Common use of Payment of Overdrafts Clause in Contracts

Payment of Overdrafts. If, on any day, the available balance in your share or deposit account are not sufficient to pay the full amount of a check, draft, transaction, or other item, plus any applicable fee, that is posted to your account, we may return the item or pay it, as described below. The Credit Union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s midnight deadline with only one review of the account required. We do not have to notify you if your account does not have sufficient funds available to pay an item. Whether we pay or return the item, your account may be subject to a fee as set forth in the Fee Schedule Disclosure. We may charge a fee each time an item is submitted or resubmitted for payment, causing you to be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against the savings in your account. The Credit Union may pay such approved items to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to your account when we receive them. However, in some cases when you deposit a 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 account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We 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. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number order.

Payment of Overdrafts. If, on any day, the available balance funds in your share or deposit account are not sufficient to pay the full amount of a check, draft, transactionitem, transaction or other item, items posted to your account plus any applicable fee, that is posted to your accountfee (“overdraft”), we may pay or return the item or pay it, as described belowoverdraft. The Credit Unioncredit union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Unioncredit union’s midnight deadline with only one review of the account required. We do not have to notify you if your account does not have sufficient available funds available to pay an itemoverdraft. Whether we pay or return the item, your Your account may be subject to a fee charge for each overdraft regardless of whether we pay or return the overdraft. For ATM and one-time debit transactions, you must consent to the credit union's overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the credit union may not authorize and pay an overdraft resulting from these types of transactions. Except as set forth otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the Fee Schedule Disclosurefuture and may discontinue covering overdrafts at any time without notice. We may charge If we pay an overdraft or impose a fee each time an item is submitted or resubmitted for payment, causing you to be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against the savings in that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or, if you do not have such a plan, in accordance with our overdraft policy. The Credit Union OVERDRAFTS – ATM AND DEBIT CARD – If an overdraft is needed to cover your ATM or Debit card transaction we may pay such approved items it at our discretion. You must opt-in to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to your account when we receive them. However, in some cases when you deposit a check, the full amount of the deposit may not be available to you at the time of depositthis potential coverage. Please refer to see Schedule of Fees and Charges. If we do not authorize and pay the Funds Availability Policy Disclosure provided at the time you opened overdraft your account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We 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. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number ordertransaction will be denied.

Payment of Overdrafts. IfWe are not obligated to pay any item presented for payment if your account does not contain sufficient available funds. If we pay a transaction that overdraws your account, we are not obligated to continue paying such transactions in the future. We may pay all, some, or none of your overdrafts, without notice to you. You are liable to us to repay any overdrafts on your account whether you created them or not. If you do not pay us, and we take collection action against you, you agree to pay for our costs of collection. We may close, without notice, any account with excessive insufficient funds activity, and report the account to a consumer reporting agency. We assess a fee for each item that we either pay, which results in an overdraft, or do not pay, which would have resulted in an overdraft had we paid it. The fees that we may assess are as follows: • If we pay an item in accordance with our Overdraft Privilege Service and the payment of such item does not result in you exceeding your Overdraft Privilege Service limit (described in more detail below), we will charge an Overdraft Privilege Fee of $30. • If we pay an item in accordance with the Overdraft Privilege Service and the payment of such item results in you exceeding your Overdraft Privilege Service limit, we will charge an Overdrawn Account Fee of $30. • If we pay an item, and you are not eligible for, or have opted out of, the Overdraft Privilege Service, we will charge an Overdrawn Account Fee of $30. • If we return an item, we will charge a Non-sufficient Funds (NSF) Fee of $30. Refer to the Schedule of Fees for a listing of fees, which is updated periodically. We limit the number of Overdraft Privilege Fees we charge in a business day. The maximum number of Overdraft Privilege Fees that will be charged in one day is five (5). We recommend that you enroll in one of the optional overdraft protection plans described below. These plans can help you avoid overdrafts and returned items. While fees apply when you use an optional overdraft protection plan, the fees under the plan are less expensive than NSF and Overdraft Privilege Fees. Refer to the “Optional Overdraft Protection Plans” section below for more information. YOUR CHECKING ACCOUNT BALANCE. Your checking account has two kinds of balances: the “actual” balance and the “available” balance. Both can be checked when you review your account online, at a Credit Union-owned ATM, by phone, or at a branch. It is important to understand how the two balances work so that you know how much money is in your account at any given time. This section explains actual and available balances and how they work. Your actual balance is the amount of money that is actually in your account at any given time, but not all funds included in the actual balance are considered available for transactions on your account. The actual balance may also be referred to as your “current ledger balance,” “current balance,” “ledger balance” or simply “balance” when using any of our electronic services, such as telephone banking, online banking, mobile banking or at Credit Union-owned ATMs. Your actual balance reflects transactions that have posted to your account, but not transactions that have been authorized and are pending or pending deposits that are subject to holds under our Funds Availability Policy. While the term “actual” may sound as though the number you see is an up-to-date indication of what is in your account that you can spend, that is not always the case. Your actual balance will not reflect any purchases, holds, fees, other charges, or deposits made on your account that have not yet posted. For example, if you have a $50 actual balance, but you just wrote a check for $40, then your actual balance is $50 but it does not reflect the pending check transaction. So at that point, you have an actual balance of $50, but you have already spent $40. Your available balance is the amount of money in your account that is available to you to use without incurring an overdraft fee. The available balance takes into account factors such as holds placed on deposits and pending transactions (such as pending debit card purchases) that the Credit Union has authorized but that have not yet posted to your account. For example, assume you have an actual balance of $50 and an available balance of $50. If you were to use your debit card at a restaurant to buy lunch for $20, then that merchant could ask us to preauthorize the payment in that amount (or even a different amount). Under this example, if the merchant requested preauthorization in the amount of $20, we will place a “hold” on your account for $20 (referred to as an “authorization hold”). Your actual balance would still be $50 because this transaction has not yet posted, but your available balance would be $30 because of the restaurant’s preauthorization request that resulted in an authorization hold on $20 in your account. When the restaurant submits its bill for payment (which could be a few days later and for a different amount than the amount of the authorization hold), we will post the transaction to your account and your actual balance will be reduced by the amount of the posted transaction. We use your available balance to determine when your account is overdrawn. The following example illustrates how this works: Assume your actual and available balance are both $50, and you use your debit card at a merchant for $20. If the merchant requests preauthorization in the amount of $20, an authorization hold is placed on $20 in your account, so your available balance is only $30. Your actual balance would remain $50. Before the merchant charge is sent to us for payment, a check that you wrote for $40 clears. Because your available balance is only $30 (due to the authorization hold of $20), your account will be overdrawn by $10, even though your actual balance is $50. In this case, we may pay the $40 check, but you will be charged an Overdraft Privilege Fee of $30. That fee will be deducted from your account, further increasing the overdrawn amount. Your account is considered overdrawn when the available balance in your share or deposit account are is negative (less than $0). YOU ACKNOWLEDGE THAT YOU MAY STILL OVERDRAW YOUR ACCOUNT EVEN THOUGH THE AVAILABLE BALANCE APPEARS TO SHOW THERE ARE SUFFICIENT FUNDS TO COVER A TRANSACTION THAT YOU WANT TO MAKE. This is because your available balance may not sufficient to pay the full amount of a checkreflect all your outstanding checks, draft, transactionautomatic bill payments that you have authorized, or other itemoutstanding transactions that have not yet been paid from your account. In the example above, plus any applicable feethe outstanding check will not be reflected in your available balance until it is presented to us and paid from your account. In addition, that is posted your available balance may not reflect all of your debit card transactions. For example, if a merchant obtains our prior authorization but does not submit a one-time debit card transaction for payment within three (3) business days of authorization (or for up to thirty (30) business days for certain types of debit card transactions, including but not limited to car rental transactions and international transactions), we must release the authorization hold on the transaction. The available balance will not reflect this transaction once the hold has been released, which generally occurs when the transaction has been received by us and paid from your account. Refer to the section entitled “Authorization Holds for Debit Card Transactions” below for information about how authorization holds affect your available balance. Finally, your available balance may not reflect the most recent deposits to your account, we may return . Refer to our Funds Availability Policy for information regarding the item or pay it, as described belowavailability for withdrawal of your deposits. The Credit Union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s midnight deadline with only one review of the account requiredHOW TRANSACTIONS ARE POSTED TO YOUR ACCOUNT. We do not have to notify you if your account does not have sufficient funds available to pay an item. Whether we pay or return the item, your account may be subject to a fee as set forth in the Fee Schedule Disclosure. We may charge a fee each time an item is submitted or resubmitted for payment, causing you to be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against the savings in your account. The Credit Union may pay such approved items to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • How Transactions There are Posted to Your Account. Basically, there are basically two types of transactions that affect in your account: credits (or deposits of money into your account) , and debits (or payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits We can receive credit and debit transactions in different forms at various times each business day. We reserve the right to determine the timing and order in which such transactions are generally added posted to your account when to the extent permitted by law. We determine the order in which we process and post credits and debits to your account based on a number of factors. We may pay or authorize some transactions, and decline or return others, in any order we deem appropriate to the extent permitted by law. When the available balance in your account is not sufficient to cover all of the transactions presented that day, some posting orders can result in more returned items and more overdraft and returned item fees than other posting orders. Some items are received by us individually and others are received in batches at various times each business day. Items that we currently receive individually include ATM withdrawals, point-of-sale (POS) transactions, and teller transactions. These individual items are generally posted to your account as they are received by us each business day. Items that we currently receive in batches include checks drawn on your account presented by other financial institutions, “on us” checks, and ACH and debit card transactions. If multiple checks are presented on any given day, they are cleared in check order sequence, beginning with lower check numbers clearing first, followed by higher check numbers. We generally post batched transactions as they are received throughout each business day (subject to certain exceptions). For non-check batched transactions, we receive themat the same time on a particular business day, we will generally post those non-check batched transactions in the order received. HoweverThe order in which items are posted to your account will depend on a number of factors. For example, in some cases connection with our item posting process, we reserve the right to: (i) establish different categories of items, (ii) establish a posting order for each category of item(s), (iii) establish different posting orders for items within each category, and (iv) change the timing of when items are posted during the day and whether they are posted individually or in batches. Except to the extent limited by applicable law, we have the right to change any of the factors described in (i), (ii), (iii) and (iv) listed above at any time without notice to you. AUTHORIZATION HOLDS FOR DEBIT CARD TRANSACTIONS. When you deposit a checkuse your debit card to pay for goods or services, the full merchant may seek preauthorization from us for the transaction. When we preauthorize the transaction, we commit to make the requested funds available when the transaction finally posts and as such, we generally place a temporary hold against some or all of the funds in the account linked to your debit card, based on the amount of the deposit preauthorization request from the merchant. We refer to this temporary hold as an “authorization hold,” and the amount of the authorization hold will be subtracted from your available balance as authorization requests are received by us throughout each day. Until the transaction finally settles or we otherwise remove the hold (for example, we may remove the hold because it exceeds the time permitted, as discussed below, or we determine that it is unlikely to be processed), the funds subject to the hold will not be available to you at for other purposes. At some point after you sign for the time of deposit. Please refer to the Funds Availability Policy Disclosure provided at the time you opened your account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a checktransaction, it is processed through by the Federal Reserve systemmerchant and submitted to us for payment. This can happen hours or sometimes days after you signed for it, depending on the merchant and its processing company. These payment requests are received in real time throughout the day and are posted to your account as they are received. The amount of an authorization hold may differ from the actual transaction amount because the actual transaction amount may not yet be known to the merchant when the authorization request is submitted. For example, this can happen in connection with transactions where your debit card is swiped before your actual transaction amount is known, such as at a restaurant or gas station (e.g., at a restaurant, you may choose to add a tip to the transaction amount). For these types of transactions, there may be no authorization hold, or the amount of the authorization hold may be different from the transaction amount. In some other cases we may not receive an authorization request from the merchant, and there will be no authorization hold reflected in your available balance. We receive data files of cashed checks from the Federal Reserve each daycannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment. The checks drawn We are permitted to place an authorization hold on your account are compiled from these data files and paid each day. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks for up to three (3) business days (or drafts presented on the same day in our Share Draft File clear in check number order.for up to thirty

