Common use of Overdrafts Clause in Contracts

Overdrafts. If the Account becomes overdrawn because: a) the Financial Institution honours an Instrument drawn by the Depositor on an Account and insufficient funds stand to the credit of that Account to pay the Instrument in full; or b) an Instrument delivered by the Depositor to the Financial Institution for deposit is returned to the Financial Institution dishonoured, and insufficient funds stand to the credit of the Account to permit the Financial Institution to debit the full amount of the dishonoured Instrument; or c) the Financial Institution charges a fee, service charge, or other debit that the Financial Institution is authorized to charge to the Account, and if the funds standing to the credit of the Account are less than the amount charged to the Account; then the Depositor must immediately repay the amount overdrawn plus interest at the Financial Institution’s Overdraft Rate in effect from time to time by depositing sufficient funds into the overdrawn Account. If the Depositor does not immediately repay such amounts the Financial Institution may, in order to recover the overdrawn amount plus interest, and without notice to the Depositor: i) redeem or transfer Financial Institution shares owned by the Depositor in order to credit the overdrawn Account, or ii) withdraw monies on deposit from another Account in the Depositor’s name and transfer them to the overdrawn Account. If the Depositor has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the Depositor. The foregoing provisions do not give the Depositor any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Account.

Overdrafts. If the Account becomes overdrawn because: a) the Financial Institution honours an Instrument drawn by the Depositor on an Account and insufficient funds stand to the credit of that Account to pay the Instrument in full; or b) an Instrument delivered by the Depositor to the Financial Institution for deposit is returned to the Financial Institution dishonoured, and insufficient funds stand to the credit of the Account to permit the Financial Institution to debit the full amount of the dishonoured Instrument; or c) the Financial Institution charges a fee, service charge, or other debit that the Financial Institution is authorized to charge to the Account, and if the funds standing to the credit of the Account are less than the amount charged to the Account; then the Depositor must immediately repay the amount overdrawn plus interest at the Financial Institution’s Overdraft Rate in effect from time to time by depositing sufficient funds into the overdrawn Account. If the Depositor does not immediately repay such amounts the Financial Institution may, in order to recover the overdrawn amount plus interest, and without notice to the Depositor: : (i) redeem or transfer Financial Institution shares owned by the Depositor in order to credit the overdrawn Account, or or (ii) withdraw monies on deposit from another Account in the Depositor’s name and transfer them to the overdrawn Account. If the Depositor has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the Depositor. The foregoing provisions do not give the Depositor any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Account.

Overdrafts. If the Account becomes overdrawn because: a) the Financial Institution honours an Instrument drawn by the Depositor Trustee on an Account and insufficient funds stand to the credit of that Account to pay the Instrument in full; or b) an Instrument delivered by the Depositor Trustee to the Financial Institution for deposit is returned to the Financial Institution dishonoured, and insufficient funds stand to the credit of the Account to permit the Financial Institution to debit the full amount of the dishonoured Instrument; or c) the Financial Institution charges a fee, service charge, or other debit that the Financial Institution is authorized to charge to the Account, and if the funds standing to the credit of the Account are less than the amount charged to the Account; then the Depositor Trustee must immediately repay the amount overdrawn plus interest at the Financial Institution’s Overdraft Rate in effect from time to time by depositing sufficient funds into the overdrawn Account. If the Depositor Trustee does not immediately repay such amounts the Financial Institution may, in order to recover the overdrawn amount plus interest, and without notice to the Depositor: Trustee: (i) redeem or transfer Financial Institution shares owned by the Depositor Trustee in order to credit the overdrawn Account, or or (ii) withdraw monies on deposit from another Account in the DepositorTrustee’s name and transfer them to the overdrawn Account. If the Depositor Trustee has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the DepositorTrustee. The foregoing provisions do not give the Depositor Trustee any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Account.

