Common use of Periodic Statement Clause in Contracts

Periodic Statement. If you have Personal Savings or Starter Savings accounts, you will get a quarterly statement. If there is an electronic fund transfer on your account, you will also get a statement for that particular month. For all other consumer savings and checking accounts, you will get a monthly statement. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which case you will get a monthly statement. Direct Deposits If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at the telephone number listed in the Contact Information to find out whether or not the deposit has been made. Consumer Liability Tell us AT ONCE if you believe your code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your code, you can lose no more than $50 if someone used your code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Periodic Statement. If you I will receive a monthly statement (unless there are no transactions in a particular month), for the account(s) which I have Personal Savings accessed using the ATM Card, the ATM-Debit Card, or Starter Savings accountsElectronic Access Services which will show the calendar date that I initiated the transaction, you the type of transaction and the type of account(s) accessed by the transaction, and the amount of transactions occurring in that statement period. I will get a quarterly statement. If there is an electronic fund transfer on your account, you will also get a statement for that particular month. For all other consumer savings and checking accounts, you will get a monthly statement. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which case you will get a monthly statement. Direct Deposits If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, quarterly. My Liability for Unauthorized Transactions and Advisability of Prompt Reporting. I must tell you can call us at the telephone number listed in the Contact Information to find out whether or not the deposit has been made. Consumer Liability Tell us AT ONCE if you I believe your code my ATM Card, ATM Debit Card, (collectively “Cards”) Electronic Access PIN, ATM PIN or ATM Debit Card PIN, (collectively “PINS”) has been lost or stolen, stolen or if you I believe that an electronic fund transfer has been made without your permission using information from your checkmy permission. Telephoning is the best way of keeping your my possible losses down. You A written notification to you should follow my telephone call. I could lose all the money in your my account (plus your my maximum overdraft line of credit). If However, if I believe my Card or PIN has been lost or stolen, and I tell you tell us within 2 two (2) business days after I learn of the loss or theft, I can lose no more than $50.00 if someone used my Card or PIN without my permission. If I do NOT tell you within two (2) business days after I learn of the loss or theft of your codemy ATM Card, Electronic Access PIN or ATM PIN and you can lose no more than $50 if someone used your code without your permission. If prove you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code my ATM Card, Electronic Access PIN or ATM PIN without your my permission if you I had told usyou, you I could lose as much as $500500.00. Also, if your my statement shows transfers that you I did not make, including those made by card, code or other means, I must tell us you at once. If I do NOT tell you do not tell us within 60 sixty (60) days after the statement was mailed to youme, you I may not get back any money you I lost after the 60 sixty (60) days if we you can prove that we you could have stopped someone from taking the money if you I had told us you in time. I should also call the number or write to the address listed on the cover of this brochure if I believe a transfer has been made using the information from my check without my permission. If a good reason (such as a long trip or a hospital stay) kept you me from telling usyou, we you will extend the time periodsperiod. Exceptions for ATM Debit Card Point-of-Sale Transactions. I will have no liability for unauthorized transfers on a lost or stolen ATM Debit Card. You may require me to provide a written statement regarding claims of unauthorized transactions. These exceptions do not apply to ATM Debit Card transactions at an ATM or transactions not processed through the VISA Network. These limitations may be exceeded to the limit allowed by federal or state law if the Credit Union determines that I was grossly negligent or fraudulent in handling my Account or Card. Notice Regarding non-Visa PINLess Debit Card Transactions You allow non-Visa debit transaction processing. This means I may use my Visa® Debit Card on a PIN-Debit Network* (a non-Visa network) without using a PIN to authenticate my transactions. The non-Visa debit networks for which such transactions are allowed is Star, Plus, and CO-OP. Examples of the types of actions that I may be required to make to initiate a Visa transaction on my Visa Debit Card include signing a receipt, providing a debit card number over the phone or via the Internet, or swiping the debit card through a point-of-sale terminal. Examples of the types of actions I may be required to make to initiate a transaction on a Pin-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having my identity verified using known information derived from an existing relationship with us instead of through the use of a PIN. Please be advised that the terms and conditions of my agreement with use relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa Debit Card transactions are not applicable to transactions processed on a PIN- Debit Network. If I have any questions about non-Visa debit transactions, I will give you a call at (800) 000- 0000. *Visa rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. I am fully liable for an electronic fund transfer from my account initiated by a person to whom I furnished my Card and/or other access to my account, even if such person exceeds the authority given, unless I have notified you that transfers by that other person are no longer authorized. Telephone Number and Address to be Notified in Event of an Unauthorized Transaction. If I believe my Card or PIN has been lost or stolen or that someone will or may use it to transfer money from my account without my permission, I must I must telephone you at: (000) 000-0000 or I must write you at: 0000 Xxxxx Xxxxx El Monte, CA 91731 Attn: EFT or after business hours for an ATM Debit Card call (000) 000-0000. Regulation “D” Restrictions on Electronic Funds Transactions. Preauthorized, automatic or telephone withdrawals or transfers from Savings Accounts are limited to no more than six (6) transfers in each calendar month. However, I may make an unlimited number of withdrawals from or transfers among my own Savings Accounts by mail, messenger or in person at the Credit Union or at an ATM. I may also make an unlimited number of withdrawals from my Savings Accounts through the Credit Union’s Electronic Access System or by telephone if I request that you send me a check. Transfers or withdrawals in excess of the above limitations will not be honored.

Periodic Statement. If My electronic payments and transfers will be indicated on account statements you provide or make accessible by mail, electronically, or by some other means. I will receive a monthly account statement (unless there are no transfers during that month) for the account(s) that I have Personal Savings or Starter Savings accountsaccessed, you which will get a quarterly statementshow the effective date that I initiated each transaction, the type of transaction, and the amount of transactions occurring during that statement period. If there is an electronic fund transfer on your accountIn any case, you I will also get receive a statement for that particular month. For all other consumer savings and checking accounts, you will get a monthly statement. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which case you will get a monthly statement. Direct Deposits If you have arranged to have direct deposits made to your account at least quarterly. My Liability for Unauthorized Transactions and Advisability of Reporting: I must tell you at once every sixty if I believe my ATM card, Visa Debit Card, personal identification number (60) days from the same person PIN), or companypassword or access codes including my Xceed On-Call or Xceed Online PIN have been lost, you can call us at the telephone number listed in the Contact Information to find out whether or not the deposit has been made. Consumer Liability Tell us AT ONCE if you believe your code has been lost compromised, or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the The best way of keeping your to contact you is by telephone to minimize possible losses downlosses. You I understand that I could lose all the money in your account (my account(s) plus your my maximum overdraft and line of credit)credit limit. If I tell you tell us within 2 two (2) business days after you I learn of the loss or theft of your codeloss, you I can lose no more than $50 if someone used your my card, PIN, or code without your my permission. If I do not tell you do NOT tell us within 2 two (2) business days after you I learn of the loss loss, compromise, or theft of your codemy card, PIN, or code and we you can prove we you could have stopped someone from using your code without your permission the unauthorized transactions if you I had told usyou, you I could lose as much as $500. Also, if your If my statement shows electronic funds transfers that you I did not make, including those made by card, code or other means, I must tell us you at once. If you I do not tell us you within 60 sixty (60) days after the statement was mailed to youme, you I may not get back any money you lost be liable for transactions posting after the 60 sixty (60) days if we you can prove that we you could have stopped someone from taking prevented the money transactions if you I had told us you in time. If a good reason (such as a long trip or a hospital stay) kept you me from telling usyou, we I will let you know, and you may extend the time periods. If there is unauthorized use of my Visa Debit Card and the transaction takes place on the Visa network, then my liability will be $0. This provision limiting my liability does not apply to ATM cash disbursements processed on non-Visa or non-Plus networks, or non-Visa PIN-less debit transactions. Additionally, my liability with respect to unauthorized transactions may be greater than the above $0 liability limit, to the extent allowed under applicable law, if you reasonably determine, based on substantial evidence, that I was grossly negligent or fraudulent in the handling of my account or card. In any case, to minimize my potential liability, I should notify you of any unauthorized use no later than sixty (60) days after my statement was made available to me. Telephone Number, Email, and Address to Be Notified in Event of Unauthorized Transactions: If I believe my ATM card, Visa Debit Card, PIN, or access code has been lost or stolen, or that someone will or may use it to transfer money from my account without my permission, I will contact you in one of the following ways: • Call your Contact Center at 800.XFCU.222 (800.932.8222) or, if I am outside the U.S., at 310.607.2000. • Write you at Xceed Financial Federal Credit Union, 000 X. Xxxx Street, El Segundo, CA 90245. • Send a secure message through Xceed Online. • Visit my local Financial Center.