Payment of Overdrafts. If, on any day, the available balance in your share or deposit account are not sufficient is insufficient to pay the full amount of a check, draft, transaction, transaction or other item, item posted to your account plus any applicable fee, that is posted to your accountfee (“overdraft”), we may pay or return the item or pay it, as described below. The Credit Union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s midnight deadline with only one review of the account requiredoverdraft. We do not have to notify you if the available balance in your account is insufficient to pay a check, transaction or item. Your account may be subject to a charge for each overdraft regardless of whether we pay or return the check, transaction, or item. For ATM and one-time debit card transactions, you must opt-in to Enhanced Courtesy Pay privileges in order for the transaction amount to be covered. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the Fee Schedule. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your optional overdraft protection privileges. Accounts with an Overdraft Protection/Line of Credit are protected separately, as disclosed in the Loan Agreement and Disclosure. For accounts without an Overdraft Line of Credit, if the available balance is insufficient to pay the withdrawal, a transfer will be made from your available balance in your Primary Savings account for a minimum of $100.00 or whatever amount necessary to pay the withdrawal and a transfer fee as set forth in the current Fee Schedule. However, no transfer from the savings account will be made if the transfer would leave less than minimum balance in your savings account. If the available balance in your checking account, under this Agreement, is insufficient to pay the entire withdrawal we will look to see if funds are available in your Overdraft Protection/Line of Credit (if you have this service). If funds are not available in your Line of Credit, or you do not have one, a transfer may be made from your primary savings account, if prior authorization is set up, and with applicable fee. If the available balance in your primary savings account is insufficient and you are eligible for the Courtesy Pay service, the transaction may be covered under the Courtesy Pay program. Primary savings account is not subject to overdraft protection or Courtesy Pay. • Courtesy Pay & Enhanced Courtesy Pay Courtesy Pay is a discretionary overdraft protection offered to members in good standing as defined by Lexington. This non-contractual service represents a purely discretionary courtesy or privilege that Lexington may provide to its account owners from time to time, and which may be withdrawn or withheld by Lexington at any time without prior notice, reason or cause. Courtesy Pay is not a loan and is only intended as short-term coverage for unanticipated, occasional overdraft situations on your account. Lexington is not obligated to pay any item(s) presented for payment if a checking account does not contain sufficient collected funds (as determined by a review of the available balance in the account). With Courtesy Pay, Lexington may pay items including checks and ACH/Pre-authorized drafts and/or electronic transactions presented for payment that exceed the available balance in your checking account. Lexington may pay such items up to a limit as determined by Lexington, based on you been a member in good standing, your checking account has been opened for at least 60 days, you have sufficient funds direct deposit of your paycheck or payroll deposit to your checking account within in the past 35 days, and if you have a loan with the credit union the payment cannot be more than 60 days delinquent. The maximum Courtesy Pay limit on your account will be lesser of $500 or the largest Direct Deposit in the past 35 days. Any and all applicable Overdraft Courtesy Pay fees, may be included in the overdraft limit as stated in this section. You are not charged for using Courtesy Pay unless an item is presented that exceeds the account’s available to pay an itembalance. Whether we pay or return the an item, your account may be subject to assessed a fee, either as a Courtesy Pay fee or an Insufficient Funds fee as set forth in the per Lexington Fee Schedule DisclosureEnhanced Courtesy Pay is for debit and atm transactions. You must “Opt In” for this courtesy pay option. We strongly recommend that you first check your available balance before making an ATM withdrawal or debit card purchase. Should you conduct any transaction using your debit card that will overdraw your account, Lexington may charge a fee each time an item honor that request by using our Enhanced Courtesy Pay. The total of the (negative) balance, including any and all fees and charges, is submitted or resubmitted for payment, causing you due and payable upon demand. You will continue to be assessed more than one fee as liable, jointly and severally, for all such amounts. It is anticipated that you will make a deposit immediately to cover an overdrawn balance. If your account remains in an overdraft status, we may suspend the payment of items that exceed the account’s available balance until your account is once again in good standing. If your account remains in a negative balance for an extended period of time, this may result of in a returned item and resubmission(s) of the returned itemclosed account status. OPT OUT – Courtesy Pay - If you wish not to have Lexington use Courtesy Pay on your checking account you must sign our “Opt Out” form or request it in writing. • Overdraft Transfer from Savings - The Credit Union is authorized Options and Your Overdraft Liability Lexington’s Courtesy Pay service does not constitute an actual or implied agreement between you and the Credit Union. Nor does it constitute an actual or implied obligation of or by the Credit Union. This represents a discretionary courtesy or privilege that the Credit Union may provide from time to charge payments for approved items against the savings in your accounttime, and which may be withdrawn or withheld by us at any time with out prior notice or reason or cause. The Credit Union reserves the right to pay or return any non-sufficient funds items. Payment of Checks You agree not to issue any check or draft that is postdated. We may pay such approved items to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It a check on whatever day it is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to your account when we receive them. However, in some cases when you deposit a 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 account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a notwithstanding the date appearing on the check, it is processed through the Federal Reserve system. We receive data files of cashed may pay checks from the Federal Reserve each day. The checks drawn on your account are compiled from these data files and paid each day. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts presented on the same day in our any order, which could result in more checks being unpaid in presented in a different order. We are not obligated to pay any check or draft drawn on your account that is presented more than six (6) months past its date. However, we have no obligation or liability to you if we do so. Paid checks will not be returned to you. We will make photocopies available to you of specific paid check upon request. A fee may be associated with each item requested. • Stop Payment Orders o Stop Payment Request on Checks/Share Draft File clear You may stop payment on a check drawn on your account. You must inform the Credit Union of the member account number and at least the check number. An oral stop is effective for only fourteen (14) days and must be followed up with a written notice that is effective for six (6) months. If you do not confirm the order in writing within that time, it will cease to be effective. We are not required to notify you when a stop payment order expires. Fees for stop payment request are in our Fee Schedule While payment of the item may be stopped, you may remain liable to any person, including Lexington, who is a holder of the item despite the stop payment order. You agree to indemnify and hold Lexington harmless from all costs, including attorney fees, damages or claims related to Lexington’s action in refusing payment of an item, including any claims of any joint account owner, payee or endorsee in failing to stop payment of an item as a result of incorrect information provided byyou. o Stop Payment- Teller’s Check Payment on any teller’s check number order.or any other check, or payment guaranteed by us may be stopped only according to the provisions of Section 4-403 of the Uniform Commercial Code as enacted by the state of New York. Contact the branch for more information. In Person presented check/draft Lexington may refuse to accept any check or draft drawn on your account that is presented for payment in person. Such refusal shall not constitute a wrongful dishonor of the check or draft and we shall have no liability for refusing payment. You agree that we may charge a fee to any person or entity presenting a check drawn on your account for cashing. Name or Address Changes

