsible for acting only on those instructions sent through Online Banking which are actually received, and cannot assume responsibility for circumstances over which the bank has no direct control. This includes but not limited to, the failure or malfunctions in communication facilities, which may affect the accuracy or timeliness of messages you send. First Resource Bank is not responsible for any losses should you give incorrect instructions, or if your payment instructions are not given sufficiently in advance to allow for timely payment or delays in mail service. Any information you receive an authorization request from First Resource Bank is believed to be reliable. However, it can only be provided on a best- efforts basis for your convenience and is not guaranteed. First Resource Bank is not liable for any deficiencies in the accuracy, completeness, availability, or timeliness of such information or for any investment or other decision made using this information. First Resource Bank is not responsible for any fees incurred for Internet access, or for any computer virus or related problems that may be attributable to services provided by any Internet access service provider. You are responsible for obtaining, installing, maintaining, and operating all computer hardware and software necessary for performing Online Banking. First Resource Bank will not be responsible for any errors or failures from the merchant malfunction or failure of your hardware or software. The limit of First Resource Bank liability shall be as expressly set forth herein. Under no circumstances will First Resource Bank be liable in contract, tort, or otherwise for any special, incidental, or consequential damages, whether or not foreseeable. By consenting to use Online Banking, you agree to waive any and all right to any of the same dayaforesaid, but and you acknowledge that the limit of your remedy is as otherwise expressly set forth herein. THE BANK’S RESPONSIBILITY We will be liable to you for damages proximately caused by our failure to make a properly requested electronic fund transfer, in accordance with the terms and conditions of this Agreement, in the correct amount or in a timely manner. Notwithstanding the foregoing, unless required by law, we might will not receive be liable to you if: • If you do not have adequate money to complete a transaction or if that account has been closed; • If you do not have an adequate credit limit in a credit account to complete a transaction from that account, or if that account has been frozen or closed; • Circumstances beyond our control (e.g., fire, flood, power outage, mail delivery delays, equipment or technical failure or breakdown) prevent the final debit card transaction for payment and posting until several days later. We generally post credits and debits to transfer or use of Internet service, despite reasonable precautions that we have taken • There is a hold on your account, or if access to your account is blocked in accordance with banking policy • Your funds are subject to legal process or other encumbrance restricting the transfer • Your transfer authorization terminates by operation of law • You believe someone has accessed your accounts without your permission and you fail to notify First Resource Bank immediately • You have not properly followed the scheduling instructions, included in this Agreement, to make a transfer or the Payee refuses Online Banking. • For the failure of any payee to correctly account for or credit the payment in a timely manner • We have received incomplete or inaccurate information from you or a third party involving the account or transfer. • For changes to the payee’s address or account number (unless you have advised us of the change within three (3) business days in advance). • We have a reasonable basis for believing that unauthorized use of your password or account has occurred or may be occurring, or if you default under this Agreement, the Deposit Account Agreement, a credit agreement, or any other agreement with us, or if we or you terminate this Agreement. • The error results from any malfunctions of your browser, Internet service provider, computer, computer virus or other problems relating to the computer equipment you use with Online Banking, including, without limitation, your inability to access Online Banking or any part of Online Banking. • The transfer service was not working properly and you knew about the breakdown when you started the transfer. There may be other exceptions stated in this agreement and in other agreements with you. In no event shall we be liable for damages in excess of your actual loss due to our failure to complete a transfer, and we will not be liable for any incidental or consequential damages. If any of the circumstances listed above shall occur, we shall assist you with reasonable efforts in taking appropriate corrective action to reprocess the transactions that may not have been completed or to correct incorrect transactions that have been processed. Unless otherwise required by law, our sole responsibility for an error directly caused by us in transferring funds will be to correct the error. In no case will we be liable for any indirect, special, incidental or consequential damages in connection with or in any way related to Internet service. Your Responsibility You are responsible for: • Actions that may be taken by anyone using Online Banking after signing in with your username and password. We are entitled to rely and act upon instructions received under your username and password. • Keeping your username and password confidential and for ensuring that you have signed off from Online Banking when your session is complete to prevent unauthorized persons from using Online Banking. You agree that you will be the only user of your username and password, that you will not transfer or disclose any of this information to any other person, and that you will be responsible for all usage of Online Banking and any fees associated with use of other services accessed through Online Banking on your Account whether or not authorized by you. You agree to immediately notify us and report them on any actual or suspected unauthorized use of your statementusername or password. You agree to provide true, in a different order than the order in accurate, current and complete information about yourself as requested and you agree to not misrepresent your identity. You will: • Not use Online Banking for any illegal purposes; • Comply with all regulations, policies and procedures of networks through which you conduct them access and use Online Banking; • Not use Online Banking for any activity or we receive themuse that may disrupt Online Banking or the networks through which you access or use Online Banking; and • Not access or attempt to access any Online Banking account for which you have no access authorization, or duplicate, modify, distribute or display any of the data or files from any such account.

Overdrafts. If You agree that you will not use your card, PIN, or any Item other EFT Service to withdraw or other debit presented transfer funds from your account in amounts exceeding the Available Balance in your account at the time of any such transfer. Subject to any Overdraft Transfer arrangements you have made with us will overdraw the available account balance, including or any balance in an overdraft protection account ("ODP Account") obligation we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final make payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may will be under no obligation to make a withdrawal, transfer, or payment if the Available Balance in our discretion determine our posting orders your account is insufficient to pay the transaction. The term “Available Balance” means funds that are not subject to a hold and are immediately available to pay presented transactions. Refer to the Overdrafts and Overdraft Transfers section of the Deposit Agreement for more information about the transactions and that Available Balance. If the Available Balance in your account is insufficient to cover one or more but not all checks, withdrawal orders, or electronic fund transfers during any given business day, we may credithonor those items, authorizeallow those withdrawals, accept, pay, decline or return credits, debits and holds make any such electronic fund transfers in any order that we choose in our sole discretion, including first honoring any such checks, orders, or transfers payable to us, and dishonoring or refusing any item, order, or transfer for which there is an insufficient Available Balance thereafter. You also agree that, at our option. Posting Orders This section summarizes how , we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally may post all debit card transactions within a categoryduring any day before posting any other checks, using the posting order withdrawal orders, or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accountother electronic fund transfers presented or made. You agree that we may determine your use of the card or any PIN or EFT service shall be subject to the Overdrafts and Overdraft Transfer section of the Deposit Agreement and our separate Discretionary Overdraft Privilege Policy. If you qualify for the Enhanced Overdraft Privilege option and wish to have Overdraft Privilege extended to your ATM and everyday debit card transactions, you must complete a separate opt-in our discretion authorization. We will not consider paying any ATM or everyday debit card transactions with the categoriesOverdraft Privilege service unless you have separately opted in. Please contact the Credit Union for an opt-in form. Overdraft Privilege is not available for business accounts, the transactions within a categoryMoney Management, the order among categoriesMoney Market, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.Fresh Start Checking

Overdrafts. If any Item or other debit presented to us will overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.

Overdrafts. If any Item or other debit presented to us will overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established I wish Overdraft Protection I understand I must apply and be approved for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection Every account does not come with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one timeOverdraft Protection. If we pay Items or permit withdrawals which overdraw I have been approved for Overdraft Protection with my account, I can borrow up to the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored limit set by the issuing financial institution for any reason, you agree to pay us Credit Union (the amount of “Limit”). The Credit Union may change the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and 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 amount purposes of personal property security legislation 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 returned item advance, as well after as before maturity, default or other depositjudgment 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 also authorize us may transfer from any of my accounts including any joint account such funds as are necessary to debit your account for the amount of our returned item fee, pay any interest paid on the deposit, such overdraft. The Overdraft Protection rate and any other fee we pay overdraft rate, if different, is posted at the Credit Union and identified in statements or loss we incurpublications made available to me. We may also use any other legal remedy to recover the amount you owe usInterest accrues daily and is payable monthly. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited Any Overdraft Protection is subject to the following: teller deposits, direct deposits applicable lending policy on qualification and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themapproval.

Overdrafts. If any Item you do not have sufficient available funds on deposit in your account to cover the amount of a check or other debit transaction (e.g., in-person withdrawal, automatic payment, a wire transfer or other electronic transaction) at the time the transaction is presented for payment, we may, subject to any separate enrollment by you in our Overdraft Protection, return the check or reject the transaction without payment. If we opt to return the check without payment, a return item fee or other fees may apply. We may elect, however, in our sole discretion to create an overdraft by paying the check or permitting the transaction. We have no liability to you for rejecting some checks or other charges and paying others or otherwise processing a transaction when your account is overdrawn, even if the check or other charge that we choose to pay is payable to us will overdraw the available or your account balance, including is overdrawn due to Bank fees or charges. Subject to any balance separate enrollment by you in an overdraft protection account ("ODP Account") we have established for youour Overdraft Protection, we will may charge you a feefee for each check or other charge that overdraws your account, whether we pay the Item check or dishonor itother charge or return it unpaid. You agree immediately upon notice These transactions may include processed or rejected ATM or debit card withdrawals and transfers, electronic fund transfers, debits due to point-of-sale purchases, telephone transfers, automatic transfers, pre-authorized debits or debits from wire transfer instructions or any other types of withdrawal, transfer or payment transaction presented to us to when your account has insufficient available funds. Note: If you make a deposit funds sufficient to cover on the same day that an item, service charge or transaction creates an overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items (a “temporary or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly“intra- day overdraft”), we may charge the fee for the overdraft since the covering deposit may not be posted until the end of the Business Day. In some cases (e.g., deposits received after our processing cut-off time), the deposit may not be deemed received until the next Business Day. The provision of account withdrawal or transfer services is not an extension of credit or a commitment to extend credit to you. If the available balance in the account is less than the sum of all requested disbursements on any Business Day, we reserve the right, subject to any separate enrollment by you in our Overdraft Protection, not to overdraw the applicable account. While we may make efforts to apply available funds to individual checks or other charges, we do so at our discretion without any obligation to continue to not warrant the order in which we may do so. Our Receipt of Deposits In receiving depositsNeither do we warrant that we will apply all available funds in such a situation. If you have authorized an ACH file containing individual payment orders and the applicable account has insufficient funds, we act only as your collecting agent and assume no responsibility beyond reserve the exercise of ordinary careright to reject the entire file. All deposits are posted Subject to your designated deposit account conditionallyany separate enrollment by you in our Overdraft Protection, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to we permit an overdraft or otherwise allow your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer balance to your account is dishonored by the issuing financial institution for any reasondrop below zero, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owneroverdraft promptly, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe demand from us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine use funds in another account of yours or subsequent deposits and other credits to the account, to cover any overdraft existing in your account, to the fullest extent permitted by law. Each account owner is responsible for paying any overdrafts created by any Contracting Officer, Authorized Signer or other signer or party to the account, whether or not the owner participates in the transaction or benefits from its proceeds. Subject to any separate enrollment by you in our discretion the categoriesOverdraft Protection, the transactions within our payment of any check or allowance of any transaction that creates overdrafts in no way obligates us to continue that practice at a category, the order among categories, and the posting orders within a categorylater time. We sometimes add may discontinue permitting overdrafts without cause or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End We discourage the practice of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themoverdrawing accounts.

Overdrafts. An overdraft is a type of borrowing. If any Item you're in your overdraft, it means you've spent more money than you have in your account. Overdrafts are designed for short-term borrowing, not long-term borrowing. Please be careful before making a payment that takes you into your overdraft. If you try to borrow more than your agreed overdraft limit, or other debit presented to us will overdraw the available account balance, including any balance in without agreeing an overdraft protection limit with us in advance, your payment may not go through. We expect you to keep enough money in your account ("ODP Account") to make your payments. The exception is if we agree an 'arranged overdraft' with you. An arranged overdraft is one that we agree with you in advance. If you have an arranged overdraft, you can spend money up to the limit we have established agreed with you. If we give you an arranged overdraft, we'll send you an overdraft letter explaining the extra terms and conditions that apply. Your overdraft letter will tell you things like how much interest you need to pay and when we can ask you to repay us. If you have an arranged overdraft with us, you can ask us to cancel it or reduce it at any time. Usually, if you want to make a payment and there isn't enough money in your account, we'll refuse to make the payment. If we can't refuse to make the payment for youany reason, it may still come out of your account. If this happens, the payment will take you into an 'unarranged overdraft'. When you owe us fees or charges, we will charge can take these amounts automatically from your account. It is your responsibility to make sure you have enough money in your account to cover those fees and charges. If you don't, this might also take you into an 'unarranged overdraft'. Unarranged overdrafts are ones which haven't been agreed with us in advance. If you have an unarranged overdraft, you'll we us interest like you would on any borrowing. The fees and interest that apply to your account are set out in the "overdraft" section on our website here ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇.▇▇ and in your Fee Information Document. Please see the "Our fees and charges" section for details of how to find this. We can ask you to repay your overdraft in full or in part at any time. This is the case whether you have an arranged overdraft or an unarranged overdraft. We don't have to tell you in advance if we ask you to repay us, but we'll usually try to give you 30 days' notice if possible. When we can refuse or delay a feepayment We'll always try our best to make a payment when you ask us to, whether but sometimes we pay might not be able to. As long as we're acting reasonably, we can refuse or delay to make a payment for any of the Item following reasons: • we don't believe the instruction comes from you or dishonor it. You agree immediately upon notice from a third party with permission to act on your behalf, • you haven't met the conditions for making a payment in these terms and conditions; • you haven't given us any extra identity information required or information on the payment we have asked you for, • your instructions are unclear or they appear to be wrong, • you don't have enough money in your account or your arranged overdraft to make the payment, • we think there's a high risk you won't be able to repay us the money you are borrowing, • you've asked us to deposit funds sufficient make a type of payment that the other person's account provider doesn't accept, • the payment would take you over any maximum payment limits, or any limits we set to cover protect you and us against fraud or manage our risk, • we reasonably believe the overdraft plus applicable chargespayment you want us to make is a duplicate payment; • we believe your account is being misused; • we believe your account is being used for illegal, unlawful or fraudulent purposes, • making your payment would mean we could break a law, regulation, code, court order or contract that we need to comply with, • we are ordered to do so by a court, • making your payment might expose us to legal action or censure by any government, regulator or law enforcement agency, or • you've broken this agreement in a serious way. In connection with overdraftsWe won't be responsible for any losses you suffer if we've acted reasonably and there are delays or we have refused your payment, our determination for any of the Deposit Account balance may be reasons above. We might refuse to make a payment if there isn't enough money in your account. When we're working out if you have enough money in your account, we can look at: • whether you have an arranged overdraft or not, • how much money is left to spend on your arranged overdraft, • any instructions you've given us to make a payment which we've not made at yet, • any time between presentment card payments you've recently made which haven't come out of your account yet, • any regular payments which are due to come out of your account, such as Direct Debits and our predetermined deadlinestanding orders, and need only • any interest and charges which are due. If you ask us to make a payment and there isn't enough money in your account or your arranged overdraft (if you have one), we won't always be made one able to refuse it in time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categoriescan't refuse it, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End payment will be made out of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themunarranged overdraft.

Overdrafts. If We may pay or decline to pay any Item or item when it is presented if your available balance is less than the amount of that item plus all other debit items received but not yet paid. We look at your available balance only once when the item is presented to us will overdraw the to decide if you have enough funds available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we to pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one timeitem. If we pay Items or do permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reasonsuch a withdrawal, you agree to pay us the amount overdrawn amount, and all applicable fees, as soon as we give you notice of the dishonored deposited fundsoverdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts for the following types of transactions: ▪ checks and other transactions made using your checking account number; ▪ automated bill payments. We will not authorize and pay for the following types of transactions unless you authorize ask us to do so: ▪ ATM transactions; ▪ everyday debit any deposit account with us of which you are an owner, without prior notice and card transactions. You may choose to change your preference at any timetime by notifying us at a branch office, by calling our Contact Center at ▇-▇▇▇-▇▇▇-▇▇▇▇ or mailing a request to our Contact Center, ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the amount item, whether or not we pay the item. If we pay it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of the returned item or other deposit. You also authorize transaction even if you have asked us to debit do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account account, even if we do not honor it. Refer to your product information and Business Fee Schedule for the amount of our returned item fee, any interest paid on the deposit, information about what fees apply and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We how fees are not responsible calculated for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable may limit the number of Return Item and Insufficient Funds fees we charge for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing We may charge interest on the Account Details screen in Online Banking. Please note any amount you are overdrawn that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that dayyou haven’t repaid promptly. You should note may opt out of our standard overdraft practices and request that often we do not receive debits automatically pay items causing an overdraft by calling our Contact Center at ▇-▇▇▇-▇▇▇-▇▇▇▇ or by visiting any branch office. You may also request overdraft protection for your checking account if you want to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account. Forms of Account Ownership/Special Accounts‌ Ownership of your account is determined by the most current signature card. However, we are authorized (but not required) to rely on the same day account ownership information contained in our deposit system unless you notify us that you conduct them. As an example, when you use your debit the most current signature card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a deposit system contain different order than the order in which you conduct them or we receive theminformation.

Overdrafts. If any Item item or other debit presented to us will overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, when paid (not during authorization for a transaction), we will charge you a fee, whether we pay the Item item or dishonor itreturn it (except for debit-card and ATM transactions—they may be declined without a fee). You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, deadline and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Please note that merchants may attempt to get paid a second or third time if their initial ACH or check transaction is returned unpaid. We treat these second and third attempts as separate Items or transactions and will assess a fee each time we return one unpaid or pay one that results in an overdraft. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balancebalance and may affect the total number of overdraft or returned item fees you incur. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, category before we post any transactions assigned to the next category. Overdraft and returned item fees are assessed during the nightly posting process so the order in which we post transactions will affect the total number of overdraft of returned item fees incurred. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.

Overdrafts. If An overdraft is created when you have insufficient funds in your Account to cover a check, withdrawal, automatic transfer, electronic transaction (e.g., ATM or point-of-sale purchase), returned deposited item, or any other electronic purchase, payment, or debit. When we receive a check or process an Automatic Clearing House (“ACH”) payment request to debit your Account, and your account has a non-sufficient available balance to pay the check or payment request, we may charge you Paid Item Fees and/or Returned Item Fees (as such terms are defined, respectively, in the Service Fees section of the Accounts Disclosure) each time that check or other debit payment request attempts to clear your Account. When your check or payment request is returned for non-sufficient funds, your check or payment request may be presented and re-presented to us your Account for payment multiple times, and each time that your Account has a non-sufficient available balance to pay the check or payment request, we may charge you a Paid Item Fees and/or Returned Item Fees. This means you may be charged multiple Returned Item Fees (or Returned Item Fees and then a Paid Item Fee, if paid into overdraft) for the same check or ACH payment request that are re-presented for payment when your Account has a non-sufficient available balance. We will process debit and credit ACH transactions throughout the day, in the order they are received in our processing center. Therefore, if an Account withdrawal or debit transaction is processed in the morning and it exceeds your available balance at that time, you may be charged Paid Item Fees and/or Returned Item Fees, even if a deposit or credit transaction occurring later that day raises your available balance above $0.00. We may receive multiple credit or debit transactions on your Accounts in many different forms throughout each day. The best way to know your Available Balance and avoid paying Paid Item Fees and/or Returned Item Fees is to record and track all your transactions closely. Courtesy Coverage Courtesy Coverage is a service that the Bank may, but is not required to, use to pay checks and other withdrawal requests that would otherwise overdraw the available account balance, including your checking Account (or would exceed any balance in an overdraft protection account ("ODP Account") we Overdraft Protection or Reserve Credit Overdraft Line of Credit that you have established for youthe Account). Typically, we the Bank limits Courtesy Coverage on consumer checking Accounts to $800.00 and offers the service only after: (1) an Account has been open for thirty days, and (2) has had at least $400.00 in deposits made to the Account, and (3) has incurred no overdrafts. There is no guarantee that the bank will charge you a feealways authorize and pay your transactions and items. The Bank retains the discretion to decline payment of items or transactions that will overdraw your Account, whether we pay the Item or dishonor it. You agree immediately upon notice and may remove Courtesy Coverage from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit your Account balance may be made at any time between presentment and our predetermined deadlinewithout notice to you. By federal law, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance banks are required to separate transactions into two categories when applying Courtesy Coverage: (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, 1) one-time debit card transactions and ATM withdrawals, and (2) checks, ACH, recurring debit card transactions, and feesall other types of transfers and withdrawals. One-time debit card transactions and ATM withdrawals These types of transactions are not automatically covered by the Courtesy Coverage service. You will be required to “Opt In” if you want the Bank to consider paying these types of transactions. If you “Opt-In” for these transactions, a fee will apply if the transaction is paid (Paid Item Fee) using Courtesy Coverage. The specific fees are disclosed in the Service Fees section of the Accounts Disclosure. If you do not “Opt-In”, the Bank will automatically decline or reject any of these transactions that would overdraw your Account. To “Opt-In”, or subsequently “Opt-Out” of Courtesy Coverage for ATM withdrawals and one-time debit card transactions, you may notify the Bank by calling us at ▇▇▇-▇▇▇-▇▇▇▇, visiting an office or our website, ▇▇▇.▇▇▇▇▇▇.▇▇▇. You may revoke your Opt-In or Opt-Out at any time by notifying the Bank through the same channels listed above. Your decision to Opt-In or Opt- Out of Courtesy Coverage will be effective the next business day after we receive your notice, and will apply to all transactions initiated after we have affected such notice. Checks, ACH, recurring debit card transactions, and all other types of transfers and withdrawals These types of transactions are automatically included in the standard Courtesy Coverage service. If you wish to Opt-Out of Courtesy Coverage for these specific types of transactions you must notify the Bank. If you Opt-Out, all of your checks, ACH, recurring debit card transactions and all other transfers and withdrawals will generally be returned unpaid or declined. However, recurring debit card transactions that are authorized when funds are available in your Account but post at a later date when funds are no longer available, may overdraw your Account and these items will be subject to Paid Item Fees even if you are Opted Out of the Courtesy Coverage service. The Paid Item fee for Insufficient/Unavailable Funds will apply when the checks or transactions are paid and the Returned Item Fee will apply for checks or transactions that are returned. The specific fees are 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 use automated systems have no obligation to process transactions and then to post transactions to accounts. When notify you if we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accepthonor, pay, return or decline an item or transaction for a non-sufficient available balance. To Opt-Out of Courtesy Coverage for check, ACH, recurring debit card transactions, and all other items, you may notify the Bank by calling us at If you have multiple overdrafts on any given day, we may honor any one or more and return credits, debits and holds the others in any order at our optionorder. Posting Orders This section summarizes how we generally post some common Multiple Paid Item or Returned Item fees can be charged against your Account per day on these occasions. The Paid Item and/or Return Item fees for all transactions shall be limited to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include no more than one transaction typesix (6) per day. After In addition, if any individual item is $3.00 or less, or any individual item overdraws your Account by $5.00 or less, you will not be charged a fee. The specific fees are disclosed in the end Service Fees section of the business dayAccounts Disclosure and are subject to change from time to time. You are in the best position to ensure that your Account has sufficient funds to cover any check or other debit by maintaining an accurate and current record of your deposits and withdrawals. You have the ability to confirm your current and available Account balances through any Bank Rhode Island ATM, our automated systems assign each transaction received for that day Telephone Banking, Online Banking, by contacting any office or by calling us at ▇▇▇-▇▇▇-▇▇▇▇ prior to writing a categorycheck, withdrawing cash, or initiating any electronic or debit transaction. We generally post all transactions within a category, using the posting order Current and available balances do not include outstanding checks or orders that apply to that category, before we post any transactions assigned debits not yet submitted to the next categoryBank. We start with Payment of an overdraft creates a debt owed to the balance in your account at Bank. The amount owed includes applicable fees and the beginning amount of the business dayitem(s) paid. The Bank is not responsible for notifying you prior to incurring a Paid Item or Return Item Fee due to Insufficient/Unavailable Funds. Once you are notified that your Account is overdrawn, subtract holds from your balance, you will be required to repay the Bank or to deposit sufficient funds to cover the overdraft and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accountall related fees. You agree and acknowledge that the Paid Item Fee and the Returned Item Fee are designed to compensate the Bank for its costs in processing overdraft items and to compensate the Bank for its risk in electing, at its discretion, to pay certain overdrafts. You further agree that Paid Item and Returned Item fees do not constitute a penalty. If you fail to reimburse the Bank for the overdraft and related fees, we may determine will be entitled to recover our expenses in our discretion collecting the categoriesoverdraft and fees; and any related charges including, without limitation, attorney’s fees and legal costs. The payment of one or more overdrafts does not obligate the transactions within a category, the order among categoriesBank to honor or pay future overdrafts, and you should not rely upon the posting orders within Bank to honor or pay any overdraft. As to any Account with multiple owners, each owner agrees that they are jointly and severally liable for any overdraft paid by the Bank and subsequent Paid Item and Return Item fees. Each owner also agrees that the Bank may debit funds from any other Account held by such owners to repay the overdraft and any related fees. Overdraft Protection Overdraft Protection is a category. We sometimes add service that automatically transfers funds to a qualifying deposit Account to cover an overdraft by one or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end more of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end following methods: (i) transfer of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for funds from a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.designated Overdraft Line of Credit Account;

Overdrafts. If any Item When a check or other debit item, including an electronic debit, is presented to us will overdraw the available account balancefor payment, including any balance and there are not enough funds in an overdraft protection account ("ODP Account") we have established for youyour Account to pay it, we will charge do one of two things. First, we may pay it. If the item is paid, then your Account will be overdrawn. If your Account becomes overdrawn, you a fee, whether we pay will be notified promptly and told how much money you have to deposit to cover the Item or dishonor itoverdraft. You agree immediately upon notice from to reimburse us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned overdraft and fee charged, if applicable, without delay. Second, we may return the item or other depositrefuse the debit without paying it. You also authorize us It is in our discretion whether to debit pay or to return the item. In either case, you will be charged an overdraft fee, which will be taken directly out of your account for the Account. The amount of our returned item fee, any interest paid on the deposit, overdraft fee is listed in your Health Savings Account Fee and Interest Schedule. Automated Clearing House (“ACH”) Rules. All ACH credits and debits received for your Account are subject to the rules of the National Automated Clearing House Association and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accountapplicable ACH rules. You agree to be bound by the ACH rules. Any credit that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day give you for an ACH credit is provisional until we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business dayfinal payment. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often If we do not receive debits final payment, we may charge your Account for the amount or otherwise obtain a refund from you, and the party making payment to you will not be deemed to have paid you the amount of the entry. Except as reported in your periodic Account statements, we will not notify you of the receipt of ACH transactions for your Account. HSA Bank does not originate outbound international (cross border) ACHs. You agree to indemnify and hold us and ▇▇▇▇▇▇▇ Bank, N.A. harmless from and against all claims, demands, liabilities and expenses (including reasonable attorneys’ fees and costs) resulting from any error on your part, or any failure on your part to exercise reasonable care, in the same day that provision, transmission, or processing of data provided to us or ▇▇▇▇▇▇▇ Bank, N.A. thereunder or in complying with any ACHA rules or in our or ▇▇▇▇▇▇▇ Bank, N.A.’s relying on your request and instruction or complying with obligations under the Electronic Fund Transfer Act, the Office of Foreign Assets Control (“OFAC”), UCC Article 4A, or other applicable law. Manual Withdrawal Request: If you conduct them. As an examplewant to manually withdraw money from your Account, when you use your debit card to pay for a purchase at a merchant must fill out and sign a withdrawal form. Please contact us for specific instructions on how to obtain the transaction, we usually receive an authorization request from manual withdrawal form. The amount of the merchant the same day, but we might not receive the final debit card transaction for payment manual withdrawal fee is listed in your Health Savings Account Fee and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themInterest Schedule.

