Common use of Payment of Overdrafts Clause in Contracts

Payment of Overdrafts. If on any day, the funds in your share or deposit account are not sufficient to pay the full amount of a sharedraft (check), electronic debit (ACH), point of sale (POS), ATM withdrawal, or other items posted to your account (including transactions done by other electronic means, and any applicable fee), we may pay or return the overdraft. 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 to pay an overdraft. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraft item. 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 policy. Sharedrafts (checks) electronic debits, (ACH), points of sale (POS), ATM withdrawals, in-person withdrawals, other items posted to your account (including transactions by other electronic means) may 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 item 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 drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdated. If you do issue a check or draft that is payable on a future date and we pay it before that date, you agree that we shall have no liability to you for payment. You agree not to deposit checks, drafts, or other items before they are properly payable. 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.

Payment of Overdrafts. If on any day, the funds in your share or deposit account are not sufficient to pay the full amount of a sharedraft (check), electronic debit (ACH), point of sale (POS), ATM withdrawal, or other items posted to your account (including transactions done by other electronic means, and any applicable fee), we may pay or return the overdraft. 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 to pay an overdraft. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraft item. Except as otherwise agreed in writing, if we exercise our right to use our discretion to discretionto 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 policy. Sharedrafts (checks) electronic debits, (ACH), points of sale (POS), ATM withdrawals, in-person withdrawals, other items posted to your account (including transactions by other electronic means) may 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 item 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 drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdated. If you do issue a check or draft that is payable on a future date and we pay it before that date, you agree that we shall have no liability to you for payment. You agree not to deposit checks, drafts, or other items before they are properly payable. 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.

Payment of Overdrafts. If on any day, the funds in your share or deposit account are not sufficient to pay the full amount of a sharedraft (check), electronic debit (ACH), point of sale (POS), ATM withdrawal, or other items posted to your account (including transactions done by other electronic means, and any applicable fee), we may pay or return the overdraft. 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 to pay an overdraft. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraft item. 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 policy. Sharedrafts (checks) electronic debits, (ACH), points of sale (POS), ATM withdrawals, in-person withdrawals, other items posted to your account (including transactions by other electronic means) may 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 item 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 drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdated. If you do issue a check or draft that is payable on a future date and we pay it before that date, you agree that we shall have no liability to you for payment. You agree not to deposit checks, drafts, or other items before they are properly payable. We are not obligated to pay any check 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 draft drawn 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 presented updated periodically. We limit the number of Overdraft Privilege Fees we charge in a 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 than six (6) months past its date.information. YOUR CHECKING ACCOUNT BALANCE. Your checking account has two kinds of balances: the “actual” balance and the “available”

Payment of Overdrafts. If on any day, the funds in your share or deposit account are not sufficient to pay the full amount of a sharedraft (check), electronic debit (ACH), point of sale (POS), ATM withdrawal, or other items posted to your account (including transactions done by other electronic means, and any applicable fee), we may pay or return the overdraft. 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 to pay an overdraft. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraft item. 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 policy. Sharedrafts (checks) electronic debits, (ACH), points of sale (POS), ATM withdrawals, in-person withdrawals, other items posted to your account (including transactions by other electronic means) may 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 item 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 drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdated. If you do issue a check or draft that is payable on a future date and we pay it before that date, you agree that we shall have no liability to you for payment. You agree not to deposit checks, drafts, or other items before they are properly payable. We 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 pre-authorize the payment in that amount (or draft 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 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 SUFFICIENT FUNDS TO COVER A TRANSACTION THAT YOU WANT TO MAKE. This is because your available balance may not reflect all your outstanding checks, automatic bill payments that you have authorized, or other outstanding transactions that have not yet been paid from your account. In the example above, the outstanding check will not be reflected in your available balance until it is presented to us and paid from your account. In addition, 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. Refer to our Funds Availability Policy for information regarding the availability for withdrawal of your deposits. HOW TRANSACTIONS ARE POSTED TO YOUR ACCOUNT. There are basically two types of transactions 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. 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 posted to your account 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 at the same time on a particular business day, we will generally post those non-check batched transactions in the order received. The order in which items are posted to your account will depend on a number of factors. For example, in 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 use your debit card to pay for goods or services, the 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 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 presented more than six unlikely to be processed), the funds subject to the hold will not be available to you for other purposes. At some point after you sign for the transaction, it is processed by the merchant 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 (6e.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 cannot control how much a merchant asks us to authorize, or when a merchant submits a transaction for payment. We are permitted to place an authorization hold on your account for up to three (3) months past its date.business days (or for up to thirty