Payment of Overdrafts. If, on any day, the available balance funds in your share or deposit account are not sufficient to pay the full amount of a check, draft, transactionitem, transaction or other item, items posted to your account plus any applicable fee, that is posted to your accountfee ("overdraft"), we may pay or return the item or pay it, as described belowoverdraft. The Credit Union’s credit union's determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s credit unions's midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds available to pay an itemoverdraft. Whether we pay or return the item, your Your account may be subject to a charge for each overdraft regardless of whether we pay or return the overdraft. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or, if you do not have such a plan ,in accordance with our overdraft payment policy. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks, drafts, and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Under most circumstances we pay items as they are received throughout the day, allowing for credits to the account to post first if they are received in the same batch with account debits. Checks received via draft in-clearing batches will be sorted and paid based on lowest dollar amount items first, this should result in the fewest overdraft charges to the member. Stop Payment Orders. You may request a stop payment order on any check or other written instrument drawn on your account that has not been paid or certified. You may call us to request a stop payment, but to be binding, we may require that the order be dated, signed, and describe the account number, item number, and the exact amount of the item. The stop payment order will be effective if we receive the order in time for us to act upon the order. You understand that the exact information is necessary for our computer system to identify the item. If you give us incorrect or incomplete information, or the stop payment order is not received in time for us to act upon it, we will not be responsible for failing to stop payment on the item and we will not be liable to you or to any other party for payment of the draft. If we recredit your account after paying a draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer to us all of your rights against the payee or other holders of the draft and to assist us in any legal action. A verbal stop payment order is valid for only 14 days, unless we receive a written confirmation thereof. A written stop payment order on a check that is not converted to an ACH transaction is valid for only six months unless it is renewed by you. For all other transactions, stop payment orders do not expire. Fees for stop payment orders will be imposed and are set forth in on the Account Rate Schedule and/or Fee Schedule DisclosureSchedule. We You may charge a fee each time not stop payment on any certified check, cashier's check, teller's check, official check, or any other check, draft, or payment guaranteed by us. Although payment of an item is submitted may be stopped, you may remain liable to any item holder, including us. You have the burden of establishing the fact and amount of loss resulting from the payment of an item contrary to a binding stop payment order. You agree to indemnify and hold us harmless from all costs, including reasonable attorney's fees, damages or resubmitted for paymentclaims related to our refusing payment of an item, causing you including claims of any multiple party account owner, payee, or endorsee in failing to be assessed more than one fee stop payment of an item as a result of a returned item incorrect information provided by you. ACH and resubmission(s) Wire Transfers. This provision applies to funds transfers as defined in Article 4A of the returned itemUniform Commercial Code and Subpart B of Regulation J of the Board of Governors of the Federal Reserve System. • Overdraft Transfer (e.g., wire transfers). You authorize us to transfer funds according to your instructions ("payment order") to and from Savings - The Credit Union is authorized your designated account(s), or to and from another financial institution. You also authorize us to charge payments for approved items against the savings in your account. The Credit Union may pay such approved items to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to your account when we receive them. However, in some cases when you deposit a 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 account for details regarding any related fees or service charges. We may require that transfers follow certain security procedures. We will notify you of any such security procedures and you agree that our security procedures are commercially reasonable. Cut-off times may apply to the timing receipt, execution and availability processing of funds from depositstransfers, payment orders, cancellations, and amendments and if received after a cut-off time, may be treated as having been received on the next following funds transfer business day. − Debits - There Information about any cut-off times is available upon request. When processing a payment order, payment may be made based solely on the account number provided in the payment order, even if that account number identifies a beneficiary other than the one that you name in the payment order. Similarly, if the payment order identifies the name, routing number and transit number of the beneficiary's financial institution, payment may be made solely on the basis of the routing and transit number, even if those numbers do not correspond to the name of the financial institution that you supplied. You agree that your obligation to pay the wire transfer is not affected if the identifying numbers do not match the named beneficiary or financial institution. You are several types of debit transactionsalso responsible for any loss or expenses incurred by a receiving bank which executes or attempts to execute the payment order in reliance on the identifying number you provided. Common debit transactions are generally described belowWe may also pay wire transfers received by us for your benefit based solely on the account number. Keep in mind that there are many ways transactions are presented for We may refuse to accept or execute any payment by merchantsorder, or an amendment or cancellation thereof, and we are not necessarily in control of when transactions are received. o Checks - When you write shall be deemed to have accepted a check, it is processed through the Federal Reserve systempayment order or its amendment or cancellation only upon execution thereof. We 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. The Credit Union processes may reject or refuse to accept or execute a payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number order.order if

Payment of Overdrafts. If, on any day, the available balance in your share or deposit account You are not sufficient obligated to pay any item presented for payment if my Account does not contain sufficient available funds. If you pay a transaction that overdraws my Account, you are not obligated to continue paying such transactions in the full amount of a checkfuture. You may pay all, draft, transactionsome, or other itemnone of my overdrafts, plus without notice to me. I am liable to you to repay any applicable feeoverdrafts on my account whether I created them or not. If I do not pay you, that is posted and you take collection action against me, I agree to pay for your accountcosts of collection. You may close, we may return the item or pay itwithout notice, as described below. The Credit Union’s determination of an any account with excessive insufficient available account balance may be made at any time between presentation funds activity, and the Credit Union’s midnight deadline with only one review of report the account requiredto a consumer reporting agency. We You assess a fee for each item that you either pay, which results in an overdraft, or do not pay, which would have to notify resulted in an overdraft had you if your account does not have sufficient funds available to paid it. If you pay an item. Whether we pay or return the itemitem in accordance with your Overdraft Service (described in more detail below), your account may be subject to a fee you will charge an Overdraft Service Fee as set forth in the Fee Schedule Disclosureof Fees. We may If you return an item, you will charge a fee each time an item is submitted or resubmitted for payment, causing you to be assessed more than one fee as a result of a returned item and resubmission(sNon-sufficient Funds (NSF) of the returned item. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against the savings in your account. The Credit Union may pay such approved items to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings Fee as set forth in the Schedule of Fees. I will refer to the Schedule of Fees for a listing of fees, which is updated periodically. You limit the number of NSF and Overdraft Service Fees you charge in a business day. If my ending account balance is overdrawn you will not charge a fee for any item that is $5 or less. The maximum number of overdrafts due to insufficient or unavailable funds that will be subject to overdraft charges in one day is six (6), this is not including overdraft transfers. You will charge a Daily Negative Balance Fee as set forth in the Schedule Disclosureof Fees if my checking account remains overdrawn for more than three (3) consecutive days, beginning on the fourth (4th) calendar day up to a maximum of fourteen (14) consecutive days. • How Transactions You recommend that I apply for one of the optional overdraft protection plans described below. These plans can help me avoid overdrafts and returned items. While fees apply when I use an optional overdraft protection plan, the fees under the plan are Posted less expensive than NSF and Overdraft Service Fees. I will refer to Your Accountthe “Optional Overdraft Transfer Protection Plans” section below for more information. BasicallyMY CHECKING ACCOUNT BALANCE. My Checking Account has two kinds of balances: the “actual” balance and the “available” balance. Both can be checked when I review my account online, there at a Credit Union-owned ATM, by phone, or at a branch. It is important to understand how the two balances work so that I know how much money is in my account at any given time. This section explains actual and available balances and how they work. My actual balance is the amount of money that is actually in my account at any given time, but not all funds included in the actual balance are considered available for transactions on my account. The actual balance is also referred to as: (a) my “current balance” on Credit Union ATM screens, in Mobile Banking, and 1st Call; and (b) my “balance” in Online Banking. My actual balance reflects transactions that have posted to my account, but not transactions that have been authorized and are pending or pending deposits that are subject to holds under your Funds Availability Policy. While the term “actual” may sound as though the number I see is an up-to-date indication of what is in my account that I can spend, that is not always the case. My actual balance will not reflect any purchases, holds, fees, other charges, or deposits made on my account that have not yet posted. For example, if I have a $50 actual balance, but I just wrote a check for $40, then my actual balance is $50 but it does not reflect the pending check transaction. So at that point, I have an actual balance of $50, but I have already spent $40. My available balance is the amount of money in my account that is available to me to use without incurring an overdraft fee. The available balance takes into account factors such as holds placed on deposits and pending transactions (such as pending debit card purchases) that the Credit Union has authorized but that have not yet posted to my account. For example, assume I have an actual balance of $50 and an available balance of $50. If I were to use my Debit Card at a restaurant to buy lunch for $20, then that merchant could ask you to pre-authorize the payment in that amount (or even a different amount). Under this example, if the merchant requested preauthorization in the amount of $20, you will place a “hold” on my account for $20 (referred to as an “authorization hold”). My actual balance would still be $50 because this transaction has not yet posted, but my available balance would be $30 because of the restaurant’s preauthorization request that resulted in an authorization hold on $20 in my account. When the restaurant submits its bill for payment (which could be a few days later and for a different amount than the amount of the authorization hold), you will post the transaction to my account and my actual balance will be reduced by the amount of the posted transaction and hold will be removed. You use my available balance to determine when my account is overdrawn. The following example illustrates how this works: Assume my actual and available balances are both $50, and I use my Debit Card at a restaurant for $20. If the restaurant requests preauthorization in the amount of $20, an authorization hold is placed on $20 in my account, so my available balance is only $30. My actual balance would remain $50. Before the restaurant charge is sent to you for payment, a check that I wrote for $40 clears. Because my available balance is only $30 (due to the authorization hold of $20), my account will be overdrawn by $10, even though my actual balance is $50. In this case, you may pay the $40 check, but I will be charged an Overdraft Service Fee. That fee will be deducted from my account, further increasing the overdrawn amount. My account is considered overdrawn when the available balance in my account is negative (less than $0). I ACKNOWLEDGE THAT I MAY STILL OVERDRAW MY ACCOUNT EVEN THOUGH THE AVAILABLE BALANCE APPEARS TO SHOW THERE ARE SUFFICIENT FUNDS TO COVER A TRANSACTION THAT I WANT TO MAKE. This is because my available balance may not reflect all my outstanding checks, automatic bill payments that I have authorized, or other outstanding transactions that have not yet been paid from my account. In the example above, the outstanding check will not be reflected in my available balance until it is presented to you and paid from my account. In addition, my available balance may not reflect all of my debit card transactions. For example, if a merchant obtains your prior authorization but does not submit a one-time debit card transaction for payment within three (3) business days of authorization (or for up to thirty (30) business days for certain types of debit card transactions, including but not limited to car rental transactions and international transactions), you must release the authorization hold on the transaction. The available balance will not reflect this transaction once the hold has been released, which generally occurs when the transaction has been received by you and paid from my account. I will refer to the section entitled “Authorization Holds for Debit Card Transactions” below for information about how authorization holds affect my available balance. Finally, my available balance may not reflect the most recent deposits to my account. I will refer to your Funds Availability Policy for information regarding the availability for withdrawal of my deposits. HOW TRANSACTIONS ARE POSTED TO MY ACCOUNT. There are basically two types of transactions that affect your in my account: credits (or deposits of money into your my account) , and debits (or payments out of your my account). It is important to understand how each is applied to your my account so that you I know how much money you I have and how much is available to you me at any given time. This section explains generally how and when we you post transactions to your my account. − Credits - Deposits are generally added to your account when we receive them. However, in some cases when you deposit a 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 account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We 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. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number order.