Overdrafts. If An overdraft is created when you have insufficient funds in your Account to pay a check, withdrawal, automatic transfer, electronic transaction (e.g., ATM or point-of-sale purchase), returned deposited Item, or any Item other electronic purchase, payment, or debit. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. We may pay all, some, or none of your overdrafts without notice to you. You are in the best position to ensure that your Account has sufficient funds to pay any check or other debit by maintaining an accurate and current record of your deposits and withdrawals. You have the ability to update your current and available Account balances through any PCSB Bank ATM, Telephone Banking, Online Banking, by contacting any office or by calling us at ▇▇▇- ▇▇▇-▇▇▇▇ prior to writing a check, withdrawing cash, or initiating any electronic or debit transaction. Current and available balances do not include outstanding checks or debits not yet submitted to the Bank. Payment of an overdraft creates a debt owed to the Bank. The amount owed includes applicable fees and the amount of the Item(s) paid. When we receive a check or process an ACH payment request to debit your Account, and your account has a non-sufficient available balance to pay the check or payment request, we may charge you Paid Item Fees (as such term is defined in the Service Fees section of the Accounts Disclosure) when that check or payment request attempts to clear your Account. When your check or payment request is returned for non-sufficient funds, your check or payment request may be presented and re-presented to us your Account for payment multiple times. You will overdraw the available account balance, including not be charged a fee for any balance in Insufficient Funds Item that we return. You will be charged a Paid Item Charge if we pay an overdraft protection account ("ODP Account") we Insufficient Funds Item. If you have established for youmultiple overdrafts on any given day, we may honor any one or more overdrafts and return the others in any order. Multiple Paid Item fees can be charged against your Account per day on these occasions. The Paid Item fees for all transactions shall be limited to no more than five (5) per day. In addition, if any individual Item is $50.00 or less, or any individual Item overdraws your Account by $50.00 or less, you will charge you not be charged a fee. The specific fees are disclosed in the Service Fees section of the Accounts Disclosure and are subject to change from time to time. The Bank is not responsible for notifying you prior to incurring a Paid Item Fee due to Insufficient/Unavailable Funds. Once you are notified that your Account is overdrawn, whether we pay you will be required to repay the Item Bank or dishonor it. You agree immediately upon notice from us to deposit sufficient funds sufficient to cover the overdraft plus applicable chargesand all related fees. In connection with You agree and acknowledge that the Paid Item Fee is designed to compensate the Bank for its costs in processing overdraft Items and to compensate the Bank for its risk in electing, at its discretion, to pay certain overdrafts. You further agree that Paid Item Fees do not constitute a penalty. If you fail to reimburse the Bank for the overdraft and related fees, we will be entitled to recover our expenses in collecting the overdraft and fees, and any related charges including, without limitation, attorney fees and legal costs. The payment of one or more overdrafts does not obligate the Bank to honor or pay future overdrafts, our determination and you should not rely upon the Bank to honor or pay any overdraft. As to any Account with multiple owners, each owner agrees that they are jointly and severally liable for any overdraft paid by the Bank and subsequent Paid Item Fees. Each owner also agrees that the Bank may debit funds from any other Account held by such owners to repay the overdraft and any related fees. Overdraft Privilege is a service that the Bank may, but is not required to, use to pay checks and other withdrawal requests that would otherwise overdraw your checking Account (or would exceed any Overdraft Protection or Overdraft Line of Credit that you have established for the Deposit Account). Typically, the Bank limits Overdraft Privilege on consumer checking Accounts to $600.00 and offers the service on certain account types only after: (1) an Account balance has been open for thirty (30) days; and (2) has had at least $400.00 in deposits made to the Account; and (3) has incurred no prior overdrafts. The Bank retains the discretion to decline payment of Items or transactions that will overdraw your Account, and may be made remove Overdraft Privilege from your Account at any time between presentment and our predetermined deadlinewithout notice to you. By federal law, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance banks are required to separate transactions into two categories when applying Overdraft Privilege: (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, 1) one-time debit card transactions and ATM withdrawals, and (2) checks, ACH, recurring debit card transactions, and feesall other types of transfers and withdrawals. These types of transactions are not automatically covered by the Overdraft Privilege service. You will be required to “Opt-In” if you want the Bank to consider paying these types of transactions. If you “Opt-In” for these transactions, a fee will apply if the transaction is paid (Paid Item Fee) using Overdraft Privilege. The specific fees are disclosed in the Service Fees section of the Accounts Disclosure. If you do not “Opt-In,” the Bank will automatically decline or reject any of these transactions that would overdraw your Account. To “Opt-In,” or subsequently “Opt-Out” of Overdraft Privilege for ATM withdrawals and one-time debit card transactions, you may notify the Bank by calling us at ▇▇▇-▇▇▇-▇▇▇▇, visiting an office, or visiting our website at ▇▇▇.▇▇▇▇.▇▇▇. You may revoke your Opt-In or Opt-Out at any time by notifying the Bank through the same channels listed above. Your decision to Opt-In or Opt-Out of Overdraft Privilege will be effective the next business day after we receive your notice, and will apply to all transactions initiated after we have affected such notice. These types of transactions are automatically included in the standard Overdraft Privilege service. If you wish to Opt-Out of Overdraft Privilege for these specific types of transactions, you must notify the Bank. If you Opt-Out, all of your checks, ACH, recurring debit card transactions and all other transfers and withdrawals will generally be returned unpaid or declined. However, recurring debit card transactions that are authorized when funds are available in your Account but post at a later date when funds are no longer available may overdraw your Account and these Items will be subject to Paid Item Fees even if you are Opted Out of the Overdraft Privilege service. The Paid Item Fee for Insufficient/Unavailable Funds will apply when the checks or transactions are paid. This specific fee is disclosed in the Service Fees section of the Accounts Disclosure. You will not be charged more than one Overdraft Fee (Paid Item 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 Item and had previously charged a Returned Item Fee for the Item. We use automated systems have no obligation to process transactions and then to post transactions to accounts. When notify you if we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accepthonor, pay, return or decline an Item or return creditstransaction for a non-sufficient available balance. To Opt-Out of Overdraft Privilege for check, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holdsACH, creditsrecurring debit card transactions, and debitsall other Items, you may notify the Bank by calling us at ▇▇▇-▇▇▇-▇▇▇▇ or visiting our nearest office. Most categories include more than one transaction typeYou may revoke this decision at any time. After Your decision to Opt-Out or Opt-In to Overdraft Privilege will be effective the end of the next business dayday after we receive your notice, our automated systems assign each transaction received for that day and will apply to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before initiated after we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themaffected such notice.

Overdrafts. Funds to cover your Card transactions will be deducted directly from your personal or business Share Draft (Checking) Account. If any Item there are insufficient funds available in your personal or other debit presented business Share Draft Account to us will overdraw cover the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for youtransaction amount, we will charge you a feetransfer funds from your Share (Savings) Account, whether we pay provided you’ve authorized this service and agreed to the Item or dishonor itOverdraft Protection Transfer Fee that will be assessed. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination Please see current Schedule of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, Fees & Charges for the amount of the returned item fee. Otherwise, the transaction will be declined, unless you have an Overdraft Line of Credit or other depositVISA Credit Card. You also authorize us See below for related information. If you have been approved for an Overdraft Line of Credit, or VISA Credit Card, you may elect to debit have all overdrafts automatically covered by funds transferred from the Line of Credit or VISA Credit Card. The terms of your account Line of Credit or VISA Credit Card will apply. Currently, there is no fee assessed for this service. If there are insufficient funds available from your Line of Credit or VISA Credit Card, the amount of our returned item fee, any interest paid on the deposittransaction will be declined. If sufficient funds are not available to pay a pre-authorized VISA Check Card transaction, and any other fee we pay you do not have a Share Account, Overdraft Line of Credit, or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactionsVISA Credit Card agreement, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizationswill be force-paid (as required by VISA rules), and holds related you will be required to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on pay the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the deficient balance in your account at the beginning of the business daya timely manner. Failure to do so, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine will result in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to FRONTWAVE taking collection action against you. Posting Orders Determined at End Courtesy Pay is another type of Day We receive creditsoverdraft protection (with pre-approved limits), debits and holds throughout the daythat qualifying members can receive. Regardless of when during the day we receive transactions It is not a loan. Courtesy Pay will pay checks presented for payment against your account, you agree that we may treat them as even if we received all transactions at those checks cause your account to become overdrawn. Your account will be assessed a Courtesy Pay fee (See current Schedule of Fees and Charges) each time your account is overdrawn, if the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen transaction results in Online Banking. Please note that transactions shown as processing have not been posted yeta negative balance greater than $20. The posting order for these transactions maximum number of fees charged in a day is determined at the end of the day, with the other transactions we receive for that dayfive (5). You should note that often we do will be sent notification whenever Courtesy Pay is activated. You must repay the outstanding negative balance within 30 days, to avoid termination of Courtesy Pay services, or collection action. Courtesy Pay is not receive debits available on the same day that Business Accounts. Courtesy Pay is also available for Debit and/or ATM Card transactions, however you conduct them. As an example, when you use your debit card must provide written authorization (Opt In) to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them have Courtesy Pay overdraft services on your statement, in a different order than the order in which you conduct them Debit or we receive themATM Card transactions.

Overdrafts. If We will not be required to permit any Item or other debit presented to us will overdraw the withdrawal from your account if there are insufficient available funds in your account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one timewithdrawal. If we pay Items or do permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reasonsuch a withdrawal, you agree to pay us the amount overdrawn amount, and all applicable Return Deposit Item fees, as soon as we give you notice of the dishonored deposited fundsoverdraft. Under our standard overdraft practices, we may authorize and pay overdrafts for the following types of transactions: • Checks and other transactions made using your checking account number • Automated ▇▇▇▇ payments We will not authorize and pay for the following types of transactions unless you authorize ask us to debit any deposit account with us of which you are an owner, without prior notice and do so: • ATM transactions • Everyday Debit Card transactions You may choose to change your preference at any timetime by notifying us at a branch office, for by calling 1-800-EASTERN (327-8376), online at ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇ or through the amount mail. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of the returned transaction even if you have asked us to do so. Fees may be applied to each individual item or other depositthat overdraws your account, even if we do not honor it. You also authorize us to debit your account for the amount may opt out of our returned item fee, standard overdraft practices and request that we do not automatically pay items causing an overdraft by calling 1-800-EASTERN (327-8376) or by visiting any interest paid on the deposit, and any other fee we pay or loss we incurbranch office. We offer two forms of overdraft protection: a Cash Reserve Line of Credit or an Automatic Balance Protection. You may also use any other legal remedy apply for a Cash Reserve Line of Credit for an eligible Checking Account. If you have a Cash Reserve Line of Credit, we will automatically lend you, up to recover prescribed limits, the amount you owe usneed to cover checks or withdrawals that would overdraw your Checking Account. We are not responsible Information about applicable interest rates, terms and conditions, and applications for any transactionsa Cash Reserve Line of Credit is available at our branches. There is a fee associated with a Cash Reserve Line of Credit. You may also request Automatic Balance Protection for your Checking Account if you want to link either another of your checking or statement savings accounts to automatically transfer the amount needed, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited up to the following: teller depositsavailable balance in the linked account, direct deposits and credits we maketo cover checks or withdrawals that would overdraw your Checking Account. Holds include but are not limited to the following: deposit holds, debit card authorizationsThere is an associated fee for this service, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and feesby federal regulation there is a limit of six (6) transfers per statement period from a savings or money market account. We use automated systems in the processing of checks in order to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types handle a high volume of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account items at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits lowest possible cost to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accountyou. You agree that, to the extent that such systems are comparable to those used in general banking practice, their use will constitute ordinary care and we may determine in our discretion will not be liable to you for forgeries or alterations not detected by such systems. You also agree that the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add exercise of ordinary care will not include detecting forgeries or delete categories, change posting orders within categories and move transaction types among categoriesalterations that could not be detected by an ordinary person acting with reasonable care. You agree to use care in safeguarding unsigned checks on your account against theft or misuse. You agree to tell us immediately if any such checks are lost, missing, destroyed or otherwise unaccounted for. If your checks are signed with the use of any facsimile signature or other non-manual form of signature, you acknowledge that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End the use of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions such signature is solely for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that daybenefit and convenience. You should note that often we accept sole responsibility for maintaining security over any device for affixing such signature. Such signature will be effective as your signature regardless of whether the person affixing the signature was authorized to do not receive debits on the same day that you conduct themso. As You agree to indemnify and hold us harmless from all losses resulting from us honoring an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, item in a different order than the order any instance in which you conduct them the item bears or we receive thempurports to bear a facsimile signature resembling the signature of an authorized signer on file with us, regardless by whom or by what means the actual or purported signature was affixed to the item.

Overdrafts. If We may pay or decline to pay any Item or item when it is presented if your available balance is less than the amount of that item plus all other debit items received but not yet paid. We look at your available balance only once when the item is presented to us will overdraw the to decide if you have enough funds available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we to pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one timeitem. If we pay Items or do permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reasonsuch a withdrawal, you agree to pay us the amount overdrawn amount, and all applicable fees, as soon as we give you notice of the dishonored deposited fundsoverdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts for the following types of transactions: ▪ checks and other transactions made using your checking account number; ▪ automated bill payments. We will not authorize and pay for the following types of transactions unless you authorize ask us to do so: ▪ ATM transactions; ▪ everyday debit any deposit account with us of which you are an owner, without prior notice and card transactions. You may choose to change your preference at any timetime by notifying us at any branch office, by calling our Contact Center at ▇-▇▇▇-▇▇▇-▇▇▇▇ or mailing a request to our Contact Center, ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the amount item, whether or not we pay the item. If we pay it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of the returned item or other deposit. You also authorize transaction even if you have asked us to debit do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account account, even if we do not honor it. Refer to your product information and Personal Fee Schedule for the amount of our returned item fee, any interest paid on the deposit, information about what fees apply and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We how fees are not responsible calculated for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable may limit the number of Return Item and Insufficient Funds fees we charge for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note You may opt out of our standard overdraft practices and request that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits automatically pay items causing an overdraft by calling our Contact Center at ▇-▇▇▇-▇▇▇-▇▇▇▇ or by visiting any branch office. You may also request overdraft protection for your checking account if you want to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account. Ownership of your account is determined by the most current signature card. However, we are authorized (but not required) to rely on the same day account ownership information contained in our deposit system unless you notify us that you conduct them. As an example, when you use your debit the most current signature card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a deposit system contain different order than the order in which you conduct them or we receive theminformation.

Overdrafts. If any Item or other debit presented It is important to us will overdraw understand that your Eligible Transaction Account has two kinds of balances: the available account balance, including any balance in an overdraft protection account ("ODP Account") we Current Balance and the Available Balance. The Current Balance is calculated after all transactions have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if after the item end of the Business Day. The Available Balance is payable in U.S. dollars, subject to our receipt the amount of final paymentfunds available for withdrawal or use at that moment. If final payment is The Available Balance includes pending transactions that have been authorized but may not received on any item you deposited have been posted to your account yet, such as Zelle transactions, debit card and ATM transactions or that we cashed for youpending deposits. It does not include items such as scheduled “▇▇▇▇ Pay” transactions, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited fundsdeposits with holds placed on them, and checks that you authorize us have written but that have not yet cleared your account. It is your responsibility to debit any deposit account with us keep track of which payments that you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We have authorized but are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction yet pending or posted to your account. We When using the Services to initiate a Payment Instruction, the transaction is authorized based on the type of Services selected (the Zelle Service or Other Services) and your Available Balance. The Bank may not authorize a Payment Instruction from your Eligible Transaction Account unless you have sufficient funds available in such account. If we process a Payment Instruction in accordance with your instructions that overdraws your Eligible Transaction Account with us, we may assess a fee or charge interest for any such overdraft in accordance with the terms of the applicable Other Agreements. Please note that you should not consider a transaction authorization as a guarantee that there will be sufficient funds in your Eligible Transaction Account to cover the transaction when it posts. Although a transaction has been authorized, it may still might result in an overdraft if other transactions are not liable processed before it. On the day a Payment Instruction from your Eligible Transaction Account posts, if the amount of such Payment Instruction exceeds the Current Balance in your Eligible Transaction Account, your account will be overdrawn and you will be responsible for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account negative balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same dayTo avoid overdrafts, you agree should ensure that we may the Current Balance in our discretion determine our posting orders for your Eligible Transaction Account is sufficient to cover all transactions at the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally time they post some common transactions to your account. We group If we allow your Payment Instruction to be paid when you do not have sufficient funds in your Eligible Transaction Account, it may cause an overdraft, in which case you shall be liable for the different types overdraft and any overdraft fees and interest thereon as set forth in the applicable Other Agreements. To limit overdrafts and the expenses associated with this possibility, you may enroll in one of transactions into categoriesour overdraft plans, such as Carefree Line of Credit or Overdraft Transfer Service. We use several different categories for holdsIn either case, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start you may be assessed fees and/or interest in accordance with the balance in your account at the beginning terms of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accountsuch applicable overdraft plan. You agree that we have the right to collect funds owed to us from any of your eligible accounts. The amount of any overdrafts, including our fees, are due and payable immediately. Failure to bring your Eligible Transaction Account in good standing may determine in our discretion the categories, the transactions within a category, the order among categoriesremove your standard overdraft coverage, and a continued overdraft status may result in your account(s) being closed. The Agreement for Deposit – Personal Accounts explains the posting orders within a categorydetails and rules regarding our Overdraft Policy. We sometimes add or delete categoriesFor fee information, change posting orders within categories and move transaction types among categoriesplease refer to our Truth in Savings Disclosure. You agree that we may in our discretion make obtain a copy of these changes policies at any time without notice to you. Posting Orders Determined 1st Source banking center or online at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them▇▇▇▇▇://▇▇▇.▇▇▇▇▇▇▇▇▇.▇▇▇/disclosures.

Overdrafts. If any Item or other debit presented to us will overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established I wish Overdraft Protection I understand I must apply and be approved for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection Every account does not come with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one timeOverdraft Protection. If we pay Items or permit withdrawals which overdraw I have been approved for Overdraft Protection with my account, I can borrow up to the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored limit set by the issuing financial institution for any reason, you agree to pay us Credit Union (the amount of “Limit”). The Credit Union may change the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and 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 amount 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 returned item advance, as well after as before maturity, default or other depositjudgment 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 also authorize us may transfer from any of my accounts including any joint account such funds as are necessary to debit your account for the amount of our returned item fee, pay any interest paid on the deposit, such overdraft. The Overdraft Protection rate and any other fee we pay overdraft rate, if different, is posted at the Credit Union and identified in statements or loss we incurpublications made available to me. We may also use any other legal remedy to recover the amount you owe usInterest accrues daily and is payable monthly. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited Any Overdraft Protection is subject to the following: teller deposits, direct deposits applicable lending policy on qualification and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themapproval.

Overdrafts. When You schedule a Funds Transfer or Bill Payment using Home Banking or Bill Payment, You authorize and are requesting Us to withdraw the necessary funds from Your Account with Us and make payments for You from Your Account. We debit the amount of Your Funds Transfer on the Business Day You instruct Us to process the Funds Transfer between Your Accounts. Each instruction to Us to withdraw or transfer from an Account is an order to Us to pay from that Account on the specified Processing Date. We debit the amount of Your Bill Payment from Your Account on the Processing Date, which is generally five (5) days prior to the due date. If we are unable to complete the transaction for any Item or other debit presented to us will overdraw the available account balancereason associated with Your Account (for example, including any balance there are not sufficient funds in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient Your Account to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedlytransaction), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is transaction may not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incurbe completed. We may also use any other legal remedy to recover charge Funds Transfers and Bill Payments against the amount you owe usAccount even though the charge creates an overdraft. We are not responsible for any transactions, including any transactions sent through the mail, until we actually In some instances You will receive and post the transaction to your accounta return notice from Us. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same dayIn these cases, you agree that we may a non-sufficient funds (NSF) fee will be charged in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start accordance with the balance credit union's established and published service fees. Further, You also agree that a NSF fee may be charged to Your account even if the payment is not returned but is paid and overdraws Your Payment Account. If You overdraw Your Account, You agree to immediately pay Us the overdrawn amount together with any applicable fees. If the Account is maintained in your account at connection with an overdraft credit plan, any overdraft will be made in accordance with the beginning of the business day, subtract holds from your balance, agreement or rules governing that Account rather than this Agreement. By enrolling for and make any adjustments from prior days. Next, we generally add credits to your balance using this Bill Payment and then subtract debits from your balance. Changing Posting Orders Home Banking Service You agree that we may determine in our discretion We have the orders in right to collect funds from all of Your Accounts to recover funds for all payments that have been requested to be paid by You and Your authorized user; this includes accounts on which we post transactions to your account. You agree that we may determine in our discretion are the categoriesprimary member-owner, as well as accounts on which You are the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themjoint owner.

Overdrafts. When You schedule a ▇▇▇▇ Payment, You authorize and are requesting Us to withdraw the necessary funds from Your Funding Account with Us and make payments for You from Your Account. We debit the amount of Your Funds Transfer on the Business Day You instruct Us to process the Funds Transfer between Your Accounts. Each instruction to Us to withdraw or transfer from an Account is an order to Us to pay from that Account on the specified Processing Date. We debit the amount of Your ▇▇▇▇ Payment from Your Account on the Processing Date, which is generally five (5) days prior to the due date. If we are unable to complete the transaction for any Item or other debit presented to us will overdraw the available account balancereason associated with Your Account (for example, including any balance there are not sufficient funds in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient Your Account to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedlytransaction), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is transaction may not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incurbe completed. We may also use any other legal remedy to recover charge ▇▇▇▇ Payments against the amount you owe usAccount even though the charge creates an overdraft. We are not responsible for any transactions, including any transactions sent through the mail, until we actually In some instances You will receive and post the transaction to your accounta return notice from Us. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same dayIn these cases, you agree that we may a non-sufficient funds (NSF) fee will be charged in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start accordance with the balance credit unions established and published service fees. Further, You also agree that an Overdraft fee may be charged to Your account even if the payment is not returned but is paid and overdraws Your Funding Account. If You overdraw Your Account, You agree to immediately pay Us the overdrawn amount together with any applicable fees. If the Account is maintained in your account at connection with an overdraft credit plan, any overdraft will be made in accordance with the beginning of the business day, subtract holds from your balance, agreement or rules governing that Account rather than this Agreement. By enrolling for and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders using this ▇▇▇▇ Payment Service You agree that we may We have the right to collect funds from all of Your Accounts to recover funds for all payments that have been requested to be paid by You and Your authorized user; this includes accounts on which You are the primary member-owner, as well as accounts on which You are the joint owner. Expedited Payments is a feature of ▇▇▇▇ Payment that, depending on the payee and the time of day, enables you to have your payments initiated and processed immediately. Expedited Payments allow You to send rush payments for delivery on standard business processing days (Monday thru Friday, excluding Federal Reserve Holidays). Expedited payments are delivered faster than standard payments. These payments are subject to a nominal convenience fee that is debited directly from Your Funding Account in a separate ACH transaction. Depending on the intended payee and the time of day, Expedited Payments are available for same day or next day processing and posting. The system will automatically determine whether the Expedited Payments option is available to you to make payments to a specific payee, and it will also automatically determine the date by which Your Expedited Payment will be processed. Expedited payments are not available for any payees created under the Send Money feature. Processing Time, depending on specific payee limitations and the time of day, you might not be able to set up an Expedited Payment for same day processing, which means that the deliver by date might be delayed until the following Business Day. If you set up an Expedited Payment after the cutoff time for same day processing, your payment will not be processed until the following Business Day; in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categoriessuch a case, the transactions within a categorysystem will automatically notify you of this additional processing time before you approve the Expedited Payment. Limitations, no single Expedited Payment transaction shall exceed $10,000.00. Expedited Payments will not always be available. Depending on the order among categories, intended payee and the posting orders within a categorytime of day, you might not have access to Expedited Payments. We sometimes add or delete categoriesIf Expedited Payments is not available for an intended payee, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice it will not be presented as an option to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your accountOnce you set up an Expedited Payment, you agree that we may treat them as if we received all transactions at the same time at the end of the business daywill never be able to edit or cancel it for any reason. During the dayConfirmation, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details You will receive a confirmation screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that reference information after every transfer you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themmake.

Overdrafts. If any Item The Credit Union is under no obligation, unless it has contracted to the contrary, to pay a check or other debit presented transaction you have written or authorized if it would result in this Checking Account being overdrawn. However, the Credit Union may pay such a transaction and charge the amount of the resulting overdraft plus any applicable service charge against your Regular Share Account or any of your other accounts. Subject to us will applicable law, the Credit Union may pay checks or other transactions 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 Credi t Union, even if paying a particular check or other transaction results in an insufficient balance in your Checking Account to pay one or more other transactions that otherwise could have been paid out of your Checking Account. The Credit Union has the option of honoring an overdraft transaction or dishonoring it to avoid the creation of an overdraft. Honoring of past overdrafts does not obligate the Credit Union to honor them in the future. The Credit Union is not required to send prior notice of transactions returned because they would, if paid, overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor itaccount. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals The amount by which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by overdrawn is due and payable to the issuing financial institution for any reasonCredit Union upon our demand, and you agree to pay us the full amount of it to us, together with any applicable fees as set forth in the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other depositFee Schedule. You also authorize us us, in such a case, to debit your apply from any other shares or deposits you may have in the Credit Union (except for an Individual Retirement Accounts or other account for permitting tax deferrals or providing other tax benefits under state or federal law) any amount necessary to pay such overdrawn amount and fees. If this is a joint account, all of the Joint Owners are jointly and severally liable to repay the Credit Union the amount of any overdraft and service charges, regardless of which of the parties writes the check or authorizes the transaction that creates an overdraft. If the Credit Union has contractually agreed to provide you with overdraft protection, such as through a share transfer agreement, it will pay overdrafts in accordance with the terms of the applicable agreement(s) when sufficient funds are available through such agreements to pay the overdrafts. When determining whether a check or other transaction drawn on your Checking Account is a nonsufficient funds transaction, both for the purpose of determining whether and how to honor the transaction and whether a fee related to it being an overdraft may be charged, the Credit Union will use the “Available Balance” for your Checking Account at the time the transaction is presented. The Available Balance is the balance shown on our returned item feebooks (“Ledger Balance”) reduced by (i) the amount of any holds in place with respect to deposited checks or other items, (ii) the amount in the account that is subject to any interest paid preauthorization requests related to the account that have been accepted by the Credit Union, (iii) amounts in the account that are subject to holds based on the depositcourt, tax agency, or other governmental proceedings, and any (iv) amounts that we believe are subject to a dispute over ownership or other fee we pay or loss we incurrights. We may also use any other legal remedy to recover the amount you owe us. We Examples of preauthorization requests are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawalspurchase transactions where the final amount is initially unknown, transferssuch as gas station purchases, payments, checks, one-time and recurring debit card transactionsrestaurant charges, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for hotel or car reservations, but there are other types of preauthorization requests that could affect your account on as well. Note that the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business dayAvailable Balance for these purposes may cause a fee related to an overdraft to be charged, our automated systems assign each transaction received for that day or a line of credit advance or transfer from another account to a category. We generally post all transactions within a categorybe made, using the posting order or orders that apply to that category, before we post even though your periodic statement may not reflect any transactions assigned to the next category. We start with time when the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you (periodic statements use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themLedger Balances) would be negative.

Overdrafts. If You agree to maintain funds in your Ac- counts at all times sufficient to pay any Item withdrawal order (whether oral, written, or other debit otherwise) or item presented for payment against the applicable Account. We are under no obligation to us will overdraw pay any order or item (a) the amount of which exceeds the available account balancebalance in the Account upon which the order was made or the item was drawn, or (b) that would exceed limitations imposed upon the applicable Account under our policies and procedures, or under applicable law, including Federal Reserve Board Regulation D. In the event that we do pay any balance in an overdraft protection account ("ODP Account") we have established for yousuch item, we will charge you a fee, whether we pay the Item or not waive our right to dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one timesubsequent items presented. If we do pay Items or permit withdrawals an item, the amount of which overdraw exceeds the available Deposit balance in the Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item upon which it is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for youdrawn, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer item deposited to your account Account is dishonored by the issuing financial institution for any reasonsub- sequently returned and charged back to your Account creating an overdraft, you agree to pay us immediately the amount of the dishonored deposited funds, and you authorize us to debit by which that Account is overdrawn together with any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other depositfees that we might assess. You also authorize us to debit deduct any overdraft from your account for the amount next deposit (including a direct deposit of our returned item feesocial security or other government benefits), any interest paid on the deposit, and to withhold or to transfer funds from any other fee we pay Account to which you are party in amounts sufficient to cover any overdraft and overdraft fees, or loss we incur. We may also to use any other legal collection remedy available to recover the amount us by law. If your Account remains overdrawn for more than 10 days, you owe us. We are not responsible for authorize us to add any transactions, including any transactions sent through the mail, until we actually receive and post the transaction overdrawn balance to your account. We are not liable for the default Southwest Financial Federal Credit Union Line of Credit; Open End Credit Plan; or negligence of our duly selected agents or correspondentsto advance funds from your credit card available credit, nor for losses if applicable, in transit. Processing Transactions and Posting Orders Posting transactions an amount sufficient to your account impacts your account cover any overdrawn balance. Posting a credit increases In the event that any electronic debit entry would create an overdraft in your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same dayAccount, you agree that we may the terms and conditions set forth in our discretion determine our posting orders for the transactions this Account Agreement gov- erning overdraft and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accountoverdraft protection shall apply. You agree that we may determine the Credit Union shall be authorized to rec- ognize the signatures set forth on any ACH Agreement or authorization form signed in our discretion the categoriesconnection with your Ac- counts, the transactions within a category, the order among categoriesin making debit entries from and credit entries to your Accounts, and in the posting orders within a category. We sometimes add payment of funds or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at the trans- action of any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions business for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themAccounts.

Overdrafts. If An overdraft is created when you have insufficient funds in your Account to cover a check, withdrawal, automatic transfer, electronic transaction (e.g., ATM or point-of-sale purchase), returned deposited item, or any other electronic purchase, payment, or debit. When we receive a check or process an ACH payment request to debit your Account, and your Account has a non-sufficient available balance to pay the check or payment request, we may charge you Paid Item Fees and/or Returned Item Fees (as such terms are defined, respectively, in the Service Fees section of the Accounts Disclosure) each time that check or other debit payment request attempts to clear your Account. When your check or payment request is returned for non-sufficient funds, your check or payment request may be presented and re-presented to us your Account for payment multiple times, and each time that your Account has a non-sufficient available balance to pay the check or payment request, we may charge you a Paid Item Fees and/or Returned Item Fees. This means you may be charged multiple Returned Item Fees (or Returned Item Fees and then a Paid Item Fee, if paid into overdraft) for the same check or ACH payment request that are re-presented for payment when your Account has a non-sufficient available balance. We will process debit and credit ACH transactions throughout the day, in the order they are received in our processing center. Therefore, if an Account withdrawal or debit transaction is processed in the morning and it exceeds your available balance at that time, you may be charged Paid Item Fees and/or Returned Item Fees, even if a deposit or credit transaction occurring later that day raises your available balance above $0.00. We may receive multiple credit or debit transactions on your Accounts in many different forms throughout each day. The best way to know your Available Balance and avoid paying Paid Item Fees and/or Returned Item Fees is to record and track all your transactions closely. Overdraft Privilege is a service that the Bank may, but is not required to, use to pay checks and other withdrawal requests that would otherwise overdraw the available account balance, including your checking Account (or would exceed any balance in an overdraft protection account ("ODP Account") we Overdraft Protection or Overdraft Line of Credit that you have established for youthe Account). Typically, we the Bank limits Overdraft Privilege on consumer checking Accounts to $600 and offers the service only after: (1) an Account has been open for thirty (30) days, and (2) has had at least $400 in deposits made to the Account, and (3) has incurred no overdrafts. There is no guarantee that the Bank will charge you a feealways authorize and pay your transactions and items. The Bank retains the discretion to decline payment of items or transactions that will overdraw your Account, whether we pay the Item or dishonor it. You agree immediately upon notice and may remove Overdraft Privilege from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit your Account balance may be made at any time between presentment and our predetermined deadlinewithout notice to you. By federal law, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance banks are required to separate transactions into two categories when applying Overdraft Privilege: (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, 1) one-time debit card transactions and ATM withdrawals, and (2) checks, ACH, recurring debit card transactions, and feesall other types of transfers and withdrawals. These types of transactions are not automatically covered by the Overdraft Privilege service. You will be required to “Opt In” if you want the Bank to consider paying these types of transactions. If you “Opt-In” for these transactions, a fee will apply if the transaction is paid (Paid Item Fee) using Overdraft Privilege. The specific fees are disclosed in the Service Fees section of the Accounts Disclosure. If you do not “Opt-In”, the Bank will automatically decline or reject any of these transactions that would overdraw your Account. To “Opt-In”, or subsequently “Opt-Out” of Overdraft Privilege for ATM withdrawals and one-time debit card transactions, you may notify the Bank by calling us at ▇▇▇-▇▇▇-▇▇▇▇, visiting an office or our website, ▇▇▇.▇▇▇▇.▇▇▇. You may revoke your Opt-In or Opt-Out at any time by notifying the Bank through the same channels listed above. Your decision to Opt-In or Opt-Out of Overdraft Privilege will be effective the next business day after we receive your notice, and will apply to all transactions initiated after we have affected such notice. These types of transactions are automatically included in the standard Overdraft Privilege service. If you wish to Opt-Out of Overdraft Privilege for these specific types of transactions you must notify the Bank. If you Opt-Out, all of your checks, ACH, recurring debit card transactions and all other transfers and withdrawals will generally be returned unpaid or declined. However, recurring debit card transactions that are authorized when funds are available in your Account but post at a later date when funds are no longer available, may overdraw your Account and these items will be subject to Paid Item Fees even if you are Opted Out of the Overdraft Privilege service. The Paid Item fee for Insufficient/Unavailable Funds will apply when the checks or transactions are paid and the Returned Item Fee will apply for checks or transactions that are returned. The specific fees are 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 use automated systems have no obligation to process transactions and then to post transactions to accounts. When notify you if we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accepthonor, pay, return or decline an item or transaction for a non-sufficient available balance. To Opt-Out of Overdraft Privilege for check, ACH, recurring debit card transactions, and all other items, you may notify the Bank by calling us at ▇▇▇-▇▇▇-▇▇▇▇ or visiting our nearest office. You may revoke this decision at any time. Your decision to Opt-Out or Opt-In to Overdraft Privilege will be effective the next business day after we receive your notice, and will apply to all transactions initiated after we have affected such notice. If you have multiple overdrafts on any given day, we may honor any one or more and return credits, debits and holds the others in any order at our optionorder. Posting Orders This section summarizes how we generally post some common Multiple Paid Item or Returned Item fees can be charged against your Account per day on these occasions. The Paid Item and/or Return Item fees for all transactions shall be limited to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include no more than one transaction typefive (5) per day. After In addition, if any individual item is $50 or less, or any individual item overdraws your Account by $50 or less, you will not be charged a fee. The specific fees are disclosed in the end Service Fees section of the business dayAccounts Disclosure and are subject to change from time to time. You are in the best position to ensure that your Account has sufficient funds to cover any check or other debit by maintaining an accurate and current record of your deposits and withdrawals. You have the ability to confirm your current and available Account balances through any PCSB Bank ATM, our automated systems assign each transaction received for that day Telephone Banking, Online Banking, by contacting any office or by calling us at ▇▇▇-▇▇▇-▇▇▇▇ prior to writing a categorycheck, withdrawing cash, or initiating any electronic or debit transaction. We generally post all transactions within a category, using the posting order Current and available balances do not include outstanding checks or orders that apply to that category, before we post any transactions assigned debits not yet submitted to the next categoryBank. We start with Payment of an overdraft creates a debt owed to the balance in your account at Bank. The amount owed includes applicable fees and the beginning amount of the business dayitem(s) paid. The Bank is not responsible for notifying you prior to incurring a Paid Item or Return Item Fee due to Insufficient/Unavailable Funds. Once you are notified that your Account is overdrawn, subtract holds from your balance, you will be required to repay the Bank or to deposit sufficient funds to cover the overdraft and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accountall related fees. You agree and acknowledge that the Paid Item Fee and the Returned Item Fee are designed to compensate the Bank for its costs in processing overdraft items and to compensate the Bank for its risk in electing, at its discretion, to pay certain overdrafts. You further agree that Paid Item and Returned Item fees do not constitute a penalty. If you fail to reimburse the Bank for the overdraft and related fees, we may determine will be entitled to recover our expenses in our discretion collecting the categoriesoverdraft and fees; and any related charges including, without limitation, attorney’s fees and legal costs. The payment of one or more overdrafts does not obligate the transactions within a category, the order among categoriesBank to honor or pay future overdrafts, and you should not rely upon the posting orders within a category. We sometimes add Bank to honor or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at pay any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processingoverdraft. As an exampleto any Account with multiple owners, we show some transactions as processing on each owner agrees that they are jointly and severally liable for any overdraft paid by the Bank and subsequent Paid Item and Return Item fees. Each owner also agrees that the Bank may debit funds from any other Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at held by such owners to repay the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant overdraft and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themany related fees.