Payment of Overdrafts. If on any day, the funds in your share or deposit account are not sufficient to pay the full amount of a sharedraft (check), electronic debit (ACH), point of sale (POS), ATM withdrawal, or other items posted to your account (including transactions done by other electronic means, and any applicable fee), we may pay or return the overdraft. 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 to pay an overdraft. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraft item. 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 policy. Sharedrafts (checks) electronic debits, (ACH), points of sale (POS), ATM withdrawals, in-person withdrawals, other items posted to your account (including transactions by other electronic means) may 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 item 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 drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdated. If you do issue a check or draft that is payable on a future date and we pay it before that date, you agree that we shall have no liability to you for payment. You agree not to deposit checks, drafts, or other items before they are properly payable. We are not 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 future. You may pay all, some, or none of my overdrafts, without notice to me. I am liable to you to repay any overdrafts on my account whether I created them or not. If I do not pay you, and you take collection action against me, I agree to pay for your costs of collection. You may close, without notice, any account with excessive insufficient funds activity, and report the account to a consumer reporting agency. You assess a fee for each item that you either pay, which results in an overdraft, or do not pay, which would have resulted in an overdraft had you paid it. If you pay an item in accordance with your Overdraft Service (described in more detail below), you will charge an Overdraft Service Fee as set forth in the Schedule of Fees. If you return an item, you will charge a Non-sufficient Funds (NSF) 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 transaction 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 of 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. You recommend that I apply for in 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 less expensive than NSF and Overdraft Service Fees. I will refer to the “Optional Overdraft Transfer Protection Plans” section below for more information. MY 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, 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 or draft drawn on your 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 more than six to you and paid from myaccount. 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 (63) months past its datebusiness 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 in my account: credits or deposits of money into my account, and debits or payments out of my account. It is important to understand how each is applied to my account so that I know how much money I have and how much is available to me at any given time. This section explains generally how and when you post transactions to my account.

Payment of Overdrafts. If on If, at any daytime, the funds in your share or deposit account are not sufficient to pay the full amount of a sharedraft (check), electronic debit (ACH)draft item, point of sale (POS), ATM withdrawal, transaction or other items item posted to your account (including transactions done by other electronic means, and plus any applicable fee)fee to the Overdraft, we may pay or return the overdraftOverdraft and charge the Overdraft Fee at our discretion. 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 to pay an overdrafta draft or any other type of transaction. Your account may be subject to a fee charge for each overdraft Overdraft regardless of whether we pay or return the overdraft itemOverdraft. Except as otherwise agreed in writing, if we exercise our right rights to use our discretion to pay an overdraftOverdraft, we do not agree to pay overdrafts Overdrafts in the future and may discontinue covering overdrafts Overdrafts at any time without notice. If we pay an overdraft 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 policyOverdraft Policy. Sharedrafts (checks) electronic debitsOrder of Payment Checks, (ACH)drafts, points of sale (POS), ATM withdrawals, in-person withdrawals, items and other items posted to your account (including transactions by other electronic means) 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 item 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 and drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdated. If you do issue a check or draft that is payable on a future date and we pay it before that date, you agree that we shall have no liability to you for payment. You agree not to deposit checks, drafts, or other items before they are properly payable. We are not obligated to pay any check or draft drawn on your account that is presented more than six (6) months past its datewithdrawals.

Payment of Overdrafts. If If, on any day, the available funds in your share or deposit account are not sufficient to pay the full amount of a sharedraft (check), electronic debit (ACH)draft, point of sale (POS), ATM withdrawaltransaction, or other items item posted to your account (including transactions done by other electronic means, and plus any applicable feefee ("overdraft"), we may pay or return the overdraft. 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 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 to pay an overdraft. 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 card transactions, you must consent to the Credit Union's overdraft itemprotection 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 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 planplan with us, in accordance with our overdraft payment policy. Sharedrafts (checks) electronic debits, (ACH), points of sale (POS), ATM withdrawals, in-person withdrawals, other items posted to your account (including transactions by other electronic means) may 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 item 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 drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdated. If you do issue a check or draft that is payable on a future date and we pay it before that date, you agree that we shall have no liability to you for payment. You agree not to deposit checks, drafts, or other items before they are properly payable. 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.