Payment of Overdrafts. IfAn overdraft of your account can occur if, on any day, the available balance funds in your share or deposit account are not sufficient or you do not have enough money in your account to pay the full amount of a check, draft, transaction, or other itemitem (collectively referred to as “Item”), plus any applicable fee, fee that is posted to your account. Should there be an overdraft of your account, we may return the item Item or pay it, as described below, even if you have an overdraft protection plan or other overdraft service. We are not required to pay any Item that exceeds the available balance in your account. THE CREDIT UNION USES YOUR AVAILABLE BALANCE TO CALCULATE WHETHER YOU HAVE SUFFICIENT FUNDS TO PAY ITEMS, INCLUDING CHECKS AND DRAFTS, AS WELL AS ACH, DEBIT CARD AND OTHER ELECTRONIC TRANSACTIONS. Your checking account has two kinds of balances: the “current balance” and the “available balance.” Your current balance reflects the full amount of all settled deposits to your account as well as settled 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. An available balance is based on transactions that institutions have authorized (and therefore are obligated to pay) but not yet settled, along with settled transactions. The available balance for your account is determined according to our Funds Availability Policy Disclosure. Pending transactions and holds placed on your account may reduce your available balance and may cause your account to become overdrawn regardless of your current balance. 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 and current balance online at xxx.xxxxxx.xxx, at an ATM, by visiting a credit union branch or by calling us at (000) 000-0000 or toll free at (800) 216- 2666. The following illustrates the difference between current balance and available balance: • If a member has a $100.00 current balance but uses his/her debit card to buy dinner for $40.00, then there is a pre-authorization hold on his/her account (at the request of the restaurant), and his/her available balance (the money he/she has left to use) is $60.00. In other words, the $40.00, which the member just spent, is no longer available for use. His/her current balance is still $100.00 until the restaurant charge is submitted and posted to his/her account. • On the deposit side, if the Credit Union chooses to put a hold on a check, for example, an out-of-state check in the amount of $5,000.00, the hold will be placed on the entire amount of the check. In this example, his/her available balance is $0.00 and his/her current balance is $5,000.00. The Credit Union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s midnight deadline with only one review of the account required. We do not have to notify you if your account does not have sufficient available funds available in order to pay an itemItem. Whether we pay or return the item, your Your account may be subject to a fee as set forth (currently $25.00 pursuant to the Business Account Schedule of Fees and Charges; this fee may change in the Fee Schedule Disclosurefuture) for each Item regardless of whether we pay or return the Item. We may will charge a fee each time an item Item is submitted or resubmitted to the Credit Union for paymentpayment (an Item can be resubmitted to the Credit Union for payment a maximum of two times); therefore, causing you to may be assessed more than one fee as a result of a returned item Item and resubmission(s) of the returned item. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against the savings in your account. The Credit Union may pay such approved items to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to your account when we receive them. However, in some cases when you deposit a 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 account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We 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. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number orderItem.

Payment of Overdrafts. If, on any day, the available balance funds in your share or deposit account are not sufficient to pay the full amount of a check, draft, transactionitem, transaction or other item, items posted to your account plus any applicable fee, that is posted to your accountfee (“overdraft”), we may pay or return the item or pay it, as described belowoverdraft. The Credit Unioncredit union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Unioncredit union’s midnight deadline with only one review of the account required. We do not have to notify you if your account does not have sufficient available funds available to pay an itemoverdraft. Whether For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may dis- continue covering overdrafts at any time without notice. If we pay an overdraft or return impose a fee that overdraws your account, you agree to pay the itemoverdrawn amount in accordance with your overdraft protection plan or, if you do not have such a plan, in accordance with our overdraft policy. You authorize us to use the right of offset of any funds deposited to your account to cover overdrafts and related fees. Each deposit, including any type of direct deposit, such as payroll, Social Secu- rity, military, pension, SSI, etc., to your account after an overdraft may be treated as a voluntary payment of a debt incurred. If you do not repay the overdrawn amount, your account may will be subject to a charged off, assessed an additional fee as set forth disclosed in the Fee Schedule Truth-in-Savings Disclosure. We may charge a fee each time an item is submitted or resubmitted for payment, causing you to and this derogatory information will be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against the savings in your account. The Credit Union may pay such approved items to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to your account when we receive them. However, in some cases when you deposit a check, the full amount of the deposit may not be available to you at the time of deposit. Please refer reported to the Funds Availability Policy Disclosure provided at the time you opened your account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We 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. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number ordercredit reporting agencies.

Payment of Overdrafts. If, on any day, the available balance funds in your share or deposit account are not sufficient to pay the full amount of a check, draft, transactionitem, transaction or other item, items posted to your account plus any applicable fee, that is posted to your accountfee (“overdraft”), we may pay or return the item or pay it, as described belowoverdraft. The Credit Unioncredit union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Unioncredit union’s midnight deadline with only one review of the account required. We do not have to notify you if your account does not have sufficient available funds available to pay an itemoverdraft. Whether we pay or return the item, your Your account may be subject to a fee as set forth charge for each overdraft regardless of whether we pay or return the overdraft. For ATM and one-time debit transactions, you must consent to the credit union's overdraft protection plan in order for the Fee Schedule Disclosuretransaction amount to be covered under the plan. We Without your consent, the credit union may not authorize and pay an overdraft resulting from these types of transactions. Because we may charge a service fee for an NSF item each time an item it is submitted or resubmitted for paymentpresented, causing we may charge you to be assessed more than one service fee as a result of a returned item and resubmission(s) of the returned for any given item. • Overdraft Transfer from Savings - The Credit Union is authorized Except as otherwise agreed in writing, if we exercise our right to charge payments for approved items against use our discretion to pay an overdraft, we do not agree to pay overdrafts in the savings in future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or, if you do not have such a plan, in accordance with our overdraft policy. The Credit Union OVERDRAFTS – ATM AND DEBIT CARD – If an overdraft is needed to cover your ATM or Debit card transaction we may pay such approved items it at our discretion. You must opt-in to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to your account when we receive them. However, in some cases when you deposit a check, the full amount of the deposit may not be available to you at the time of depositthis potential coverage. Please refer to see Schedule of Fees and Charges. If we do not authorize and pay the Funds Availability Policy Disclosure provided at the time you opened overdraft your account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We 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. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number ordertransaction will be denied.