Overdrafts. 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. If your Account is linked to Overdraft Protection from another deposit Account, the overdraft will be paid, pursuant to the terms of the Overdraft Protection paragraph stated below (and subject to the funds available in your Account becomes overdrawn because: aproviding the Overdraft Protection). Overdraft Protection transfer fees, as described in the Service Fees section of the Accounts Disclosure, will also apply. 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 your checking Account (or would exceed any Overdraft Protection or Reserve Credit Overdraft Line of Credit that you have established for the Account). Typically, the Bank limits Overdraft Privilege on consumer checking Accounts to $800.00 and offers the service only after: (1) the Financial Institution honours an Instrument drawn by the Depositor on an Account and insufficient funds stand to the credit of that Account to pay the Instrument in full; or b) an Instrument delivered by the Depositor to the Financial Institution has been open for deposit is returned to the Financial Institution dishonouredthirty days, and insufficient funds stand to the credit of the Account to permit the Financial Institution to debit the full amount of the dishonoured Instrument; or c(2) the Financial Institution charges a fee, service charge, or other debit that the Financial Institution is authorized to charge has had at least $400.00 in deposits made to the Account, and if (3) has incurred no overdrafts. There is no guarantee that the funds standing bank will always authorize and pay your transactions and items. The Bank retains the discretion to the credit decline payment of the items or transactions that will overdraw your Account, and may remove Overdraft Privilege from your Account are less than the amount charged to the Account; then the Depositor must immediately repay the amount overdrawn plus interest at the Financial Institution’s Overdraft Rate in effect from any time to time by depositing sufficient funds into the overdrawn Account. If the Depositor does not immediately repay such amounts the Financial Institution may, in order to recover the overdrawn amount plus interest, and without notice to you. By federal law, banks are required to separate transactions into two categories when applying Overdraft Privilege: (1) one-time debit card transactions and ATM withdrawals, and (2) checks, ACH, recurring debit card transactions, and all other types of transfers and withdrawals. One-time debit card transactions and ATM withdrawals These types of transactions are not automatically covered by the Depositor: 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. 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 the others in any order. 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 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 deposits and withdrawals. You have the ability to confirm your current and available Account balances through any Brookline 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. 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. 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 will be entitled to recover our expenses in collecting the overdraft 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 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 Protection is a service that automatically transfers funds to a qualifying deposit Account to cover an overdraft by one or more of the following methods: (i) redeem or transfer Financial Institution shares owned by the Depositor in order to credit the overdrawn of funds from a designated Overdraft Line of Credit Account, or ii) withdraw monies on deposit from another Account in the Depositor’s name and transfer them to the overdrawn Account. If the Depositor has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the Depositor. The foregoing provisions do not give the Depositor any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Account.;

Overdrafts. If the Account becomes overdrawn because: : a) the Financial Institution honours an Instrument drawn by the Depositor on an Account and insufficient funds stand to the credit of that Account to pay the Instrument in full; or or b) an Instrument delivered by the Depositor to the Financial Institution for deposit is returned to the Financial Institution dishonoured, and insufficient funds stand to the credit of the Account to permit the Financial Institution to debit the full amount of the dishonoured Instrument; or or c) the Financial Institution charges a fee, service charge, or other debit that the Financial Institution is authorized to charge to the Account, and if the funds standing to the credit of the Account are less than the amount charged to the Account; then the Depositor must immediately repay the amount overdrawn plus interest at the Financial Institution’s Overdraft Rate in effect from time to time by depositing sufficient funds into the overdrawn Account. If the Depositor does not immediately repay such amounts the Financial Institution may, in order to recover the overdrawn amount plus interest, and without notice to the Depositor: : i) redeem or transfer Financial Institution shares owned by the Depositor in order to credit the overdrawn Account, or or ii) withdraw monies on deposit from another Account in the Depositor’s name and transfer them to the overdrawn Account. If the Depositor has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the Depositor. The foregoing provisions do not give the Depositor any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Account. 5.