Payment of Overdrafts. If on any day, the funds in your share or deposit account We are not sufficient 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 full amount of a sharedraft (check)future. We may pay all, electronic debit (ACH), point of sale (POS), ATM withdrawalsome, or other items posted none of your overdrafts, without notice to you. You are liable to us to repay any overdrafts on your account (including transactions done by other electronic meanswhether 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 applicable feeaccount with excessive insufficient funds activity, and report the account to a consumer reporting agency. We may 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 Service (described in more detail below), we may pay or will charge a Courtesy Pay Fee of $29. If we return an item, we will charge a Non-sufficient Funds (NSF) Fee of $29 each time the overdraftitem is presented. The credit union’s determination Refer to the Fees brochure for a listing 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 requiredfees, which is updated periodically. We do not have to notify you if If your account does not have sufficient available funds when a transaction or item is presented to us for payment and, as a result, returned unpaid, the merchant or payee of your transaction or item may choose to resubmit the same transaction, and may do so multiple times[; this may also occur when you initiate transfers and payments through your Credit Union Online Banking or Xxxx Xxxxx services and your account lacks sufficient available funds at the time the transaction is scheduled to occur, as we may decline the transaction, charge a NSF Fee, and then resubmit the same transaction at a later time in an attempt to process your requested transaction]. In the event a transaction or item is resubmitted for payment at a time when your account lacks sufficient available funds to pay it and we decline it, we will charge a related NSF Fee for each such resubmitted item each time that same transaction is returned unpaid or a Courtesy Pay Fee if a resubmitted item is paid when your account lacks sufficient available funds to pay it. We limit the number of NSF and Courtesy Pay Fees we charge in a business day. We will not charge a fee if your ending account balance is overdrawn by $5 or less. Additionally, even if your ending account balance is overdrawn we 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 five (5). We will charge an overdraftExtended Overdraft Fee for any overdraft balances that you have not repaid within fifteen (15) consecutive days. 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 Courtesy Pay 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 this balance are considered accessible for transactions on your account. The actual balance is also referred to as: (a) your “Account Balance” on Credit Union ATM screens; and (b) your “Balance” or “Account Balance” in online banking, and (c) your “Current” balance in mobile banking. 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 pre-authorize the payment in that amount (or even a different amount). Under this example, if the merchant requested pre-authorization 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 pre-authorization 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 release the authorization hold, 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 at the time a transaction posts 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 restaurant for $20. If the restaurant requests pre- authorization 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 restaurant 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 a Courtesy Pay Fee of $29. That fee will be deducted from your account, further increasing the overdrawn amount. In addition, when the restaurant charge is finally submitted to us for payment, we will release the authorization hold and pay the transaction amount (which may be $20 or even a different amount, for example, if you added a tip) to the restaurant. Because the amount of the restaurant charge exceeded your available balance at the time the restaurant charge “settled” (i.e., posted to your account), we will charge you a Courtesy Pay Fee, even though the restaurant transaction was authorized and approved with a sufficient available balance. 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 THAT THERE ARE SUFFICIENT FUNDS TO COVER A TRANSACTION THAT YOU WANT TO MAKE. This is because your available balance may not reflect all your outstanding checks, automatic bill payments that you have authorized, or other outstanding transactions that have not yet been paid from your account. In the example above, the outstanding check will not be subject reflected in your available balance until it is presented to a fee for each overdraft regardless us and paid from your account. In addition, your available balance may not reflect all of whether we pay or return the overdraft itemyour debit card transactions. Except as otherwise agreed in writingFor example, if we exercise a merchant obtains our right 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 use our discretion thirty (30) business days for certain types of debit card transactions, including but not limited to pay an overdraftcar rental transactions, cash transactions and international transactions), we do must release the authorization hold on the transaction. The available balance will not agree 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 pay overdrafts 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. Refer to our Funds Availability Policy for information regarding the availability for withdrawal of your deposits. HOW TRANSACTIONS ARE POSTED TO YOUR ACCOUNT. There are basically two types of transactions in the future and may discontinue covering overdrafts at any time without notice. If we pay an overdraft your account: credits or impose a fee that overdraws 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 agree know how much money you have and how much is available to pay you at any given time. This section explains generally how and when we post transactions to your account. We can receive credit and debit transactions in different forms at various times each business day. We reserve the overdrawn amount right to determine the timing and order in accordance with your overdraft protection plan or, if you do not have which such a plan, in accordance with our overdraft policy. Sharedrafts (checks) electronic debits, (ACH), points of sale (POS), ATM withdrawals, in-person withdrawals, other items transactions are posted to your account (including transactions to the extent permitted by other electronic means) may be processed in law. We determine the order that you make them or in the order that which we receive themprocess and post credits and debits to your account based on a number of factors. We maymay pay or authorize some transactions, at our discretionand decline or return others, pay a check, draft or item and execute other transactions on your account in any order we choosedeem 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 transactions. Items within a batch presented at the same time on any given day are cleared in dollar amount order, lowest to highest amount, beginning with lower dollar amounts clearing first, followed by higher dollar amounts. We generally post batched transactions as they are received throughout each business day (subject to certain exceptions). For ACH batch transactions we receive at the same time on a particular business day, we will generally post credits first and the debit items in low-to-high dollar amounts. The order in which we process checks, drafts and item and execute other transactions on items are posted to 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 drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdated. If you do issue a check or draft that is payable will depend on a future date and number of factors. For example, in connection with our item posting process, we pay it before that datereserve the right to: (i) establish different categories of items, you agree that we shall have no liability to you (ii) establish a posting order for payment. You agree not to deposit checkseach category of item(s), drafts(iii) establish different posting orders for items within each category, or other items before they are properly payable. 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.and