Payment of Overdrafts. If, If on any day, the available balance funds in your share or deposit checking account are not sufficient to pay the full amount of a check, draft, transaction, or cover checks and other item, plus any applicable fee, that is items posted to your account, we those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may return the item or pay it, as described belowhave with us. The Credit Union’s 's determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s midnight deadline 's payment of item with only one review of the account required. We do not have The Credit Union has no duty to notify you if your account does not have sufficient of an insufficient funds available to pay an item. Whether we pay or return the item, your account The Credit Union may be subject to charge a fee for an insufficient funds item whether paid or returned as set forth in the Fee Rate Addendum and Schedule Disclosureof Fees and Charges. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We may charge a fee each reserve the right to pursue collection of previously dishonored items at any time. For ATM and one-time an item is submitted or resubmitted debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for payment, causing you the transaction amount to be assessed more than one fee as covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the Schedule of Fees and Charges. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a result of a returned check or item and resubmission(s) execute other transactions on your account in any order we choose. The order in which we process checks and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks and process transfers and withdrawals. POSTDATED AND STALE DATED ITEMS You authorize us to accept and pay any check, even if the returned itemcheck is presented for payment before its date. • Overdraft Transfer from Savings - You also agree not to deposit checks or other items before they are properly payable. The Credit Union is authorized to charge payments for approved items against the savings in your account. The Credit Union may pay such approved items to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available under no obligation to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to your account when we receive them. However, in some cases when you deposit pay a 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 account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We receive data files of cashed checks from the Federal Reserve each day. The checks check drawn on your account are compiled from these data files and paid each daythat is presented more than six (6) months after its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union processes receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of checks as follows: − Checks negotiated the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all of your rights against the payee or other holders of the check to the Credit Union, and to assist the Credit Union in person at one of our branch locations are cleared upon presentment legal action taken against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number orderperson.

Payment of Overdrafts. If, on any day, the available balance funds in your share or deposit account are not sufficient to pay the full amount of a check, draft, transactionitem, transaction or other item, items posted to your account plus any applicable fee, that is posted to your accountfee (“overdraft”), we may pay or return the item or pay it, as described belowoverdraft. The Credit Unioncredit union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Unioncredit union’s midnight mid- night deadline with only one review of the account required. We do not have to notify you if your account does not have sufficient available funds available to pay an itemoverdraft. Whether For one-time debit transactions, you must consent to the Credit Union’s overdraft protec- tion plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or return impose a fee that overdraws your account, you agree to pay the itemoverdrawn amount in accordance with your overdraft protection plan or, if you do not have such a plan, in accordance with our overdraft policy. You authorize us to use the right of offset of any funds deposited to your account to cover overdrafts and related fees. Each deposit, includ- ing any type of direct deposit, such as payroll, Social Security, military, pension, SSI, etc., to your account after an overdraft may be treated as a voluntary payment of a debt incurred. If you do not repay the overdrawn amount, your account may will be subject to a charged off, assessed an additional fee as set forth disclosed in the Fee Schedule Truth-in-Savings Disclosure. We may charge a fee each time an item is submitted or resubmitted for payment, causing you to and this derogatory information will be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against the savings in your account. The Credit Union may pay such approved items to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to your account when we receive them. However, in some cases when you deposit a check, the full amount of the deposit may not be available to you at the time of deposit. Please refer reported to the Funds Availability Policy Disclosure provided at the time you opened your account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We 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. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number ordercredit reporting agencies.

Payment of Overdrafts. If, on any day, the available balance in your share or deposit account are not sufficient is insufficient to pay the full amount of a check, draft, transaction, transaction or other item, item posted to your account plus any applicable fee, that is posted to your accountfee (“overdraft”), we may pay or return the item or pay it, as described below. The Credit Union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s midnight deadline with only one review of the account requiredoverdraft. We do not have to notify you if the available balance in your account does not have sufficient funds available is insufficient to pay an a check, transaction or item. Whether we pay or return the item, your Your account may be subject to a charge for each overdraft regardless of whether we pay or return the check, transaction, or item. For ATM and one-time debit card transactions, you must opt-in to Courtesy Pay Select privileges in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the Courtesy Pay Select Opt-In Form used to capture the member’s opt-in choice for overdraft protection and the Rate and Fee Schedule. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your optional overdraft protection privileges. Accounts with an Overdraft Protection/Line of Credit are protected separately, as disclosed in the Overdraft Line of Credit Agreement and Disclosure. For accounts without an Overdraft Line of Credit, if the available balance is insufficient to pay the withdrawal, a transfer will be made from your available balance in your Primary Savings account for the amount necessary (when added to the amount available in your checking account and transferred under this Agreement) to pay the withdrawal and a transfer fee as set forth in the current Rate and Fee Schedule DisclosureSchedule. We may charge a fee each time an item is submitted or resubmitted for payment, causing you to be assessed more than one fee as a result of a returned item and resubmission(s) of If the returned item. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against the savings available balance in your checking account, under this Agreement, is insufficient to pay the entire withdrawal we will look to see if funds are available in your Overdraft Protection/Line of Credit (if you have this service). If funds are not available in your Line of Credit, or you do not have one, a transfer will be made from your Primary Savings account. The Credit Union may pay such approved items to If the available balance in your Primary Savings account in is insufficient and you are eligible for the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to your account when we receive them. However, in some cases when you deposit a checkCourtesy Pay service, the full amount of transaction may be covered under the deposit may not be available to you at the time of depositCourtesy Pay program. Please refer to the Funds Availability Policy Disclosure provided at the time Courtesy Pay (15b.) section below for more information regarding Courtesy Pay. We will look to see if funds are available in your Overdraft protection/ Line of Credit (if you opened have service). If funds are not available in your account for details regarding the timing and availability Line of Credit, we will transfer funds from depositsyour Share 1 account. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we If funds are not necessarily available in control of when transactions are receivedyour Share 1 account, we may use Courtesy Pay to clear the item (if you have this service). o Checks - When If you write a check, it is processed through the Federal Reserve system. We receive data files of cashed checks from the Federal Reserve each day. The checks drawn or anyone authorized on your account requests to make a withdrawal from your Primary Savings account in excess of the available balance in that account, we will look to see if funds are compiled available in your Overdraft Protection/Line of Credit (if you have this service). If funds are not available in your Line of Credit, or you do not have one, a transfer will be made from these data files your checking account and paid each daya transfer fee as set forth on the Rate and Fee Schedule. The If the available balance in your checking account is insufficient, the item will be returned due to insufficient funds and an Insufficient Funds fee will be applied according to the Rate and Fee Schedule. We will look to see if funds are available in your Overdraft rotection/ Line Credit Union processes payment (if you have service). If funds are not available in your Line of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available Credit, we will transfer funds in the from your checking account. − Checks or drafts presented on If funds are not available in your checking account, we may use Courtesy Pay to clear the same day in our Share Draft File clear in check number orderitem (if you have this service).

Payment of Overdrafts. If, on any day, the available balance funds in your share or deposit account are not sufficient to pay the full amount of a check, draft, transaction, or other item, item posted to your account plus any applicable fee, that is posted to your accountfee (“overdraft”), we may pay or return the item or pay it, as described belowoverdraft. The Credit Union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds available to pay an itemoverdraft. Whether we pay or return the item, your Your account may be subject to a fee as set forth charge for each overdraft regardless of whether we pay or return the overdraft. For ATM and one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the Fee Schedule Disclosure. We may charge a fee each time an item is submitted or resubmitted for payment, causing you transaction amount to be assessed more than one fee as a result of a returned item and resubmission(s) of covered under the returned itemplan. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against Without your consent, the savings in your account. The Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your overdraft protection plan or, if you do not have such approved a plan with us, in accordance with our overdraft payment policy.  Order of Payments. Checks, drafts, transactions, and other items to may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft, or item, and execute other transactions on your account in any order that we choose. The order in which we process checks, drafts, or items, and execute other transactions on your account may affect the total amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • How Transactions are Posted to Your Account. Basically, there are two types of transactions fees that affect your account: credits (deposits of money into your account) and debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions may be charged to your account. − Credits - Deposits are generally added Please contact us if you have questions about how we pay checks or draft and process transfers and withdrawals. Postdated and Staledated Checks or Drafts – You agree not to your account when issue any check or draft that is payable on a future date (postdated). If you do issue a check or draft that is postdated and we receive them. Howeverpay it before that date, in some cases when you deposit a check, the full amount of the deposit may not be available agree that we shall have no liability to you at the time of depositfor such payment. Please refer You agree not to the Funds Availability Policy Disclosure provided at the time you opened your account for details regarding the timing and availability of funds from depositsdeposit checks, drafts, or other items before they are properly payable. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we We are not necessarily in control obligated to pay any check of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We receive data files of cashed checks from the Federal Reserve each day. The checks draft drawn on your account are compiled from these data files and paid each day. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts that is presented on the same day in our Share Draft File clear in check number order.more than six