Overdrafts. If any Item or You have automatic overdraft protection from your share savings account. Overdraft protection may also be arranged from other debit presented to us will overdraw the available account balanceaccounts, including any balance in an overdraft protection account ("ODP Account") we have established lines of credit. We also offer Overdraft Protection Plus, for you, we will charge you a fee. See Overdraft Protection Plus-Agreement & Disclosure. Overdraft transfers will occur once per day in the amounts equal to the cumulative overdrafts for that day, whether we pay up to the Item or dishonor itamount of available funds. You agree immediately upon notice from us to deposit funds sufficient to cover Transfers occur the overdraft plus applicable charges. In connection with night after the overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reasonoverdrawn, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit deduct the amount your account is overdrawn from any deposit deposit, including deposits of government payments or benefits. Your checking account with us has two kinds of which you balances: the “actual” balance and the “available” balance. Both balances are an owneraccessible online, without prior notice by phone or at a branch. We use the available balance when determining whether a transaction will cause your account to overdraw and at any time, for fee assessments. Your actual balance is the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we money that is actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at any given time. Your actual balance reflects transactions that have “posted” to your account, but it does not include transactions that have been authorized and are pending. While it may seem that the beginning actual balance is the most up-to- date display of the business day, subtract holds funds that you can spend from your balanceaccount, and make any adjustments from prior daysthis is not always the case. NextYour account may have purchases, we generally add credits to holds, fees, other charges, or deposits that have not yet posted, and, therefore, will not appear in your balance and then subtract debits from your actual balance. Changing Posting Orders You agree Your available balance is the amount of money in your account that is available to you without incurring a fee. Your available balance takes into account holds that have been placed on deposits and pending transactions (such as pending debit card transactions) that we may determine in our discretion the orders in which we post transactions have authorized but that have not yet posted to your account. You agree not to issue any check that is payable on a future date (postdated). If you do issue a check that is postdated and we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree pay it before that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your accountdate, you agree that we may treat them shall have no liability to you for such payment. You agree not to deposit checks before they are properly payable. We are not obligated to accept for deposit or pay any check drawn on your account that is presented more than six (6) months past its date (stale-dated). We will not be responsible for any losses or costs you incur as if we received all transactions at the same time at the end a result of the business daypayment by us of any check more than six months old, or the payment of any check before the date written on the face of it by you. During Only approved checking forms and other methods approved by Wings may be used to withdraw funds from an account. We may, at our option, pay any item, whether or not the dayitem is properly encoded. Wings shall have no responsibility to stop payment on any check or other item not conforming to our printing and encoding standards. Any authorized signer may stop payment on any check drawn on an account, whether they signed the item or not. Wings must receive your request at a time and in a manner which allows us a reasonable opportunity to act. An oral order is valid for 14 calendar days, unless it is confirmed or revoked in writing within that time period. An electronic or written order is valid for six months. Your written order to stop payment must contain your name and account number, the name to which the check is made out (payee), and the number and exact amount of the check. Failure to provide us with the correct information regarding the check(s) may result in the check being paid. You may renew your order in writing every six (6) months. We may pay your check after your stop payment order has expired, even though the checks are more than six (6) months old. Any authorized signer may remove a stop payment, even if they are not the one who placed the stop payment initially. We are not required to notify you when a stop payment order expires. Although payment of an item may be stopped, you may remain liable to any item holder, including us. You agree to indemnify and hold Wings harmless from all costs, including attorneys’ fees, damages, or claims related to our refusing payment of an item, including claims of any joint account owner, payee, or endorsee in failing to stop payment of an item as a result of incorrect information provided by you. You understand that, as a rule, we show some transactions as processingwill not stop payment on Cashier’s Checks. As an exampleIf we agree to stop payment, we show some transactions as processing require that you indemnify us. For ACH Stop Payments, see Preauthorized Payments on the Account Details screen page 19. We may refuse to accept any check drawn on your account that is presented for payment in Online Bankingperson. Please note that transactions shown as processing have Such refusal shall not been posted yet. The posting order for these transactions is determined at the end constitute a wrongful dishonor of the daycheck, with and we shall have no liability for refusing payment. If we agree to cash a check that is presented for payment in person, we may require the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card presenter to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themfee.

Overdrafts. If any Item or other debit presented to us will overdraw An overdraft occurs when the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at is insufficient to pay a debit (withdrawal) transaction, but we pay the beginning transaction anyway . We strongly recommend that you not overdraw your account, as overdrafts can result in fees for which you will be responsible . You will also be responsible for bringing your account current . We do not promise to cover your overdrafts under our standard overdraft practices . There are ways to avoid overdrafts, including avoiding poor account management . An overdraft can happen, which may trigger an overdraft item fee (see the Fee Schedule (“Overdraft Paid Item Fee,” “NSF Returned Item Fee”)), for example: • If you write a check without enough money in your checking account to pay the check, and we pay the item; • If an electronictransactionclearsagainstyour accountwithoutenoughmoney in your account to cover thetransaction; • If you make a withdrawal from your account that exceeds youravailable balance; • Ifyou use your Banc of California debit card for payment without enough money in your checking account to cover the amount authorized or the amount paid to the merchant; • If you make a deposit, withdraw money based on the credit received from that deposit, and then have that deposit reversed because the deposited item is later returned to us unpaid; • If you withdraw money from your account and do not have enough money left to pay any related charges posted to the account; • When funds are credited to your account in error and you use the funds, and the reversal of the business day, subtract holds from your balance, credit results in an overdraft; or • When fees such as monthly maintenance fees are charged and make any adjustments from prior daysyou do not have sufficient funds to cover. Next, we generally add credits You do not have the right to your withdraw funds that exceed the available balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to on your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for When an item overdraws your account, we can either pay or return the item. You cannot choose which items we pay or return, unless you agree that have opted-into the “Courtesy Overdraft Service,” described below, which covers ATM and everyday debit card transactions. If we may treat get a batch, or multiple batches, of items in a day (for example, checks, ATM purchase transactions, and debit card purchase transactions typically come in batches), and if one, some or all of them as would overdraw your account if we received all transactions at the same time at the end of the business day. During the daypaid, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen will post items in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, accordance with the other transactions we receive for that day“Order of Payments” section within this Agreement . You should note that often we do not receive debits If you make a deposit on the same day that you conduct theman item, service charge or transaction creates an overdraft (a “temporary” or “intra-day overdraft”), we may charge the fee for the overdraft since the covering deposit may not be posted until the end of the Business Day. As an exampleSee the Fee Schedule (“Overdraft Paid Item Fee”). In some cases (e.g., when you use deposits received after our processing cutoff hour), the deposit may not be deemed received until the next Business Day . We also may impose a fee fordeposited itemsthat are returned. See the Fee Schedule (“Returned Deposit Item Fee,” balance in your debit card account . The available balance in your account is the amount of funds available for withdrawal and authorizing transactions. Your available balance may be less than the ledger balance or the collected balance . The available balance may not include the following: (i) the amount of pending transactions, such as point-of-sale transactions; (ii) funds on hold in accordance with our funds availability policy; (iii) funds related to pay our receipt of a notice that a transaction will be presented or returned; (iv) our receipt of legal process related to funds in your account; and (v) funds frozen for another reason, such as funds pledged as collateral for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which loan or commitment you conduct them or we receive themhave made .

Overdrafts. If any Item A transaction or other item that results in or creates a negative Available Balance in Your Account is called an “Overdraft.” We decide whether to authorize debit presented to us will overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we card transactions and pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid items based on the deposit, and any other fee we pay or loss we incur“Available Balance” of funds in Your Account. We may also use any other legal remedy decide whether to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, oneassess per-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account item Overdraft fees based on the same day“Ledger Balance” of funds in Your Account. An Overdraft that results in or increases a negative Ledger Balance in Your Account will incur a per-item Overdraft fee as described herein and as set forth in the Fee Schedule. As set forth in the Fee Schedule (see paragraphs 1 and 9 of this Agreement) and as permitted by law, you agree that we may We will assess per-item Overdraft fees for Overdraft items regardless of whether the items are paid or returned. The “Ledger Balance” is the current balance of funds in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account Your Account at the beginning of the business dayBusiness Day. For purposes of determining whether to authorize transactions, subtract We determine the “Available Balance” by taking the Ledger Balance and reducing that amount by any outstanding holds from your balancefor deposits that are not yet available under Our Funds Availability Policy; by debit card items We have authorized but not processed for payment; and by intra-day activities (including but not limited to wire transfers, ATM withdrawals, and make any adjustments other electronic transfers). Certain business operations (e.g., taxis, hotels, rental or leasing companies) may request debit card authorizations in an amount exceeding the amount they ultimately charge You. When We authorize a debit card transaction, We establish a hold and reduce Your Available Balance by the full amount We authorize (which may differ from the transaction amount) until the item is paid or is no longer considered to be pending. In the event You deposit a check that is not from a guaranteed source, a hold is placed on the Account to the extent and during the period described in the Funds Availability Policy section of this Agreement. In Our discretion, We can reduce the time frame for a hold or choose not to place a hold at all. For example, in some cases We are able to verify that a check has been honored prior days. Nextto the time a hold would otherwise expire and can manually remove the hold, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine making funds available earlier in our discretion the orders in which we post transactions to your accountprocess. You agree that we We may determine pay checks and other items, including ACH items and other electronic debits to Your Account, in our discretion any order that complies with applicable law. For example:  We may process deposits before debits.  We may process certain kinds of electronic items, such as debit card, ATM and ACH items, ahead of other kinds of items, such as checks.  We may process certain items based on the categoriestime they were received for processing.  We may process checks in serial number order. Multiple Overdraft fees may be charged to Your Account in one day. Also, items returned to the presenting institution as a result of insufficient funds may be re- presented to Us multiple times for payment by the presenting institution. If sufficient funds are not available in Your Account at the time of re-presentment, an additional Overdraft fee may be incurred. To the extent permitted by law, You authorize Us to deduct any Overdrafts and any Overdraft fees from any funds that may thereafter be deposited into the Account, even if those funds come from restricted income sources that are exempt from attachment. We are under no obligation to pay or authorize any item or withdrawal request presented if there are insufficient available funds to cover the item. You agree, however, that, in Our sole discretion, We may honor any check, recurring debit card, and/or ACH debits presented to Your Account when there are insufficient available funds to cover such items. We also offer an optional discretionary Overdraft service, Overdraft Privilege, that may be available to You for ATM and everyday debit card transactions. For each of Your Accounts, You can opt in to Overdraft Privilege (or opt out after first opting in) by calling Us toll free at 888- MIDFIRST (888-643-3477) or by calling or visiting one of Our banking centers. You are not eligible for this Overdraft Privilege service unless You have an eligible Account, and You first opt in to the service. If You do not opt in to this Overdraft Privilege service and You attempt an ATM or everyday debit card transaction at a time when Your Account does not have sufficient available funds to cover the transaction, the transactions within a categorytransaction will be declined. Please note that if You do not opt in to this Overdraft Privilege service for ATM and everyday debit card transactions: (i) We will continue to apply Our current Overdraft policies to paper check, the order among categoriesACH, and recurring debit card transactions and (ii) the posting orders within date items are presented for payment and Our processing order could still cause a category. We sometimes add paper check, ACH, or delete categories, change posting orders within categories and move recurring debit card transaction types among categoriesto result in an overdraft of Your Account. You agree that we may in our discretion make these changes at payment of any time without notice Overdraft item on any occasion(s) does not obligate Us to youpay any future Overdraft items. Posting Orders Determined at End We have no obligation to notify You before We pay an Overdraft item or before We return an Overdraft item unpaid. You agree to pay the amount of Day We receive credits, debits any Overdraft and holds throughout the dayall Overdraft fees immediately upon demand. Regardless of when during the day we receive transactions for your account, you You agree that we We may treat them as pursue any collection remedy available under applicable law, of which You may become responsible to reimburse Us for any related expenses. You should know that:  A maximum of 5 per-item Overdraft fees will be charged on any Processing Day.  We will not charge any per-item Overdraft fees if we received all transactions at the same time Your Account is overdrawn by $5.00 or less at the end of a Processing Day.  We will not charge any per-item Overdraft fees if the business dayonly debit items We process on a Processing Day are fees We assess. During the day We will charge a one-time Extended Overdraft Fee if Your Account is overdrawn in any amount for at least seven consecutive calendar days. Extended Overdraft Fees are based on Your Ledger Balance. Under Our Overdraft Protect and Overdraft credit services, we show some transactions as processingYou may agree to authorize automatic transfers from a linked Account or through certain credit services to cover Account Overdrafts, subject to availability of funds in Your linked Account or availability of credit subject to applicable restrictions and other limitations. As an example, we show some transactions as processing on the Account Details screen Overdraft Protect is described in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at further detail near the end of this Agreement. Credit services that may be used for Overdraft protection are subject to the daystandard applicable credit application, with approval and execution of credit documents. For more information about Overdraft Protect, available credit services, applicable terms and conditions, fees and enrollment, please visit the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an exampleMidFirst Overdraft Services webpage at ▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇, when you use your debit card to pay for a purchase call Us toll free at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them 888-MIDFIRST (888-643- 3477) or we receive themcall or visit any MidFirst banking center.

Overdrafts. If any Item or other debit presented to us will overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time ▇▇▇ e between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default defa ult or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.

Overdrafts. If any Item item or other debit presented to us will overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, when paid (not during authorization for a transaction), we will charge you a fee, whether we pay the Item item or dishonor itreturn it (except for debit-card and ATM transactions—they may be declined without a fee). You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, deadline and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Please note that merchants may attempt to get paid a second or third time if their initial ACH or check transaction is returned unpaid. We treat these second and third attempts as separate Items or transactions and will assess a fee each time we return one unpaid or pay one that results in an overdraft. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary carecare . All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject su bject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize autho rize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest inte rest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount amo unt you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balancebalance and may affect the total number of overdraft or returned item fees you incur. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions trans actions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may creditcredi t, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, category before we post any transactions assigned to the next category. Overdraft and returned item fees are assessed during the nightly posting process so the order in which we post transactions will affect the total number of overdraft of returned item fees incurred. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.

Overdrafts. If any Item or You have automatic overdraft protection from your share savings account. Overdraft protection may also be arranged from other debit presented to us will overdraw the available account balanceaccounts, including any balance in an overdraft protection account ("ODP Account") we have established lines of credit. We also offer Overdraft Protection Plus, for you, we will charge you a fee. See Overdraft Protection Plus-Agreement & Disclosure. Overdraft transfers will occur once per day in the amounts equal to the cumulative overdrafts for that day, whether we pay up to the Item or dishonor itamount of available funds. You agree immediately upon notice from us to deposit funds sufficient to cover Transfers occur the overdraft plus applicable charges. In connection with night after the overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reasonoverdrawn, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit deduct the amount your account is overdrawn from any deposit deposit, including deposits of government payments or benefits. Your checking account with us has two kinds of which you balances: the “actual” balance and the “available” balance. Both balances are an owneraccessible online, without prior notice by phone or at a branch. We use the available balance when determining whether a transaction will cause your account to overdraw and at any time, for fee assessments. Your actual balance is the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we money that is actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at any given time. Your actual balance reflects transactions that have “posted” to your account, but it does not include transactions that have been authorized and are pending. While it may seem that the beginning actual balance is the most up-to- date display of the business day, subtract holds funds that you can spend from your balanceaccount, and make any adjustments from prior daysthis is not always the case. NextYour account may have purchases, we generally add credits to holds, fees, other charges, or deposits that have not yet posted, and, therefore, will not appear in your balance and then subtract debits from your actual balance. Changing Posting Orders You agree Your available balance is the amount of money in your account that is available to you without incurring a fee. Your available balance takes into account holds that have been placed on deposits and pending transactions (such as pending debit card transactions) that we may determine in our discretion the orders in which we post transactions have authorized but that have not yet posted to your account. You agree not to issue any check that is payable on a future date (postdated). If you do issue a check that is postdated and we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree pay it before that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your accountdate, you agree that we may treat them shall have no liability to you for such payment. You agree not to deposit checks before they are properly payable. We are not obligated to accept for deposit or pay any check drawn on your account that is presented more than six (6) months past its date (stale-dated). We will not be responsible for any losses or costs you incur as if we received all transactions at the same time at the end a result of the business daypayment by us of any check more than six months old, or the payment of any check before the date written on the face of it by you. During Only approved checking forms and other methods approved by Wings may be used to withdraw funds from an account. We may, at our option, pay any item, whether or not the dayitem is properly encoded. Wings shall have no responsibility to stop payment on any check or other item not conforming to our printing and encoding standards. Any authorized signer may stop payment on any check drawn on an account, whether they signed the item or not. Wings must receive your request at a time and in a manner which allows us a reasonable opportunity to act. An oral order is valid for 14 calendar days, unless it is confirmed or revoked in writing within that time period. An electronic or written order is valid for six months. Your written order to stop payment must contain your name and account number, the name to which the check is made out (payee), and the number and exact amount of the check. Failure to provide us with the correct information regarding the check(s) may result in the check being paid. You may renew your order in writing every six (6) months. We may pay your check after your stop payment order has expired, even though the checks are more than six (6) months old. Any authorized signer may remove a stop payment, even if they are not the one who placed the stop payment initially. We are not required to notify you when a stop payment order expires. Although payment of an item may be stopped, you may remain liable to any item holder, including us. You agree to indemnify and hold Wings harmless from all costs, including attorneys’ fees, damages, or claims related to our refusing payment of an item, including claims of any joint account owner, payee, or endorsee in failing to stop payment of an item as a result of incorrect information provided by you. You understand that, as a rule, we show some transactions as processingwill not stop payment on Cashier’s Checks. As an exampleIf we agree to stop payment, we show some transactions as processing require that you indemnify us. For ACH Stop Payments, see Preauthorized Payments and Direct Deposit in Electronic Funds Transfer Act Notice - Reg E section. We may refuse to accept any check drawn on the Account Details screen your account that is presented for payment in Online Bankingperson. Please note that transactions shown as processing have Such refusal shall not been posted yet. The posting order for these transactions is determined at the end constitute a wrongful dishonor of the daycheck, with and we shall have no liability for refusing payment. If we agree to cash a check that is presented for payment in person, we may require the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card presenter to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themfee.

Overdrafts. If any Item or other debit presented to us will You understand that we may, at our discretion, honor withdrawal requests that overdraw your account. However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later. So you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past. We can change our practice of paying overdrafts on your account without notice to you. You can ask us if we have other account services that might be available account balanceto you where we commit to paying overdrafts under certain circumstances, including any balance in such as an overdraft protection line-of-credit or a plan to sweep funds from another account ("ODP Account") we you have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine charge fees for overdrafts. For consumer accounts, we will not charge fees for overdrafts caused by ATM withdrawals or one-time debit card transactions if you have not opted-in our discretion the categoriesto that service. We may use subsequent deposits, the transactions within a categoryincluding direct deposits of social security or other government benefits, the order among categoriesto cover such overdrafts and overdraft fees. Multiple signatures, electronic check conversion, and similar transactions - An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the posting orders within Electronic Fund Transfers regulation. In these types of transactions the check or similar item is either removed from circulation (truncated) or given back to you. As a category. We sometimes add or delete categoriesresult, change posting orders within categories and move transaction types among categorieswe have no opportunity to review the check to examine the signatures on the item. You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures. OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account - is an account in the name of one person. Joint Account - With Survivorship (And Not As Tenants In Common or Community Property) - is an account in the name of two or more persons. Each of you intend that when you die the balance in the account (subject to any previous pledge to which we may have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in our discretion make the account as joint tenants with survivorship and not as tenants in common. If the account is issued to a husband and wife, they intend that any community property in the account be transmuted (changed) into separate property and that all the property in the account, including earnings, be held jointly with the right of survivorship. Upon the death of either spouse the property will vest in and belong to the surviving spouse. Joint Account - No Survivorship (As Tenants In Common) - is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures” necessary for withdrawal. Community Property Account - No Survivorship - Such an account is issued to a husband and wife who intend that all of the property in the account, including earnings, be held as community property without right of survivorship. Revocable Trust or Pay-On-Death Account - If two or more of you create this type of account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating either of these changes account types may: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time without time. BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. You represent that you have the authority to open and conduct business on this account on behalf of the entity. We may require the governing body of the entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the entity. STOP PAYMENTS - Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts. Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed these rules to you elsewhere, you may ask us about those rules. TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of “preauthorized transfers” during the month). Other account transfer restrictions may be described elsewhere. AMENDMENTS AND TERMINATION - We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately in the Truth-in-Savings disclosure or in another document. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account if your membership in the credit union terminates, or by giving reasonable notice to youyou and tender of the account balance personally or by mail. Posting Orders Determined at End of Day We receive credits, debits and holds throughout Items presented for payment after the dayaccount is closed may be dishonored. Regardless of when during the day we receive transactions for When you close your account, you agree that are responsible for leaving enough money in the account to cover any outstanding items and charges to be paid from the account. Reasonable notice depends on the circumstances, and in some cases such as when we may treat them as cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, suspect fraudulent activity with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits respect to your account, we might immediately freeze or close your account and report them on then give you notice. At our option, we may suspend your statementrights to member services if you violate the terms of this agreement. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, in a different order than you have agreed to the order in which you conduct them or we receive themnew term(s).

Overdrafts. If any Item or other debit presented to us will overdraw An overdraft occurs when the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at is insufficient to pay a debit (withdrawal) transaction, but we pay the beginning transaction anyway. We strongly recommend that you not overdraw your account, as overdrafts can result in fees for which you will be responsible. You will also be responsible for bringing your account current. We do not promise to cover your overdrafts under our standard overdraft practices. There are ways to avoid overdrafts, including avoiding poor account management. An overdraft can happen, which may trigger an overdraft item fee (see the Fee Schedule (“Overdraft Paid Item Fee,” “NSF Returned Item Fee”)), for example: • If you write a check without enough money in your checking account to pay the check, and we pay the item;‌ • If an electronic transaction clears against your account without enough money in your account to cover the transaction;‌ • If you make a withdrawal from your account that exceeds your available balance;‌ • If you use your Banc of California debit card for payment without enough money in your checking account to cover the amount authorized or the amount paid to the merchant;‌ • If you make a deposit, withdraw money based on the credit received from that deposit, and then have that deposit reversed because the deposited item is later returned to us unpaid;‌ • If you withdraw money from your account and do not have enough money left to pay any related charges posted to the account;‌ • When funds are credited to your account in error and you use the funds, and the reversal of the business day, subtract holds from your balance, credit results in an overdraft; or‌ • When fees such as monthly maintenance fees are charged and make any adjustments from prior days. Next, we generally add credits you do not have sufficient funds to your cover.‌ You do not have the right to withdraw funds that exceed the available balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to on your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for When an item overdraws your account, we can either pay or return the item. You cannot choose which items we pay or return, unless you agree that have opted-into the “Courtesy Overdraft Service,” described below, which covers ATM and everyday debit card transactions. If we may treat get a batch, or multiple batches, of items in a day (for example, checks, ATM purchase transactions, and debit card purchase transactions typically come in batches), and if one, some or all of them as would overdraw your account if we received all transactions at the same time at the end of the business day. During the daypaid, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen will post items in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, accordance with the other transactions we receive for that day“Order of Payments” section within this Agreement. You should note that often we do not receive debits If you make a deposit on the same day that you conduct theman item, service charge or transaction creates an overdraft (a “temporary” or “intra-day overdraft”), we may charge the fee for the overdraft since the covering deposit may not be posted until the end of the Business Day. As See the Fee Schedule (“Overdraft Paid Item Fee”). In some cases (e.g., deposits received after our processing cutoff hour), the deposit may not be deemed received until the next Business Day. We also may impose a fee for deposited items that are returned. See the Fee Schedule (“Returned Deposit Item Fee,” “NSF Returned Item Fee”). When an exampleoverdraft fee is imposed, when you use it operates to reduce the available balance in your debit card account. The available balance in your account is the amount of funds available for withdrawal and authorizing transactions. Your available balance may be less than the ledger balance or the collected balance. The available balance may not include the following: (i) the amount of pending transactions, such as point-of-sale transactions; (ii) funds on hold in accordance with our funds availability policy; (iii) funds related to pay our receipt of a notice that a transaction will be presented or returned; (iv) our receipt of legal process related to funds in your account; and (v) funds frozen for another reason, such as funds pledged as collateral for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which loan or commitment you conduct them or we receive themhave made.