Overdrafts. If After opening an account the Account becomes overdrawn becauseaccount holder can request in writing an overdraft facility on the account. The maximum overdraft amount is decided on a case by case basis. The account holder can ask to change the overdraft limit during the agreement period. The Bank bases any decision to approve or decline an overdraft on the Bank’s current credit rules, among other things. In the event of any discrepancy between the overdraft agreement and these terms, the provisions of the agreement take precedence over these terms. It is not permitted to grant overdrafts to account holders under the age of 18. The account holder can use the overdraft for whatever legal purpose they want unless it has been agreed to use the loan for a specific purpose. The Bank reserves the right to request collateral deemed sufficient by the Bank before granting an overdraft, increasing an overdraft or extending the length of an overdraft. A securities agreement for this purpose should be prepared. Collateral which has been put up to secure an overdraft remains valid if its terms apply to other loans of the account holder from the Bank, even if the overdraft is cancelled for any reason. The Bank reserves the right to reverse debited payments which are not authorized under the terms of the overdraft, or which are carried out after the overdraft has been cancelled or the account closed. Overdrafts are generally granted for a maximum period of one year at a time. The account holder undertakes to repay the used proportion of the overdraft within the specified time frame. The account holder can always obtain information on the duration of the overdraft on their account statement in online banking or the Arion app, see Section 6 of these terms. The Bank can at its discretion extend an overdraft in its current form if certain conditions are met which are specified in the overdraft agreement and provided that such an agreement has been made in writing The customer should submit a request electronically to extend or change the overdraft to an employee at one of the Bank’s branches or in the Call Centre. The Bank reserves the right to demand written or otherwise verifiable confirmation of the request to extend the overdraft. The account holder is deemed to have agreed to their loan request and loan amount and terms of the loan upon the first use of the overdraft, whether this is after the first granting of the loan, the extension or increase of the overdraft. The first use could refer to when a payment card linked to the customer’s overdraft account is used or when a transfer from the account is made, whether via online banking, the Arion app, at a branch, using an ATM or via the Call Centre. Irrespective of the length of the overdraft, the Bank reserves the right to change the overdraft amount to the account balance as it was at that time or to terminate at its discretion without notice, warning or special announcement the overdraft of the account holder in the following circumstances: a) 1. The account holder has exceeded the Financial Institution honours an Instrument drawn by agreed overdraft limit. 2. If accrued interest during the Depositor on an Account and insufficient funds stand to interest period is not paid at the credit correct time. 3. The value of that Account to pay collateral securing the Instrument overdraft has declined significantly in full; orthe Bank’s opinion. b) an Instrument delivered by the Depositor to the Financial Institution for deposit is returned to the Financial Institution dishonoured, and insufficient funds stand to the credit 4. Other obligations of the Account account holder are more than 14 days in arrears or if a loan agreement has defaulted in other respects. 5. The account holder is no longer deemed creditworthy, for example due to permit suspension of payments, composition with creditors, unsuccessful attempt to enforce an attachment order or insolvency. 6. It is suspected that the Financial Institution account holder is misusing the account in another respect, such as by using it to debit receive illegal proceeds, finance terrorism or it is being used, in the full amount opinion of the dishonoured Instrument; orBank, in a way which does not comply with the Anti-Money Laundering and Terrorist Financing Act No. 140/2018. c) 7. The account holder violates the Financial Institution charges a fee, service charge, or other debit that Bank’s terms on the Financial Institution is authorized to charge to the Account, and if the funds standing to the credit use of the Account are less than the amount charged to the Account; then the Depositor must immediately repay the amount overdrawn plus interest at the Financial Institution’s Overdraft Rate in effect from time to time by depositing sufficient funds into the overdrawn Accountoverdrafts. 8. If the Depositor account holder does not immediately repay such amounts provide the Financial Institution mayBank, in order when requested and within the timeframe specified, with all financial information and data which the Bank deems necessary and sufficient, at any given time, for it to recover the overdrawn amount plus interest, and without notice be able to meet its obligations at any given time pursuant to the Depositor:current legislation and regulations on Anti-Money Laundering and Terrorist Financing, such as performing a risk assessment, customer due diligence on the borrower and terminating the contractual relationship. i) redeem or transfer Financial Institution shares owned by 9. The account holder neglects to fulfil any of their other duties according to the Depositor in order special overdraft agreement and if this neglect continues for more than 15 days after the Bank has reminded the account holder to credit perform their duties. All the overdrawn Account, or ii) withdraw monies on deposit from another Account above events could also result in the Depositor’s name closure of the account. When an account is closed the overdraft is automatically cancelled. An overdraft is considered due and transfer them payable the day on which the overdraft is cancelled. In the event of serious or repeated non-fulfilment or misuse the account may be closed with immediate effect. The account holder is permitted to pay off the overdrawn Accountoverdraft at any time and cancel the overdraft agreement, unless agreed otherwise. If the Depositor has applied and been approved for Overdraft Protection on account holder wishes to cancel the Account, this section is subject to overdraft agreement they should notify the separate Overdraft Protection Terms and Conditions that are provided to the Depositor. The foregoing provisions do not give the Depositor any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result Bank in a negative balance verifiable manner. These terms are not terminated when the overdraft is paid off and remain in the Accounteffect with respect to new loans without being specially renewed.