Payment of Overdrafts. If on any day, the funds in your share or deposit account We are not sufficient obligated to pay the full amount of a sharedraft (check), electronic debit (ACH), point of sale (POS), ATM withdrawal, or other items posted to any item presented for payment against your account (including transactions done by other electronic means, and any applicable fee), we may pay or return the overdraft. 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. 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 an overdraftfor any costs of collection. Your We may terminate, without notice, any account may be subject with excessive insufficient funds activity, and report the account to a consumer reporting agency. We assess a fee for each overdraft regardless of whether item that we pay or return the overdraft item. Except as otherwise agreed either pay, which results in writing, if we exercise our right to use our discretion to pay an overdraft, we or do not agree to pay overdrafts pay, which would have resulted in the future and may discontinue covering overdrafts at any time without noticean overdraft had we paid it. 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, item in accordance with our overdraft policy. Sharedrafts Courtesy Pay Program (checks) electronic debits, (ACHdescribed in more detail below), points we will charge a Courtesy Pay Fee. If we return an item, we will charge a NSF Fee. Refer to the Schedule of sale (POS)Fees and Charges for a listing of fees. 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, ATM withdrawals, in-person withdrawals, other items posted the fees under the plan are less expensive than NSF and Courtesy Pay 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 (including transactions online, at an ATM, by other electronic means) may be processed 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 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 actual balance are considered available for transactions on your account in any order we chooseaccount. The order actual balance is also referred to as: (1) your “AVAIL BAL” on Credit Union ATM screens; and (2) your “balance” in which we process checksMobile Banking or eBranch Online Banking. Your actual balance reflects transactions that have “posted” to your account, drafts but not transactions that have been authorized and item and execute 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 reflect any purchases, holds, fees, other transactions charges, or deposits made on your account may affect 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 total pending check transaction. So at that point, you actually have $50, but you have already spent $40. Your available balance is the amount of overdraft fees money in your account that may be charged 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. Please contact us if For example, assume you have questions about how we pay checks an actual balance of $50 and drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdatedan available balance of $50. If you do issue 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 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 xxxx for payment (which could be a few days later and for a different amount from 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. 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 draft 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 sufficient funds to cover a transaction that you want to make. This is payable on a future date because your available balance may not reflect all your outstanding checks and we pay it before automatic xxxx payments that date, you agree that we shall have no liability to you for payment. You agree not to deposit checks, draftsauthorized, or other items before they outstanding transactions that have not been paid from your account. In the example above, the outstanding check will not be reflected in your available balance until it is presented to us and paid from your account. In addition, 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), we must release the authorization hold on the transaction. The available balance will not reflect this transaction once the hold has been released until 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. Refer to our Funds Availability Policy for information regarding the availability for withdrawal of your deposits. HOW TRANSACTIONS ARE POSTED TO YOUR ACCOUNT. There are properly payablebasically two types of transactions in your account: credits or deposits of money into your account, and debits or payments out of your account. We are not obligated It is important to pay any check or draft drawn on understand how each is applied to your account so that you know how much money you have and how much is presented more than six (6) months past its dateavailable to you at any given time. This section explains generally how and when we post transactions to your account.