Periodic Statement. If you have Personal Savings or Starter Savings accounts, you will get a quarterly statement. If there is an electronic fund transfer on your account, you will also get a statement for that particular month. For all other consumer savings and checking accounts, you You will get a monthly statementaccount statement from us, unless there are no transactions in a particular month. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which In any case you will get a monthly statementstatement quarterly. You will get a quarterly statement from us on your savings account if this is the only account you maintain and the only possible electronic transfer to or from the account is a preauthorized deposit. Terminal Receipt. You can get a receipt at the time you make a transfer to or from your account using one of our ATMs or a POS terminal. However, receipts for transactions of $15.00 or less may not always be available. Direct Deposits Deposits. If you have arranged to have direct deposits made to your account at least once every sixty (60) 601 days from the same person or company, you can call us at the telephone number listed in the Contact Information (0000 000-0000 to find out whether or not the deposit has been made. Consumer Liability Tell us AT ONCE if you believe your code has been lost Our Liabiilty for Failure to Make Transfers. It we do not complete a transfer to or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your checkaccount on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. Telephoning is the best way However, there are some exceptions. We will NOT be liable for instance: If, through no fault of keeping your possible losses down. You could lose all the ours, you do not have enough money in your account to make the transfer. Ifthe money inyour account is subject to legal process or other claim restricting such transfer. If the transfer would go over the credit limit on your overdraft line. If the ATM where you are making the transfer does not have enough cash. * If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. If circumstances beyond our control (plus such as fire or flood) prevent the transaction, despite reasonable precautions that we have taken. * There may be other exceptions stated in our agreement with you. nI Case of Errors or Questions About Your Electronic Transfers. Telephone us at (000) 000-0000, or write us at PEOPLES EXCHANGE BANK,0000 00xx Xxxxxx, Xxxxxxxxxx, XX 00000 as soon as you can, if you think your maximum overdraft line statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than sixty (60) days after we sent the FIRST statement on which the problem or error appeared. * Tell us your name and account number (if any). Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. * Tell us the dollar amount of credit)the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 2 ten (10) business days. We will determine whether an error occurred within ten (10) business days after we hear from you learn and will correct any error promptly. If we need more time, however, we may take up to forty five (451 days to investigate your complaint or question. If we decide to do this, we will credit your account within ten I10) business days for the amount you think is in error, so that you will have the use of the loss or theft of your code, you can lose no more than $50 if someone used your code without your permissionmoney during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing and we do NOT not receive it within ten (10) business days,we may not credit your account. If a notice of error involves an electronic fund transfer that occurred within thirty (301 days after the first deposit to the account was made, the error involves a new account. For errors involving new accounts, point of sale debit card transactions, or foreign-initiated transactions, we may take up to ninety 190) days to investigate your complaint or question. For new accounts, we may take up to twenty (20) business days to credit your account for the amount you think is in error. We will tell us you the results within 2 three (31 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at oncecompleting our investigation. If you do not tell us within 60 days after the statement we decide that there was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling usno error, we will extend send you a written explanation. You may ask for copies of the time periodsdocuments that we used in our investigation.