Overdrafts. The only way you may cover transactions that draw more than the balance available in your Account is to opt-in to ▇▇▇▇▇▇ Instant Overdraft Coverage (“▇▇▇▇▇▇ Instant”) feature and qualify for ▇▇▇▇▇▇ Instant from Albert. Your eligibility and requirements to use ▇▇▇▇▇▇ Instant and any amount(s) available to advance thereunder are determined by ▇▇▇▇▇▇ at its sole discretion and not by the Bank as ▇▇▇▇▇▇, not Bank, provides funding for any such amounts. ▇▇▇▇▇▇ Instant on this Account is permitted only if you expressly consent to and qualify for ▇▇▇▇▇▇ Instant, pursuant to its terms and conditions as described in ▇▇▇▇▇▇’s Terms of Use and in the ▇▇▇▇▇▇ App, including applicable fees. If you do not expressly opt-in to ▇▇▇▇▇▇ Instant and meet the applicable eligibility requirements, then we may close your Account in our sole discretion if it becomes overdrawn because: a) for any reason or in any amount. This means that you are not permitted to create a negative Account balance, including by overspending using your Card other than as expressly set forth in ▇▇▇▇▇▇’s Terms of Use and in the Financial Institution honours an Instrument drawn by ▇▇▇▇▇▇ App. It is your responsibility to know whether you have sufficient available funds in your Account before using your Card or authorizing a preauthorized debit. If a transaction exceeds your Account balance and causes your Account to be overdrawn, including because the Depositor on an retailer or merchant does not request authorization for a Card transaction or your available Account and balance is insufficient to cover a preauthorized debit, you may be liable to us for the amount of that transaction. Your Account may also become overdrawn if a deposit is reversed. The amount of any overdrafts will be deducted from your Account as soon as funds stand are available. If you fail to add promptly to your Account sufficient funds in the amount of any overdrafts (other than draws that are elected to be covered in connection with ▇▇▇▇▇▇ Instant), then to the credit of that fullest extent allowed by applicable law, you will be responsible for our reasonable costs incurred in collecting all amounts owed by you under this Agreement, including our reasonable attorney fees and costs. You may not use your Account while it is in overdrawn status, unless elected to pay the Instrument cover your overdrafts in full; or b) an Instrument delivered by the Depositor to the Financial Institution for deposit is returned to the Financial Institution dishonouredconnection with ▇▇▇▇▇▇ Instant, and insufficient funds stand to the credit use of the your Account to permit the Financial Institution to debit the full amount of the dishonoured Instrument; or c) the Financial Institution charges will remain suspended until you have restored a fee, service charge, or other debit that the Financial Institution is authorized to charge to the Account, and if the funds standing to the credit of the positive Account are less than the amount charged to the Account; then the Depositor must immediately repay the amount overdrawn plus interest at the Financial Institution’s Overdraft Rate in effect from time to time by depositing sufficient funds into the overdrawn Account. If the Depositor does not immediately repay such amounts the Financial Institution may, in order to recover the overdrawn amount plus interest, and without notice to the Depositor: i) redeem or transfer Financial Institution shares owned by the Depositor in order to credit the overdrawn Account, or ii) withdraw monies on deposit from another Account in the Depositor’s name and transfer them to the overdrawn Account. If the Depositor has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the Depositor. The foregoing provisions do not give the Depositor any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Accountbalance.