Overdrafts. If any Item or other debit presented to us will overdraw the available account balanceYou understand that we may, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving depositsdiscretion, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or honor withdrawal requests that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to overdraw your account. We are However, the fact that we may honor withdrawal requests that overdraw the account balance does not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transitobligate us to do so later. Processing Transactions and Posting Orders Posting transactions So you can NOT rely on us to pay overdrafts on your account impacts regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past. Items drawn on your account are processed as they are received. Items processed against your account(s) multiple times a day are referred to as presentment files; this is beyond the control of the credit union. Each presentment file received commonly contains a large amount of a specific type of item (Check, ACH, or ATM/POS). It is common for each of these presentment files to contain multiple items to be processed against your particular account. In this case, when multiple items are received at once, the items will be paid as follows: checks are paid in order of check number, lowest to highest; ACH items in each presentment file will post credits first, then debits paid by dollar amount, lowest to highest. Multiple presentments by other parties may further overdraw your account balance. Posting Each presentment will be charged a credit increases your balance. Posting separate overdraft fee even though it may be for a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and feesrepeat presentment. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for can change our practice of paying overdrafts on your account on the same daywithout notice to you. You can ask us if we have other account services that might be available to you where we commit to paying overdrafts under certain circumstances, such as an overdraft protection line-of-credit or a plan to sweep funds from another account you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start have with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accountus. You agree that we may determine charge fees for overdrafts. For consumer accounts, we will not charge fees for overdrafts caused by ATM withdrawals or one- time debit card transactions if you have not opted-in our discretion the categoriesto that service. We may use subsequent deposits, the transactions within a categoryIncluding direct deposits of social security or other government benefits, the order among categoriesto cover such overdrafts and overdraft fees. Multiple signatures, electronic check conversion, and similar transactions - An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the posting orders within Electronic Fund Transfers regulation. In those types of transactions the check or similar item is either removed from circulation (truncated) or given back to you. As a category. We sometimes add or delete categoriesresult, change posting orders within categories and move transaction types among categorieswe have no opportunity to review the check to examine the signatures on the item. You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures. Individual Account - is an account in the name of one person. Joint Account - With Survivorship (And Not as Tenants In Common) - is an account in the name of two or more persons. Each of you intends that when you die the balance in the account (subject to any previous pledge; to which we may have agreed) will belong to the survivor(s). If two or more of you survive. You will own the balance in our discretion make the account as joint tenants with survivorship and not as tenants in common. Joint Account - No Survivorship (As Tenants In Common) - is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the "number of signatures" necessary for withdrawal. Revocable Trust or Pay-On-Death Account - If two or more of you create this type of account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating either of these changes account types may: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time time. In Pennsylvania, OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - these rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account - is an account in the name of one person. Joint Account - With Survivorship (And Not as Tenants In Common) - is an account in the name of two or more persons. Each of you intend that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account - No Survivorship (As Tenants In Common) - is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the "number of signatures" necessary for withdrawal. Revocable Trust Account - If two or more of you create such an account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, such beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating this account type reserve the right to: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time. In West Virginia, OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account - is an account in the name of one person. Joint Account - With Survivorship (And Not as Tenants In Common) - is an account in the name of two or more persons, each of you intend that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Joint Account - No Survivorship (As Tenants In Common) - is owned by two or more persons, but none of you intend (merely by opening this account) to create any right of survivorship in any other person. We encourage you to agree and tell us in writing of the percentage of the deposit contributed by each of you. This information will not, however, affect the “number of signatures" necessary for withdrawal. Revocable Trust or Pay-On Death Account - If two or more of you create this type of account, you own the account jointly with survivorship. Beneficiaries cannot withdraw unless: (1) all persons creating the account die, and (2) the beneficiary is then living. If two or more beneficiaries are named and survive the death of all persons creating the account, beneficiaries will own this account in equal shares, without right of survivorship. The person(s) creating either of these account types may: (1) change beneficiaries, (2) change account types, and (3) withdraw all or part of the account funds at any time. BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS – Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. You represent that you have the authority to open and conduct business on this account on behalf of the entity. We may require the governing body of the entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the entity. STOP PAYMENTS - Unless otherwise provided, the rules in this section cover stopping payment of items such as checks and drafts. Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed these rules to you elsewhere, you may ask us about those rules. TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Unless a different limitation is disclosed in writing, we restrict the number of transfers from a savings account to another account or to third parties, to a maximum of six per month (less the number of "preauthorized transfers" during the month). Other account transfer restrictions may be described elsewhere. In Maryland, AMENDMENTS AND TERMINATION - We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately in the Truth-in- Savings disclosure or in another document. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account if your membership in the credit union terminates, or by giving reasonable notice to youyou and tender of the account balance personally or by mail. Posting Orders Determined at End of Day We receive credits, debits and holds throughout Items presented for payment after the dayaccount is closed may be dishonored. Regardless of when during the day we receive transactions for When you close your account, you agree that are responsible for leaving enough money in the account to cover any outstanding items and charges to be paid from the account. Reasonable notice depends on the circumstances, and in some cases such as when we may treat them as cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, suspect fraudulent activity with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits respect to your account, we might immediately freeze or close your account and report them on then give you notice. At our option, we may suspend your statementrights to member services if you violate the terms of this agreement. You must keep us informed of your current address at all times. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new term(s). In Pennsylvania and West Virginia, AMENDMENTS AND TERMINATION - We may change our bylaws and any term of this agreement. Rules governing changes in a different order than rates are provided separately in the order Truth-in-Savings disclosure or in which another document. For other changes we will give you conduct them reasonable notice in writing or we receive them.by any other method permitted by law. We may

Overdrafts. If any Item The Credit Union is under no obligation, unless it has contracted to the contrary, to pay a check or other debit presented transaction you have written or authorized if it would result in this Checking Account being overdrawn. However, the Credit Union may pay such a transaction and charge the amount of the resulting overdraft plus any applicable service charge against your Regular Share Account or any of your other accounts. Subject to us will applicable law, the Credit Union may pay checks or other transactions 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 transaction results in an insufficient balance in your Checking Account to pay one or more other transactions that otherwise could have been paid out of your Checking Account. The Credit Union has the option of honoring an overdraft transaction or dishonoring it to avoid the creation of an overdraft. Honoring of past overdrafts does not obligate the Credit Union to honor them in the future. The Credit Union is not required to send prior notice of transactions returned because th ey would, if paid, overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor itaccount. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals The amount by which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by overdrawn is due and payable to the issuing financial institution for any reasonCredit Union upon our demand, and you agree to pay us the full amount of it to us, together with any applicable fees as set forth in the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other depositFee Schedule. You also authorize us us, in such a case, to debit your apply from any other shares or deposits you may have in the Credit Union (except for an Individual Retirement Accounts or other account for permitting tax deferrals or providing other tax benefits under state or federal law) any amount necessary to pay such overdrawn amount and fees. If this is a joint account, all of the Joint Owners are jointly and severally liable to repay the Credit Union the amount of any overdraft and service charges, regardless of which of the parties writes the check or authorizes the transaction that creates an overdraft. If the Credit Union has contractually agreed to provide you with overdraft protection, such as through a share transfer agreement, it will pay overdrafts in accordance with the terms of the applicable agreement(s) when sufficient funds are available through such agreements to pay the overdrafts. When determining whether a check or other transaction drawn on your Checking Account is a nonsufficient funds transaction, bo th for the purpose of determining whether and how to honor the transaction and whether a fee related to it being an overdraft may be charged, the Credit Union will use the “Available Balance” for your Checking Account at the time the transaction is presented. The Available Balance is the balance shown on our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover books (“Ledger Balance”) reduced by (i) the amount you owe us. We are not responsible for of any transactionsholds in place with respect to deposited checks or other items, including (ii) the amount in the account that is subject to any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited preauthorization requests related to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to account that have been accepted by the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.Credit Union,

Overdrafts. If any Item there are insufficient funds available in your account to pay a check or other debit presented to us will overdraw the available account balancetransaction such as an ACH, including any balance in it may be returned unpaid. However, we may, at our sole discretion, create an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay by paying the Item check or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable chargesother transaction. In connection with overdraftseither case, our determination there will be an Overdraft Fee charged for each check or other transaction. There are two types of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one timeOverdraft Fees. If we decide to pay Items the item (check/ACH) you will be charged an Insufficient Fund (NSF) Fee. If we return a check or permit withdrawals which overdraw the available Deposit Account balance ACH unpaid due to insufficient funds in your account, you will be charged a Returned Item Fee. Each of these returned items may be resubmitted (whether once re-presented) to our bank for payment one or repeatedly)more times, typically by a merchant. If your account continues to have insufficient funds, we do so at our discretion without any obligation may choose to continue to do soreturn the same check/ACH each time it is re-presented. Our Receipt of Deposits In receiving depositsThis means that you can be charged multiple Returned Item Fees for the same check or ACH transaction. We charge no more than five NSF and/or Returned Item Fees (combined) per day. Since you cannot control whether the merchant may re-present your check or ACH transaction, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted make efforts to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item contact you deposited to when your account or that we cashed for you, or if any direct deposit, automated clearinghouse has a negative balance; and ask you to make a deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reasonprevent further overdraft fees. Nonetheless, you agree to pay us the amount of any overdraft immediately, with or without notice or demand from us. Each account holder or signer is jointly and severally responsible for paying any overdraft amounts created by any authorized signer(s) or party to the dishonored deposited fundsaccount, and you regardless of whether an account holder signed the check or received any benefit from the check. You, therefore, authorize us to debit apply any subsequent deposit to the account with us of which you are an owner, without prior notice and at any time, for against the amount of the returned item any overdraft and resulting fees or other deposit. You also authorize us charges, including any federal or state benefit payments that you choose to debit your deposit in any account for the amount (including direct deposit of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe usSocial Security benefits). We are not responsible for any transactions, including any transactions sent through obligated to continue paying items which create an overdraft even if we have done so in the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizationspast, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may refuse to do so in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in future without any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits An ATM withdrawal or Debit Card transaction that would create an overdraft in your account will not be permitted and holds throughout the daytransaction will be declined. Regardless of when during the day we receive An Insufficient Fund (NSF) Fee will not be applied for an overdraft granted for ATM and Debit card transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card due to pay for a purchase at situation where a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themsystem failure occurs.

Overdrafts. If Although we are under no obligation to pay any Item or other debit presented to us will overdraw that exceeds the available account balance, including any fully paid and collected share balance in the Account, we may, at our option, pay such Item or permit the withdrawal even though the payment or withdrawal causes an overdraft protection account ("ODP Account") we have established for youin the account. The Credit Union, by covering one or more overdrafts, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. We pay overdrafts at our uncontrolled discretion. Therefore, we do not guarantee that we will charge you a fee, whether we always authorize and pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one timeparticular transaction. If we do not authorize and pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly)an overdraft, we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final paymenttransaction will be declined. If final payment is not received on any the Credit Union decides to pay an item you deposited to that overdraws your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reasonAccount, you agree to immediately pay us the overdraft amount plus a fee as disclosed in the Fee Schedule. The Credit Union considers the Available Balance when determining the balance upon which to pay an Item. In the event there is a negative balance, each signer on the Account and each Account Owner is jointly and severally liable for the negative balance, any fees incurred, and interest thereon. The Credit Union may charge the amount of the dishonored deposited fundsnegative balance against any other account from which any of you, jointly or individually, are entitled to withdraw money or establish a credit advance pursuant to any credit agreement between any of you and you authorize us to debit any deposit the Credit Union. Your share draft account with us has two kinds of which you are an owner, without prior notice balances: the actual balance and at any time, for the available balance. Your actual balance reflects the full amount of the returned item or other deposit. You also authorize us all deposits to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any as well as payment transactions sent through the mail, until we actually receive and post the transaction that have been posted to your account. We It does not reflect checks you have written and are still outstanding or transactions that have been authorized but are still pending. Your available balance is the amount of money in your account that is available for you to use and is the most current record we have about the funds in your account. Your available balance is your actual balance less: (1) holds placed on deposits; (2) holds based upon pending debit card or other transactions that have been authorized but are not liable for yet posted; and (3) any other holds, such as holds related to pledges of account funds and minimum balance requirements or to comply with court orders. Your available balance is updated throughout the default or negligence day as transactions are posted. We use your available balance to determine whether there are sufficient funds in your account to pay items, including checks and drafts, as well as Automated Clearing House (“ACH”), debit card and other electronic transactions. Pending transactions and holds placed on your account may reduce your available balance and may cause your account to become overdrawn regardless of our duly selected agents or correspondentsyour actual balance. If a merchant obtains a prior authorization on funds but fails to submit a one-time debit transaction within three business days of that authorization, nor for losses in transitwe must release the authorization hold. Processing The available balance will not reflect this one-time debt transaction once the hold has been released, but the transaction may still post to the account. You should assume that any item which would overdraw your account based on your available balance may create an overdraft. You may still overdraw your account even though the available balance appears to show there are sufficient funds to cover a transaction. Your Available Balance is displayed on mobile app, online banking, receipt, and telephone banking. How Transactions are Posted to Your Account. Basically, there are two types of transactions that affect your account: credits (deposits of money into your account) and Posting Orders Posting transactions debits (payments out of your account). It is important to understand how each is applied to your account impacts so that you know how much money you have and how much is available to you at any given time. Deposits (and credits) are generally posted to your account balancewhen we receive and process them. Posting However, in some cases when you deposit a credit increases check, the full amount of the deposit may not be available to you at the time of deposit. Please refer to the Funds Availability Policy Disclosure provided at the time you opened your balanceaccount for details regarding the timing and availability of funds from deposits. Posting a Debits (payments from your account). There are several types of debit or hold reduces your balancetransactions. Credits include but Common debit transactions are Checks, ACH Payments, PIN Based Debit Card Purchase Transactions, and Signature-Based Debit Card Purchase Transactions. There are many ways transactions are presented for payment by merchants, and we are not limited necessarily in control of when transactions are received. The following frequently-used transactions are processed in groups: 1. Checks cashed by our employees or that you have written to the following: teller depositsCredit Union; 2. Items that are submitted electronically, direct deposits and credits we make. Holds include but are not limited to the following: deposit holdssuch as ACH items, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, preauthorized transfers, telephone initiated transfers and feesany other authorized electronic transfers, such as ATM withdrawals; 3. We use automated systems Debit card or POS transactions that merchants have presented to process transactions and then us for payment; 4. Transfers from one account to post transactions another; 5. ACH debits; 6. Checks written to accountsthird parties. When we process multiple transactions for your account on the same day, you agree that we Transactions may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds be processed in any order at our optiondepending upon type and when received by the Credit Union. Posting Orders This section summarizes how we generally post some common transactions Example: Member A has an Available Account Balance of $500.00. A check is deposited for $500 and $250 is made available immediately and the other $250 is placed on a 2-business day hold. The Available Balance would be $750.00 and the Balance would be $1,000.00. Items presented in any manner above would be paid or approved based on the Available Balance of $750.00. Example: Member B has an Available Balance of $500.00 with a balance of $550.00 due to your accounta recent Debit Card transaction for $50.00 that is pending. We group A check/share drafts is presented for payment in the different types amount of transactions into categories$525.00. We use several different categories for holds, credits, and debits. Most categories include The check is more than one transaction type. After the end of Available Balance so the business dayitem would be returned as Insufficient or paid using Overdraft Privilege (ODP), our automated systems assign each transaction received for that day to resulting in a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your negative balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an exampleHowever, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final pending debit card transaction for payment posts it will not result in an additional fee. Example: Assume the member has an available balance of $25.00 in her share account and posting until several days latera $35 debit card transaction posted to her account. We generally post credits If this member has not opted in to Overdraft Privilege the debit card transaction would be rejected and debits to your accountreturned, and report them on your statement, but a Return Check/Overdraft Charges fee of $35.00 would be charged resulting in a different order than new Available Balance -$10.00 or negative ($10.00). Assume the order member has an Available Balance of negative $525.00 in which you conduct them her share account and a $10 transaction posts to her account. The member’s maximum overdraft limit is negative $500.00 so this $10.00 transaction would be rejected and a Return Check/Overdraft Charges fee would be charged. This would result in a new Available Balance of -$560.00 or we receive them.negative $565.00. Account Opted-In Reg E - Authorize and Pay Every Day Debit Card Transactions Date Transaction Transaction History Hold Amounts/Pending* Available Balance Balance Business Day 1 Beginning Balance $10.00 $10.00 Business Day 1 Check Deposit for $500. $250 released immediately, rest in 2 business days. $500 ($250) $260.00 $510.00 Business Day 1 Debit Card Purchase $400 ($400) ($140.00) $110.00 Business Day 1 ODP Fee $35 ($35) ($175.00) $75.00 Business Day 3 Remaining Hold release from $500 check dep $250 $75.00 $75.00 Business Day 3 Debit Card Authorization $10 - Company XYZ ($10) $65.00 $75.00 Business Day 3 Debit Card Authorization $20 - Company ABC ($20) $45.00 $75.00 Business Day 3 Draft #1001 withdrawal $50.00 ($50) ($5.00) $25.00 Business Day 3 ODP Fee $35 ($35) ($40.00) ($10.00) Business Day 4 Debit Card Purchase $10 from Company XYZ ($10) $10 ($40.00) ($20.00) Business Day 4 Debit Card Purchase $20 from Company ABC ($20) $20 ($40.00) ($40.00) Business Day 5 Direct Deposit $480.00 $480 $440.00 $440.00 Business Day 5 ACH withdrawal $240.00 ($240) $200.00 $200.00 Business Day 5 ATM withdrawal $100 ($100) $100.00 $100.00 Business Day 6 Debit Card authorization $150 - Company LMN ($150) ($50.00) $100.00 Business Day 7 Debit Card withdrawal $150 from Company LMN ($150) $150 ($50.00) ($50.00) Business Day 7 ODP Fee $35 ($35) ($85.00) ($85.00) Business Day 7 Check Deposit $200.00 $200 $115.00 $115.00 Account Opted-Out Reg E - Do NOT Authorize and Pay Every Day Debit Card Transactions Date Transaction Transaction History Hold Amounts/Pending* Available Balance Balance Business Day 1 Beginning Balance $10.00 $10.00 Business Day 1 Check Deposit for $500. $250 released immediately, rest in 2 business days. $500 ($250) $260.00 $510.00 Business Day 1 Debit Card Purchase $300 -Company XYZ - Declined funds not available $260.00 $510.00 Business Day 3 Remaining Hold release from $500 check dep $250 $510.00 $510.00 Business Day 3 Draft #1001 withdrawal $50.00 ($50) $460.00 $460.00 Business Day 3 Debit Card Authorization $400 - Company XYZ ($400) $60.00 $460.00 Business Day 3 Debit Card Authorization $20 - Company ABC ($20) $40.00 $460.00 Business Day 3 Draft #1001 withdrawal $50.00 ($50) ($10.00) $410.00 Business Day 3 ODP Fee $35 ($35) ($45.00) $375.00 Business Day 4 Debit Card Purchase $400 from Company XYZ ($400) $400 ($45.00) ($25.00) Business Day 4 Debit Card Purchase $20 from Company ABC ($20) $20 ($45.00) ($45.00) Business Day 5 Direct Deposit $485.00 $485 $440.00 $440.00 Business Day 5 ACH withdrawal $240.00 ($240) $200.00 $200.00 Business Day 5 ATM withdrawal $100 ($100) $100.00 $100.00 Business Day 6 Debit Card authorization $95 -Company EGG ($95) $5.00 $100.00 Business Day 7 Debit Card withdrawal $95 from Company EGG as $105.00 due to tip ($105) $95 ($5.00) ($5.00) Business Day 7 Check Deposit $200.00 $200 $195.00 $195.00 Business Day 8 ACH withdrawal $200 ($200) ($5.00) ($5.00) Business Day 8 Check Deposit $50 $50 $10.00 $10.00

Overdrafts. If We may pay or decline to pay any Item or item when it is presented if your available balance is less than the amount of that item plus all other debit items received but not yet paid. We look at your available balance only once when the item is presented to us will overdraw the to decide if you have enough funds available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we to pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one timeitem. If we pay Items or do permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reasonsuch a withdrawal, you agree to pay us the amount overdrawn amount, and all applicable fees, as soon as we give you notice of the dishonored deposited fundsoverdraft. To determine when funds are available to pay items, please see our Funds Availability Policy, above. Under our standard overdraft practices, we may authorize and pay overdrafts for the following types of transactions: ▪ checks and other transactions made using your checking account number; ▪ automated bill payments. We will not authorize and pay for the following types of transactions unless you authorize ask us to do so: ▪ ATM transactions; ▪ everyday debit any deposit account with us of which you are an owner, without prior notice and card transactions. You may choose to change your preference at any timetime by notifying us at any branch office, by calling our Contact Center at ▇-▇▇▇-▇▇▇-▇▇▇▇ or mailing a request to our Contact Center, ▇▇▇ ▇▇▇▇▇▇▇▇ ▇▇▇▇, ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. We will charge a fee during nightly processing for any item presented on a business day when you do not have sufficient funds available in your account to pay the amount item, whether or not we pay the item. If we pay it, either by advancing funds or allowing you to deposit immediately available funds to your account to cover the item, we will charge an Insufficient Funds Fee. If we return it, we will charge a Return Item Fee (even if we later decide to pay that item after we had initially decided to return it). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of the returned item or other deposit. You also authorize transaction even if you have asked us to debit do so and even if we have done so in the past. Fees may be applied to each individual item that overdraws your account account, even if we do not honor it. Refer to your product information and Personal Fee Schedule for the amount of our returned item fee, any interest paid on the deposit, information about what fees apply and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We how fees are not responsible calculated for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable may limit the number of Return Item and Insufficient Funds fees we charge for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note You may opt out of our standard overdraft practices and request that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits automatically pay items causing an overdraft by calling our Contact Center at ▇-▇▇▇-▇▇▇-▇▇▇▇ or by visiting any branch office. You may also request overdraft protection for your checking account if you want to link either another one of your checking or statement savings accounts to automatically transfer the amount needed, up to the available balance in the linked account, to cover checks or withdrawals that would overdraw your checking account.‌ Ownership of your account is determined by the most current signature card. However, we are authorized (but not required) to rely on the same day account ownership information contained in our deposit system unless you notify us that you conduct them. As an example, when you use your debit the most current signature card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a deposit system contain different order than the order in which you conduct them or we receive theminformation.

Overdrafts. Overdraft Liability If on any Item date, the funds in your share draft/checking account are not sufficient to cover drafts, fees, or other debit presented items posted to us your account, those amounts will overdraw the available account balance, including any balance be handled in accordance with our overdraft procedures or an overdraft protection account ("ODP Account") we plan you have established for you, we will charge you a fee, whether we pay the Item or dishonor itwith us. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our Our determination of the Deposit Account an insufficient account balance may will be made at item presentation with only one review of the account. We do not have to notify you if your share account does not have the funds to cover drafts, fees, or other posted items. Whether the item is paid or returned, your account may be subject to a charge as set forth in the Rate & Fee Schedule. Except as otherwise agreed in writing, we, by covering one or any overdraft, do not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time between presentment and our predetermined deadline, and need only be made one timewithout notice. If we pay Items a draft or permit withdrawals which impose a fee that would otherwise overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reasonaccount, you agree to pay us the overdrawn amount immediately. We reserve the right to pursue collection of the previously dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and items at any time, for the amount of the returned item or other depositincluding giving a payor bank extra time beyond any midnight deadline limits. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee Overdraft Protection Plan If we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions have approved an overdraft protection plan for your account, we will honor drafts drawn on insufficient funds by transferring funds from another account under this Agreement or a loan account, as you agree that we may treat them have directed, or as if we received required under our overdraft protection policy. The fee for overdraft transfers is set forth on the Rate & Fee Schedule. This Agreement governs all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order except those governed by agreements for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themloan account(s).

Overdrafts. If any Item You understand that we may, at our discretion, honor withdrawal requests that overdraw your account. However, the fact that we may honor withdrawal Important information regarding “decoupled” cards - Decoupled debit cards are debit cards offered or issued by an institution or merchant other debit presented to us will overdraw the available account balance, including any than us. As Balance information - Keeping track of your balance is important. You can review your balance in a number of ways including reviewing your periodic statement, Funds availability - Knowing when funds you deposit will be made available for withdrawal is another important concept that can help you avoid being assessed fees or charges. Please see our funds availability disclosure (generally titled, “Your Ability to Withdraw Funds”) for information on when different types of deposits will be made available for withdrawal. For an overdraft protection account ("ODP Account") we have established to which our funds availability policy disclosure does not apply, you can ask us when you make a deposit when those funds will be available for youwithdrawal. An item may be returned after the funds from the deposit of that item are made available for withdrawal. In that case, we will charge you a fee, whether we pay reverse the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination credit of the Deposit Account balance item. We may be made determine the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time between presentment the times we receive the item and our predetermined deadline, and when we return the item or send a notice in lieu of return. We need only be made make one timedetermination, but if we choose to make a subsequent determination, the account balance at the subsequent time will determine whether there are insufficient available funds. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to A temporary debit authorization hold affects your account or that we cashed for youbalance - On debit card purchases, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit merchants may request a temporary hold on your account for the amount a Payment order of our returned item fee, any interest items - The order in which items are paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are is important if there is not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance enough money in your account at the beginning to pay all of the business dayitems that are presented. The BUSINESS, subtract holds ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless STOP PAYMENTS - The rules in this section cover stopping payment of items such as checks and drafts. Rules for stopping payment of other types of transfers of TELEPHONE TRANSFERS - A telephone transfer of funds from your balancethis account to another account with us, and make if otherwise arranged for or permitted, may be made by the AMENDMENTS AND TERMINATION - We may change any adjustments from prior daysterm of this agreement. NextFor such changes, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine will give you reasonable notice in writing or by any other CORRECTION OF CLERICAL ERRORS - Unless otherwise prohibited by law, you agree, if determined necessary in our discretion the orders in which we post transactions reasonable discretion, to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice allow us to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.correct

Overdrafts. If A request for a withdrawal of any Item or other debit presented kind that exceeds the available balance in your account at the time that the withdrawal is processed is deemed to us will be an “overdraft” and is governed by the provisions in this section. You agree that we may, at our discretion, honor withdrawal requests that overdraw your account. However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later. It is not incumbent on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past. We can change our practice of paying overdrafts on your account without notice to you. You can ask us if we have other account services that might be available account balanceto you where we commit to paying overdrafts under certain circumstances, including any balance in such as an overdraft protection line-of credit or a plan to sweep funds from another account ("ODP Account") we you have established for you, we will charge you a fee, whether we pay the Item or dishonor itwith us. You agree immediately upon notice from us that we may charge fees for overdrafts. Non-Sufficient Funds Transactions We are not obligated to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at pay any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only item presented for payment if the item exceeds the available balance in your account.Any discretionary payment (or other negotiation or processing) by us of any non-sufficient fund check or checks (or other item) does not obligate us to pay any additional non-sufficient fund check or item or to provide prior notice of its decision to refuse to pay any additional nonsufficient fund check or item. You agree that we may charge a Non-Sufficient Funds (NSF) fee for returning or rejecting transactions presented against your account that would exceed the available balance in your account. You further agree that we may charge an NSF fee each time a transaction is payable presented or submitted for payment even if the same transaction is presented for payment multiple times. For example, if you wrote a check to a vendor (or other individual or entity) who submitted the check to us for payment and we returned the check (resulting in U.S. dollarsan NSF fee), subject the vendor may re-present the check for payment again (or may convert the check into an ACH debit and submit the transaction for payment). If the second and any subsequent presentments or submissions are returned unpaid, we may charge a fee for each time we return or reject the transaction. You understand this means you could be charged multiple fees for one check that you wrote as that check could be presented (including as an ACH debit) and returned more than once. Similarly, if you authorize a vendor (or other individual or entity) to our receipt electronically debit your account, such as an ACH debit, you understand there could be multiple submissions of final the electronic request which could result in multiple fees. You agree that the Credit Union does determine whether and when a transaction will be presented or submitted for payment. Rather, the Credit Union determines whether or not the available balance is sufficient to pay a presented or submitted transaction. No Two-Signature Requirements We do not offer accounts on which two (2) or more signatures are required for a check or withdrawal. If final payment you indicate on your checks or signature card or other account documents that more than one (1) signature is required for withdrawal, this indication is for your own use and is not received binding on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incurus. We may also use pay out funds from your account if the check, item, or other withdrawal instruction is signed or approved by any other legal remedy one of the persons authorized to recover sign on the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable to you if we do this. Stop Payment We may accept an order to stop payment on any item from any one of you. You must make any stop payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before the item is presented. Your stop payment order must provide us with sufficient information to identify the appropriate item through an automated means, minimally the account number and check number. If the information that you give us is not correct, or if you do not give us any other reasonable information that we ask for about the default check or negligence of our duly selected agents debit, or correspondentsif you do not give us the information within a reasonable time before the check or debit is presented, nor for losses in transitwe will not be responsible if we are not able to stop it. Processing Transactions and Posting Orders Posting transactions to You may stop payment on any item drawn on your account impacts whether you sign the item or not. Stop payment orders that you provide in writing are effective for six (6) months. Your order will lapse after that time if you do not renew the order in writing before the end of this period. Stop payment orders received orally will lapse after 14 calendar days if you do not confirm your account balanceorder in writing within that time period. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but We are not limited obligated to notify you when a stop payment order expires. A release of the following: teller depositsstop-payment request may be made only by the person who initiated the stop-payment order. If you stop payment on an item and we incur any damages or expenses because of the stop payment, direct deposits and credits you agree to indemnify us for those damages or expenses, including attorneys’ fees. You assign to us all rights against the payee or any other holder of the item. You agree to cooperate with us in any legal actions that we makemay take against such persons. Holds include but You should be aware that anyone holding the item may be entitled to enforce payment against you despite the stop- payment order. We are not limited obligated to the following: deposit holdsaccept a stop payment order on any cashier’s check, debit card authorizationstreasurer’s check, and holds related certified check, or money order. If we agree to cash withdrawals and electronic transfersdo so, we may first require you to post a surety bond indemnifying us for any potential damages and/or file a declaration of loss in any form we reasonably request. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. Check Processing We use automated systems in the processing of checks in order to process transactions handle a high volume of items at the lowest possible cost to you. You agree that, to the extent such systems are comparable to those used in general banking practice, their use will constitute ordinary care, and then we will not be liable to post transactions you for forgeries or alterations not detected by such systems. You also agree that the exercise of ordinary care will not include detecting forgeries or alterations that could not be detected by an ordinary person acting with reasonable care. Legal Actions Affecting Your Account If we are served with a subpoena, restraining order, writ of attachment or execution, levy, garnishment, search warrant, or similar order relating to accounts. When we process multiple transactions for your account on (termed “legal action” in this section), we will comply with that legal action. Or, in our discretion, we may freeze the same dayassets in the account and not allow any payments out of the account until a final court determination regarding the legal action. We may do these things even if the legal action involves less than all of you. In these cases, we will not have any liability to you agree if the available balance is insufficient to pay your items because we have withdrawn funds from your account or in any way restricted access to your funds in accordance with the legal action. Any fees or expenses we incur in responding to any legal action (including, without limitation, attorneys’ fees and our internal expenses) may be charged against your account. The list of fees applicable to your account(s) provided elsewhere may specify additional fees that we may charge for certain legal actions. Instructions Received by Telephone Unless required by law or we have agreed otherwise in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Nextwriting, we generally add credits are not required to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within act upon instructions you give us via facsimile transmission or leave by voice mail or on a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themtelephone answering machine.

Overdrafts. If any Item or other debit presented An overdraft occurs when you do not have enough money in your Available balance to us will overdraw the available account balancepay an Item, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether but we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe usit anyway. We are not responsible for any transactionsobligated to pay an Item presented if your Available balance is not sufficient; but we may, in our discretion, pay it and charge you an overdraft fee or return the Item and charge you a non-sufficient funds (NSF) fee, if applicable. An insufficient Available balance can result from several events, such as (1) the payment of Items including any transactions sent through checks, electronic funds transfers or other withdrawal requests; (2) payments authorized by you; (3) the mailreturn of unpaid Items deposited by you; (4) bank service charges; or (5) the deposit of Items which, until according to our Funds Availability Policy section, that are treated as not yet available or finally paid. We do not guarantee that we actually receive will always, or ever, authorize and post the transaction to pay an overdraft on your account. We If we overdraw your account to pay Items on one or more occasions, we are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions obligated to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and feescontinue paying future overdraft items. We use automated systems may pay all, some, or none of your overdrafts, without notice to process transactions and then you. Since the balance reflected on your bank statement is not the Available balance, you may incur an overdraft fee or NSF fee even though the statement indicates that the balance was sufficient to post transactions to accounts. When we process multiple transactions for your account pay the Item on the same day, you day it was presented. You agree that if any Item is presented again after having previously been returned unpaid by us, an overdraft fee or NSF fee may be applied each time the Item is presented for payment and your Available balance is insufficient to pay the Item. You will be notified by mail or electronic delivery, if you have agreed to receive electronic communications, of any overdraft Items paid or Items returned for non-sufficient funds; however, we may in our discretion determine our posting orders for the transactions and that have no obligation to notify you before we may credit, authorize, accept, pay, decline pay or return credits, debits and holds in any order at our optionItem. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include If there is an Item paid by us on an account with more than one transaction typeowner on the signature card or account record, each owner and agent, if applicable, presenting the Item creating the overdraft, shall be jointly and severally liable for such overdraft plus our standard overdraft fee for Items paid. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting The order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions and the impact it could have on overdrafts and overdraft fees on your account is outlined in the Posting Order section. You can avoid fees for overdrafts and non-sufficient funds and the possibility of returned checks or other Items by ensuring that your account contains a sufficient Available balance for all your transactions. Banking services such as direct deposit and electronic banking, including text alerts, may help you avoid overdrafts and returned Items and may reduce the fees charged to your account. You agree that Please inquire about our other services listed below. The sweep transfer from your protecting account will generally be the exact amount of funds necessary to provide a sufficient Available balance in your protected account to pay the items presented. However, there may be instances where the sweep transfer is not sufficient. If this occurs, we may determine in our discretion pay the categories, Item(s) and charge you overdraft fee(s) or return the transactions within a category, the order among categories, Item(s) and the posting orders within a categorycharge you NSF fee(s). We sometimes add do not guarantee that Sweep Account Service will be sufficient to pay an Item or delete categories, change posting orders within categories and move transaction types among categorieswill prevent overdraft or NSF fees. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits can add this service to your account, and report them on your statementaccount by contacting us by phone, in a different order than the order person, or in which you conduct them or we receive themwriting.