Periodic Statement. If you have Exceptional Savings, Personal Savings or Starter Savings accounts, you will get a quarterly statement. If there is an electronic fund transfer on your account, you will also get a statement for that particular month. For all other consumer savings and checking accounts, you will get a monthly statement. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which case you will get a monthly statement. Direct Deposits If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, you can call us at the telephone number listed in the Contact Information to find out whether or not the deposit has been made. Consumer Liability Tell us AT ONCE if you believe your code has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. You could lose all the money in your account (plus your maximum overdraft line of credit). If you tell us within 2 business days after you learn of the loss or theft of your code, you can lose no more than $50 if someone used your code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code without your permission if you had told us, you could lose as much as $500. Also, if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Periodic Statement. If you I will receive a monthly statement (unless there are no transactions in a particular month), for the account(s) which I have Personal Savings accessed using the ATM Card, the ATM-Debit Card, or Starter Savings accountsElectronic Access Services which will show the calendar date that I initiated the transaction, you the type of transaction and the type of account(s) accessed by the transaction, and the amount of transactions occurring in that statement period. I will get a quarterly statement. If there is an electronic fund transfer on your account, you will also get a statement for that particular month. For all other consumer savings and checking accounts, you will get a monthly statement. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which case you will get a monthly statement. Direct Deposits If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, quarterly. My Liability for Unauthorized Transactions and Advisability of Prompt Reporting. I must tell you can call us at the telephone number listed in the Contact Information to find out whether or not the deposit has been made. Consumer Liability Tell us AT ONCE if you I believe your code my ATM Card, ATM Debit Card, (collectively “Cards”) Electronic Access PIN, ATM PIN or ATM Debit Card PIN, (collectively “PINS”) has been lost or stolen, stolen or if you I believe that an electronic fund transfer has been made without your permission using information from your checkmy permission. Telephoning is the best way of keeping your my possible losses down. You A written notification to you should follow my telephone call. I could lose all the money in your my account (plus your my maximum overdraft line of credit). If However, if I believe my Card or PIN has been lost or stolen, and I tell you tell us within 2 two (2) business days after I learn of the loss or theft, I can lose no more than $50.00 if someone used my Card or PIN without my permission. If I do NOT tell you within two (2) business days after I learn of the loss or theft of your codemy ATM Card, Electronic Access PIN or ATM PIN and you can lose no more than $50 if someone used your code without your permission. If prove you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code my ATM Card, Electronic Access PIN or ATM PIN without your my permission if you I had told usyou, you I could lose as much as $500500.00. Also, if your my statement shows transfers that you I did not make, including those made by card, code or other means, I must tell us you at once. If I do NOT tell you do not tell us within 60 sixty (60) days after the statement was mailed to youme, you I may not get back any money you I lost after the 60 sixty (60) days if we you can prove that we you could have stopped someone from taking the money if you I had told us you in time. I should also call the number or write to the address listed on the cover of this brochure if I believe a transfer has been made using the information from my check without my permission. If a good reason (such as a long trip or a hospital stay) kept you me from telling usyou, we you will extend the time periodsperiod. Exceptions for ATM Debit Card Point-of-Sale Transactions. I will have no liability for unauthorized transfers on a lost or stolen ATM Debit Card. You may require me to provide a written statement regarding claims of unauthorized transactions. These exceptions do not apply to ATM Debit Card transactions at an ATM or transactions not processed