Overdrafts. If the Account becomes overdrawn because: a) the Financial Institution DUCA honours an Instrument drawn by the Depositor Member on an Account and insufficient funds stand to the credit of that Account to pay the Instrument in full; or b) an Instrument delivered by the Depositor Member to the Financial Institution DUCA for deposit is returned to the Financial Institution DUCA dishonoured, and insufficient funds stand to the credit of the Account to permit the Financial Institution DUCA to debit the full amount of the dishonoured Instrument; or c) the Financial Institution DUCA charges a fee, service charge, or other debit that the Financial Institution DUCA is authorized to charge to the Account, and if the funds standing to the credit of the Account are less than the amount charged to the Account; then the Depositor Member must immediately repay the amount overdrawn plus interest at the Financial InstitutionDUCA ’s Overdraft Rate in effect from time to time by depositing sufficient funds into the overdrawn Account. If the Depositor Member does not immediately repay such amounts the Financial Institution DUCA may, in order to recover the overdrawn amount plus interest, and without notice to the DepositorMember: i) redeem or transfer Financial Institution shares owned by the Depositor Member in order to credit the overdrawn Account, or ii) withdraw monies on deposit from another Account in the DepositorMember’s name and transfer them to the overdrawn AccountoverdrawnAccount. If the Depositor Member has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the DepositorMember. The foregoing provisions do not give the Depositor Member any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Account.

Overdrafts. If the Account becomes overdrawn because: a) the Financial Institution honours an Instrument drawn by the Depositor on an Account and insufficient funds stand to the credit of that tha Account to pay the Instrument in full; or b) an Instrument delivered by the Depositor to the Financial Institution for deposit is returned to the Financial Institution dishonoured, and insufficient insufficien funds stand to the credit of the Account to permit the Financial Institution to debit the full amount of the dishonoured Instrument; or c) the Financial Institution charges a fee, service charge, or other debit that the Financial Institution is authorized to charge to the Account, and if the funds standing to the credit of the Account are less than the amount charged to the Account; then the Depositor must immediately repay the amount overdrawn plus interest at the Financial Institution’s Overdraft Rate in effect from time to time by depositing sufficient sufficien funds into the overdrawn Account. If the Depositor does not immediately repay such amounts the Financial Institution may, in order to recover the overdrawn amount plus interest, and without notice to the Depositor: : (i) redeem or transfer Financial Institution shares owned by the Depositor in order to credit the overdrawn Account, or or (ii) withdraw monies on deposit from another Account in the Depositor’s name and transfer them to the overdrawn Account. If the Depositor has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the Depositor. The foregoing provisions do not give the Depositor any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Account.