Overdrafts. If An overdraft is created when you have insufficient funds in your Account to cover a check, withdrawal, automatic transfer, electronic transaction (e.g., ATM or point-of-sale purchase), returned deposited item, or any other electronic purchase, payment, or debit. When we receive a check or process an Automatic Clearing House (“ACH”) payment request to debit your Account, and your account has a non-sufficient available balance to pay the check or payment request, we may charge you Paid Item Fees and/or Returned Item Fees (as such terms are defined, respectively, in the Service Fees section of the Accounts Disclosure) each time that check or other debit payment request attempts to clear your Account. When your check or payment request is returned for non-sufficient funds, your check or payment request may be presented and re-presented to us your Account for payment multiple times, and each time that your Account has a non-sufficient available balance to pay the check or payment request, we may charge you a Paid Item Fees and/or Returned Item Fees. This means you may be charged multiple Returned Item Fees (or Returned Item Fees and then a Paid Item Fee, if paid into overdraft) for the same check or ACH payment request that are re-presented for payment when your Account has a non-sufficient available balance. We will process debit and credit ACH transactions throughout the day, in the order they are received in our processing center. Therefore, if an Account withdrawal or debit transaction is processed in the morning and it exceeds your available balance at that time, you may be charged Paid Item Fees and/or Returned Item Fees, even if a deposit or credit transaction occurring later that day raises your available balance above $0.00. We may receive multiple credit or debit transactions on your Accounts in many different forms throughout each day. The best way to know your Available Balance and avoid paying Paid Item Fees and/or Returned Item Fees is to record and track all your transactions closely. Overdraft Privilege Overdraft Privilege is a service that the Bank may, but is not required to, use to pay checks and other withdrawal requests that would otherwise overdraw the available account balance, including your checking Account (or would exceed any balance in an overdraft protection account ("ODP Account") we Overdraft Protection or Reserve Credit Overdraft Line of Credit that you have established for youthe Account). Typically, we the Bank limits Overdraft Privilege on consumer checking Accounts to $800.00 and offers the service only after: (1) an Account has been open for thirty days, and (2) has had at least $400.00 in deposits made to the Account, and (3) has incurred no overdrafts. There is no guarantee that the bank will charge you a feealways authorize and pay your transactions and items. The Bank retains the discretion to decline payment of items or transactions that will overdraw your Account, whether we pay the Item or dishonor it. You agree immediately upon notice and may remove Overdraft Privilege from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit your Account balance may be made at any time between presentment and our predetermined deadlinewithout notice to you. By federal law, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance banks are required to separate transactions into two categories when applying Overdraft Privilege: (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, 1) one-time debit card transactions and ATM withdrawals, and (2) checks, ACH, recurring debit card transactions, and feesall other types of transfers and withdrawals. One-time debit card transactions and ATM withdrawals These types of transactions are not automatically covered by the Overdraft Privilege service. You will be required to “Opt In” if you want the Bank to consider paying these types of transactions. If you “Opt-In” for these transactions, a fee will apply if the transaction is paid (Paid Item Fee) using Overdraft Privilege. The specific fees are disclosed in the Service Fees section of the Accounts Disclosure. If you do not “Opt-In”, the Bank will automatically decline or reject any of these transactions that would overdraw your Account. To “Opt-In”, or subsequently “Opt-Out” of Overdraft Privilege for ATM withdrawals and one-time debit card transactions, you may notify the Bank by calling us at ▇▇▇-▇▇▇-▇▇▇▇, visiting an office or our website, ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇▇▇.▇▇▇. You may revoke your Opt-In or Opt-Out at any time by notifying the Bank through the same channels listed above. Your decision to Opt-In or Opt-Out of Overdraft Privilege will be effective the next business day after we receive your notice, and will apply to all transactions initiated after we have affected such notice. Checks, ACH, recurring debit card transactions, and all other types of transfers and withdrawals These types of transactions are automatically included in the standard Overdraft Privilege service. If you wish to Opt-Out of Overdraft Privilege for these specific types of transactions you must notify the Bank. If you Opt-Out, all of your checks, ACH, recurring debit card transactions and all other transfers and withdrawals will generally be returned unpaid or declined. However, recurring debit card transactions that are authorized when funds are available in your Account but post at a later date when funds are no longer available, may overdraw your Account and these items will be subject to Paid Item Fees even if you are Opted Out of the Overdraft Privilege service. The Paid Item fee for Insufficient/Unavailable Funds will apply when the checks or transactions are paid and the Returned Item Fee will apply for checks or transactions that are returned. The specific fees are 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 use automated systems have no obligation to process transactions and then to post transactions to accounts. When notify you if we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accepthonor, pay, return or decline an item or transaction for a non-sufficient available balance. To Opt-Out of Overdraft Privilege for check, ACH, recurring debit card transactions, and all other items, you may notify the Bank by calling us at ▇▇▇- ▇▇▇-▇▇▇▇ or visiting our nearest office. You may revoke this decision at any time. Your decision to Opt-Out or Opt-In to Overdraft Privilege will be effective the next business day after we receive your notice, and will apply to all transactions initiated after we have affected such notice. If you have multiple overdrafts on any given day, we may honor any one or more and return credits, debits and holds the others in any order at our optionorder. Posting Orders This section summarizes how we generally post some common Multiple Paid Item or Returned Item fees can be charged against your Account per day on these occasions. The Paid Item and/or Return Item fees for all transactions shall be limited to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include no more than one transaction typesix (6) per day. After In addition, if any individual item is $3.00 or less, or any individual item overdraws your Account by $5.00 or less, you will not be charged a fee. The specific fees are disclosed in the end Service Fees section of the business dayAccounts Disclosure and are subject to change from time to time. You are in the best position to ensure that your Account has sufficient funds to cover any check or other debit by maintaining an accurate and current record of your deposits and withdrawals. You have the ability to confirm your current and available Account balances through any Brookline Bank ATM, our automated systems assign each transaction received for that day Telephone Banking, Online Banking, by contacting any office or by calling us at ▇▇▇-▇▇▇-▇▇▇▇ prior to writing a categorycheck, withdrawing cash, or initiating any electronic or debit transaction. We generally post all transactions within a category, using the posting order Current and available balances do not include outstanding checks or orders that apply to that category, before we post any transactions assigned debits not yet submitted to the next categoryBank. We start with Payment of an overdraft creates a debt owed to the balance in your account at Bank. The amount owed includes applicable fees and the beginning amount of the business dayitem(s) paid. The Bank is not responsible for notifying you prior to incurring a Paid Item or Return Item Fee due to Insufficient/Unavailable Funds. Once you are notified that your Account is overdrawn, subtract holds from your balance, you will be required to repay the Bank or to deposit sufficient funds to cover the overdraft and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accountall related fees. You agree and acknowledge that the Paid Item Fee and the Returned Item Fee are designed to compensate the Bank for its costs in processing overdraft items and to compensate the Bank for its risk in electing, at its discretion, to pay certain overdrafts. You further agree that Paid Item and Returned Item fees do not constitute a penalty. If you fail to reimburse the Bank for the overdraft and related fees, we may determine will be entitled to recover our expenses in our discretion collecting the categoriesoverdraft and fees; and any related charges including, without limitation, attorney’s fees and legal costs. The payment of one or more overdrafts does not obligate the transactions within a category, the order among categoriesBank to honor or pay future overdrafts, and you should not rely upon the posting orders within Bank to honor or pay any overdraft. As to any Account with multiple owners, each owner agrees that they are jointly and severally liable for any overdraft paid by the Bank and subsequent Paid Item and Return Item fees. Each owner also agrees that the Bank may debit funds from any other Account held by such owners to repay the overdraft and any related fees. Overdraft Protection Overdraft Protection is a category. We sometimes add service that automatically transfers funds to a qualifying deposit Account to cover an overdraft by one or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end more of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end following methods: (i) transfer of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for funds from a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.designated Overdraft Line of Credit Account;

Overdrafts. If any Item A transaction or other item that results in or creates a negative Available Balance in your Account is called an “Overdraft.” We decide whether to authorize debit presented card transactions and pay items based on the “Available Balance” of funds in your Account. We decide whether to us assess per-item Overdraft fees based on the “Ledger Balance” of funds in your Account. An Overdraft that results in or increases a negative Ledger Balance in your Account will overdraw incur a per-item Overdraft fee as described herein and as set forth in the available account balance, including any balance Fee Schedule. As set forth in an overdraft protection account the Fee Schedule ("ODP Account"see paragraphs 1 and 9 of this Agreement) we have established for youand as permitted by law, we will charge you a fee, assess per-item Overdraft fees for Overdraft items regardless of whether we pay the Item items are paid or dishonor itreturned. You agree immediately upon notice from us to deposit The “Ledger Balance” is the current balance of funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account Account at the beginning of the business dayBusiness Day. For purposes of determining whether to authorize transactions, subtract we determine the “Available Balance” by taking the Ledger Balance and reducing that amount by any outstanding holds from your balancefor deposits that are not yet available under Our Funds Availability Policy; by debit card items we have authorized but not processed for payment; and by intra-day activities (including but not limited to wire transfers, ATM withdrawals, and make any adjustments from prior daysother electronic transfers). NextCertain business operations (e.g., taxis, hotels, rental or leasing companies) may request debit card authorizations in an amount exceeding the amount they ultimately charge you. When we authorize a debit card transaction, we generally add credits establish a hold and reduce your Available Balance by the full amount we authorize (which may differ from the transaction amount) until the item is paid or is no longer considered to your balance be pending. In the event you deposit a check that is not from a guaranteed source, a hold is placed on the Account to the extent and then subtract debits from your balanceduring the period described in the Funds Availability Policy section of this Agreement. Changing Posting Orders You agree In our discretion, we can reduce the time frame for a hold or choose not to place a hold at all. For example, in some cases we are able to verify that we may determine a check has been honored prior to the time a hold would otherwise expire and can manually remove the hold, making funds available earlier in our discretion the orders in which we post transactions to your accountprocess. You agree that we may determine pay checks and other items, including ACH items and other electronic debits to your Account, in any order that complies with applicable law. For example:  We may process deposits before debits.  We may process certain kinds of electronic items, such as debit card, ATM and ACH items, ahead of other kinds of items, such as checks.  We may process certain items based on the time they were authorized by us.  We may process certain items based on the time they were received for processing.  We may process checks in serial number order. Multiple Overdraft fees may be charged to your Account in one day. Also, items returned to the presenting institution as a result of insufficient funds may be re-presented to us multiple times for payment by the presenting institution. If sufficient funds are not available in your Account at the time of re-presentment, an additional Overdraft fee may be incurred. To the extent permitted by law, you authorize us to deduct any Overdrafts and any Overdraft fees from any funds that may thereafter be deposited into the Account, even if those funds come from restricted income sources that are exempt from attachment. We are under no obligation to pay or authorize any item or withdrawal request presented if there are insufficient available funds to cover the item. You agree, however, that, in our discretion sole discretion, we may honor any check, recurring debit card, and/or ACH debits presented to your Account when there are insufficient available funds to cover such items. We also offer an optional discretionary Overdraft service, Overdraft Privilege that may be available to you for ATM and everyday debit card transactions. For each of your Accounts, you can opt in to Overdraft Privilege (or opt out after first opting in) by calling us toll free at 888-999- 9170. You are not eligible for this Overdraft Privilege service unless you have an eligible Account, and you first opt in to the categoriesservice. If you do not opt in to this Overdraft Privilege service and you attempt an ATM or everyday debit card transaction at a time when your Account does not have sufficient available funds to cover the transaction, the transactions within a categorytransaction will be declined. Please note that if you do not opt in to this Overdraft Privilege service for ATM and everyday debit card transactions: (i) we will continue to apply our current Overdraft policies to paper check, the order among categoriesACH, and recurring debit card transactions and (ii) the posting orders within date items are presented for payment and our processing order could still cause a categorypaper check, ACH, or recurring debit card transaction to result in an overdraft of your Account. You agree that payment of any Overdraft item on any occasion(s) does not obligate us to pay any future Overdraft items. We sometimes add have no obligation to notify you before we pay an Overdraft item or delete categories, change posting orders within categories before we return an Overdraft item unpaid. You agree to pay the amount of any Overdraft and move transaction types among categoriesall Overdraft fees immediately upon demand. You agree that we may in our discretion make these changes at pursue any time without notice collection remedy available under applicable law, of which you may become responsible to youreimburse us for any related expenses. Posting Orders Determined at End You should know that:  A maximum of Day 5 per-item Overdraft fees will be charged on any Processing Day.  We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for will not charge any per-item Overdraft fees if your account, you agree that we may treat them as if we received all transactions at the same time Account is overdrawn by $5.00 or less at the end of a Processing Day.  We will not charge any per-item Overdraft fees if the business dayonly debit items we process on a Processing Day are fees we assess. During the day We will charge a one-time Extended Overdraft Fee if your Account is overdrawn in any amount for at least seven consecutive calendar days. Extended Overdraft Fees are based on your Ledger Balance. Under our Overdraft Protect and Overdraft credit services, we show some transactions as processingyou may agree to authorize automatic transfers from a linked Account or through certain credit services to cover Account Overdrafts, subject to availability of funds in your linked Account or availability of credit subject to applicable restrictions and other limitations. As an example, we show some transactions as processing on the Account Details screen Overdraft Protect is described in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at further detail near the end of this Agreement. Credit services that may be used for Overdraft protection are subject to the daystandard applicable credit application, with the other transactions we receive for that dayapproval and execution of credit documents. You should note that often we do not receive debits on the same day that you conduct them. As an exampleFor more information about Overdraft Protect, when you use your debit card to pay for a purchase available credit services, applicable terms and conditions, fees and enrollment, please call us toll free at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them▇▇▇-▇▇▇-▇▇▇▇.

Overdrafts. If Although we are under no obligation to pay any Item or other debit presented to us will overdraw that exceeds the available account balance, including any fully paid and collected share balance in the Account, we may, at our option, pay such Item or permit the withdrawal even though the payment or withdrawal causes an overdraft protection account ("ODP Account") we have established for youin the account. The Credit Union, by covering one or more overdrafts, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. We pay overdrafts at our uncontrolled discretion. Therefore, we do not guarantee that we will charge you a fee, whether we always authorize and pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one timeparticular transaction. If we do not authorize and pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly)an overdraft, we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final paymenttransaction will be declined. If final payment is not received on any the Credit Union decides to pay an item you deposited to that overdraws your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reasonAccount, you agree to immediately pay us the overdraft amount plus a fee as disclosed in the Fee Schedule. The Credit Union considers the Available Balance when determining the balance upon which to pay an Item. In the event there is a negative balance, each signer on the Account and each Account Owner is jointly and severally liable for the negative balance, any fees incurred, and interest thereon. The Credit Union may charge the amount of the dishonored deposited fundsnegative balance against any other account from which any of you, jointly or individually, are entitled to withdraw money or establish a credit advance pursuant to any credit agreement between any of you and you authorize us to debit any deposit the Credit Union. Your share draft account with us has two kinds of which you are an owner, without prior notice balances: the actual balance and at any time, for the available balance. Your actual balance reflects the full amount of the returned item or other deposit. You also authorize us all deposits to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any as well as payment transactions sent through the mail, until we actually receive and post the transaction that have been posted to your account. We It does not reflect checks you have written and are still outstanding or transactions that have been authorized but are still pending. Your available balance is the amount of money in your account that is available for you to use and is the most current record we have about the funds in your account. Your available balance is your actual balance less: (1) holds placed on deposits; (2) holds based upon pending debit card or other transactions that have been authorized but are not liable for yet posted; and (3) any other holds, such as holds related to pledges of account funds and minimum balance requirements or to comply with court orders. Your available balance is updated throughout the default or negligence day as transactions are posted. We use your available balance to determine whether there are sufficient funds in your account to pay items, including checks and drafts, as well as Automated Clearing House (“ACH”), debit card and other electronic transactions. Pending transactions and holds placed on your account may reduce your available balance and may cause your account to become overdrawn regardless of our duly selected agents or correspondentsyour actual balance. If a merchant obtains a prior authorization on funds but fails to submit a one-time debit transaction within three business days of that authorization, nor for losses in transitwe must release the authorization hold. Processing The available balance will not reflect this one-time debt transaction once the hold has been released, but the transaction may still post to the account. You should assume that any item which would overdraw your account based on your available balance may create an overdraft. You may still overdraw your account even though the available balance appears to show there are sufficient funds to cover a transaction. Your Available Balance is displayed on mobile app, online banking, receipt, and telephone banking. How Transactions are Posted to Your Account. Basically, there are two types of transactions that affect your account: credits (deposits of money into your account) and Posting Orders Posting transactions debits (payments out of your account). It is important to understand how each is applied to your account impacts so that you know how much money you have and how much is available to you at any given time. Deposits (and credits) are generally posted to your account balancewhen we receive and process them. Posting However, in some cases when you deposit a credit increases check, the full amount of the deposit may not be available to you at the time of deposit. Please refer to the Funds Availability Policy Disclosure provided at the time you opened your balanceaccount for details regarding the timing and availability of funds from deposits. Posting a Debits (payments from your account). There are several types of debit or hold reduces your balancetransactions. Credits include but Common debit transactions are Checks, ACH Payments, PIN Based Debit Card Purchase Transactions, and Signature-Based Debit Card Purchase Transactions. There are many ways transactions are presented for payment by merchants, and we are not limited necessarily in control of when transactions are received. The following frequently-used transactions are processed in groups: 1. Checks cashed by our employees or that you have written to the following: teller depositsCredit Union; 2. Items that are submitted electronically, direct deposits and credits we make. Holds include but are not limited to the following: deposit holdssuch as ACH items, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, preauthorized transfers, telephone initiated transfers and feesany other authorized electronic transfers, such as ATM withdrawals; 3. We use automated systems Debit card or POS transactions that merchants have presented to process transactions and then us for payment; 4. Transfers from one account to post transactions another; 5. ACH debits; 6. Checks written to accountsthird parties. When we process multiple transactions for your account on the same day, you agree that we Transactions may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds be processed in any order at our optiondepending upon type and when received by the Credit Union. Posting Orders This section summarizes how we generally post some common transactions Example: Member A has an Available Account Balance of $500.00. A check is deposited for $500 and $250 is made available immediately and the other $250 is placed on a 2-business day hold. The Available Balance would be $750.00 and the Balance would be $1,000.00. Items presented in any manner above would be paid or approved based on the Available Balance of $750.00. Example: Member B has an Available Balance of $500.00 with a balance of $550.00 due to your accounta recent Debit Card transaction for $50.00 that is pending. We group A check/share drafts is presented for payment in the different types amount of transactions into categories$525.00. We use several different categories for holds, credits, and debits. Most categories include The check is more than one transaction type. After the end of Available Balance so the business dayitem would be returned as Insufficient or paid using Overdraft Privilege, our automated systems assign each transaction received for that day to resulting in a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your negative balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an exampleHowever, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final pending debit card transaction for payment posts it will not result in an additional fee. Example: Assume the member has an available balance of $25.00 in her share account and posting until several days latera $35 debit card transaction posted to her account. We generally post credits If this member has not opted in to Overdraft Privilege the debit card transaction would be rejected and debits to your accountreturned, and report them on your statement, but a Return Check/Overdraft Charges fee of $35.00 would be charged resulting in a different order than new Available Balance -$10.00 or negative ($10.00). Assume the order member has an Available Balance of negative $525.00 in which you conduct them her share account and a $10 transaction posts to her account. The member’s maximum overdraft limit is negative $500.00 so this $10.00 transaction would be rejected and a Return Check/Overdraft Charges fee would be charged. This would result in a new Available Balance of -$560.00 or we receive them.negative $565.00. Account Opted-In Reg E - Authorize and Pay Every Day Debit Card Transactions Date Transaction Transaction History Hold Amounts/Pending* Available Balance Balance Business Day 1 Beginning Balance $10.00 $10.00 Business Day 1 Check Deposit for $500. $250 released immediately, rest in 2 business days. $500 ($250) $260.00 $510.00 Business Day 1 Debit Card Purchase $400 ($400) ($140.00) $110.00 Business Day 1 ODP Fee $35 ($35) ($175.00) $75.00 Business Day 3 Remaining Hold release from $500 check dep $250 $75.00 $75.00 Business Day 3 Debit Card Authorization $10 - Company XYZ ($10) $65.00 $75.00 Business Day 3 Debit Card Authorization $20 - Company ABC ($20) $45.00 $75.00 Business Day 3 Draft #1001 withdrawal $50.00 ($50) ($5.00) $25.00 Business Day 3 ODP Fee $35 ($35) ($40.00) ($10.00) Business Day 4 Debit Card Purchase $10 from Company XYZ ($10) $10 ($40.00) ($20.00) Business Day 4 Debit Card Purchase $20 from Company ABC ($20) $20 ($40.00) ($40.00) Business Day 5 Direct Deposit $480.00 $480 $440.00 $440.00 Business Day 5 ACH withdrawal $240.00 ($240) $200.00 $200.00 Business Day 5 ATM withdrawal $100 ($100) $100.00 $100.00 Business Day 6 Debit Card authorization $150 - Company LMN ($150) ($50.00) $100.00 Business Day 7 Debit Card withdrawal $150 from Company LMN ($150) $150 ($50.00) ($50.00) Business Day 7 ODP Fee $35 ($35) ($85.00) ($85.00) Business Day 7 Check Deposit $200.00 $200 $115.00 $115.00 Account Opted-Out Reg E - Do NOT Authorize and Pay Every Day Debit Card Transactions Date Transaction Transaction History Hold Amounts/Pending* Available Balance Balance Business Day 1 Beginning Balance $10.00 $10.00 Business Day 1 Check Deposit for $500. $250 released immediately, rest in 2 business days. $500 ($250) $260.00 $510.00 Business Day 1 Debit Card Purchase $300 -Company XYZ - Declined funds not available $260.00 $510.00 Business Day 3 Remaining Hold release from $500 check dep $250 $510.00 $510.00 Business Day 3 Draft #1001 withdrawal $50.00 ($50) $460.00 $460.00 Business Day 3 Debit Card Authorization $400 - Company XYZ ($400) $60.00 $460.00 Business Day 3 Debit Card Authorization $20 - Company ABC ($20) $40.00 $460.00 Business Day 3 Draft #1001 withdrawal $50.00 ($50) ($10.00) $410.00 Business Day 3 ODP Fee $35 ($35) ($45.00) $375.00 Business Day 4 Debit Card Purchase $400 from Company XYZ ($400) $400 ($45.00) ($25.00) Business Day 4 Debit Card Purchase $20 from Company ABC ($20) $20 ($45.00) ($45.00) Business Day 5 Direct Deposit $485.00 $485 $440.00 $440.00 Business Day 5 ACH withdrawal $240.00 ($240) $200.00 $200.00 Business Day 5 ATM withdrawal $100 ($100) $100.00 $100.00 Business Day 6 Debit Card authorization $95 -Company EGG ($95) $5.00 $100.00 Business Day 7 Debit Card withdrawal $95 from Company EGG as $105.00 due to tip ($105) $95 ($5.00) ($5.00) Business Day 7 Check Deposit $200.00 $200 $195.00 $195.00 Business Day 8 ACH withdrawal $200 ($200) ($5.00) ($5.00) Business Day 8 Check Deposit $50 $50 $10.00 $10.00

Overdrafts. If The Bank may pay or return any Item item that is drawn against insufficient funds. Honoring past overdrafts does not obligate the Bank to honor them in the future. Overdraft fees apply when overdrafts are created by checks, in person withdrawals, or other debit presented to us will overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor itelectronic means. You agree immediately upon notice from us to deposit sufficient funds sufficient to cover the overdraft plus applicable and any fees, promptly upon notice. You also agree to reimburse the Bank for any costs we incur collecting the overdraft from you, including, without limitation, reasonable attorneys’ fees and the cost of litigation, to the extent permitted by law. All such fees and costs may be charged to your account. Additionally, you will not hold us accountable for refusing to honor your checks because of insufficient funds caused by these charges. In connection The Bank is not required to send prior notice of checks returned for insufficient funds. Any overdraft paid by the Bank is in anticipation of your making a deposit to cover the negative balance as soon as possible. This deposit can come from an automated source, such as payroll, other direct deposit, or you may choose to pay the negative balance which includes any overdraft fee, by stopping by any convenient 1st Source Banking Center before your next direct deposit. You have the option to choose whether or not to allow your account to become overdrawn when using your Resource Plus® debit card. This choice sometimes referred to as opting-out or opting-in, can be made by contacting your nearest banking center or by calling customer service during normal business hours. Additionally, if you want to limit your overdraft usage and expenses associated with overdraftsit, our determination the Bank offers products such as Carefree (subject to approval), FinanceWorksTM, Online Banking Alerts and more. Stop Payment Orders The Bank may charge a fee for each stop payment order. We will not stop payment on treasurer’s checks, money orders or debit card transactions. You may stop payment on any of your checks, including checks drawn on a joint account, provided we receive your stop payment order in a manner and at a time that gives us a reasonable opportunity to act. Your stop payment order will be too late if it is not received within a reasonable time before any of the Deposit Account balance actions described in Uniform Commercial Code section 4-303 are taken. In general, these actions include: • accepting the check • paying the check in cash • settling for the check as part of the collection process • becoming accountable for the amount of the check • passing of the next banking day after the banking day on which the Bank received the check A stop payment order will be in effect for six (6) months. However, if you inform us orally to stop payment, we reserve the right to remove the stop payment order after fourteen (14) days if we have not received a signed stop payment order. You may renew your order in writing every six (6) months. We may pay any of your checks after your stop payment order has expired. Your order to stop payment must contain your name and account number, the name to whom the check is made out (the payee), and the number and exact amount of the check. We will have no liability to you if any of the information you provide in your stop payment order is incorrect and we pay the check. Any person authorized to write checks against your account can stop payment, even though that person may not have written the check. The Bank may accept or pay a postdated item drawn on your account and received by the Bank on a date which is prior to the date of the item or contrary to special instructions identified on the item, unless the Bank receives notice and agrees in writing to be bound by such date or special instructions. Such notice must provide the same information and be provided in the same time frame as stop payment orders. The notice will be effective for the same time periods as for stop payment orders. If the Bank re-credits your account after paying a postdated item over a valid and timely notice, you agree to transfer to the Bank all of your rights against the payee or other holder of the item, and to assist the Bank in legal action taken against that person. The Bank may collect Fees on your bank account in accordance with our Schedule of Fees and Service Charges. Fees and Service Charges may be made at any time between presentment deducted from your account during a statement period other than the one in which it was incurred. You will not hold us accountable for refusing to pay checks because of insufficient funds as a result of these Fees and Service Charges. Check 21 is a law enacted to simplify the way checks are processed in the United States. This law allows the creation of a new document called a “substitute check” which legally replaces the original paper check. What Is a Substitute Check It is the legal equivalent of the original paper check. It is a picture of our predetermined deadlineoriginal paper check, turned into an electronic image – similar in size with a slightly reduced image. The front of the check states, “This is a legal copy of your check, you may use it the same way you would use the original check.” A substitute check is the equivalent of the original paper check with all of the rights and need only be made one timeobligations of the original check it replaces. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly)What if There Is an Error Involving a Substitute Check In certain cases, we do so at our discretion without any obligation federal law provides a special procedure that allows you to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are request a refund for losses you suffer if a substitute check is posted to your designated deposit account conditionally(for example, and only if you think that we withdrew the item is payable in U.S. dollars, subject to our receipt wrong amount of final payment. If final payment is not received on any item you deposited to money from your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to withdrew money from your account more than once for the same check). The losses you may attempt to recover from this procedure may include the amount that was withdrawn from your account and fees that were charged as a result of the withdrawal (for example, overdraft fees). The amount of refund under this procedure is dishonored by limited to the issuing financial institution for any reason, you agree to pay us amount of your loss or the amount of the dishonored deposited fundssubstitute check, and you authorize us whichever is less. You are also entitled to debit any deposit interest on the amount of your refund if your account with us of which you are is an owner, without prior notice and at any time, for interest bearing account. If your loss exceeds the amount of the returned item or substitute check, you may be able to recover additional amounts under other depositlaws. You also authorize us If you use this procedure, you may receive up to debit $2,500 of your refund (plus interest if your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee earns interest) not later than forty-five (45) days after we pay or loss we incurreceive your claim. We may also use any other legal remedy to recover reverse the amount you owe us. We are not responsible for any transactions, refund (including any transactions sent through interest on the mail, until refund) if we actually receive and post later are able to demonstrate that the transaction substitute check was correctly posted to your account. We are not liable How Do I Make a Claim for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting Refund If you believe that you have suffered a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day loss relating to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day substitute check that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant received and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits was posted to your account, please contact us at 1st Source Bank, Research Department, P.O. Box 1602, South Bend, IN 46634 or telephone us at (▇▇▇) ▇▇▇-▇▇▇▇ (in St. ▇▇▇▇▇▇ County), or (▇▇▇) ▇▇▇-▇▇▇▇ (outside St. ▇▇▇▇▇▇ County). You must contact us within forty (40) days of the date we mailed (or otherwise delivered by means to which you agreed) the substitute check in question or the account statement showing that the substitute check was posted to your account, whichever is later. We will extend this period of time if you were not able to make a timely claim because of extraordinary circumstances. Your claim must include: • A description of why you have suffered a loss (for example, you think the amount withdrawn is incorrect) • A statement of the amount of your loss • An explanation of why the substitute check you received is insufficient to confirm that you suffered a loss • A copy of the substitute check and/or the following information to help us identify the substitute check such as the check number, payee, and report them the amount of the check Internal Money Management Accounting For regulatory and accounting purposes, your checking account will consist of a master account with two “sub-accounts” on our books. This accounting process has no effect on the daily use of your account, on how checks are paid, or on how account activity appears on your periodic account statement. Depending on whether your checking account is a non-interest or interest bearing account, in the sub-accounts will be: 1) either a different order than the order in which you conduct them non-interest bearing sub-account or we receive them.an interest bearing sub-account and

Overdrafts. If Our general practice is to decline to pay any Item or other debit presented to us will overdraw the available account balance, including any balance in transaction that would cause an overdraft protection account on your Deposit Account ("ODP Account"i.e., your Available Balance is less than the amount of that item plus all other items received but not yet paid) (Overdraft), or would cause a negative Available Balance in any Wallet. Even if we have established for youpaid these items before, we will charge you a fee, whether we pay are not required to do it in the Item or dishonor itfuture. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, We can change our determination practice of the paying these items on your Deposit Account balance without notice to you. We may be made determine the amount of Available Balance for the purpose of deciding whether to return an item for insufficient funds at any time between presentment the time we receive the item and our predetermined deadline, and when we return the item or send a notice in lieu of return. We need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit look at your Available Balance in your KlaDot Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only decide if the item would cause an Overdraft or negative Available Balance, but if we choose to make a subsequent determination, the Available Balance at the subsequent time will determine whether there are insufficient available funds. It is payable in U.S. dollars, subject your responsibility to our receipt of final payment. If final payment is not received on any item you deposited to avoid overdrawing your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, Deposit Account and you authorize us to debit any deposit account with us of which you are maintain an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance Available Balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior daysKlaDot Account. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accountOverdraft Fees. You agree that we may determine charge fees for Overdrafts as set forth in our discretion the categoriesFee Schedule. Your Responsibility to Pay Overdrafts. You are liable for any Deposit Account or Wallet shortage resulting from charges or Overdrafts, whether caused by you, an Authorized User, or any another person to whom you provide access to your KlaDot Account. If we pay a transaction that causes an Overdraft or negative Available Balance, you must immediately pay the transactions within a category, amount of any Overdraft and restore the order among categoriesAvailable Balance to at least $0.00. You have no right to defer such payments, and you are liable regardless of whether you signed the posting orders within a categoryitem or benefitted from the charge or Overdraft. If you fail to pay an Overdraft, we also may report you to consumer reporting agencies, close your KlaDot Account, or both. This could affect your ability to open accounts with us or other banks in the future. We sometimes add or delete categories, change posting orders within categories and move transaction types among categoriesmay also apply funds in your Deposit Account to cure a negative Available Balance. You authorize us to use the money from any subsequent deposits to your Deposit Account to pay any Overdraft or apply the deposit to cure a negative Available Balance. Subsequent deposits include any federal or state benefit payments that you choose to deposit in your Deposit Account (including direct deposit of Social Security benefits), unless prohibited by law. You understand and agree that we if you do not want your benefits applied in this way, you may in our discretion make these changes change your direct deposit instructions at any time without notice to youtime. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end still pursue collection of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions amount you owe (including suing you) after it is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themcharged off.