through the VISA Network. These limitations may be exceeded to the limit allowed by federal or state law if the Credit Union determines that I was negligent or fraudulent in handling my Account or Card. notice Regarding non-Visa PInless Debit card Transactions You allow non-Visa debit transaction processing. This means I may use my Visa® Debit Card on a PIN-Debit Network* (a non-Visa network) without using a PIN to authenticate my transactions. The non-Visa debit networks for which such transactions are allowed is Star, Plus, and CO-OP. Examples of the types of actions that I may be required to make to initiate a Visa transaction on my Visa Debit Card include signing a receipt, providing a debit card number over the phone or via the Internet, or swiping the debit card through a point-of-sale terminal. Examples of the types of actions I may be required to make to initiate a transaction on a Pin-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having my identity verified using known information derived from an existing relationship with us instead of through the use of a PIN. Please be advised that the terms and conditions of my agreement with use relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa Debit Card transactions are not applicable to transactions processed on a PIN- Debit Network. If I have any questions about non-Visa debit transactions, I will give you a call at (800) 000- 0000. *Visa rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. I am fully liable for an electronic fund transfer from my account initiated by a person to whom I furnished my Card and/or other access to my account, even if such person exceeds the authority given, unless I have notified you that transfers by that other person are no longer authorized. Telephone number and address to be notified in event of an Unauthorized Transaction. If I believe my Card or PIN has been lost or stolen or that someone will or may use it to transfer money from my account without my permission, I must I must telephone you at: (000) 000-0000 or I must write you at: 0000 Xxxxx Xxxxx El Monte, CA 91731 Attn: EFT or after business hours for an ATM Debit Card call (000) 000-0000. Regulation “D” Restrictions on electronic funds Transactions. Preauthorized, automatic or telephone withdrawals or transfers from Savings Accounts are limited to no more than six (6) transfers in each calendar month. However, I may make an unlimited number of withdrawals from or transfers among my own Savings Accounts by mail, messenger or in person at the Credit Union or at an ATM. I may also make an unlimited number of withdrawals from my Savings Accounts through the Credit Union’s Electronic Access System or by telephone if I request that you send me a check. Transfers or withdrawals in excess of the above limitations will not be honored.

Periodic Statement. If you I will receive a monthly statement (unless there are no transactions in a particular month), for the account(s) which I have Personal Savings accessed using the ATM Card, the ATM-Debit Card, or Starter Savings accountsElectronic Access Services which will show the calendar date that I initiated the transaction, you the type of transaction and the type of account(s) accessed by the transaction, and the amount of transactions occurring in that statement period. I will get a quarterly statement. If there is an electronic fund transfer on your account, you will also get a statement for that particular month. For all other consumer savings and checking accounts, you will get a monthly statement. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which case you will get a monthly statement. Direct Deposits If you have arranged to have direct deposits made to your account at least once every sixty (60) days from the same person or company, quarterly. My liability for Unauthorized Transactions and advisability of Prompt Reporting. I must tell you can call us at the telephone number listed in the Contact Information to find out whether or not the deposit has been made. Consumer Liability Tell us AT ONCE if you I believe your code my ATM Card, ATM Debit Card, (collectively “Cards”) Electronic Access PIN, ATM PIN or ATM Debit Card PIN, (collectively “PINS”) has been lost or stolen, stolen or if you I believe that an electronic fund transfer has been made without your permission using information from your checkmy permission. Telephoning is the best way of keeping your my possible losses down. You A written notification to you should follow my telephone call. I could lose all the money in your my account (plus your my maximum overdraft line of credit). If However, if I believe my Card or PIN has been