Overdrafts. If the Account becomes overdrawn because: a) the Financial Institution DUCA honours an Instrument drawn by the Depositor Member on an Account and insufficient funds stand to the credit of that Account to pay the Instrument in full; or b) an Instrument delivered by the Depositor Member to the Financial Institution DUCA for deposit is returned to the Financial Institution DUCA dishonoured, and insufficient funds stand to the credit of the Account to permit the Financial Institution DUCA to debit the full amount of the dishonoured Instrument; or c) the Financial Institution DUCA charges a fee, service charge, or other debit that the Financial Institution DUCA is authorized to charge to the Account, and if the funds standing to the credit of the Account are less than the amount charged to the Account; then the Depositor Member must immediately repay the amount overdrawn plus interest at the Financial InstitutionDUCA ’s Overdraft Rate in effect from time to time by depositing sufficient funds into the overdrawn Account. If the Depositor Member does not immediately repay such amounts the Financial Institution DUCA may, in order to recover the overdrawn amount plus interest, and without notice to the Depositor: Member: (i) redeem or transfer Financial Institution shares owned by the Depositor Member in order to credit the overdrawn Account, or or (ii) withdraw monies on deposit from another Account in the DepositorMember’s name and transfer them to the overdrawn Account. If the Depositor Member has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the DepositorMember. The foregoing provisions do not give the Depositor Member any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Account.

Overdrafts. If use of your Card overdraws your Account, you will be notified and you agree to make immediate payment to the Bank for the amount of any such overdrafts together with any service charges the Bank may impose. Also, whenever your Account becomes overdrawn because: ais overdrawn, we have the right to return unpaid any checks or other such orders on your Account that are presented to the Bank and to assess a service charge for making such returns. If your Account has an overdraft line of credit associated with it, the terms and conditions contained in your credit line Agreement (or other applicable agreement) will control with respect to overdrafts of your Account regardless of whether they result from Purchases, Cash Withdrawals, use of checks, or use of any other card or device. Per transfer charge: There will be no charge for transfers made using our automatic teller machines or point-of-sale service. Disclosure of Account Information: We will disclose information to third parties about your Account or the Financial Institution honours an Instrument drawn by transfers you make in the Depositor on an following circumstances : } Where it is necessary for completing transfers; } In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; } In order to comply with government agency or court orders; } Or if you give us your written permission. Account Statements: Your regular monthly Account statement will reflect each Purchase and Cash Withdrawal charged to your Account and insufficient funds stand each credit applied to your Account during the credit of that Account to pay monthly account cycle and the Instrument in full; or b) an Instrument delivered by the Depositor to the Financial Institution for deposit is returned to the Financial Institution dishonoured, and insufficient funds stand to the credit of the Account to permit the Financial Institution to debit the full amount of the dishonoured Instrument; or c) the Financial Institution charges a related fee, service chargeif any. Even if there is no account activity, or other debit that the Financial Institution is authorized to charge to the Account, and if the funds standing to the credit of the Account are less than the amount charged to the Account; then the Depositor must immediately repay the amount overdrawn plus interest you will receive a statement at the Financial Institution’s Overdraft Rate in effect from time to time by depositing sufficient funds into the overdrawn Account. If the Depositor does not immediately repay such amounts the Financial Institution may, in order to recover the overdrawn amount plus interest, and without notice to the Depositor: i) redeem or transfer Financial Institution shares owned by the Depositor in order to credit the overdrawn Account, or ii) withdraw monies on deposit from another Account in the Depositor’s name and transfer them to the overdrawn Account. If the Depositor has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the Depositor. The foregoing provisions do not give the Depositor any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Accountleast once every three months.