Payment of Overdrafts. If, on any day, the available balance in your share or deposit account We are not sufficient obligated to pay the full amount of a check, draft, transaction, or other item, plus any applicable fee, that is posted to your account, we may return the item or pay it, as described below. The Credit Union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s midnight deadline with only one review of the account required. We do not have to notify you presented for payment if your account does not contain sufficient available funds. If we pay a transac- tion that overdraws your account, we are not obligated to continue paying such transactions in the future. We may pay all, some, or none of your overdrafts, without notice to you. You are liable to us to repay any overdrafts on your account whether you created them or not. If you do not pay us, and we take collection action against you, you agree to pay for our costs of collection. We may close, without notice, any account with excessive insufficient funds activity, and report the account to a consumer re- porting agency. We assess a fee for each item that we either pay, which results in an overdraft, or do not pay, which would have sufficient funds available to resulted in an overdraft had we paid it. The fees that we may assess are as follows: • If we pay an item in accordance with our Overdraft Privilege Service and the payment of such item does not result in you exceeding your Overdraft Privilege Service limit (described in more detail below), we will charge an Overdraft Privilege Fee of $30. • If we pay an item in accordance with the Overdraft Privilege Service and the payment of such item results in you exceeding your Overdraft Privilege Service limit, we will charge an Overdrawn Account Fee of $30. • If we pay an item, and you are not eligible for, or have opted out of, the Overdraft Privilege Service, we will charge an Overdrawn Account Fee of $30. Whether • If we pay or return the an item, we will charge a Non-sufficient Funds (NSF) Fee of $30. Refer to the Schedule of Fees for a listing of fees, which is updated periodically. We limit the number of Overdraft Privilege Fees we charge in a business day. The maximum number of Overdraft Privilege Fees that will be charged in one day is five (5). We recommend that you enroll in one of the optional overdraft protection plans described below. These plans can help you avoid overdrafts and returned items. While fees apply when you use an optional overdraft protection plan, the fees under the plan are less expensive than NSF and Overdraft Privilege Fees. Refer to the “Optional Overdraft Protection Plans” section below for more information. YOUR CHECKING ACCOUNT BALANCE. Your checking account has two kinds of balances: the “actual” balance and the “available” balance. Both can be checked when you review your account may be subject to online, at a fee as set forth in the Fee Schedule Disclosure. We may charge Credit Union-owned ATM, by phone, or at a fee each time an item is submitted or resubmitted for payment, causing you to be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against the savings in your account. The Credit Union may pay such approved items to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account)branch. It is important to understand under- stand how each is applied to your account the two balances work so that you know how much money you have and how much is available to you in your account at any given time. This section explains generally actual and available balances and how they work. Your actual balance is the amount of money that is actu- ally in your account at any given time, but not all funds included in the actual balance are considered available for transactions on your account. The actual balance may also be referred to as your “current ledger balance,” “cur- rent balance,” “ledger balance” or simply “balance” when using any of our electronic services, such as telephone banking, online banking, mobile banking or at Credit Union-owned ATMs. Your actual balance reflects transactions that have post- ed to your account, but not transactions that have been authorized and when we post are pending or pending deposits that are subject to holds under our Funds Availability Policy. While the term “actual” may sound as though the number you see is an up-to-date indication of what is in your account that you can spend, that is not always the case. Your actual balance will not reflect any purchases, holds, fees, other charges, or deposits made on your account that have not yet posted. For example, if you have a $50 actu- al balance, but you just wrote a check for $40, then your actual balance is $50 but it does not reflect the pending check transaction. So at that point, you have an actual balance of $50, but you have already spent $40. Your available balance is the amount of money in your account that is available to you to use without incurring an overdraft fee. The available balance takes into ac- count factors such as holds placed on deposits and pend- ing transactions (such as pending debit card purchases) that the Credit Union has authorized but that have not yet posted to your account. − Credits - Deposits are generally added For example, assume you have an actual balance of $50 and an available balance of $50. If you were to use your debit card at a restaurant to buy lunch for $20, then that merchant could ask us to pre-authorize the payment in that amount (or even a different amount). Under this example, if the merchant requested preauthorization in the amount of $20, we will place a “hold” on your account for $20 (referred to as an “authorization hold”). Your actual balance would still be $50 because this transaction has not yet posted, but your available balance would be $30 because of the restau- rant’s preauthorization request that resulted in an autho- rization hold on $20 in your account. When the restaurant submits its bill for payment (which could be a few days later and for a different amount than the amount of the authorization hold), we will post the transaction to your account when we receive them. However, in some cases when you deposit a check, and your actual balance will be reduced by the full amount of the deposit posted transaction. We use your available balance to determine when your account is overdrawn. The following example illustrates how this works: Assume your actual and available balance are both $50, and you use your debit card at a merchant for $20. If the merchant requests preauthorization in the amount of $20, an authorization hold is placed on $20 in your account, so your available balance is only $30. Your actual balance would remain $50. Be- fore the merchant charge is sent to us for payment, a check that you wrote for $40 clears. Because your available balance is only $30 (due to the authoriza- tion hold of $20), your account will be overdrawn by $10, even though your actual balance is $50. In this case, we may pay the $40 check, but you will be charged an Overdraft Privilege Fee of $30. That fee will be deducted from your account, further increas- ing the overdrawn amount. Your account is considered overdrawn when the available balance in your account is negative (less than $0). YOU ACKNOWLEDGE THAT YOU MAY STILL OVERDRAW YOUR ACCOUNT EVEN THOUGH THE AVAILABLE BALANCE APPEARS TO SHOW THERE ARE SUFFI- CIENT FUNDS TO COVER A TRANSACTION THAT YOU WANT TO MAKE. This is because your available balance may not reflect all your outstanding checks, au- tomatic bill payments that you have authorized, or oth- er outstanding transactions that have not yet been paid from your account. In the example above, the outstand- ing check will not be reflected in your available balance until it is presented to you at the time us and paid from your account. In addition, your available balance may not reflect all of deposit. Please refer to the Funds Availability Policy Disclosure provided at the time you opened your account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit card transactions. Common For example, if a merchant obtains our prior authorization but does not submit a one-time debit transactions are generally described below. Keep in mind that there are many ways transactions are presented card transaction for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We 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. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number order.within three

Payment of Overdrafts. If, If on any day, the available balance funds in your share or deposit checking account are not sufficient to pay the full amount of a check, draft, transaction, or cover checks and other item, plus any applicable fee, that is items posted to your account, we may return the item those checks and items will be handled in accordance with our overdraft procedures or pay it, as described belowan overdraft protection plan you have with us. The Credit Union’s 's determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s midnight 's deadline with only one review of the account required. We do not have The Credit Union has no duty to notify you if your account does not have sufficient of an insufficient funds available to pay an item. Whether we pay or return the item, your account The Credit Union may be subject to charge a fee for an insufficient funds item whether paid or returned as set forth in the Fee “Rate Addendum and Schedule Disclosureof Fees and Charges.” Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any deadline limits. Order of Payments. Checks, drafts, items and other transactions may charge not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a fee each time an item is submitted check, draft or resubmitted for payment, causing you to be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against the savings in your account. The Credit Union may pay such approved items to execute other transactions on your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect the total amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • How Transactions are Posted to Your Account. Basically, there are two types of transactions fees that affect your account: credits (deposits of money into your account) and debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions may be charged to your account. − Credits - Deposits are generally added Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Postdated and Stale dated checks or drafts. You agree not to your account when issue any check or draft that is payable on a future date (postdated). If you do issue a check or draft that is postdated and we receive them. Howeverpay it before that date, in some cases when you deposit a check, the full amount of the deposit may not be available agree that we shall have no liability to you at the time of depositfor such payment. Please refer You agree not to the Funds Availability Policy Disclosure provided at the time you opened your account for details regarding the timing and availability of funds from depositsdeposit checks, drafts, or other items before they are properly payable. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we We are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We receive data files of cashed checks from the Federal Reserve each day. The checks obligated to pay any check or draft drawn on your account are compiled from these data files and paid each daythat is presented more than six (6) months past its date. STOP PAYMENT ORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You may request a stop payment by telephone, by mail, fax or in person. The stop payment will be effective if the Credit Union processes receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check and its exact amount. Our cut--off time for stop payment orders is one hour after our opening on the next business day after the banking day in which we received your check. If you request us to stop payment on an item orally, we may request that you confirm your stop payment order in writing. If we do not receive your written confirmation of the stop payment order within 14 days, your stop payment order will no longer be effective. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of checks as follows: − Checks negotiated the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all of your rights against the payee or other holders of the check to the Credit Union, and to assist the Credit Union in person at one of our branch locations are cleared upon presentment legal action taken against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number orderperson.