lost or stolen, and I tell you tell us within 2 two (2) business days after I learn of the loss or theft, I can lose no more than $50.00 if someone used my Card or PIN without my permission. If I do NOT tell you within two (2) business days after I learn of the loss or theft of your codemy ATM Card, Electronic Access PIN or ATM PIN and you can lose no more than $50 if someone used your code without your permission. If prove you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code my ATM Card, Electronic Access PIN or ATM PIN without your my permission if you I had told usyou, you I could lose as much as $500500.00. Also, if your my statement shows transfers that you I did not make, including those made by card, code or other means, I must tell us you at once. If I do NOT tell you do not tell us within 60 sixty (60) days after the statement was mailed to youme, you I may not get back any money you I lost after the 60 sixty (60) days if we you can prove that we you could have stopped someone from taking the money if you I had told us you in time. I should also call the number or write to the address listed on the cover of this brochure if I believe a transfer has been made using the information from my check without my permission. If a good reason (such as a long trip or a hospital stay) kept you me from telling usyou, we you will extend the time periodsperiod. exceptions for aTM Debit card Point-of-sale Transactions. I will have no liability for unauthorized transfers on a lost or stolen ATM Debit Card. You may require me to provide a written statement regarding claims of unauthorized transactions. These exceptions do not apply to ATM Debit Card transactions at an ATM or transactions not processed through the VISA Network. These limitations may be exceeded to the limit allowed by federal or state law if the Credit Union determines that I was grossly negligent or fraudulent in handling my Account or Card. notice Regarding non-Visa PInless Debit card Transactions You allow non-Visa debit transaction processing. This means I may use my Visa® Debit Card on a PIN-Debit Network* (a non-Visa network) without using a PIN to authenticate my transactions. The non-Visa debit networks for which such transactions are allowed is Star, Plus, and CO-OP. Examples of the types of actions that I may be required to make to initiate a Visa transaction on my Visa Debit Card include signing a receipt, providing a debit card number over the phone or via the Internet, or swiping the debit card through a point-of-sale terminal. Examples of the types of actions I may be required to make to initiate a transaction on a Pin-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having my identity verified using known information derived from an existing relationship with us instead of through the use of a PIN. Please be advised that the terms and conditions of my agreement with use relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero-liability program) and the streamlined error resolution procedures offered on Visa Debit Card transactions are not applicable to transactions processed on a PIN- Debit Network. If I have any questions about non-Visa debit transactions, I will give you a call at (800) 000- 0000. *Visa rules generally define PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. I am fully liable for an electronic fund transfer from my account initiated by a person to whom I furnished my Card and/or other access to my account, even if such person exceeds the authority given, unless I have notified you that transfers by that other person are no longer authorized. Telephone number and address to be notified in event of an Unauthorized Transaction. If I believe my Card or PIN has been lost or stolen or that someone will or may use it to transfer money from my account without my permission, I must I must telephone you at: (000) 000-0000 or I must write you at: 0000 Xxxxx Xxxxx El Monte, CA 91731 Attn: EFT or after business hours for an ATM Debit Card call (000) 000-0000. Regulation “D” Restrictions on electronic funds Transactions. Preauthorized, automatic or telephone withdrawals or transfers from Savings Accounts are limited to no more than six (6) transfers in each calendar month. However, I may make an unlimited number of withdrawals from or transfers among my own Savings Accounts by mail, messenger or in person at the Credit Union or at an ATM. I may also make an unlimited number of withdrawals from my Savings Accounts through the Credit Union’s Electronic Access System or by telephone if I request that you send me a check. Transfers or withdrawals in excess of the above limitations will not be honored.