Payment of Overdrafts. If on any day, the funds in your share or deposit account are not sufficient to pay the full amount of a sharedraft (check), electronic debit (ACH), point of sale (POS), ATM withdrawal, or other items posted to your account (including transactions done by other electronic means, and any applicable fee), we may pay or return the overdraft. 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 to pay an overdraft. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraft item. 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 policy. Sharedrafts (checks) electronic debits, (ACH), points of sale (POS), ATM withdrawals, in-person withdrawals, other items posted to your account (including transactions by other electronic means) may 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 item 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 drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdated. If you do issue a check or draft that is payable on a future date and we pay it before that date, you agree that we shall have no liability to you for payment. You agree not to deposit checks, drafts, or other items before they are properly payable. We are not obligated to pay any check item presented for payment if your account does not contain sufficient collected 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 draft drawn 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. If we pay an item in accordance with our Safety Net Service (described below), we will charge a Safety Net Fee of $25. If we return an item, we will charge a Non-sufficient Funds (NSF) Fee of $30. Refer to the Schedule of Fees and Charges for a listing of fees, which is updated periodically. We will only charge a Safety Net Fee for ATM transactions and non- repeating (“one-time”) debit card transactions if you have requested us to pay these transactions. We limit the number of NSF and Safety Net Fees we charge in a business day. We will not charge a Safety Net Fee if your ending account balance is overdrawn by $5 or less. Additionally, even if your ending account balance is overdrawn we will not charge an NSF or Safety Net 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 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, and there are no fees for usage of these plans. Refer to the “Optional Overdraft Protection Services” 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, through Mobile Banking, 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. It reflects transactions that have posted to your account, but not transactions that have been authorized and are pending. 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. Any purchases, holds, fees, other charges, or deposits made on your account that have not yet posted will not appear in your actual balance. 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 you have made and 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 pre-authorize the payment in that amount (or even a different amount). In that case, we will place a “hold” on your account for $20. Your actual balance would still be $50 because this transaction has not yet posted, but your available balance would be $30 because you have committed to pay the restaurant $20. When the restaurant submits its bill for payment (which could be a few days later), we will post the transaction to your account and your actual balance will be reduced by $20. 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 restaurant for $20. A hold is placed on your account for $20, so your available balance is only $30. Your actual balance is still $50. Before the restaurant charge is sent to us for processing, a check that you wrote for $40 clears. Because you have only $30 available (you have committed to pay the restaurant $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 a Safety Net Fee of $25. That fee will be deducted from your account, further increasing 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 SUFFICIENT FUNDS TO COVER A TRANSACTION THAT YOU WANT TO MAKE. This is because your available balance may not reflect all your outstanding checks, 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 reflected in your available balance until it is presented more than six to us and paid from your account. In addition, 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 (63) months past its datebusiness 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, cash 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. Refer to the section of this Agreement entitled “Funds Availability Policy” for information regarding the availability for withdrawal of your deposits. HOW TRANSACTIONS ARE POSTED TO YOUR ACCOUNT. There are basically two types of transactions 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.

Payment of Overdrafts. If on any day, the funds in your share or deposit account are not sufficient to pay the full amount of a sharedraft (check), electronic debit (ACH), point of sale (POS), ATM withdrawal, or other items posted to your account (including transactions done by other electronic means, and any applicable fee), we may pay or return the overdraft. 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 to pay an overdraft. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraft item. 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 policy. Sharedrafts (checks) electronic debits, (ACH), points of sale (POS), ATM withdrawals, in-person withdrawals, other items posted to your account (including transactions by other electronic means) may 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 item 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 drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdated. If you do issue a check or draft that is payable on a future date and we pay it before that date, you agree that we shall have no liability to you for payment. You agree not to deposit checks, drafts, or other items before they are properly payable. We 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. If we pay an item in accordance with our Courtesy Pay Service (described in more detail below), we will charge a Courtesy Pay Fee of $29. If we return an item, we will charge a Non-sufficient Funds (NSF) Fee of $29. Refer to the Fees brochure for a listing of fees, which is updated periodically. We limit the number of NSF and Courtesy Pay Fees we charge in a business day. We will not charge a fee if your ending account balance is overdrawn by $5 or less. Additionally, even if your ending account balance is overdrawn we 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 five (5). We will charge an Extended Overdraft Fee for any overdraft balances that you have not repaid within fifteen (15) consecutive days. 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 Courtesy Pay 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 this balance are considered accessible for transactions on your account. The actual balance is also referred to as: (a) your “Account Balance” on Credit Union ATM screens; and (b) your “Balance” or “Account Balance” in online banking, and (c) your “Current” balance in mobile banking. 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 pre-authorize the payment in that amount (or draft 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 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 would remain $50. Before the restaurant 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 a Courtesy Pay Fee of $29. That fee will be deducted from your account, further increasing 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 THAT THERE ARE SUFFICIENT FUNDS TO COVER A TRANSACTION THAT YOU WANT TO MAKE. This is because your available balance may not reflect all your outstanding checks, automatic bill payments that you have authorized, or other outstanding transactions that have not yet been paid from your account. In the example above, the outstanding check will not be reflected in your available balance until it is presented to us and paid from your account. In addition, 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, cash 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. Refer to our Funds Availability Policy for information regarding the availability for withdrawal of your deposits. HOW TRANSACTIONS ARE POSTED TO YOUR ACCOUNT. There are basically two types of transactions 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. 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 posted to your account 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 that is presented more than six by other financial institutions, “on us” checks, and ACH transactions. Items within a batch presented at the same time on any given day are cleared in dollar amount order, lowest to highest amount, beginning with lower dollar amounts clearing first, followed by higher dollar amounts. We generally post batched transactions as they are received throughout each business day (6subject to certain exceptions). For ACH batch transactions we receive at the same time on a particular business day, we will generally post credits first and the debit items in low-to-high dollar amounts. The order in which items are posted to your account will depend on a number of factors. For example, in connection with our item posting process, we reserve the right to: (i) months past its date.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