Payment of Overdrafts. If, on any day, the available balance in your share or deposit account We are not sufficient obligated to pay the full amount of a check, draft, transaction, or other item, plus any applicable fee, that is posted to item presented for payment against your account, we may return the item or pay it, as described below. The Credit Union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s midnight deadline with only one review of the account required. We do not have to notify you if your account does not have sufficient sufcient funds available to pay an itemavailable. Whether If we pay or return the itema transaction that overdraws your account, your account may be subject we are not obligated to a fee as set forth continue paying such transactions in the Fee Schedule Disclosurefuture. We may pay all, some, or none of your overdrafts, without notice to you. You are liable to us to repay any overdrafts on your account whether you created them or not. If you do not pay us, and we take collection action against you, you agree to pay for any costs of collection. We may terminate, without notice, any account with excessive insufcient funds activity, and report the account to a consumer reporting agency. We assess a fee for each item that we either pay, which results in an overdraft, or do not pay, which would have resulted in an overdraft had we paid it. If we pay an item in accordance with our Courtesy Pay Program (described in more detail below), we will charge a fee each time Courtesy Pay Fee. If we return an item is submitted or resubmitted item, we will charge a NSF Fee. Refer to the Schedule of Fees and Charges for payment, causing a listing of fees. We recommend that you to be assessed more than enroll in one fee as a result of a returned item and resubmission(s) of the optional overdraft protection plans described below. These plans can help you avoid overdrafts and returned itemitems. • While fees apply when you use an optional overdraft protection plan, the fees under the plan are less expensive than NSF and Courtesy Pay Fees. Refer to the “Optional Overdraft Transfer from Savings - The Credit Union is authorized to charge payments Protection Plans” section below for approved items against more information. YOUR CHECKING ACCOUNT BALANCE. Your checking account has two kinds of balances: the savings in your account“actual” balance and the “available” balance. The Credit Union may pay such approved items to Both can be checked when you review your account in the amount of the resulting overdraftonline, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • How Transactions are Posted to Your Account. Basicallyat an ATM, there are two types of transactions that affect your account: credits (deposits of money into your account) and debits (payments out of your account)by phone, or at a branch. It is important to understand how each is applied to your account the two balances work so that you know how much money you have and how much is available to you in your account at any given time. This section explains generally actual and available balances and how they work. Your actual balance is the amount of money that is actually in your account at any given time, but not all funds included in the actual balance are considered available for transactions on your account. The actual balance is also referred to as: (1) your “AVAIL BAL” on Credit Union ATM screens; and when we post (2) your “balance” in Mobile Banking or eBranch Online Banking. Your actual balance refects transactions that have “posted” to your account, but not transactions that have been authorized and are pending or pending deposits that are subject to holds under our Funds Availability Policy. While the term “actual” may sound as though the number you see is an up-to-date display of what is in your account that you can spend, that is not always the case. Your actual balance will not refect any purchases, holds, fees, other charges, or deposits made on your account that have not yet posted. For example, if you have a $50 actual balance, but you just wrote a check for $40, then your actual balance is $50 but it does not refect the pending check transaction. So at that point, you actually have $50, but you have already spent $40. Your available balance is the amount of money in your account that is available to you to use without incurring a Courtesy Pay Fee. The available balance takes into account factors such as holds placed on deposits and pending transactions (such as pending debit card purchases) that the Credit Union has authorized but that have not yet posted to your account. − Credits - Deposits are generally added For example, assume you have an actual balance of $50 and an available balance of $50. If you were to use your debit card at a restaurant to buy lunch for $20, then that merchant could ask us to pre-authorize the payment in that amount or even a diferent amount. Under this example, if the merchant requested preauthorization in the amount of $20, we will put a “hold” on your account for $20 (this is called an “authorization hold”). Your actual balance would still be $50 because this transaction has not yet posted, but your available balance would be $30 because of the restaurant’s preauthorization request that resulted in an authorization hold on $20 in your account. When the restaurant submits its bill for payment (which could be a few days later and for a diferent amount from the amount of the authorization hold), we will post the transaction to your account when we receive them. However, in some cases when you deposit a check, and your actual balance will be reduced by the full amount of the deposit posted transaction. The available balance is shown as: (1) “available” in Mobile Banking or eBranch Online Banking; and (2) as “Available” on Credit Union ATM screens. Available balance is used to determine when your account is overdrawn. The following example illustrates how this works: Again, assume your actual and available balance are both $50, and you swipe your debit card at a restaurant for $20. If the restaurant requests preauthorization in the amount of $20, an authorization hold is placed on $20 in your account, so your available balance is only $30. Your actual balance is still $50. Before the restaurant charge is sent to us for payment, a check that you wrote for $40 clears. Because your balance is $30 (due to the authorization hold of $20), your account will be overdrawn by $10, even though your actual balance is $50. In this case, we may pay the $40 check, but you will be charged an Overdraft or Courtesy Pay Fee. That Fee will be deducted from your account, further reducing the balance. It is very important to understand that you may still overdraw your account even though the available balance appears to show there are sufcient funds to cover a transaction that you want to make. This is because your available balance may not refect all your outstanding checks and automatic bill payments that you have authorized, or other outstanding transactions that have not been paid from your account. In the example above, the outstanding check will not be refected in your available balance until it is presented to you at the time us and paid from your account. In addition, your available balance may not refect all of deposit. Please refer to the Funds Availability Policy Disclosure provided at the time you opened your account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit card transactions. Common For example, if a merchant obtains our prior authorization but does not submit a one-time debit transactions are generally described below. Keep in mind that there are many ways transactions are presented card transaction for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We 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. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number order.within three

Payment of Overdrafts. If, on any day, the available balance funds in your share or deposit draft (checking) account are not sufficient to pay the full amount of a check, draft, ACH transaction, on us draft presented in person, a transaction initiated by a debit card, such as a Point-of-Sale or ATM withdrawal, or other item, item posted to your account plus any applicable fee, that is posted to your account, fee we may pay or return the item overdraft. We may pay overdrafts on accounts covered by our Discretionary Overdraft Privilege Program. Your account may be subject to a charge for each overdraft regardless of whether we pay or pay itreturn the overdraft. An Overdraft fee will be assessed for each overdraft paid and NSF fee will be assessed for each overdraft returned, as described belowset forth in the Fee Schedule. The Credit Union’s 's determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s 's midnight deadline with only one (1) review of the account required. We do not have to notify you if your account does not have sufficient available funds available to pay an itemoverdraft. Whether For ATM and one-time debit card transactions, you must consent to the Credit Union's overdraft privilege program in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member's opt-in choice for overdraft protection and the Fee Schedule. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or return the item, your account may be subject to impose a fee as set forth that overdraws your account, you agree to pay the overdrawn amount in the Fee Schedule Disclosureaccordance with our overdraft privilege policy within 35 days. We may charge a fee each time an item is submitted or resubmitted for payment, causing not pay items under you to be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against the savings in your account. The Credit Union may pay such approved items to overdraft privilege if you do not maintain your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It is important to understand how each is applied to good standing by bringing your account so that to a positive balance within 35 days for a minimum of 24 hours, if you know how much money you have and how much is available default on a loan or other obligation to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to Polish & Slavic Federal Credit Union or if your account when we receive them. However, in some cases when you deposit a check, the full amount of the deposit may not be available is subject to you at the time of deposit. Please refer to the Funds Availability Policy Disclosure provided at the time you opened your account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We 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. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks any legal or drafts presented on the same day in our Share Draft File clear in check number orderadministrative order or levy.