Overdrafts. If the Account becomes overdrawn because: : a) the Financial Institution honours an Instrument drawn by the Depositor on an Account and insufficient funds stand to the credit of that Account to pay the Instrument in full; or or b) an Instrument delivered by the Depositor to the Financial Institution for deposit is returned to the Financial Institution dishonoured, and insufficient funds stand to the credit of the Account to permit the Financial Institution to debit the full amount of the dishonoured Instrument; or or c) the Financial Institution charges a fee, service charge, or other debit that the Financial Institution is authorized to charge to the Account, and if the funds standing to the credit of the Account are less than the amount charged to the Account; then the Depositor must immediately repay the amount overdrawn plus interest at the Financial Institution’s Overdraft Rate in effect from time to time by depositing sufficient funds into the overdrawn Account. If the Depositor does not immediately repay such amounts the Financial Institution may, in order to recover the overdrawn amount plus interest, and without notice to the Depositor: : i) redeem or transfer Financial Institution shares owned by the Depositor in order to credit the overdrawn Account, or or ii) withdraw monies on deposit from another Account in the Depositor’s name and transfer them to the overdrawn Account. If the Depositor has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the Depositor. The foregoing provisions do not give the Depositor any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Account.

Overdrafts. If the Account becomes overdrawn because: If: a) the Financial Institution honours an Instrument drawn by the Depositor on an Account and insufficient funds stand to the credit of that Account to pay the Instrument in full; or or b) an Instrument delivered by the Depositor to the Financial Institution for deposit deposit, discount, collection, or otherwise is returned to the Financial Institution dishonoured, and insufficient funds stand to the credit of the Account to permit the Financial Institution to debit the full amount of the dishonoured Instrument; or or c) the Financial Institution charges a fee, service charge, or other debit that the Financial Institution is authorized to charge to the Account, and if the funds standing to the credit of the that Account are less than the amount charged to the Account; then such event may, at the discretion of the Financial Institution, constitute: d) an application to redeem or transfer Financial Institution shares owned by the Depositor must or to withdraw or transfer monies on deposit from an Account in the Depositor’s name, to the extent that the funds standing to the credit of the particular Account are insufficient to pay the Instrument in full, or to permit the Financial Institution to charge the returned item or the fee, service charge, or debit to that Account; and e) an application for a loan to the extent that the shares or monies standing to the credit of the Account in the Depositor’s name are insufficient to permit the payment or charging described in d) above. If the Financial Institution grants a loan under e) above, the loan will be immediately repay due and payable forthwith without demand and the amount overdrawn plus Depositor will pay interest on the balance of the loan at the Financial Institution’s Overdraft Rate in effect from time to time by depositing sufficient funds into the overdrawn Account. If the Depositor does not immediately repay such amounts the Financial Institution may, in order to recover the overdrawn amount plus interest, and without notice to the Depositor: i) redeem or transfer Financial Institution shares owned by the Depositor in order to credit the overdrawn Account, or ii) withdraw monies on deposit from another Account in the Depositor’s name and transfer them to the overdrawn Account. If the Depositor has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the Depositortime. The foregoing provisions do not give the Depositor any right to overdraw the an Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Account. The Depositor agrees to indemnify the Financial Institution under article 7.3, Indemnity, d). 6.

Overdrafts. If the Account becomes overdrawn because: a) the Financial Institution Credit Union honours an Instrument drawn by the Depositor on an Account and insufficient funds stand to the credit of that Account to pay the Instrument in full; or b) an Instrument delivered by the Depositor to the Financial Institution Credit Union for deposit is returned to the Financial Institution Credit Union dishonoured, and insufficient funds stand to the credit of the Account to permit the Financial Institution Credit Union to debit the full amount of the dishonoured Instrument; or c) the Financial Institution Credit Union charges a fee, service charge, or other debit that the Financial Institution Credit Union is authorized to charge to the Account, and if the funds standing to the credit of the Account are less than the amount charged to the Account; then the Depositor must immediately repay the amount overdrawn plus interest at the Financial Institution’s Credit Union's Overdraft Rate in effect from time to time by depositing sufficient funds into the overdrawn Account. If the Depositor does not immediately repay such amounts the Financial Institution Credit Union may, in order to recover the overdrawn amount plus interest, and without notice to the Depositor: i) redeem or transfer Financial Institution Credit Union shares owned by the Depositor in order to credit the overdrawn Account, or ii) withdraw monies on deposit from another Account in the Depositor’s name and transfer them to the overdrawn Account. If the Depositor has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the Depositor. The foregoing provisions do not give the Depositor any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Account.