Payment of Overdrafts. If If, on any day, the funds in your share or deposit account are not sufficient to pay the full amount of a sharedraft (check), electronic debit (ACH)draft, point of sale (POS)item, ATM withdrawal, transaction or other items posted to your account (including transactions done by other electronic means, and plus any applicable feefee (“overdraft”), we may pay or return the overdraft. 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 to pay an overdraft. Your account For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be cov- ered under the plan. Without your consent, the Credit Union may be subject 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 a fee capture the member’s opt-in choice for each overdraft regardless protection and the Schedule of whether we pay or return the overdraft itemFees 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 dis- continue 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. Sharedrafts (checks) electronic debits, (ACH), points You authorize us to use the right of sale (POS), ATM withdrawals, in-person withdrawals, other items posted offset of any funds deposited to your account (to cover overdrafts and related fees. Each deposit, including transactions by other electronic means) any type of direct deposit, such as payroll, Social Secu- rity, military, pension, SSI, etc., to your account after an overdraft may be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay treated as 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 item and execute other transactions on your account may affect the total amount voluntary payment of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks and drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdateda debt incurred. If you do issue a check or draft that is payable on a future date and we pay it before that datenot repay the overdrawn amount, you agree that we shall have no liability to you for payment. You agree not to deposit checks, drafts, or other items before they are properly payable. We are not obligated to pay any check or draft drawn on your account that is presented more than six (6) months past its datewill be charged off, assessed an additional fee as disclosed in the Truth-in-Savings Disclosure, and this derogatory information will be reported to the credit reporting agencies.

Payment of Overdrafts. If If, on any day, the available funds in your share savings or deposit account Account are not sufficient to pay the full amount of a sharedraft (paper or electronic check), draft, ACH transaction, request for electronic debit (ACH), point of sale (POS), ATM withdrawalpayment, or any other items transaction posted to your account (including transactions done by other electronic means, and Account plus any applicable fee), we may pay or return the overdraft. The credit unionOverdraft transactions can be presented for payment multiple times by the merchant requesting payment, which may be beyond AllSouth’s control. Each presentment, including repeat presentments, will be charged a separate overdraft fee if the available funds are not sufficient to pay at the time of presentment. When several debits arrive on the same business day for payment from your Account and you do not have enough available funds to cover all of the debits, you understand that some posting orders may result in more overdrafts and more fees and returned items than other posting orders. You understand and agree that we may choose the posting order in our sole discretion in accordance with this Agreement, and may also change them from time to time regardless of whether additional fees may occur. You also understand and agree that if an item is presented for payment more than one time, a new fee will apply each time the item is presented. AllSouth’s determination of an insufficient available account Account balance may be made at any time between presentation presentment and the credit union’s midnight our deadline with only one review of the account Account required. You should note that sometimes we will authorize a transaction at a time when you have enough available funds to cover it, but because other transactions post before it and reduce your balance, the transaction creates an overdraft when we post it to your Account. Your available balance can change several times each day and may change in a matter of minutes based on the transactions you make with others and how and when they are presented to AllSouth for payment. We do not have to notify you if your account Account does not have sufficient available funds to pay an overdraft. overdraft.‌ Your account Account may be subject to a fee charge for each overdraft regardless of whether we pay or return the overdraft itemoverdraft. 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 We may discontinue covering overdrafts at any charge a fee each time without notice. If we pay an overdraft is submitted or impose a fee that overdraws your accountresubmitted for payment; therefore, you agree to pay the overdrawn amount in accordance with your overdraft protection plan ormay be assessed more than one fee as a result of a returned check, if you do not have such a plandraft, in accordance with our overdraft policy. Sharedrafts (checks) ACH transaction, request for electronic debitspayment, (ACH), points of sale (POS), ATM withdrawals, in-person withdrawals, or any other items posted transaction presented to your account (including transactions by other electronic meansAccount and resubmission(s) may be processed in of the order that you make them or in the order that we receive them. We may, at our discretion, pay a returned check, draft draft, ACH transaction, request for electronic payment, or item and execute any other transactions on your account in any order we choose. The order in which we process checks, drafts and item and execute other transactions on your account may affect the total amount of overdraft fees that may be charged transaction presented to your account. Please contact us if you have questions about how we pay checks and drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdatedAccount. If you do issue are enrolled in one of our Optional Overdraft Services to transfer funds from a check savings Account or draft that is payable on a future date line of credit and have enough available funds to cover the payment, we will transfer the available funds to cover the item. Otherwise, without notice to you, we will either authorize or pay it before that date, you the item and overdraw your Account or we will dishonor the item. Both Account owner and joint owner agree that we shall they are jointly and separately liable for negative balances on Accounts in which the Account owner or joint owner have no liability an ownership interest. Repayment. The overdraft will be immediately charged against your Account when the available funds in your Account are not sufficient to you cover the request for payment. You agree not A fee will be assessed to deposit checksyour Account on the same day as the overdraft. Your Account balance will be negative if we pay the overdraft. Account owner(s) are responsible for the amount of any overdraft and applicable fees immediately. To continue your use of the overdraft services, draftsyou must bring your Account positive, or other items before they are properly payable. We are not obligated to pay any check or draft drawn on your account that is presented more than six for a minimum of one business day, within thirty (630) months past its datedays.