Overdrafts. If An overdraft is created when you have insufficient funds in your Account to pay a check, withdrawal, automatic transfer, electronic transaction (e.g., ATM or point-of-sale (“POS”) purchase), returned deposited Item, or any Item other electronic purchase, payment, or debit. We pay overdrafts at our discretion, which means we do not guarantee that we will always, or ever, authorize and pay them. We may pay all, some, or none of your overdrafts without notice to you. You are in the best position to ensure that your Account has sufficient funds to pay any check or other debit by maintaining an accurate and current record of your deposits and withdrawals. You have the ability to update your current and available Account balances through any PCSB Bank ATM, Telephone Banking, Online Banking, by contacting any office or by calling us at ▇▇▇- ▇▇▇-▇▇▇▇ prior to writing a check, withdrawing cash, or initiating any electronic or debit transaction. Current and available balances do not include outstanding checks or debits not yet submitted to the Bank. Payment of an overdraft creates a debt owed to the Bank. The amount owed includes applicable fees and the amount of the Item(s) paid. When we receive a check or process an ACH payment request to debit your Account, and your account has a non-sufficient available balance to pay the check or payment request, we may charge you Paid Item Fees (as such term is defined in the Service Fees section of the Accounts Disclosure) when that check or payment request attempts to clear your Account. When your check or payment request is returned for non-sufficient funds, your check or payment request may be presented and re-presented to us your Account for payment multiple times. You will overdraw the available account balance, including not be charged a fee for any balance in Insufficient Funds Item that we return. You will be charged a Paid Item Charge if we pay an overdraft protection account ("ODP Account") we Insufficient Funds Item. If you have established for youmultiple overdrafts on any given day, we may honor any one or more overdrafts and return the others in any order. Multiple Paid Item fees can be charged against your Account per day on these occasions. The Paid Item fees for all transactions shall be limited to no more than five (5) per day. In addition, if any individual Item is $50.00 or less, or any individual Item overdraws your Account by $50.00 or less, you will charge you not be charged a fee. The specific fees are disclosed in the Service Fees section of the Accounts Disclosure and are subject to change from time to time. The Bank is not responsible for notifying you prior to incurring a Paid Item Fee due to Insufficient/Unavailable Funds. Once you are notified that your Account is overdrawn, whether we pay you will be required to repay the Item Bank or dishonor it. You agree immediately upon notice from us to deposit sufficient funds sufficient to cover the overdraft plus applicable chargesand all related fees. In connection with You agree and acknowledge that the Paid Item Fee is designed to compensate the Bank for its costs in processing overdraft Items and to compensate the Bank for its risk in electing, at its discretion, to pay certain overdrafts. You further agree that Paid Item Fees do not constitute a penalty. If you fail to reimburse the Bank for the overdraft and related fees, we will be entitled to recover our expenses in collecting the overdraft and fees, and any related charges including, without limitation, attorney fees and legal costs. The payment of one or more overdrafts does not obligate the Bank to honor or pay future overdrafts, our determination and you should not rely upon the Bank to honor or pay any overdraft. As to any Account with multiple owners, each owner agrees that they are jointly and severally liable for any overdraft paid by the Bank and subsequent Paid Item Fees. Each owner also agrees that the Bank may debit funds from any other Account held by such owners to repay the overdraft and any related fees. Overdraft Privilege is a service that the Bank may, but is not required to, use to pay checks and other withdrawal requests that would otherwise overdraw your checking Account (or would exceed any Overdraft Protection or Overdraft Line of Credit that you have established for the Deposit Account). Typically, the Bank limits Overdraft Privilege on consumer checking Accounts to $600.00 and offers the service on certain account types only after: (1) an Account balance has been open for thirty (30) days; and (2) has had at least $400.00 in deposits made to the Account; and (3) has incurred no prior overdrafts. The Bank retains the discretion to decline payment of Items or transactions that will overdraw your Account, and may be made remove Overdraft Privilege from your Account at any time between presentment and our predetermined deadlinewithout notice to you. By federal law, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance banks are required to separate transactions into two categories when applying Overdraft Privilege: (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, 1) one-time debit card transactions and ATM withdrawals, and (2) checks, ACH, recurring debit card transactions, and feesall other types of transfers and withdrawals. These types of transactions are not automatically covered by the Overdraft Privilege service. You will be required to “Opt-In” if you want the Bank to consider paying these types of transactions. If you “Opt-In” for these transactions, a fee will apply if the transaction is paid (Paid Item Fee) using Overdraft Privilege. The specific fees are disclosed in the Service Fees section of the Accounts Disclosure. If you do not “Opt-In,” the Bank will automatically decline or reject any of these transactions that would overdraw your Account. To “Opt-In” to Overdraft Privilege for ATM withdrawals and one-time debit card transactions, we will require that you sign an Opt In Form. Please call us at ▇▇▇-▇▇▇-▇▇▇▇ to have a form sent to you, or visit our nearest office. To “Opt-Out” of Overdraft Privilege, please call us at ▇▇▇-▇▇▇-▇▇▇▇ or visit our nearest office. A signed form is not required to “Opt Out”. You may revoke your Opt In or Opt Out at any time. Your decision to Opt-In or Opt-Out of Overdraft Privilege will be effective the next business day after we receive your notice, and will apply to all transactions initiated after we have affected such notice. These types of transactions are automatically included in the standard Overdraft Privilege service. If you wish to Opt-Out of Overdraft Privilege for these specific types of transactions, you must notify the Bank. If you Opt-Out, all of your checks, ACH, recurring debit card transactions and all other transfers and withdrawals will generally be returned unpaid or declined. However, recurring debit card transactions that are authorized when funds are available in your Account but post at a later date when funds are no longer available may overdraw your Account and these Items will be subject to Paid Item Fees even if you are Opted Out of the Overdraft Privilege service. The Paid Item Fee for Insufficient/Unavailable Funds will apply when the checks or transactions are paid. This specific fee is disclosed in the Service Fees section of the Accounts Disclosure. You will not be charged more than one Overdraft Fee (Paid Item Fee) for any check or payment request. We use automated systems have no obligation to process transactions and then to post transactions to accounts. When notify you if we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accepthonor, pay, return or decline an Item or return creditstransaction for a non-sufficient available balance. To Opt-Out of Overdraft Privilege for check, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holdsACH, creditsrecurring debit card transactions, and debitsall other Items, you may notify the Bank by calling us at ▇▇▇-▇▇▇-▇▇▇▇ or visiting our nearest office. Most categories include more than one transaction typeYou may revoke this decision at any time. After Your decision to Opt-Out or Opt-In to Overdraft Privilege will be effective the end of the next business dayday after we receive your notice, our automated systems assign each transaction received for that day and will apply to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before initiated after we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themaffected such notice.

Overdrafts. If any Item there are insufficient funds available in your account created by check, in-person withdrawal, ATM withdrawal, or other debit presented to us will overdraw the available account balanceelectric means, including any balance in it may be returned unpaid. However, we may, at our sole discretion, create an overdraft protection account by paying the check or item or by permitting the transaction. In either case, there will be a fee for each item or transaction as follows: - $25 will be charged for Uncollected/Insufficient Funds check/ACH. This fee will be shown as “NSF PAID ITEM(S) CHARGE” on your bank statement, or - $35 will be charged for the combination of Uncollected/Insufficient Funds check/ACH Charge ("ODP Account"$25) we have established for you, we and Bounce Check/ACH Charge ($10). This fee will charge you a fee, whether we pay be shown as “NSF RETURNED ITEM(S) CHARGE” on your bank statement. - An NSF PAID ITEM(S) CHARGE or NSF RETURNED ITEM(S) CHARGE on the Item or dishonor itresubmitted check/ACH will not be charged. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of any overdraft immediately, without notice or demand from us. Each account holder or signer is jointly and severally responsible for paying any overdraft amounts created by any authorized signer(s) or party to the dishonored deposited fundsaccount, and you regardless of whether an account holder signed the check or received any benefit from the check. You, therefore, authorize us to debit apply any subsequent deposit to the account with us of which you are an owner, without prior notice and at any time, for against the amount of the returned item any overdraft and resulting fees or other deposit. You also authorize us charges, including any federal or state benefit payments that you choose to debit your deposit in any account for the amount (including direct deposit of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe usSocial Security). We are not responsible for any transactions, including any transactions sent through obligated to continue paying items which create an overdraft even if we have done so in the mail, until we actually receive past and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may refuse to do so in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in future without any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits An ATM withdrawal or Debit Card transaction that would create an overdraft in your account will not be permitted and holds throughout the daytransaction will be declined. Regardless of when during the day we receive A nonsufficient fund fee will not be applied for an overdraft granted for ATM and Debit card transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card due to pay for a purchase at situation where a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themsystem failure occurs.

Overdrafts. If any Item A transaction or other item that results in or creates a negative Available Balance in your Account is called an “Overdraft.” We decide whether to authorize debit presented card transactions and pay items based on the “Available Balance” of funds in your Account. We decide whether to us assess per- item Overdraft fees based on the “Ledger Balance” of funds in your Account. An Overdraft that results in or increases a negative Ledger Balance in your Account will overdraw incur a per-item Overdraft fee as described herein and as set forth in the available account balance, including any balance Fee Schedule. As set forth in an overdraft protection account the Fee Schedule ("ODP Account"see paragraphs 1 and 9 of this Agreement) we have established for youand as permitted by law, we will charge you a fee, assess per-item Overdraft fees for Overdraft items regardless of whether we pay the Item items are paid or dishonor itreturned. You agree immediately upon notice from us to deposit The “Ledger Balance” is the current balance of funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account Account at the beginning of the business dayBusiness Day. For purposes of determining whether to authorize transactions, subtract we determine the “Available Balance” by taking the Ledger Balance and reducing that amount by any outstanding holds from your balancefor deposits that are not yet available under our Funds Availability Policy; by debit card items we have authorized but not processed for payment; and by intra-day activities (including but not limited to wire transfers, ATM withdrawals, and make any adjustments from prior daysother electronic transfers). NextCertain business operations (e.g., taxis, hotels, rental or leasing companies) may request debit card authorizations in an amount exceeding the amount they ultimately charge you. When we authorize a debit card transaction, we generally add credits establish a hold and reduce your Available Balance by the full amount we authorize (which may differ from the transaction amount) until the item is paid or is no longer considered to your balance be pending. In the event you deposit a check that is not from a guaranteed source, a hold is placed on the Account to the extent and then subtract debits from your balanceduring the period described in the Funds Availability Policy section of this Agreement. Changing Posting Orders You agree In our discretion, we can reduce the time frame for a hold or choose not to place a hold at all. For example, in some cases we are able to verify that we may determine a check has been honored prior to the time a hold would otherwise expire and can manually remove the hold, making funds available earlier in our discretion the orders in which we post transactions to your accountprocess. You agree that we may determine pay checks and other items, including ACH items and other electronic debits to your Account, in any order that complies with applicable law. For example:  We may process deposits before debits.  We may process certain kinds of electronic items, such as debit card, ATM and ACH items, ahead of other kinds of items, such as checks.  We may process certain items based on the time they were authorized by us.  We may process certain items based on the time they were received for processing.  We may process checks in serial number order. Multiple Overdraft fees may be charged to your Account in one day. Also, items returned to the presenting institution as a result of insufficient funds may be re- presented to us multiple times for payment by the presenting institution. If sufficient funds are not available in your Account at the time of re-presentment, an additional Overdraft fee may be incurred. To the extent permitted by law, you authorize us to deduct any Overdrafts and any Overdraft fees from any funds that may thereafter be deposited into the Account, even if those funds come from restricted income sources that are exempt from attachment. We are under no obligation to pay or authorize any item or withdrawal request presented if there are insufficient available funds to cover the item. You agree, however, that, in our discretion sole discretion, we may honor any check, recurring debit card, and/or ACH debits presented to your Account when there are insufficient available funds to cover such items. We also offer an optional discretionary Overdraft service, Overdraft Privilege, that may be available to you for ATM and everyday debit card transactions. For each of your Accounts, you can opt in to Overdraft Privilege (or opt out after first opting in) by calling us toll free at 888-MIDFIRST (▇▇▇- ▇▇▇-▇▇▇▇) or by calling or visiting one of our banking centers. You are not eligible for this Overdraft Privilege service unless you have an eligible Account, and you first opt in to the categoriesservice. If you do not opt in to this Overdraft Privilege service and you attempt an ATM or everyday debit card transaction at a time when your Account does not have sufficient available funds to cover the transaction, the transactions within a categorytransaction will be declined. Please note that if you do not opt in to this Overdraft Privilege service for ATM and everyday debit card transactions: (i) we will continue to apply our current Overdraft policies to paper check, the order among categoriesACH, and recurring debit card transactions and (ii) the posting orders within date items are presented for payment and our processing order could still cause a categorypaper check, ACH, or recurring debit card transaction to result in an overdraft of your Account. You agree that payment of any Overdraft item on any occasion(s) does not obligate us to pay any future Overdraft items. We sometimes add have no obligation to notify you before we pay an Overdraft item or delete categories, change posting orders within categories before we return an Overdraft item unpaid. You agree to pay the amount of any Overdraft and move transaction types among categoriesall Overdraft fees immediately upon demand. You agree that we may in our discretion make these changes at pursue any time without notice collection remedy available under applicable law, of which you may become responsible to youreimburse us for any related expenses. Posting Orders Determined at End You should know that:  A maximum of Day 5 per-item Overdraft fees will be charged on any Processing Day.  We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for will not charge any per-item Overdraft fees if your account, you agree that we may treat them as if we received all transactions at the same time Account is overdrawn by $5.00 or less at the end of a Processing Day.  We will not charge any per-item Overdraft fees if the business dayonly debit items we process on a Processing Day are fees we assess. During the day We will charge a one-time Extended Overdraft Fee if your Account is overdrawn in any amount for at least seven consecutive calendar days. Extended Overdraft Fees are based on your Ledger Balance. Under our Overdraft Protect and Overdraft credit services, we show some transactions as processingyou may agree to authorize automatic transfers from a linked Account or through certain credit services to cover Account Overdrafts, subject to availability of funds in your linked Account or availability of credit subject to applicable restrictions and other limitations. As an example, we show some transactions as processing on the Account Details screen Overdraft Protect is described in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at further detail near the end of this Agreement. Credit services that may be used for Overdraft protection are subject to the daystandard applicable credit application, with approval and execution of credit documents. For more information about Overdraft Protect, available credit services, applicable terms and conditions, fees and enrollment, please visit the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an exampleMidFirst Overdraft Services webpage at ▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇, when you use your debit card to pay for a purchase call us toll free at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them 888-MIDFIRST (888-643- 3477) or we receive themcall or visit any MidFirst banking center.

Overdrafts. If any Item there are not sufficient available funds in your Checking account to cover drafts, fees, or other debit presented to us will overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are items posted to your designated deposit account, those amounts will be handled according to our overdraft procedures. When funds in your account conditionally, and only if the item is payable in U.S. dollars, are subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for youa hold, dispute, or if any direct depositlegal process, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We these funds are not responsible for any transactions, including any transactions sent through the mail, until we actually receive available to cover your checks and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we makeother items. Holds include but are not limited to deposit holds and authorization holds we place on the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring account for ATM or debit card transactions. We may determine an insufficient available balance at any time with only one review of the account required. We do not have to notify you of an insufficient account balance needed to cover drafts, fees, or other posted items. Your account may be charged, as set forth in the Savings/Checking Rate & Fee Schedule, whether an item is paid for or returned. By covering one item or overdraft we are not obligated to do so in the future, except as otherwise agreed in writing. If a draft is paid, a fee is imposed or any transaction is made that causes your account to be overdrawn, you agree to pay the overdrawn amount immediately. We reserve the right to attempt to collect a previously dishonored item at any time. If an overdraft protection plan exists for your account, we will honor items drawn on insufficient available funds from the account listed under this agreement or a loan account as directed by you, or as required by the credit union overdraft policy. We may assess a fee for such transfers as set forth in the Rate & Fee Schedule. All account transfers are governed by this agreement except those governed by loan account agreements. We may charge a fee each time an item is submitted or resubmitted for payment; therefore, you may be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. ways transactions are presented for payment by merchants, and feeswe are not necessarily in control of when transactions are received. • Checks. When you write a check, it is processed through the Federal Reserve system. We use automated systems to receive data files of cashed checks from the Federal Reserve each day. The checks drawn on your account are compiled from these data files and paid each day. We process transactions and then to post transactions to accountsthe payments in the order contained in the data file. When we process multiple • ACH Payments. We receive data files every day from the Federal Reserve with Automated Clearing House (ACH) transactions. These include, for example, automatic bill payments you have authorized. ACH transactions for your account are posted throughout the day in order of receipt. • PIN-Based Debit Card Purchase Transactions. These are purchase transactions using your debit card for which a merchant may require you to enter your personal identification number (PIN) at the time of sale. They are processed through a PIN debit network. These transactions are similar to ATM withdrawal transactions because the money is usually deducted from your account immediately at the time of the transaction. However, depending on the same daymerchant, a PIN-based transaction may not be immediately presented for payment. • Signature-Based Debit Card Purchase Transactions. These are purchase transactions using your debit card that are processed through a signature-based network. Rather than entering a PIN, you typically sign for the purchase; however, merchants may not require your signature for certain transactions. Merchants may seek authorization for these types of transactions. The authorization request places a hold on funds in your account when the authorization is completed. The “authorization hold” will reduce your available balance by the amount authorized but will not affect your actual balance. The transaction is subsequently processed by the merchant and submitted to us for payment. This can happen hours or sometimes days after the transaction, depending on the merchant and its payment processor. These payment requests are received in real-time throughout the day and are posted to your account when they are received. The amount of an authorization hold may differ from the actual payment because the final transaction amount may not yet be known to the merchant when you present your card for payment. For example, if you use your debit card at a restaurant, a hold will be placed in an amount equal to the bill presented to you; but when the transaction posts, it will include any tip that you may have added to the bill. This may also be the case when you present your debit card for payment at gas stations, hotels, and certain other retail establishments. We cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment. This is a general description of certain types of transactions. These practices may change, and we reserve the right to pay for items in any order we choose as permitted by law. Understanding Your Account Balance. Your Checking account has two kinds of balances: the actual balance and the available balance. Your actual balance reflects the full amount of all deposits to your account as well as payment transactions that have been posted to your account. It does not reflect checks you have written and are still outstanding or transactions that have been authorized but are still pending. Your available balance is the amount of money in your account that is available for you to use. Your available balance is your actual balance less: (1) holds placed on deposits; (2) holds on debit card or other transactions that have been authorized but are not yet posted; and (3) any other holds, such as holds related to pledges of account funds and minimum balance requirements or to comply with court orders. We use your available balance to determine whether there are sufficient funds in your account to pay items, including checks and drafts, as well as ACH, debit card, and other electronic transactions. Pending transactions and holds placed on your account may reduce your available balance and may cause your account to become overdrawn regardless of your actual balance. In such cases, subsequent posting of the pending transactions may further overdraw your account and be subject to additional fees. You should assume that any item which would overdraw your account based on your available balance may create an overdraft. You may check your available balance online at ▇▇▇.▇▇▇▇▇.▇▇▇, at an ATM, by visiting a credit union branch, or by calling us at ▇▇▇-▇▇▇-▇▇▇▇. You agree not to issue any check or draft that is payable on a future date (postdated). If you do draw or issue a check or draft that is postdated and we pay it before that date, you agree that we may in our discretion determine our posting orders shall have no liability to you for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accountsuch payment. You agree that we may determine in our discretion the categoriesnot to deposit checks, the transactions within a categorydrafts, the order among categories, and the posting orders within a categoryor other items before they are properly payable. We sometimes add are not obligated to pay any check or delete categoriesdraft drawn on your account that is presented more than six months past its date; however, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout if the day. Regardless of when during the day we receive transactions for check or draft is paid against your account, we will have no liability for such payment. For a stop payment order to be honored it must be received in time for the credit union to act on it. We will not be liable to you agree that we may treat them as if we received all transactions at the same time at the end or to any other party for payment of the business dayitem. During It also must be dated, signed, and describe the dayaccount and draft number, we show some transactions as processingto include the exact amount. As an example, we show some transactions as processing We will not be responsible for incorrect or insufficient information. We will not be responsible for the failure to place a stop payment order. A stop payment order may be placed by any person having the right to withdraw from the account. A release of a stop payment order may be made only by the person initiating the original stop payment order. A stop payment order remains in effect for six (6) months and can be renewed. We are not required to notify you of the expiration of a stop payment order. Fees for stop-payment orders are listed on the Account Details screen in Online BankingSavings/Checking Rate & Fee Schedule. Please note that transactions shown as processing have not been posted yetAlthough payment on any certified check, cashier’s check, teller’s check, or any other check, draft, or payment guaranteed by us may be stopped, you may remain liable to the item holder, including the credit union. The posting order credit union will not be accountable for these transactions is determined at any costs, including attorney’s fees, damages, or claims related to our refusing payment of an item, including claims of any multiple-party account owner, payee, or endorser if the end stop payment of the day, with the other transactions we receive an item fails for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themany reason.

Overdrafts. If any Item or other debit presented to us will overdraw An overdraft occurs when the available account balance, including any balance in an overdraft protection your account is insufficient to pay a debit ("ODP Account"withdrawal) we have established for youtransaction, we will charge you a fee, whether but we pay the Item or dishonor ittransaction anyway. We strongly recommend that you not overdraw your account, as overdrafts can result in fees for which you will be responsible. You agree immediately upon notice from us will also be responsible for bringing your account current. Our standard overdraft services do not ensure that your overdrafts will be covered. There are ways to deposit funds sufficient avoid overdrafts, including prudent account management. Where the “Fee Schedule” is cited, consumers should reference the Schedule of Fees and Charges – Personal Accounts, while business accounts should reference the Schedule of Fees and Charges – Business Accounts. Your account will not be charged an overdraft fee if your account is overdrawn by less than the de minimis amount as described in the applicable Fee Schedule. Further, see the applicable Fee Schedule for the maximum number of overdraft charges that we impose per account per day, whether the overdraft item is paid or returned. Your consumer account will not be charged the following fees: NSF Returned Item Fee, Overdraft Coverage Transfer Fee, and Daily Negative Balance Fee. An overdraft can happen, which may trigger an overdraft item fee (see the Fee Schedule (“Overdraft Paid Item Fee,” “NSF Returned Item Fee”)), for example: • If you write a check without enough money in your checking account to pay the check, and we pay the item; • If an electronic transaction clears against your account without enough money in your account to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. transaction; • If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to make a withdrawal from your account that exceeds your available balance; • If you use your Banc of California debit card for payment without enough money in your checking account to cover the amount authorized or that we cashed for you, or if any direct the amount paid to the merchant; • If you make a deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid withdraw money based on the credit received from that deposit, and then have that deposit reversed because the deposited item is later returned to us unpaid; • If you withdraw money from your account and do not have enough money left to pay any other fee we pay related charges posted to the account; or loss we incur. We may also use any other legal remedy to recover • When at the amount moment you owe us. We are not responsible for any authorize certain transactions, including any transactions sent through your account has a positive balance; however, by the mail, until we actually receive and post time the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondentsis settled, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account has a negative balance. Posting a credit increases your balance. Posting a debit These transactions can occur, for example, when an ATM transaction or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, an everyday debit card authorizationstransaction is approved, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process other subsequent transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with reduce the balance in your account at the beginning of the business day, subtract holds from before your balance, and make any adjustments from prior days. Next, we generally add credits ATM transaction or everyday debit card transaction is posted to your account (i.e., a force pay transaction). Your account will not be charged an Overdraft Paid Item Fee for any force pay transactions. You do not have the right to withdraw funds that exceed the available balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to on your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for When an item overdraws your account, you agree that we may treat can either pay or return the item. You cannot choose which items we pay or return. If we get a batch, or multiple batches, of items in a day (for example, checks, ATM purchase transactions, and debit card purchase transactions typically come in batches), and if one, some or all of them as would overdraw your account if we received all transactions at the same time at the end of the business day. During the daypaid, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen will post items in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, accordance with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later“Order of Payments” section within this Agreement. We generally post credits may charge a fee if your account is overdrawn and debits your covering deposit is deemed received the next Business Day (e.g., deposits received after our processing cutoff hour). See the Fee Schedule (“Overdraft Paid Item Fee”, “NSF Returned Item Fee”). We also may impose a fee for deposited items that are returned. See the Fee Schedule (“Returned Deposit Item Fee” ). When an overdraft fee is imposed, it operates to reduce the available balance in your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.