Payment of Overdrafts. IfAn overdraft of your account can occur if, on any day, the available balance funds in your share or deposit account are not sufficient or you do not have enough money in your account to pay the full amount of a check, draft, transaction, or other itemitem (collectively referred to as “Item”), plus any applicable fee, fee that is posted to your account. Should there be an overdraft of your account, we may return the item Item or pay it, as described below, even if you have an overdraft protection plan or other overdraft service. We are not required to pay any Item that exceeds the available balance in your account. THE CREDIT UNION USES YOUR AVAILABLE BALANCE TO CALCULATE WHETHER YOU HAVE SUFFICIENT FUNDS TO PAY ITEMS, INCLUDING CHECKS AND DRAFTS, AS WELL AS ACH, DEBIT CARD AND OTHER ELECTRONIC TRANSACTIONS. Your checking account has two kinds of balances: the “current balance” and the “available balance.” Your current balance reflects the full amount of all settled deposits to your account as well as settled 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. An available balance is based on transactions that institutions have authorized (and therefore are obligated to pay) but not yet settled, along with settled transactions. The available balance for your account is determined according to our Funds Availability Policy Disclosure. Pending transactions and holds placed on your account may reduce your available balance and may cause your account to become overdrawn regardless of your current balance. 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 and current balance online at xxx.xxxxxx.xxx, at an ATM, by visiting a credit union branch or by calling us at (000) 000-0000 or toll free at (000) 000-0000. The following illustrates the difference between current balance and available balance: - If a member has a $100.00 current balance but uses his/her debit card to buy dinner for $40.00, then there is a pre-authorization hold on his/her account (at the request of the restaurant), and his/her available balance (the money he/she has left to use) is $60.00. In other words, the $40.00, which the member just spent, is no longer available for use. His/her current balance is still $100.00 until the restaurant charge is submitted and posted to his/her account. - On the deposit side, if the Credit Union chooses to put a hold on a check, for example, an out-of-state check in the amount of $5,000.00, the hold will be placed on the entire amount of the check. In this example, his/her available balance is $0.00 and his/her current balance is $5,000.00. The Credit Union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s midnight deadline with only one review of the account required. We do not have to notify you if your account does not have sufficient available funds available in order to pay an itemItem. Whether we pay or return the item, your Your account may be subject to a fee as set forth (currently $25.00 pursuant to the Schedule of Fees and Charges; this fee may change in the Fee Schedule Disclosurefuture) for each Item regardless of whether we pay or return the Item. We may will charge a fee each time an item Item is submitted or resubmitted to the Credit Union for paymentpayment (an Item can be resubmitted to the Credit Union for payment a maximum of two times); therefore, causing you to may be assessed more than one fee as a result of a returned item Item and resubmission(s) of the returned itemItem. • Overdraft Transfer from Savings - The If we provide overdraft services, this service allows us to authorize payment for the following types of transactions regardless of whether your share or deposit account has sufficient funds: (1) share drafts/checks and other transactions made using your checking account, except as otherwise described below; (2) automatic xxxx payments; and (3) ACH transactions. For one-time debit card transactions, you must affirmatively consent to overdraft service coverage. Without your consent, the Credit Union is authorized to charge payments for approved items against the savings may not authorize and pay a one-time debit card transaction that will result in insufficient funds in your account. The If you have established a service linking your share or deposit account with other individual or joint accounts, you authorize us to transfer funds from another account of yours to cover an insufficient Item, including transfers from a share or deposit account, an overdraft line-of-credit account, or other account you so designate. Services and fees for these transactions are shown in the document the Credit Union may uses to capture your affirmative consent and the Schedule of Fees and Charges. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay such approved items Items that result in insufficiency of funds in your account, we do not agree to your account pay them in the amount of future and may discontinue coverage at any time without notice. If we pay these Items or impose a fee that results in insufficient funds in your account, you agree to pay the resulting overdraftinsufficient amount, plus including the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to your account when we receive them. Howeverassessed by us, in some cases when accordance with our standard overdraft services or any other service you deposit a checkmay have authorized with us, the full amount of the deposit may or if you do 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 account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep have such protections with us, in mind that there are many ways transactions are presented for accordance with any overdraft payment by merchantspolicy we have, and we are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We 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. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number orderapplicable.

Payment of Overdrafts. If, on any day, the available balance funds in your share or deposit account are not sufficient to pay the full amount of a check, draft, transactionitem, transaction or other item, items posted to your account plus any applicable fee, that is posted to your accountfee (“overdraft”), we may pay or return the item or pay it, as described belowoverdraft. The Credit Unioncredit union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Unioncredit union’s midnight deadline with only one review of the account required. We do not have to notify you if your account does not have sufficient available funds available to pay an itemoverdraft. Whether For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the credit union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or return impose a fee that overdraws your account, you agree to pay the itemoverdrawn amount in accordance with your overdraft protection plan or, if you do not have such a plan, in accordance with our overdraft policy. You authorize us to use the right of offset of any funds deposited to your account to cover overdrafts and related fees. Each deposit, including any type of direct deposit, such as payroll, Social Security, military, pension, SSI, etc., to your account after an overdraft may be treated as a voluntary payment of a debt incurred. If you do not repay the overdrawn amount, your account may will be subject to a charged off, assessed an additional fee as set forth disclosed in the Fee Schedule Truth-in-Savings Disclosure. We may charge a fee each time an item is submitted or resubmitted for payment, causing you to and this derogatory information will be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against the savings in your account. The Credit Union may pay such approved items to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to your account when we receive them. However, in some cases when you deposit a check, the full amount of the deposit may not be available to you at the time of deposit. Please refer reported to the Funds Availability Policy Disclosure provided at the time you opened your account for details regarding the timing and availability of funds from deposits. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we are not necessarily in control of when transactions are received. o Checks - When you write a check, it is processed through the Federal Reserve system. We 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. The Credit Union processes payment of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available funds in the account. − Checks or drafts presented on the same day in our Share Draft File clear in check number ordercredit reporting agencies.

Payment of Overdrafts. If, on any day, the available balance in your share or deposit account are not sufficient is insufficient to pay the full amount of a check, draft, transaction, transaction or other item, item posted to your account plus any applicable fee, that is posted to your accountfee (“overdraft”), we may pay or return the item or pay it, as described below. The Credit Union’s determination of an insufficient available account balance may be made at any time between presentation and the Credit Union’s midnight deadline with only one review of the account requiredoverdraft. We do not have to notify you if the available balance in your account does not have sufficient funds available is insufficient to pay an a check, transaction or item. Whether we pay or return the item, your Your account may be subject to a charge for each overdraft regardless of whether we pay or return the check, transaction, or item. For ATM and one-time debit card transactions, you must opt-in to Courtesy Pay Select privileges in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the Courtesy Pay Select Opt-In Form used to capture the member’s opt-in choice for overdraft protection and the Rate and Fee Schedule. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraft, we do not agree to pay overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft or impose a fee that overdraws your account, you agree to pay the overdrawn amount in accordance with your optional overdraft protection privileges. Accounts with an Overdraft Protection/Line of Credit are protected separately, as disclosed in the Overdraft Line of Credit Agreement and Disclosure. For accounts without an Overdraft Line of Credit, if the available balance is insufficient to pay the withdrawal, a transfer will be made from your available balance in your Primary Savings account for the amount necessary (when added to the amount available in your checking account and transferred under this Agreement) to pay the withdrawal and a transfer fee as set forth in the current Rate and Fee Schedule Disclosure. We may charge a fee each time an item is submitted or resubmitted for payment, causing you to be assessed more than one fee as a result of a returned item and resubmission(s) of the returned item. • Overdraft Transfer from Savings - The Credit Union is authorized to charge payments for approved items against the savings in your account. The Credit Union may pay such approved items to your account in the amount of the resulting overdraft, plus the fee for overdraft transfers from your savings as set forth in the Fee Schedule Disclosure. • 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 debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. − Credits - Deposits are generally added to your account when we receive themSchedule. However, no transfer from the savings account will be made if during the current month you have exceeded your transfer limitations or if the transfer would leave less than par value in some cases when your savings account. Refer to Section 13(b) and also the Electronic Fund Transfers Agreement and Disclosure for more information regarding transfer limitations. If the available balance in your checking account, under this Agreement, is insufficient to pay the entire withdrawal we will look to see if funds are available in your Overdraft Protection/Line of Credit (if you deposit have this service). If funds are not available in your Line of Credit, or you do not have one, a checktransfer will be made from your Primary Savings account. If the available balance in your Primary Savings account is insufficient and you are eligible for the Courtesy Pay service, the full amount of transaction may be covered under the deposit may not be available to you at the time of depositCourtesy Pay program. Please refer to the Funds Availability Policy Disclosure provided at the time Courtesy Pay (15b.) section below for more information regarding Courtesy Pay. We will look to see if funds are available in your Overdraft Protection/ Line of Credit (if you opened have this service). If funds are not available in your account for details regarding the timing and availability Line of Credit, we will transfer funds from depositsyour Share 1 account. − Debits - There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment by merchants, and we If funds are not necessarily available in control of when transactions are receivedyour Share 1 account, we may use Courtesy Pay to clear the item (if you have this service). o Checks - When If you write a check, it is processed through the Federal Reserve system. We receive data files of cashed checks from the Federal Reserve each day. The checks drawn or anyone authorized on your account requests to make a withdrawal from your Primary Savings account in excess of the available balance in that account, we will look to see if funds are compiled available in your Overdraft Protection/Line of Credit (if you have this service). If funds are not available in your Line of Credit, or you do not have one, a transfer will be made from these data files your checking account and paid each daya transfer fee as set forth on the Rate and Fee Schedule. The If the available balance in your checking account is insufficient, the item will be returned due to insufficient funds and an Insufficient Funds fee will be applied according to the Rate and Fee Schedule. We will look to see if funds are available in your Overdraft Protection/ Line of Credit Union processes payment (if you have this service). If funds are not available in your Line of checks as follows: − Checks negotiated in person at one of our branch locations are cleared upon presentment against available Credit, we will transfer funds in the from your checking account. − Checks or drafts presented on If funds are not available in your checking account, the same day in our Share Draft File clear in check number orderitem will be returned due to insufficient funds.