Overdrafts. The only way you may cover transactions that draw more than the balance available in your Account is to opt-in to ▇▇▇▇▇▇ Instant Overdraft Coverage (“▇▇▇▇▇▇ Instant”) feature and qualify for ▇▇▇▇▇▇ Instant from Albert. Your eligibility and requirements to use ▇▇▇▇▇▇ Instant and any amount(s) available to advance thereunder are determined by ▇▇▇▇▇▇ at its sole discretion and not by the Bank as ▇▇▇▇▇▇, not Bank, provides funding for any such amounts. ▇▇▇▇▇▇ Instant on this Account is permitted only if you expressly consent to and qualify for ▇▇▇▇▇▇ Instant, pursuant to its terms and conditions as described in ▇▇▇▇▇▇’s Terms of Use and in the ▇▇▇▇▇▇ App, including applicable fees. If you do not expressly opt-in to ▇▇▇▇▇▇ Instant and meet the applicable eligibility requirements, then we may close your Account in our sole discretion if it becomes overdrawn because: a) for any reason or in any amount. This means that you are not permitted to create a negative Account balance, including by overspending using your Card other than as expressly set forth in ▇▇▇▇▇▇’s Terms of Use and in the Financial Institution honours an Instrument drawn by ▇▇▇▇▇▇ App. It is your responsibility to know whether you have sufficient available funds in your Account before using your Card or authorizing a preauthorized debit. If a transaction exceeds your Account balance and causes your Account to be overdrawn, including because the Depositor on an retailer or merchant does not request authorization for a Card transaction or your available Account and balance is insufficient to cover a preauthorized debit, you may be liable to us for the amount of that transaction. Your Account may also become overdrawn if a deposit is reversed. The amount of any overdrafts will be deducted from your Account as soon as funds stand are available. If you fail to add promptly to your Account sufficient funds in the amount of any overdrafts (other than draws that are elected to be covered in connection with ▇▇▇▇▇▇ Instant), then to the credit of that fullest extent allowed by applicable law, you will be responsible for our reasonable costs incurred in collecting all amounts owed by you under this Agreement, including our reasonable attorney fees and costs. You may not use your Account while it is in overdrawn status, unless elected to pay the Instrument cover your overdrafts in full; or b) an Instrument delivered by the Depositor to the Financial Institution for deposit is returned to the Financial Institution dishonouredconnection with ▇▇▇▇▇▇ Instant, and insufficient funds stand use of your Account will remain suspended until you have restored a positive Account balance. Please refer to the credit your Albert’s Terms of the Account to permit the Financial Institution to debit the Use for additional information on enabling and full amount of the dishonoured Instrument; or c) the Financial Institution charges a fee, service charge, or other debit that the Financial Institution is authorized to charge to the Account, and if the funds standing to the credit of the Account are less than the amount charged to the Account; then the Depositor must immediately repay the amount overdrawn plus interest at the Financial Institution’s Overdraft Rate in effect from time to time by depositing sufficient funds into the overdrawn Account. If the Depositor does not immediately repay such amounts the Financial Institution may, in order to recover the overdrawn amount plus interest, and without notice to the Depositor: i) redeem or transfer Financial Institution shares owned by the Depositor in order to credit the overdrawn Account, or ii) withdraw monies terms governing this feature on deposit from another Account in the Depositor’s name and transfer them to the overdrawn Account. If the Depositor has applied and been approved for Overdraft Protection on the Account, this section is subject to the separate Overdraft Protection Terms and Conditions that are provided to the Depositor. The foregoing provisions do not give the Depositor any right to overdraw the Account or to authorize or permit anything, including a PAD or a Transaction authorized through a Debit Card, that would result in a negative balance in the Accountyour ▇▇▇▇▇▇ App.