Payment of Overdrafts. If on any day, the funds in your share or deposit account are not sufficient to pay the full amount of a sharedraft (check), electronic debit (ACH), point of sale (POS), ATM withdrawal, or other items posted to your account (including transactions done by other electronic means, and any applicable fee), we may pay or return the overdraft. 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 to pay an overdraft. Your account may be subject to a fee for each overdraft regardless of whether we pay or return the overdraft item. 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 policy. Sharedrafts (checks) electronic debits, (ACH), points of sale (POS), ATM withdrawals, in-person withdrawals, other items posted to your account (including transactions by other electronic means) may 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 item 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 drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdated. If you do issue a check or draft that is payable on a future date and we pay it before that date, you agree that we shall have no liability to you for payment. You agree not to deposit checks, drafts, or other items before they are properly payable. We are not 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 future. You may pay all, some, or none of my overdrafts, without notice to me. I am liable to you to repay any overdrafts on my account whether I created them or not. If I do not pay you, and you take collection action against me, I agree to pay for your costs of collection. You may close, without notice, any account with excessive insufficient funds activity, and report the account to a consumer reporting agency. You assess a fee for each item that you either pay, which results in an overdraft, or do not pay, which would have resulted in an overdraft had you paid it. If you pay an item in accordance with your Overdraft Service (described in more detail below), you will charge an Overdraft Service Fee as set forth in the Schedule of Fees. If you return an item, you will charge a Non-sufficient Funds (NSF) Fee as set forth in the Schedule of Fees each time an item is presented for payment and returned unpaid due to insufficient available funds. 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 transaction 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 of 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. You recommend that I apply for in 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 less expensive than NSF and Overdraft Service Fees. I will refer to the “Optional Overdraft Transfer Protection Plans” section below for more information. MY 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, 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 Digital 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 or draft drawn on your 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 at the time a transaction posts to determine when my account is overdrawn. For debit card transactions involving merchant authorization holds, you look at the available balance at the time a transaction posts to determine whether the transaction results in an overdraft and potential related fees. In making this determination, you check my available balance at two separate times—first, at the time a merchant authorization request is received, and second, when the transaction “settles” and posts to my account. If my available balance is insufficient to pay the preauthorization amount requested by a merchant, you will decline the request. If my available balance is sufficient to cover a merchant’s authorization request, the authorization request will be approved and an authorization hold will be placed on my account in the amount of the merchant’s authorization request. If the transaction later “settles” and posts to my account at a time when the available balance is insufficient to pay the posted transaction without causing the account to have a negative balance (less than $0), you will charge an Overdraft Service Fee on that transaction even though the available balance was sufficient to cover it at the time the transaction was authorized. My account is considered overdrawn when the available balance in my account at the time a transaction posts is negative (less than $0). 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. In addition, when the restaurant charge is finally submitted to you for payment, you will release the authorization hold and pay the transaction amount (which may be $20 or even a different amount, for example, if I added a tip) to the restaurant. Because the amount of the restaurant charge exceeded my available balance at the time the restaurant charge “settled” (i.e., posted to my account), you will charge me an Overdraft Service Fee, even though the restaurant transaction was authorized and approved with a sufficient available balance. 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 more than six 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 (63) months past its datebusiness 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. A transaction can still result in an overdraft or NSF transaction even if it posts on the same day as a deposit to my account that is sufficient in amount to cover the transaction, if the deposit posts after the transaction has already posted and resulted in an overdraft fee or NSF fee or if the deposited funds are subject to a hold (please see your funds availability disclosure for information regarding holds on deposits). I acknowledge that it is my responsibility to deposit funds that are available to cover all of my transactions within sufficient time to pay such transactions. HOW TRANSACTIONS ARE POSTED TO MY ACCOUNT. There are basically two types of transactions in my account: credits or deposits of money into my account, and debits or payments out of my account. It is important to understand how each is applied to my account so that I know how much money I have and how much is available to me at any given time. This section explains generally how and when you post transactions to my account.