Overdrafts. If any Item An overdraft is an advance of funds made by us to you, at our sole discretion, to cover a check or other debit presented to us will overdraw the available account balance, including withdrawal from your Account. We may demand immediate repayment of any balance in overdraft and charge you an overdraft protection account fee ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor itsee Fee Schedule). You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdraftspay us, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If when we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for ask you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount all of our returned item feecosts of collecting an overdraft, any interest paid on to the depositfullest extent permitted by law. These costs include, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to, our legal fees and expenses. If more than one of you owns an Account, each of you will be responsible for paying us the entire amount of all overdrafts and obligations resulting from the overdrafts. We do not have to the following: teller deposits, direct deposits and credits we makeallow you to make an overdraft. Holds include but Intentionally withdrawing funds from an Account when there are not limited enough funds in the Account to cover the following: deposit holdswithdrawal or when the funds are not yet available for withdrawal may be a crime. We are authorized to pay any check or other item that creates an overdraft, debit card authorizationsany returned item, and holds related all charges associated with overdrafts or returned items by making advances under or transfers from any Bank account that is linked to cash withdrawals and electronic transfers. Debits include withdrawalsyour account for overdraft protection (for example any Line of Credit, transfersSavings Account, payments, checks, one-time and recurring debit card transactionsor Checking Account), and feeswe have no obligation to, but we may, pay an item, which could cause an overdraft in your Account, all in accordance with the “Overdrafts” sections in the Additional Terms and Services Section of this Agreement. We use automated systems generally process and pay presented checks that you write from your Account in order from smallest dollar amount to largest dollar amount; however, we reserve the right to process transactions and then to post transactions to accountsany presented checks in any order. When we receive a check or process multiple transactions for an Automatic Clearing House (“ACH”) payment request to debit your Account, and your account on has a non-sufficient available balance to pay the check or payment request, we may charge you Paid Item Fees and/or Returned Item Fees (as such terms are defined, respectively, in the Service Fees section of the Accounts Disclosure) each time that check or payment request attempts to clear your Account. When your check or payment request is returned for non-sufficient funds, your check or payment request may be presented and re-presented to your Account for payment multiple times, and each time that your Account has a non-sufficient available balance to pay the check or payment request, we may charge you a Paid Item Fees and/or Returned Item Fees. This means you may be charged multiple Returned Item Fees (or Returned Item Fees and then a Paid Item Fee, if paid into overdraft) for the same check or ACH payment request that are re-presented for payment when your Account has a non-sufficient available balance. We will process debit and credit ACH transactions throughout the day, you agree that we may in the order they are received in our discretion determine our posting orders processing center. Therefore, if an Account withdrawal or debit transaction is processed in the morning and it exceeds your available balance at that time, you may be charged Paid Item Fees and/or Returned Item Fees, even if a deposit or credit transaction occurring later that day raises your available balance above $0.00. We may receive multiple credit or debit transactions on your Accounts in many different forms throughout each day. The best way to know your Available Balance and avoid paying Paid Item Fees and/or Returned Item Fees is to record and track all your transactions closely. 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 transactions and that 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 may credit, authorize, accepthonor, pay, return or decline an item or return creditstransaction for a non-sufficient available balance. Overdrawn Accounts: If the Checking Account remains in overdrawn status for thirty (30) Calendar Days, debits the Bank will close and holds place the Checking Account in collection status. Order of Posting: We may establish different processing orders for checks or any other transactions; therefore, transactions may not be processed in the order at our option. Posting Orders This section summarizes how we generally post some common in which they occurred and the order in which transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, are received and debits. Most categories include processed may result in more insufficient fund items and more fees than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a categoryother processing orders. We generally post all transactions within a category, using incoming checks received each day from the posting order or orders that apply to that category, before we post any transactions assigned lowest to the next categoryhighest dollar amount. We start with may refuse, in our discretion, to pay a check or other item which: • is illegible; • is drawn in an amount greater than the balance amount of funds then available for withdrawal in your account at Account (see the beginning Funds Availability Policy) or which would, if paid, create an overdraft; • bears a duplicate check number; • we believe has been altered; • we believe is otherwise not properly payable; or • we believe does not bear an authorized signature. Early Closeout Fee: If you close out your Account (excluding CDs) within ninety (90) Calendar Days of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your accountopening, you agree that we may treat them as if we received all transactions at the same time at the end of the business daywill be assessed a fee (see Fee Schedule). During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant ACH and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.Wire Transfers:

Overdrafts. If any Item or other debit presented to us will You understand that we may, at our discretion, honor withdrawal requests that overdraw your account. However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later. So you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past. We can change our practice of paying overdrafts on your account without notice to you. You can ask us if we have other account services that might be available account balanceto you where we commit to paying overdrafts under certain circumstances, including any balance in such as an overdraft protection line-of-credit or a plan to sweep funds from another account ("ODP Account") we you have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categoriescharge fees for overdrafts. For consumer accounts, the we will not charge fees for overdrafts caused by ATM withdrawals or one-time debit card transactions within a categoryif you have Multiple signatures, the order among categorieselectronic check conversion, and similar transactions - An electronic check conversion transaction is a transaction where a check or similar item is converted into an electronic fund transfer as defined in the posting orders within Electronic Fund Transfers regulation. In these types of transactions the check or similar item is either removed from circulation (truncated) or given back to you. As a category. We sometimes add or delete categoriesresult, change posting orders within categories and move transaction types among categorieswe have no opportunity to review the check to examine the signatures on the item. You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures. OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the account funds. Individual Account - is an account in the name of one person. Joint Account - With Survivorship - You intend and agree that we may regardless of whose funds are deposited in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, that upon your death the balance in the account will belong to the survivor(s). If two or more of you agree that we survive, you will own the balance in the account as joint tenants with right of survivorship. This agreement is governed by North Carolina General Statutes § 53C-6-6. Personal Agency Accounts - Such an account allows you to name an agent who will have authority to make withdrawals from the account by check or otherwise and indorse checks payable to you for deposit only into the account and otherwise make deposits. In addition, you may treat them elect to extend the authority of your agent so your agent may act notwithstanding your subsequent incapacity or mental incompetence. Your agent’s authority would then end at such time as if we received all transactions at the same time at the end of the business dayagent receives notification from a qualified guardian or duly appointed attorney-in-fact. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we If you do not receive debits on extend the same day that you conduct themauthority of your agent, then your subsequent incapacity or mental incompetence will terminate the authority of your agent. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same dayThis agreement is governed by North Carolina General Statutes § 53C-6-8. Joint Account - No Survivorship - is owned by two or more persons, but we might none of you intend (merely by opening this account) to create any right of survivorship in any other person. Payable on Death (POD) Account - A beneficiary cannot receive withdraw unless: (1) the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your accountperson creating the account dies, and report them on your statement, in a different order than the order in which you conduct them or we receive them.and

Overdrafts. If any Item or other debit presented to us will You understand that we may, at our discretion, honor withdrawal requests that overdraw your account. However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later. So you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past. We can change our practice of paying, or not paying, discretionary overdrafts on your account without notice to you. You can ask us if we have other account services that might be available account balanceto you where we commit to paying overdrafts under certain circumstances, including any balance in such as an overdraft protection line-of-credit or a plan to sweep funds from another account ("ODP Account") we you have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine charge fees for overdrafts. We may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees. Insufficient funds (NSF) fees - If an item drafted by you (such as a check) or a transaction you set up (such as a preauthorized transfer) is presented for payment in our discretion an amount that is more than the categories, the transactions within a category, the order among categoriesamount of money in your account, and we decide not to pay the posting orders within item or transaction, you agree that we can charge you an NSF fee for returning the payment. Be aware that such an item or payment may be presented multiple times by the merchant or other payee until it is paid, and that we do not monitor or control the number of times a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categoriesis presented for payment. You agree that we may charge you an NSF fee each time a payment is presented if the amount of money in your account is not sufficient to cover the payment, regardless of the number of times the payment is presented. Payment types - Some, but not necessarily all, of the ways you can access the funds in your account include debit card transactions, automated clearing house (ACH) transactions, and check transactions. A debit card transaction might be authorized by use of a PIN, a signature, or a chip. An example of an ACH transaction is a preauthorized payment you have set up on a recurring basis. All these payment types can use different processing systems and some may take more or less time to post. This information is important for a number of reasons. For example, keeping track of the checks you write and the timing of the preauthorized payments you set up will help you to know what other transactions might still post against your account. For information about how and when we process these different payment types, see the “Payment order of items” subsection below. Important information regarding “decoupled” cards - Decoupled debit cards are debit cards offered or issued by an institution or merchant other than us. As part of the issuing process, you provide the decoupled debit card issuer with the information it needs to link the decoupled debit card to your account with us. Once this is done, you can typically use the decoupled debit card as you would any other debit card. Importantly, however, while transactions initiated with these decoupled debit cards may originate as debit card transactions paid by the card issuer, we receive and process them as ACH transactions. Additionally, you need to refer to your agreement with the decoupled debit card issuer to understand the terms of use for that card. Thus, when our discretion documentation refers to “debit cards,” “everyday debit card transactions,” or “one-time debit card transactions,” we are referring to debit cards issued by us, not decoupled debit cards issued by other institutions or merchants. Different payment types can use different processing systems and some may take more or less time to post. Knowing which card you are using and how the transaction is processed can help you manage your finances, including helping you to avoid overdraft or NSF fees. Balance information - Keeping track of your balance is important. You can review your balance in a number of ways including reviewing your periodic statement, reviewing your balance online, accessing your account information by phone, or coming into one of our branches. Funds availability - Knowing when funds you deposit will be made available for withdrawal is another important concept that can help you avoid being assessed fees or charges. Please see our funds availability disclosure (generally titled, “Your Ability to Withdraw Funds”) for information on when different types of deposits will be made available for withdrawal. For an account to which our funds availability policy disclosure does not apply, you can ask us when you make these changes a deposit when those funds will be available for withdrawal. An item may be returned after the funds from the deposit of that item are made available for withdrawal. In that case, we will reverse the credit of the item. We may determine the amount of available funds in your account for the purpose of deciding whether to return an item for insufficient funds at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout between the day. Regardless of when during the day times we receive transactions for your accountthe item and when we return the item or send a notice in lieu of return. We need only make one determination, you agree that we may treat them as but if we received all transactions choose to make a subsequent determination, the account balance at the same subsequent time will determine whether there are insufficient available funds. A temporary debit authorization hold affects your account balance - On debit card purchases, merchants may request a temporary hold on your account for a specified sum of money when the merchant does not know the exact amount of the purchase at the end time the card is authorized. The amount of the business daytemporary hold may be more than the actual amount of your purchase. During Some common transactions where this occurs involve purchases of gasoline, hotel rooms, or meals at restaurants. When this happens, our processing system cannot determine that the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end amount of the dayhold exceeds the actual amount of your purchase. This temporary hold, with and the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits amount charged to your account, and report them on will eventually be adjusted to the actual amount of your statementpurchase, but it could be three calendar days, or even longer in a different order some cases, before the adjustment is made. Until the adjustment is made, the amount of funds in your account available for other transactions will be reduced by the amount of the temporary hold. If one or more transactions are presented for payment in an amount greater than the funds left after the deduction of the temporary hold amount, you will be charged an NSF or overdraft fee according to our NSF or overdraft fee policy, which may result in one or more overdraft or NSF fees. You will be charged the fee even if you would have had sufficient funds in your account if the amount of the hold had been equal to the amount of your purchase. Payment order of items - The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. The payment order can affect the number of items overdrawn or returned unpaid and the amount of the fees you may have to pay. To assist you in managing your account, we are providing you with the following information regarding how we process those items. BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. You represent that you have the authority to open and conduct them business on this account on behalf of the entity. We may require the governing body of the entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the entity. STOP PAYMENTS - The rules in this section cover stopping payment of items such as checks and drafts. Rules for stopping payment of other types of transfers of funds, such as consumer electronic fund transfers, may be established by law or our policy. If we have not disclosed these rules to you elsewhere, you may ask us about those rules. TELEPHONE TRANSFERS - A telephone transfer of funds from this account to another account with us, if otherwise arranged for or permitted, may be made by the same persons and under the same conditions generally applicable to withdrawals made in writing. Limitations on the number of telephonic transfers from a savings account, if any, are described elsewhere. AMENDMENTS AND TERMINATION - We may change any term of this agreement. For such changes, we will give you reasonable notice in writing or by any other method permitted by law. We may also suspend or terminate a service or close this account at any time upon reasonable notice to you and, if we close the account, tender of the account balance personally or by mail. Reasonable notice depends on the circumstances, and in some cases, such as when we cannot verify your identity or we receive themsuspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately freeze or close your account and then give you notice. If we have notified you of a change in any term of your account and you continue to have your account after the effective date of the change, you have agreed to the new terms. CORRECTION OF CLERICAL ERRORS - Unless otherwise prohibited by law, you agree, if determined necessary in our reasonable discretion, to allow us to correct clerical errors, such as obtaining your missing signature, on any account documents or disclosures that are part of our agreement with you. For errors on your periodic statement, please refer to the STATEMENTS section.

Overdrafts. If (a) Unless your Account is using the Temporary Card as the access device or is a Non-Direct Deposit Account (for which overdraft protection is not available), if you satisfy the requirements described below, overdraft protection may be a feature available to you. As described in this Agreement, you generally do not have the right to make transactions or incur fees in amounts exceeding the Available Balance. We reserve the right to deny any Item transaction if available funds in your Account are insufficient to cover any transaction, fees, or other debit presented charges. Overdraft protection is an option service. If you elect to us will overdraw participate (i.e., opt-in) and you have met the available account balance, including any balance in an eligibility requirements for overdraft protection account in the calendar month, as a courtesy, and in our sole discretion, we may, from time-to-time, approve transactions initiated through use of your Account Number or Card that create a negative Balance in your Account. We reserve the right to pay overdrafts at our discretion. If we do not authorize the transaction, it will be declined. Bill pay transactions, ATM transactions and ACH debit transactions are not eligible for overdraft protection. ("ODP b) In order to be eligible for overdraft protection, (i) you must have a Direct Deposit Account", Direct Deposit Plus Account, Employee Account or Employee Plus Account that is in good standing and has been open for at least thirty (30) days, (ii) we have established confirmed you have completed at least one (1) recurring direct deposit transaction in the Account in the amount of $200 or more if you have the Direct Deposit Account or Employee Account or $500 or more if you have the Direct Deposit Plus Account or the Employee Plus Account, (iii) you must consent to the delivery of electronic communications and provide a valid email address so that we can contact you if you overdraw your Account; (iv) you must enroll (that is, opt-in) for overdraft protection, and (v) you must have a positive Available Balance at the time the overdraft protection is initially activated for you. Overdraft protection will be activated on your Account within twenty-four (24) hours after you satisfy these requirements. After activation of overdraft protection, we you must continue to receive at least one (1) recurring direct deposit transaction in the amount of $200 or more every 35 days if you have the Direct Deposit Account or Employee Account or $500 or more every 35 days if you have the Direct Deposit Plus Account or the Employee Plus Account. If you fail to receive such recurring direct deposit, overdraft protection will charge be immediately deactivated. Your Account will remain open to receive credits and deposits that will automatically be applied to your negative Balance before they are available to you. If overdraft protection is deactivated, you must satisfy all requirements described in this paragraph in order to re-activate overdraft protection. (c) If a feenegative Balance in your Account is created through the use of overdraft protection, whether we pay the Item or dishonor it. You you agree immediately upon notice from us that within 35 days of its creation you will deposit sufficient funds to deposit funds sufficient your Account to cover the overdraft plus applicable chargesnegative Balance so that your Account has a zero ($0.00) or positive Balance, or that you will otherwise immediately pay such an amount to us in full upon demand. In connection with overdraftsIf after 35 days you have not deposited sufficient funds to cover your negative Balance or otherwise paid us, our determination your Account will remain open to receive credits and deposits, which will automatically be applied to your negative Balance before they are available to you; however, you will not be able to make any transactions on your Account until your Account has a positive Balance, i.e., sufficient funds to cover the negative Balance. If you have not deposited sufficient funds to your Account or otherwise paid us to cover the negative Balance within 90 days of the Deposit creation of the negative Balance, we may close your Account. If your Account has a negative Balance for longer than 90 days, overdraft protection will be permanently deactivated. (d) We will send you text or email notifications whenever (a) a transaction results in a negative balance may be made at any time between presentment and our predetermined deadlinein your Account, (b) a fee is assessed for overdraft protection, and need only be made one time(c) overdraft protection is activated or deactivated for your Account. If we pay Items you delete your mobile phone number and/or email address from our records or permit withdrawals which overdraw the available Deposit Account balance (whether once withdraw your consent to receive electronic communications from us, overdraft protection will be immediately deactivated. We cannot accept responsibility for any text or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is email messages not received on any item you deposited to your account or that we cashed for by you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, delay in the receipt or delivery of any text or email notifications. It is your sole responsibility to ensure that the mobile phone number and/or email address you agree provide to pay us the amount of the dishonored deposited funds, is current and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe usaccurate. We are not responsible for any transactionsloss of messages and other consequences if you do not provide an accurate and current mobile number and/or email address or if you provide another person access to your mobile phone or e-mail address. (e) As shown on the Fee Schedule, including any transactions sent through you will be charged a fee for each Card transaction that uses overdraft protection when there is not a sufficient Available Balance in your Account to cover the mailtransaction. If you have a Direct Deposit Account, until we actually receive and post Direct Deposit Plus Account, Employee Account, or Employee Plus Account, the overdraft fee applies to each transaction that results in a negative Balance of more than $15.00. The overdraft fee is pended based on your Available Balance at the time of the transaction and is in addition to your accountany other fees applicable to the transaction as shown on the Fee Schedule. (f) We impose certain limitations on the number or dollar amount of transactions utilizing overdraft protection in any calendar month. For security reasons, we may further limit access to overdraft protection at our discretion if it is utilized three (3) consecutive months or if we determine there is suspicious activity on the Account. We are not liable for the default may increase or negligence of decrease these limits from time to time in our duly selected agents or correspondentssole discretion and without prior notice to you, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited extent permitted by applicable law. (g) If you eliminate the negative Balance (by depositing funds to the following: deposit holdsAccount or by other means described in this Agreement) within twenty-four (24) hours of a transaction that was covered by overdraft protection and resulted in the negative balance, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that no overdraft fee will apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accounttransaction. You agree will not be permitted to perform more than four (4) transactions per month that we use overdraft protection, in addition to those transactions qualifying for the 24- hour grace period described above. (h) Once you have opted-in to overdraft protection, you may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes opt-out at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout on the day. Regardless of when during the day we receive transactions for Website or by calling Customer Service as set forth above. (i) If your accountAccount is closed, you cease being eligible for overdraft protection, you opt-out of overdraft protection, or if you voluntarily discontinue the use of your Account, you shall remain responsible for the negative Balance and agree that we any credits or deposits made to your Account will be used to offset the value of the negative Balance, if any. (j) You may treat them as if we received all transactions at not receive the benefits of the purchase cushion and overdraft protection for the same time at the transaction. (k) You acknowledge that a negative Balance does not constitute an open-end line of the business daycredit. During the dayIf we permit a negative Balance on one or more occasions, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits thereby obligate ourselves to permit a negative Balance on the same day that you conduct them. As an exampleany future occasion, when you use your debit card and we may refuse to pay a negative Balance for a purchase you at a merchant and sign any time, even though we may have previously permitted negative Balances up to the applicable limit for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days lateryou. We generally post credits and debits have no obligation to your account, and report them on your statement, notify you before we approve or decline a transaction that would result in a different order than negative Balance through the order in which you conduct them or we receive themuse of overdraft protection.

Overdrafts. If any Item A transaction or other item that results in or creates a negative Available Balance in Your Account is called an “Overdraft.” We decide whether to authorize debit presented to us will overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we card transactions and pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid items based on the deposit, and any other fee we pay or loss we incur“Available Balance” of funds in Your Account. We may also use any other legal remedy decide whether to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, oneassess per-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account item Overdraft fees based on the same day“Ledger Balance” of funds in Your Account. An Overdraft that results in or increases a negative Ledger Balance in Your Account will incur a per-item Overdraft fee as described herein and as set forth in the Fee Schedule. As set forth in the Fee Schedule (see paragraphs 1 and 9 of this Agreement) and as permitted by law, you agree that we may We will assess per-item Overdraft fees for Overdraft items regardless of whether the items are paid or returned. The “Ledger Balance” is the current balance of funds in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account Your Account at the beginning of the business dayBusiness Day. For purposes of determining whether to authorize transactions, subtract We determine the “Available Balance” by taking the Ledger Balance and reducing that amount by any outstanding holds from your balancefor deposits that are not yet available under Our Funds Availability Policy; by debit card items We have authorized but not processed for payment; and by intra-day activities (including but not limited to wire transfers, ATM withdrawals, and make any adjustments other electronic transfers). Certain business operations (e.g., taxis, hotels, rental or leasing companies) may request debit card authorizations in an amount exceeding the amount they ultimately charge You. When We authorize a debit card transaction, We establish a hold and reduce Your Available Balance by the full amount We authorize (which may differ from the transaction amount) until the item is paid or is no longer considered to be pending. In the event You deposit a check that is not from a guaranteed source, a hold is placed on the Account to the extent and during the period described in the Funds Availability Policy section of this Agreement. In Our discretion, We can reduce the time frame for a hold or choose not to place a hold at all. For example, in some cases We are able to verify that a check has been honored prior days. Nextto the time a hold would otherwise expire and can manually remove the hold, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine making funds available earlier in our discretion the orders in which we post transactions to your accountprocess. You agree that we We may determine pay checks and other items, including ACH items and other electronic debits to Your Account, in our discretion any order that complies with applicable law. For example:  We may process deposits before debits.  We may process certain kinds of electronic items, such as debit card, ATM and ACH items, ahead of other kinds of items, such as checks.  We may process certain items based on the categoriestime they were received for processing.  We may process checks in serial number order. Multiple Overdraft fees may be charged to Your Account in one day. Also, items returned to the presenting institution as a result of insufficient funds may be re- presented to Us multiple times for payment by the presenting institution. If sufficient funds are not available in Your Account at the time of re-presentment, an additional Overdraft fee may be incurred. To the extent permitted by law, You authorize Us to deduct any Overdrafts and any Overdraft fees from any funds that may thereafter be deposited into the Account, even if those funds come from restricted income sources that are exempt from attachment. We are under no obligation to pay or authorize any item or withdrawal request presented if there are insufficient available funds to cover the item. You agree, however, that, in Our sole discretion, We may honor any check, recurring debit card, and/or ACH debits presented to Your Account when there are insufficient available funds to cover such items. We also offer an optional discretionary Overdraft service, Overdraft Privilege, that may be available to You for ATM and everyday debit card transactions. For each of Your Accounts, You can opt in to Overdraft Privilege (or opt out after first opting in) by calling Us toll free at 888- MIDFIRST (▇▇▇-▇▇▇-▇▇▇▇) or by calling or visiting one of Our banking centers. You are not eligible for this Overdraft Privilege service unless You have an eligible Account, and You first opt in to the service. If You do not opt in to this Overdraft Privilege service and You attempt an ATM or everyday debit card transaction at a time when Your Account does not have sufficient available funds to cover the transaction, the transactions within a categorytransaction will be declined. Please note that if You do not opt in to this Overdraft Privilege service for ATM and everyday debit card transactions: (i) We will continue to apply Our current Overdraft policies to paper check, the order among categoriesACH, and recurring debit card transactions and (ii) the posting orders within date items are presented for payment and Our processing order could still cause a category. We sometimes add paper check, ACH, or delete categories, change posting orders within categories and move recurring debit card transaction types among categoriesto result in an overdraft of Your Account. You agree that we may in our discretion make these changes at payment of any time without notice Overdraft item on any occasion(s) does not obligate Us to youpay any future Overdraft items. Posting Orders Determined at End We have no obligation to notify You before We pay an Overdraft item or before We return an Overdraft item unpaid. You agree to pay the amount of Day We receive credits, debits any Overdraft and holds throughout the dayall Overdraft fees immediately upon demand. Regardless of when during the day we receive transactions for your account, you You agree that we We may treat them as pursue any collection remedy available under applicable law, of which You may become responsible to reimburse Us for any related expenses. You should know that:  A maximum of 4 per-item Overdraft fees will be charged on any Processing Day.  We will not charge any per-item Overdraft fees if we received all transactions at the same time Your Account is overdrawn by $5.00 or less at the end of a Processing Day.  We will not charge any per-item Overdraft fees for transactions that are $5.00 or less.  We will not charge any per-item Overdraft fees if the business dayonly debit items We process on a Processing Day are fees We assess. During the day We will charge a one-time Extended Overdraft Fee if Your Account is overdrawn in any amount for at least seven consecutive calendar days. Extended Overdraft Fees are based on Your Ledger Balance. Under Our Overdraft Protect and Overdraft credit services, we show some transactions as processingYou may agree to authorize automatic transfers from a linked Account or through certain credit services to cover Account Overdrafts, subject to availability of funds in Your linked Account or availability of credit subject to applicable restrictions and other limitations. As an example, we show some transactions as processing on the Account Details screen Overdraft Protect is described in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at further detail near the end of this Agreement. Credit services that may be used for Overdraft protection are subject to the daystandard applicable credit application, with approval and execution of credit documents. For more information about Overdraft Protect, available credit services, applicable terms and conditions, fees and enrollment, please visit the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an exampleMidFirst Overdraft Services webpage at ▇▇▇▇▇▇▇▇.▇▇▇/▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇▇, when you use your debit card to pay for a purchase call Us toll free at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them 888-MIDFIRST (888-643- 3477) or we receive themcall or visit any MidFirst banking center.

Overdrafts. If An overdraft is created when you have insufficient funds in your Account to cover a check, withdrawal, automatic transfer, electronic transaction (e.g., ATM or point-of-sale purchase), returned deposited item, or any other electronic purchase, payment, or debit. When we receive a check or process an Automatic Clearing House (“ACH”) payment request to debit your Account, and your account has a non-sufficient available balance to pay the check or payment request, we may charge you Paid Item Fees and/or Returned Item Fees (as such terms are defined, respectively, in the Service Fees section of the Accounts Disclosure) each time that check or other debit payment request attempts to clear your Account. When your check or payment request is returned for non-sufficient funds, your check or payment request may be presented and re-presented to us your Account for payment multiple times, and each time that your Account has a non-sufficient available balance to pay the check or payment request, we may charge you a Paid Item Fees and/or Returned Item Fees. This means you may be charged multiple Returned Item Fees (or Returned Item Fees and then a Paid Item Fee, if paid into overdraft) for the same check or ACH payment request that are re- presented for payment when your Account has a non-sufficient available balance. We will overdraw process debit and credit ACH transactions throughout the day, in the order they are received in our processing center. Therefore, if an Account withdrawal or debit transaction is processed in the morning and it exceeds your available account balancebalance at that time, including you may be charged Paid Item Fees and/or Returned Item Fees, even if a deposit or credit transaction occurring later that day raises your available balance above $0.00. We may receive multiple credit or debit transactions on your Accounts in many different forms throughout each day. The best way to know your Available Balance and avoid paying Paid Item Fees and/or Returned Item Fees is to record and track all your transactions closely. Courtesy Coverage Courtesy Coverage is a service that the Bank may, but is not required to, use to pay checks and other withdrawal requeststhat would otherwise overdrawyour checking Account (or would exceed any balance in an overdraft protection account ("ODP Account") we Overdraft Protection or Reserve Credit Overdraft Line of Credit that you have established for youthe Account). Typically,the BanklimitsCourtesy Coverage on consumerchecking Accounts to $800.00and offers the service only after: (1) an Account has been open for thirty days, we and (2) has had at least $400.00 in deposits made to the Account, and (3) has incurred no overdrafts. There is no guarantee that the bank will charge you a feealways authorize and pay your transactions and items. The Bank retainsthe discretion to decline payment of items or transactions that will overdrawyour Account, whether we pay the Item or dishonor it. You agree immediately upon notice and may remove Courtesy Coverage from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit your Account balance may be made at any time between presentment and our predetermined deadlinewithout notice to you. By federal law, banks are required to separate transactions into two categories whenapplyingCourtesy Coverage: (1) one-timedebitcard transactionsand ATM withdrawals, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, 2) checks, one-time and ACH, recurring debit card transactions, and feesall other types of transfers and withdrawals. One-time debit card transactions and ATM withdrawals These types of transactions arenot automatically covered by the Courtesy Coverage service. You will be required to “Opt In” if you want the Bank to consider paying these types of transactions. If you “Opt-In” for these transactions, a fee will apply if the transaction is paid (Paid Item Fee) using Courtesy Coverage. The specific fees are disclosed in the Service Fees section of the Accounts Disclosure. If you do not “Opt-In”, the Bank will automatically decline or reject any of these transactions that would overdraw your Account. To“Opt-In”, or subsequently “Opt-Out” of Courtesy Coverage for ATM withdrawals and one-time debit card transactions, you may notify the Bank by calling us at ▇▇▇-▇▇▇-▇▇▇▇, visiting an office or our website, ▇▇▇.▇▇▇▇▇▇.▇▇▇. You may revoke your Opt-In or Opt-Out at anytime by notifying the Bank through the same channels listed above. Your decision to Opt- In or Opt- Out of Courtesy Coverage will be effective the next business day after we receive your notice, and will apply to all transactions initiated after we have affected such notice. Checks, ACH, recurringdebitcardtransactions, and all other types of transfersandwithdrawals Thesetypes of transactions areautomaticallyincludedin thestandard Courtesy Coverage service. If you wish to Opt-Out of Courtesy Coverage for these specific types of transactions you must notify the Bank. If you Opt-Out, all of your checks, ACH, recurring debit card transactions and all other transfers and withdrawalswill generally be returnedunpaid or declined. However,recurringdebit card transactions that are authorized when funds are available in your Account but post at a later date when funds are no longer available, may overdraw your Account and these items will be subject to Paid Item Fees even if you are Opted Out of the Courtesy Coverage service. The Paid Item fee for Insufficient/Unavailable Funds will apply when the checks or transactions are paid and the Returned Item Fee will apply for checks or transactions that are returned. The specific fees are disclosed in the ServiceFeessection 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 use automated systems have no obligation to process transactions and then to post transactions to accounts. When notify you if we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accepthonor, pay, return or decline an item or return creditstransaction for a non-sufficient available balance. To Opt-Out of Courtesy Coverage for check, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holdsACH, creditsrecurring debit card transactions, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your accountother items, you agree that we may treat them as if we received all transactions notify the Bank by calling us at the same time at the end of the business day. During the If you have multiple overdrafts on any given day, we show some may honor any one or more and return the others in any order. Multiple Paid Item or Returned Item fees can be charged against your Account per day on these occasions. The PaidItem and/or Return Item fees for all transactions as processingshall be limited to no more than six (6) per day. In addition, if any individual item is $3.00 or less, or any individual item overdraws your Account by $5.00 or less, you will not be charged a fee. The specific fees are disclosed in the Service Fees section of the Accounts Disclosure and are subject to change from time to time. You are in the best position to ensure that your Account has sufficient funds to cover any check or other debit by maintaining an accurate and current record of your depositsand withdrawals. You have the ability to confirmyour current and available Account balances through any Bank Rhode Island ATM, Telephone Banking, Online Banking, by contacting any office or by calling us at ▇▇▇-▇▇▇-▇▇▇▇ prior to writing a check, withdrawing cash, or initiatingany electronic or debittransaction. Current and available balances do not include outstanding checks or debitsnot yet submitted to the Bank. Payment of an overdraft creates a debt owed to the Bank. The amount owed includes applicable fees and the amount of the item(s) paid. The Bank is not responsible for notifying you prior to incurring a Paid Item or Return Item Fee due to Insufficient/Unavailable Funds. Once you are notified that your Account is overdrawn, you will be required to repay the Bank or to deposit sufficient funds to cover the overdraft and all related fees. Youagree and acknowledge that the Paid Item Fee and the Returned Item Fee are designed to compensate the Bank for its costs in processing overdraftitems and to compensate the Bank for its risk in electing, at its discretion, to pay certain overdrafts. You further agree that Paid Item and Returned Item fees do not constitute a penalty. If you fail to reimburse the Bank for the overdraft and related fees, we will be entitled to recover our expenses in collecting the overdraft and fees; and any related charges including, withoutlimitation, attorney’s fees and legal costs. The payment of one or more overdrafts does not obligate the Bank to honor or pay future overdrafts, and you should not rely upon the Bank to honor or pay any overdraft. As to any Account with multiple owners, each owner agrees that they are jointly and severally liable for any overdraft paid by the Bank and subsequent Paid Item and Return Item fees. Each owner also agrees that the Bank may debit funds from any other Account held by such owners to repay the overdraft and any related fees. Overdraft Protection Overdraft Protectionis a service that automatically transfers funds to a qualifying deposit Account to cover an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end overdraft by one or more of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for following methods: (i) transfer of funds from a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.designated Overdraft Line of Credit Account;

Overdrafts. If The provisions regarding overdrafts established by your Account Agreement(s) are applicable to Transaction Requests. 1) We may at our option debit an Authorized Account for any Item Transaction Request processed by us, even if the Transaction Request creates or other debit presented to us will overdraw the available account balance, including any balance in increases an overdraft protection account ("ODP Account"in that account. 2) we have established for youYou must immediately pay any overdraft existing at the close of a Business Day. If an overdraft is created or increased, we will charge you a fee, whether we must deposit or transfer into the applicable Authorized Account sufficient Available Funds to pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover amount of the overdraft plus applicable chargesby the close of that Business Day. 3) Nothingin this Agreement or any course of dealing between you and we constitute an obligation on our part to lend money, allow the creation or increase of an overdraft, or otherwise extend any credit or advance funds to you to pay for any transaction or transfer. 4) You and we may have entered into a separate agreement, in which case, overdrafts will be handled under the terms of that agreement. 5) We are not obligated to accept or execute any Transaction Request if the aggregate requested by you on a Business Day exceeds the Transaction Limits. 6) You acknowledge that Transaction Limits may be established by us based on the aggregate amount of transactions on any single Business Day and for any weekly period in order to manage the risk of nonpayment, return or reversal of transactions; are not part of any Security Procedure (except as may be imposed for ATM or POS transactions) and may not be relied on by you as a limit on the total of funds transfers that may be authorized in your name on any Business Day or weekly, as the case may be. In connection with overdraftsWe may, in our determination sole discretion, authorize transactions that exceed the Transaction Limits, however, such decision shall be in our sole discretion and we shall not be liable for any increase or failure to increase said Transaction Limits. 7) We have the right to change your Transaction Limits or delay the availability of the Deposit Account balance may be made proceeds of Debit Transfers at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly)do so, we do so at our discretion without any obligation will deliver advance written notice of such change to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the first class mail, until we actually receive and post the transaction to your accountfacsimile, email or private delivery service. We are not liable for the default or negligence of Nothing in this section limits our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive thempowers outlined above.

Overdrafts. If any Item An overdraft is an advance of funds made by us to you, at our sole discretion, to cover a check or other debit presented to us will overdraw the available account balance, including withdrawal from your Account. We may demand immediate repayment of any balance in an overdraft protection account ("ODP Account") we have established for you, we will and charge you a fee, whether we pay the Item or dishonor itan Overdraft Fee (see list of Service Fees). You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdraftspay us, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If when we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for ask you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount all of our returned item feecosts of collecting an overdraft, any interest paid on to the depositfullest extent permitted by law. These costs include, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to, our legal fees and expenses. We are authorized to the following: teller depositspay any check or other Item that creates an overdraft, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizationsany returned Item, and holds related all charges associated with overdrafts or returned Items by making advances under or transfers from any Bank account that is linked to cash withdrawals and electronic transfers. Debits include withdrawalsyour account for overdraft protection (for example any Line of Credit, transfersSavings Account, paymentsMoney Market Account, checks, one-time and recurring debit card transactionsor Checking Account), and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for have no obligation to, but we may, pay an Item, which could cause an overdraft in your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a categoryAccount. We generally post all transactions within a category, using the posting order or orders process and pay presented checks that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds you write from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine Account in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or they are received by using the date and time of when the transaction was authorized. If multiple transactions have the same date and time, then they are posted in low to high dollar amount order. When we receive thema check or process an Automatic Clearing House (“ACH”) payment request to debit your Account, and your account has a non-sufficient available balance to pay the check or payment request, we may charge you Paid Item Fees and/or Returned Item Fees (as such terms are defined, respectively, in the Service Fees section of the Accounts Disclosure). When your check or payment request is returned for non-sufficient funds, your check or payment request may be presented and re- presented to your Account for payment multiple times. Once a Paid Item Fee or Returned Item Fee has been charged on a check or payment request, you will not be charged any subsequent Paid Item Fee or Returned Item Fee for the same check or payment request. The best way to know your Available Balance and avoid paying Paid Item Fees and/or Returned Item Fees is to record and track all your transactions closely. We have no obligation to notify you if we honor, pay, return or decline an Item or transaction for a non-sufficient available balance. We generally process and pay presented checks that you write from your Account in the order in which they are received by using the date and time of when the transaction was authorized. If multiple transactions have the same date and time, then they are posted in low to high dollar order. We may establish different processing orders for other transactions; therefore, transactions may not be 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. We may refuse, in our discretion, to pay a check or other Item which: • is illegible; • is drawn in an amount greater than the amount of funds then available for withdrawal in your Account (see the Funds Availability Policy) or which would, if paid, create an overdraft; • bears a duplicate check number; • we believe has been altered; • we believe is otherwise not properly payable; or • we believe does not bear an authorized signature.

Overdrafts. If any Item or other debit presented to us will overdraw An overdraft occurs when the available account balance, including any balance in an overdraft protection your account is insufficient to pay a debit ("ODP Account"withdrawal) we have established for youtransaction, we will charge you a fee, whether but we pay the Item or dishonor ittransaction anyway. We strongly recommend that you not overdraw your account, as overdrafts can result in fees for which you will be responsible. You agree immediately upon notice from us will also be responsible for bringing your account current. Our standard overdraft services do not ensure that your overdrafts will be covered. There are ways to deposit funds sufficient avoid overdrafts, including prudent account management. Where the “Fee Schedule” is cited, consumers should reference the Schedule of Fees and Charges – Personal Accounts, while business accounts should reference the Schedule of Fees and Charges – Business Accounts. Your account will not be charged an overdraft fee if your account is overdrawn by less than the de minimis amount as described in the applicable Fee Schedule. Further, see the applicable Fee Schedule for the maximum number of overdraft charges that we impose per account per day, whether the overdraft item is paid or returned. Your consumer account will not be charged the following fees: NSF Returned Item Fee, Overdraft Coverage Transfer Fee, and Daily Negative Balance Fee. An overdraft can happen, which may trigger an overdraft item fee (see the Fee•SchIef dyuolue w(“OritveeardcrahfetcPkaiwditItheomutFeeneo,”ug“NhSmFoRneyurineydoIuter mchFeecek”in))g, faocr count to examplep:ay the check, and we pay the item; • If an electronic transaction clears against your account without enough money in your account to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. transaction; • If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to make a withdrawal from your account that exceeds your available balance; • If you use your Banc of California debit card for payment without enough money in your checking account to cover the amount authorized or that we cashed for you, or if any direct the amount paid to the merchant; • If you make a deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid withdraw money based on the credit received from that deposit, and then have that deposit reversed because the deposited item is later returned to us unpaid; • If you withdraw money from your account and do not have enough money left to pay any other fee we pay related charges posted to the account; or loss we incur. We may also use any other legal remedy to recover • When at the amount moment you owe us. We are not responsible for any authorize certain transactions, including any transactions sent through your account has a positive balance; however, by the mail, until we actually receive and post time the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondentsis settled, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account has a negative balance. Posting a credit increases your balance. Posting a debit These transactions can occur, for example, when an ATM transaction or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, an everyday debit card authorizationstransaction is approved, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process other subsequent transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with reduce the balance in your account at the beginning of the business day, subtract holds from before your balance, and make any adjustments from prior days. Next, we generally add credits ATM transaction or everyday debit card transaction is posted to your account (i.e., a force pay transaction). Your account will not be charged an Overdraft Paid Item Fee for any force pay transactions. You do not have the right to withdraw funds that exceed the available balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to on your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for When an item overdraws your account, you agree that we may treat can either pay or return the item. You cannot choose which items we pay or return. If we get a batch, or multiple batches, of items in a day (for example, checks, ATM purchase transactions, and debit card purchase transactions typically come in batches), and if one, some or all of them as would overdraw your account if we received all transactions at the same time at the end of the business day. During the daypaid, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen will post items in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, accordance with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later“Order of Payments” section within this Agreement. We generally post credits may charge a fee if your account is overdrawn and debits your covering deposit is deemed received the next Business Day (e.g., deposits received after our processing cutoff hour). See the Fee Schedule (“Overdraft Paid Item Fee”, “NSF Returned Item Fee”). We also may impose a fee for deposited items that are returned. See the Fee Schedule (“Returned Deposit Item Fee” ). When an overdraft fee is imposed, it operates to reduce the available balance in your account, and report them on your statement, in a different order than the order in which you conduct them or we receive them.

Overdrafts. If You agree that you will not use your Card, a PIN, or any Item other Service to withdraw or other debit presented to us will overdraw transfer funds from your Account in amounts exceeding the available account balance, including any balance in an your Account at the time of any such transfer. Subject to any overdraft protection account ("ODP Account") we arrangements you have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection made with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may will be under no obligation to make a withdrawal or transfer if there are insufficient available funds in our discretion determine our posting orders your Account. The term “available funds” means your available balance, which is that part of your Account balance that is not subject to a hold and is immediately available to pay transactions presented for the transactions and that payment. If your Account has sufficient available funds to cover one or more but not all checks, withdrawal orders, or electronic fund transfers during any given business day, we may credithonor those items, authorizeallow those withdrawals, accept, pay, decline or return credits, debits and holds make any such electronic fund transfers in any order at we choose in our sole discretion, including first honoring any such checks, orders, or transfers payable to us, and dishonoring or refusing any item, order, or transfer for which there are insufficient available funds available thereafter. At our option. Posting Orders This section summarizes how , we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally may also post all VISA Check Card transactions within a categoryduring any day before posting any other checks, using the posting order withdrawal orders, or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accountother electronic fund transfers presented or made. You agree that we may determine use of the Card and/or PIN or use of any other EFT Service shall be subject to the Overdraft and Overdraft Protection provisions set forth in the Account Agreement, as well as our discretion the categories, the transactions within a category, the order among categories, overdraft policies and the posting orders within a categoryprocedures. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your accountIf you have an overdraft protection agreement with us, you agree that we may treat them as if we received all transactions at the same time at the end your use of the business dayCard and/or a PIN shall be subject to that agreement. During If you wish to have the dayCourtesy Pay overdraft protection service extended to ATM and everyday VISA Check Card transactions, we show some you must complete a separate opt-in authorization. We will not consider paying ATM and everyday Check Card transactions as processing. As an example, we show some transactions as processing on using the Account Details screen in Online BankingCourtesy Pay service unless you have separately opted-in. Please note that transactions shown as processing have not been posted yet. The posting order contact us for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an opt-in authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themform.

Overdrafts. If any Item The Credit Union is under no obligation, unless it has contracted to the contrary, to pay a check or other debit presented transaction you have written or authorized if it would result in this Checking Account being overdrawn. However, the Credit Union may pay such a transaction and charge the amount of the resulting overdraft plus any applicable service charge against your Regular Share Account or any of your other accounts. Subject to us will applicable law, the Credit Union may pay checks or other transactions 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 transaction results in an insufficient balance in your Checking Account to pay one or more other transactions that otherwise could have been paid out of your Checking Account. The Credit Union has the option of honoring an overdraft transaction or dishonoring it to avoid the creation of an overdraft. Honoring of past overdrafts does not obligate the Credit Union to honor them in the future. The Credit Union is not required to send prior notice of transactions returned because they would, if paid, overdraw the available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor itaccount. You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If we pay Items or permit withdrawals The amount by which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by overdrawn is due and payable to the issuing financial institution for any reasonCredit Union upon our demand, and you agree to pay us the full amount of it to us, together with any applicable fees as set forth in the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other depositFee Schedule. You also authorize us us, in such a case, to debit your apply from any other shares or deposits you may have in the Credit Union (except for an Individual Retirement Accounts or other account for permitting tax deferrals or providing other tax benefits under state or federal law) any amount necessary to pay such overdrawn amount and fees. If this is a joint account, all of the Joint Owners are jointly and severally liable to repay the Credit Union the amount of any overdraft and service charges, regardless of which of the parties writes the check or authorizes the transaction that creates an overdraft. If the Credit Union has contractually agreed to provide you with overdraft protection, such as through a share transfer agreement, it will pay overdrafts in accordance with the terms of the applicable agreement(s) when sufficient funds are available through such agreements to pay the overdrafts. When determining whether a check or other transaction drawn on your Checking Account is a nonsufficient funds transaction, both for the purpose of determining whether and how to honor the transaction and whether a fee related to it being an overdraft may be charged, the Credit Union will use the “Available Balance” for your Checking Account at the time the transaction is presented. The Available Balance is the balance shown on our returned item feebooks (“Ledger Balance”) reduced by (i) the amount of any holds in place with respect to deposited checks or other items, (ii) the amount in the account that is subject to any interest paid preauthorization requests related to the account that have been accepted by the Credit Union, (iii) amounts in the account that are subject to holds based on the depositcourt, tax agency, or other governmental proceedings, and any (iv) amounts that we believe are subject to a dispute over ownership or other fee we pay or loss we incurrights. We may also use any other legal remedy to recover the amount you owe us. We Examples of preauthorization requests are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawalspurchase transactions where the final amount is initially unknown, transferssuch as gas station purchases, payments, checks, one-time and recurring debit card transactionsrestaurant charges, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for hotel or car reservations, but there are other types of preauthorization requests that could affect your account on as well. Note that the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business dayAvailable Balance for these purposes may cause a fee related to an overdraft to be charged, our automated systems assign each transaction received for that day or a line of credit advance or transfer from another account to a category. We generally post all transactions within a categorybe made, using the posting order or orders that apply to that category, before we post even though your periodic statement may not reflect any transactions assigned to the next category. We start with time when the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you (periodic statements use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themLedger Balances) would be negative.

Overdrafts. If any Item or other debit presented to us will You understand that we may, at our discretion, honor withdrawal requests that overdraw your account. However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later. So you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past. We can change our practice of paying overdrafts on your account without notice to you. You can ask us if we have other account services that might be available account balanceto you where we commit to paying overdrafts under certain circumstances, including any balance in such as an overdraft protection line-of-credit or a plan to sweep funds from another account ("ODP Account") you have with us. You agree that we have established may charge fees for youoverdrafts. For consumer accounts, we will not charge fees for overdrafts caused by ATM withdrawals or one- time debit card transactions if you have not opted-in to that service. We may use subsequent deposits, including direct deposits of social security or other government benefits, to cover such overdrafts and overdraft fees. Multiple signatures, electronic check conversion, and similar transactions - An electronic check conversion transaction is a feetransaction where a check or similar item is converted into an electronic fund transfer as defined in the Electronic Fund Transfers regulation. In these types of transactions the check or similar item is either removed from circulation (truncated) or given back to you. As a result, whether we have no opportunity to review the check to examine the signatures on the item. You agree that, as to these or any items as to which we have no opportunity to examine the signatures, you waive any requirement of multiple signatures. OWNERSHIP OF ACCOUNT AND BENEFICIARY DESIGNATION - These rules apply to this account depending on the form of ownership and beneficiary designation, if any, specified on the account records. We reserve the right to refuse some forms of ownership on any or all of our accounts. We make no representations as to the appropriateness or effect of the ownership and beneficiary designations, except as they determine to whom we pay the Item account funds. Individual Account - is an account in the name of one person. Joint Account - With Survivorship (And Not As Tenants In Common) - is an account in the name of two or dishonor itmore persons. Each of you intend that when you die the balance in the account (subject to any previous pledge to which we have agreed) will belong to the survivor(s). If two or more of you survive, you will own the balance in the account as joint tenants with survivorship and not as tenants in common. Revocable Trust Account - One or two of you (called trustees) may create such an account in trust for another. Payments may be made to the trustee, or if there are two trustees, to either or both of the trustees or the survivor. Upon the death of the trustee or the death of both trustees, payment may be made to the person for whom the trust was made, or that person’s legal representative. BUSINESS, ORGANIZATION AND ASSOCIATION ACCOUNTS - Earnings in the form of interest, dividends, or credits will be paid only on collected funds, unless otherwise provided by law or our policy. You agree represent that you have the authority to open and conduct business on this account on behalf of the entity. We may require the governing body of the entity opening the account to give us a separate authorization telling us who is authorized to act on its behalf. We will honor the authorization until we actually receive written notice of a change from the governing body of the entity. STOP PAYMENTS - You must make any stop-payment order in the manner required by law and we must receive it in time to give us a reasonable opportunity to act on it before our stop-payment cutoff time. When you place your stop-payment order we will tell you what information we need to stop payment. This information must be exact since stop-payment orders are handled by computers. If your information is not exact your order will not be effective and we will not be responsible for failure to stop payment. You may stop payment on any item drawn on your account whether you sign the item or not. A release of the stop-payment request may be made only by the person who initiated the stop-payment order. AMENDMENTS AND TERMINATION - We may change our bylaws and any term of this agreement. Rules governing changes in rates are provided separately in the Truth-in-Savings disclosure or in another document. For other changes we will give you reasonable notice in writing or by any other method permitted by law. We may close this account if your membership in the credit union terminates, or by giving reasonable notice to you and tender of the account balance personally or by mail. Items presented for payment after the account is closed may be dishonored. When you close your account, you are responsible for leaving enough money in the account to cover any outstanding items and charges to be paid from the account. Reasonable notice depends on the circumstances, and in some cases such as when we cannot verify your identity or we suspect fraud, it might be reasonable for us to give you notice after the change or account closure becomes effective. For instance, if we suspect fraudulent activity with respect to your account, we might immediately upon notice freeze or close your account and then give you notice. At our option, we may suspend your rights to member services if you violate the terms of this agreement. You must keep us informed of your current address at all times. Notice from us to deposit funds sufficient any one of you is notice to cover the overdraft plus applicable charges. In connection with overdrafts, our determination all of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one timeyou. If we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without have notified you of a change in any obligation to term of your account and you continue to do sohave your account after the effective date of the change, you have agreed to the new term(s). Our Receipt of Deposits In receiving depositsSTATEMENTS - Statements are a valuable tool to help prevent fraudulent or mistaken transfers. Your statement will show the transactions that occurred in connection with your account during the statement period. Your duty to report unauthorized signatures, we act only as your collecting agent alterations and assume no responsibility beyond forgeries - Your statement will provide sufficient information for you to reasonably identify the exercise of ordinary care. All deposits are posted to your designated deposit account conditionallyitems paid (item number, amount, and only if date of payment). You should keep a record of each transaction as it is made so that when we give you the item is payable information in U.S. dollarsthe statement, subject you will have a complete understanding of each transaction listed. Your duty to our receipt of final payment. If final payment is not received on any item you deposited report other errors - In addition to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reasonCommercial Code and other state law, you agree there is a common law duty to pay promptly review your statement for errors in addition to unauthorized signatures, alterations or forgeries. Promptly reviewing your statement is valuable to both you and us because it can help identify, correct and prevent future mistakes. Errors relating to electronic fund transfers or substitute checks - For information on errors relating to electronic fund transfers (e.g., computer, debit card or ATM transactions) refer to your Electronic Fund Transfers disclosure and the amount sections on consumer liability and error resolution. For information on errors relating to a substitute check you received, refer to your disclosure entitled Substitute Checks and Your Rights. ACCOUNT TRANSFER - This account may not be transferred or assigned without our prior written consent. DIRECT DEPOSITS - If we are required for any reason to reimburse the federal government for all or any portion of the dishonored a benefit payment that was directly deposited fundsinto your account, and you authorize us to debit deduct the amount of our liability to the federal government from the account or from any deposit other account you have with us of which you are an ownerus, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incurexcept as prohibited by law. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themliability.

Overdrafts. If any Item or other debit presented to us will overdraw the you do not have sufficient available account balance, including any balance in an overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor it. You agree immediately upon notice from us to funds on deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdraftsamount of a check or other transaction (e.g., our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadlinein-person withdrawal, and need only be made one time. If we pay Items automatic payment, or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedlyother electronic transaction), we do so at our discretion may return the check or reject the transaction without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy elect, however, in our sole discretion to recover create an overdraft by paying the amount check or permitting the transaction. There may be a service fee in connection with certain of these transactions (See our fee schedule). Note: If you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting make a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same dayday that an item, you agree that service charge or transaction creates an overdraft (a "temporary" or "intra-day overdraft"), we may in our discretion determine our posting orders charge the fee for the transactions and that we overdraft since the covering deposit may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at not be posted until the end of the business day. During In some cases (e.g., deposits received after our processing cutoff hour), the deposit may not be deemed received until the next business day. We also may impose a fee for overdrafts created by fees or deposited items that are returned. If we permit an overdraft or otherwise allow your account balance to drop below zero, we show some transactions as processing. As an example, we show some transactions as processing on you agree to pay the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end amount of the dayoverdraft promptly, with the other transactions we receive for that daywithout notice or demand from us. You should note agree that often we do not receive debits on may use subsequent deposits and other credits to the same day that you conduct them. As an exampleaccount, when you use your debit card including without limitation deposits of government, welfare, retirement and Social Security benefits, to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to cover any overdraft existing in your account, to the fullest extent permitted by law. Our payment of any checks or allowance of transactions that create overdrafts in no way obligates us to continue that practice at a later time. We may discontinue permitting overdrafts without cause or notice to you. We discourage the practice of overdrawing accounts. See our fee schedule for further information. In the absence of a separate written overdraft agreement providing otherwise, overdrafts on a business account may bear interest at the Bank's prevailing rate until the overdraft has been paid. "Pay-on-Death" Accounts. This type of account passes to the designated beneficiaries on the death of an owner (or all of the owners if this is a joint account). During their lifetime, the owner(s) may exercise full control over the account and report them on your statementmay make deposits to and withdrawals from the account. Upon the death of the last surviving owner, the account funds pass to the surviving beneficiaries. If there is more than one surviving beneficiary, each will receive an equal share of the funds, unless we have been instructed otherwise by the owner(s) in a different order than the order in which you conduct them or we receive themwriting. The owner(s) may change beneficiaries during their lifetimes by updating our account documentation. Owners should keep us informed about each beneficiary's address.

Overdrafts. If No withdrawals shall be made from any Item of your Accounts through the use of a Card or other debit presented to us will overdraw PIN which exceed the Available Balance in your Account or, if applicable, which exceed the balance of any draw accounts available account balance, including any balance in an for overdraft protection account ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor itprotection. You agree immediately upon notice from that your use of the Card and PIN shall be subject to the Overdraft, Overdraft Protection and Courtesy Pay provisions set forth in the Deposit Agreement. In the event that your use of a Card or PIN exceeds the balance of any draw account balances, you authorize us to deposit funds sufficient to cover pay the overdraft plus applicable chargesamount by which your draw account balance was exceeded from any Account with us in which you have an ownership interest. In connection We will not pay overdrafts for consumer ATM and everyday debit card transactions with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If Courtesy Pay unless we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue obtain your affirmative consent to do so. Our Receipt However, an overdraft or insufficient funds fee may be charged if you have a negative balance in your account from a check, ACH transaction, recurring transaction, or other type of Deposits In receiving depositstransaction that is not a one-time point of sale transaction. If we receive an opt-in from you (signifying your affirmative consent), your Debit card may allow you to access Courtesy Pay on your checking account subject to the limits we act only have established. Consent remains effective until you revoke it or if the Debit card, or Courtesy Pay service is terminated by us. You agree to repay any overdraft and any overdraft fees or Courtesy Pay fees caused by using your card. The opt-in feature does not apply to Business Accounts. Unless stated on the screen of the ATM, a sign near the ATM, and/or your transaction receipt, your stated Available Balance does not include this overdraft protection. You understand that even if you check your Available Balance immediately prior to using your card, items such as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are checks you have written or recent credit/debit activities may not yet have been posted to your designated deposit account conditionallyAccount. You may also, and only if the item is payable in U.S. dollarsfor example, subject have sufficient funds to our receipt of final paymentuse your card, but still cause an overdraft on a transaction that had not yet been processed. If final payment is not received on any item you deposited want to your account or that we cashed for you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reasonavoid an overdraft, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit reconcile your account for the amount of our returned item fee, any interest paid on the deposit, Account by checking your periodic statements and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to outstanding unpaid items before using your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themcard.

Overdrafts. If any Item or other debit presented to us will overdraw the available account Account balance, including you are responsible for the overdraft amount. If your Stash Account balance becomes negative for any balance in an overdraft protection account ("ODP Account") we have established for youreason, we will charge you must make a fee, whether we pay the Item or dishonor it. You agree deposit immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdrafts, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one timenegative balance. If we your Stash Account has a negative balance for an extended period of time and you have another Account with either Stash or the Bank, either reserves the right to exercise the Right to Setoff. See the “Right to Setoff” section below for details. If your Stash Account has a negative balance for sixty (60) calendar days or more, it will be closed. Stash and/or the Bank reserve the right to close your Stash Account if you overdraw your Stash Account in violation of these terms. If Stash and/or the Bank pay Items or permit withdrawals which that overdraw the available Deposit Account balance (whether once or repeatedly), we do so it is done at our its discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, Account conditionally and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for youAccount, or if any direct deposit, automated clearinghouse deposit deposit, or electronic fund transfer to your account Account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us either Stash or the Bank to debit any deposit account with us of which you are an owneryour Account, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount of our returned item fee, any interest paid on the deposit, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe usowe. We are not Neither Stash nor the Bank is responsible for any transactions, including any transactions sent through the mail, until we it is actually receive received and post the transaction posted to your accountAccount. We are not Neither Stash nor the Bank is liable for the default or negligence of our duly selected agents or correspondents, correspondents nor for losses in transit. Processing Transactions Stash and Posting Orders Posting the Bank strictly prohibit the use of any Account to conduct transactions (including, without limitation, the acceptance or receipt of credit or other receipt of funds through an electronic funds transfer, or by check, draft, or similar instrument, or the proceeds of any foregoing) related, directly or indirectly, to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to the following: teller deposits, direct deposits and credits we make. Holds include but are not limited to the following: deposit holds, debit card authorizations, and holds related to cash withdrawals and electronic transfers. Debits include withdrawals, transfers, payments, checks, one-time and recurring debit card transactions, and fees. We use automated systems to process transactions and then to post transactions to accounts. When we process multiple transactions for your account on the same day, you agree that we may in our discretion determine our posting orders for the transactions and that we may credit, authorize, accept, pay, decline or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your accountfederally controlled substances. You agree that we may determine in our discretion not to conduct any transactions through the categoriesAccount which directly or indirectly involve or are related to federally controlled substances, including, without limitation, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add acceptance or delete categories, change posting orders within categories and move transaction types among categoriesreceipt of any funds or deposits in connection therewith. You also agree that we may in our discretion make these changes at any time without notice not to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay Account for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themany other illegal activity.

Overdrafts. If any Item An overdraft is an advance of funds made by us to you, at our sole discretion, to cover a check or other debit presented to us will overdraw the available account balance, including withdrawal from your Account. We may demand immediate repayment of any balance in overdraft and charge you an overdraft protection account fee ("ODP Account") we have established for you, we will charge you a fee, whether we pay the Item or dishonor itsee Fee Schedule). You agree immediately upon notice from us to deposit funds sufficient to cover the overdraft plus applicable charges. In connection with overdraftspay us, our determination of the Deposit Account balance may be made at any time between presentment and our predetermined deadline, and need only be made one time. If when we pay Items or permit withdrawals which overdraw the available Deposit Account balance (whether once or repeatedly), we do so at our discretion without any obligation to continue to do so. Our Receipt of Deposits In receiving deposits, we act only as your collecting agent and assume no responsibility beyond the exercise of ordinary care. All deposits are posted to your designated deposit account conditionally, and only if the item is payable in U.S. dollars, subject to our receipt of final payment. If final payment is not received on any item you deposited to your account or that we cashed for ask you, or if any direct deposit, automated clearinghouse deposit or electronic fund transfer to your account is dishonored by the issuing financial institution for any reason, you agree to pay us the amount of the dishonored deposited funds, and you authorize us to debit any deposit account with us of which you are an owner, without prior notice and at any time, for the amount of the returned item or other deposit. You also authorize us to debit your account for the amount all of our returned item feecosts of collecting an overdraft, any interest paid on to the depositfullest extent permitted by law. These costs include, and any other fee we pay or loss we incur. We may also use any other legal remedy to recover the amount you owe us. We are not responsible for any transactions, including any transactions sent through the mail, until we actually receive and post the transaction to your account. We are not liable for the default or negligence of our duly selected agents or correspondents, nor for losses in transit. Processing Transactions and Posting Orders Posting transactions to your account impacts your account balance. Posting a credit increases your balance. Posting a debit or hold reduces your balance. Credits include but are not limited to, our legal fees and expenses. If more than one of you owns an Account, each of you will be responsible for paying us the entire amount of all overdrafts and obligations resulting from the overdrafts. We do not have to the following: teller deposits, direct deposits and credits we makeallow you to make an overdraft. Holds include but Intentionally withdrawing funds from an Account when there are not limited enough funds in the Account to cover the following: deposit holdswithdrawal or when the funds are not yet available for withdrawal may be a crime. We are authorized to pay any check or other item that creates an overdraft, debit card authorizationsany returned item, and holds related all charges associated with overdrafts or returned items by making advances under or transfers from any Bank account that is linked to cash withdrawals and electronic transfers. Debits include withdrawalsyour account for overdraft protection (for example any Line of Credit, transfersSavings Account, payments, checks, one-time and recurring debit card transactionsor Checking Account), and feeswe have no obligation to, but we may, pay an item, which could cause an overdraft in your Account, all in accordance with the “Overdrafts” sections in the Additional Terms and Services Section of this Agreement. We use automated systems generally process and pay presented checks that you write from your Account in order from smallest dollar amount to largest dollar amount; however, we reserve the right to process transactions and then to post transactions to accountsany presented checks in any order . When we receive a check or process multiple transactions for an Automatic Clearing House (“ACH”) payment request to debit your Account, and your account on has a non-sufficient available balance to pay the check or payment request, we may charge you Paid Item Fees and/ or Returned Item Fees (as such terms are defined, respectively, in the Service Fees section of the Accounts Disclosure) each time that check or payment request attempts to clear your Account. When your check or payment request is returned for non- sufficient funds, your check or payment request may be presented and re-presented to your Account for payment multiple times, and each time that your Account has a non- sufficient available balance to pay the check or payment request, we may charge you a Paid Item Fees and/or Returned Item Fees. This means you may be charged multiple Returned Item Fees (or Returned Item Fees and then a Paid Item Fee, if paid into overdraft) for the same check or ACH payment request that are re-presented for payment when your Account has a non-sufficient available balance. We will process debit and credit ACH transactions throughout the day, you agree that we may in the order they are received in our discretion determine our posting orders processing center. Therefore, if an Account withdrawal or debit transaction is processed in the morning and it exceeds your available balance at that time, you may be charged Paid Item Fees and/or Returned Item Fees, even if a deposit or credit transaction occurring later that day raises your available balance above $0.00. We may receive multiple credit or debit transactions on your Accounts in many different forms throughout each day. The best way to know your Available Balance and avoid paying Paid Item Fees and/or Returned Item Fees is to record and track all your transactions closely. 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 transactions and that 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 may credit, authorize, accepthonor, pay, return or decline an item or return credits, debits and holds in any order at our option. Posting Orders This section summarizes how we generally post some common transactions to your account. We group the different types of transactions into categories. We use several different categories for holds, credits, and debits. Most categories include more than one transaction type. After the end of the business day, our automated systems assign each transaction received for that day to a category. We generally post all transactions within a category, using the posting order or orders that apply to that category, before we post any transactions assigned to the next category. We start with the balance in your account at the beginning of the business day, subtract holds from your balance, and make any adjustments from prior days. Next, we generally add credits to your balance and then subtract debits from your balance. Changing Posting Orders You agree that we may determine in our discretion the orders in which we post transactions to your account. You agree that we may determine in our discretion the categories, the transactions within a category, the order among categories, and the posting orders within a category. We sometimes add or delete categories, change posting orders within categories and move transaction types among categories. You agree that we may in our discretion make these changes at any time without notice to you. Posting Orders Determined at End of Day We receive credits, debits and holds throughout the day. Regardless of when during the day we receive transactions for your account, you agree that we may treat them as if we received all transactions at the same time at the end of the business day. During the day, we show some transactions as processing. As an example, we show some transactions as processing on the Account Details screen in Online Banking. Please note that transactions shown as processing have not been posted yet. The posting order for these transactions is determined at the end of the day, with the other transactions we receive for that day. You should note that often we do not receive debits on the same day that you conduct them. As an example, when you use your debit card to pay for a purchase at a merchant and sign for the transaction, we usually receive an authorization request from the merchant the same day, but we might not receive the final debit card transaction for payment and posting until several days later. We generally post credits and debits to your account, and report them on your statement, in a different order than the order in which you conduct them or we receive themnon-sufficient available balance.