Payment of Overdrafts. If If, on any day, the available funds in your share savings or deposit account are not sufficient to pay the full amount of a sharedraft (paper or electronic check), draft, ACH transaction, transaction, request for electronic debit (ACH), point of sale (POS), ATM withdrawalpayment, or any other items transaction posted to your account (including transactions done by other electronic means, and “Overdraft”) plus any applicable fee), we may pay or return the overdraftOverdraft. The credit unionOverdraft transactions can be presented for payment multiple times by the merchant requesting payment, which may be beyond AllSouth’s control. Each presentment, including repeat presentments, will be charged a separate overdraft fee if the available funds are not sufficient to pay at the time of presentment. AllSouth’s determination of an insufficient available account balance may be made at any time between presentation presentment and the credit union’s midnight our deadline with only one review of the account required. Your available balance can change several times each day and may change in a matter of minutes based on the transactions you make with others and how and when they are presented to AllSouth for payment. We do not have to notify you if your account does not have sufficient available funds to pay an overdraftOverdraft. Your account may be subject to a fee charge for each overdraft Overdraft regardless of whether we pay or return the overdraft itemOverdraft. We may charge a fee each time an Overdraft is submitted or resubmitted for payment; therefore, you may be assessed more than one fee as a result of a returned check, draft, ACH transaction, request for electronic payment, or any other transaction presented to your account and resubmission(s) of the returned check, draft, ACH transaction, request for electronic payment, or any other transaction presented to your account. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraftOverdraft, we do not agree to pay overdrafts Overdrafts in the future and may discontinue covering overdrafts Overdrafts at any time without notice. If we pay an overdraft 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. Sharedrafts (checks) electronic debits, (ACH), points of sale (POS), ATM withdrawals, in-person withdrawals, other items posted to your account (including transactions by other electronic means) may 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 item 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 drafts and process transfers and withdrawals Postdated and Staledated Drafts. You agree not to issue any check or draft that is postdated. If you do issue a check or draft that is payable on a future date and we pay it before that date, you agree that we shall have no liability to you for payment. You agree not to deposit checks, drafts, or other items before they are properly payable. 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.

Payment of Overdrafts. If If, on any day, the available funds in your share or deposit account are not sufficient to pay the full amount of a sharedraft (check), draft, item, electronic debit (ACH), point of sale (POS), ATM withdrawal, transaction or other items item posted to your account (including transactions done by other electronic means, and plus any applicable feefee ("Overdraft"), we may pay or return the overdraftOverdraft. We will not honor overdrafts of any type from an ATM or teller workstation. 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 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 to pay an overdraftOverdraft. Your account may will then be subject to a charge for the item whether paid or returned as set forth in our fee schedule. This fee is imposed for each any overdraft regardless created by checks, ACH, debit cards, or by other electronic means. Additionally, more than one overdraft fee may be charged against the account per day, depending on the number of whether we pay or return checks presented on, and other withdrawals made from the overdraft itemaccount. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay an overdraftOverdraft, we do not agree to pay overdrafts Overdrafts in the future and may discontinue covering overdrafts Overdrafts at any time without notice. If we pay an a check or draft that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. 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. Sharedrafts (checks) electronic debits, (ACH), points We reserve the right to pursue collection of sale (POS), ATM withdrawals, in-person withdrawals, other previously dishonored items posted to your account (including transactions by other electronic means) may be processed in the order that you make them or in the order that at any time. If 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 item and execute other transactions on your account may affect the total amount of have approved an overdraft fees that may be charged to protection plan for your account. Please contact us if , we will honor drafts drawn on insufficient funds by transferring funds from a share account or another deposit account or a loan account, as you have questions about how we pay checks and drafts and process transfers and withdrawals Postdated and Staledated Draftsdirected. You agree not to issue any check or draft that is postdated. If you do issue a check or draft that is payable on a future date and we pay it before that date, you agree that we shall have no liability to you for payment. You agree not to deposit checks, drafts, or other items before they are properly payable. We are not obligated to pay any check or draft drawn on your account that is presented No more than six (6) months past its datetransfers may be permitted in any calendar month from share accounts. Once the transfer total for the month has reach six (6), any insufficient funds items will be handled in accordance with our regular overdraft procedures. The fee for these overdraft transfers and excessive transfers, if any, is set forth in our Fee Schedules.