Periodic Statement. If My electronic payments and transfers will be indicated on account statements you provide or make accessible by mail, electronically, or by some other means. I will receive a monthly account statement (unless there are no transfers during that month) for the account(s) that I have Personal Savings or Starter Savings accountsaccessed, you which will get a quarterly statementshow the effective date that I initiated each transaction, the type of transaction, and the amount of transactions occurring during that statement period. If there is an electronic fund transfer on your accountIn any case, you I will also get receive a statement for that particular month. For all other consumer savings and checking accounts, you will get a monthly statement. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which case you will get a monthly statement. Direct Deposits If you have arranged to have direct deposits made to your account at least quarterly. My Liability for Unauthorized Transactions and Advisability of Reporting: I must tell you at once every sixty if I believe my ATM card, Visa Check Card, personal identification number (60) days from the same person PIN), or companypassword or access codes including my Xceed On-Call or Xceed Online PIN have been lost, you can call us at the telephone number listed in the Contact Information to find out whether or not the deposit has been made. Consumer Liability Tell us AT ONCE if you believe your code has been lost compromised, or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the The best way of keeping your to contact you is by telephone to minimize possible losses downlosses. You I understand that I could lose all the money in your account (my account(s) plus your my maximum overdraft and line of credit)credit limit. If I tell you tell us within 2 two (2) business days after you I learn of the loss or theft of your codeloss, you I can lose no more than $50 if someone used your my card, PIN, or code without your my permission. If I do not tell you do NOT tell us within 2 two (2) business days after you I learn of the loss loss, compromise, or theft of your codemy card, PIN, or code and we you can prove we you could have stopped someone from using your code without your permission the unauthorized transactions if you I had told usyou, you I could lose as much as $500. Also, if your If my statement shows electronic funds transfers that you I did not make, including those made by card, code or other means, I must tell us you at once. If you I do not tell us you within 60 sixty (60) days after the statement was mailed to youme, you I may not get back any money you lost be liable for transactions posting after the 60 sixty (60) days if we you can prove that we you could have stopped someone from taking prevented the money transactions if you I had told us you in time. If a good reason (such as a long trip or a hospital stay) kept you me from telling usyou, we I will let you know, and you may extend the time periods. However, if I am using my Visa Check Card for transactions that take place on the Visa network system, I understand that Visa Operating Rules and Regulations provide for zero liability for losses from unauthorized (fraudulent) activity. This does not apply to ATM transactions using a PIN. Telephone Number, Email, and Address to Be Notified in Event of Unauthorized Transactions: If I believe my ATM Card, Visa Check Card, PIN, or access code has been lost or stolen, or that someone will or may use it to transfer money from my account without my permission, I will contact you in one of the following ways: • Call your Contact Center at 800.XFCU.222 (800.932.8222) or, if I am outside the U.S., at 310.607.2000. • Write you at Xceed Financial Federal Credit Union, 000 X. Xxxx Street, El Segundo, CA 90245. • Send a secure message through Xceed Online. • Visit my local Financial Center.

Periodic Statement. If you I will receive a monthly statement (unless there are no transactions in a particular month) for the account(s) that I have Personal Savings accessed using an Electronic CheckTransaction, the ATMs, Point of Sale terminals, 1st Call, XX.xxxxxx,CU.transfer or Starter Savings accountsBillp@yer which will show the calendar date that I initiated the transaction, you the type of transaction and the type of account(s) accessed by the transactions, and the number of transactions occurring inthat statement period. I will get a quarterly statementstatement at least quarterly. If there CU.ONLINETRANSACTIONS: I may print a record of any individual transaction conducted through XX.xxxxxx at any time after the trans- is an electronic fund transfer on your accountcompleted. I may also subsequently contact you to request a paper receipt for any such transaction provided it is no more than three (3) months old. A fee may be charged for such a paper copy, you will also get a statement for that particular month. For all other consumer savings and checking accounts, you will get a monthly statement. For time deposit accounts, you will get a year-end statement unless you have a Smart Saver CD, in which case you will get a monthly statement. Direct Deposits If you have arranged to have direct deposits made subject to your account at least once every sixty Schedule of Fees and Charges. MY LIABILITY FOR UNAUTHORIZED TRANSACTIONS AND ADVISABILITYOF PROMPT REPORTING: I must tell youATONCE if I believe my checks, ATMCard, Visa Debit Card, Visa Credit Card, or my1st Call PIN, ATMPIN,VisaDebit CardPIN,VisaCredit CardPINor XX.xxxxxx Access Code, (60collectively “checks, Card(s) days from the same person or company, you can call us at the telephone number listed in the Contact Information to find out whether or not the deposit has been made. Consumer Liability Tell us AT ONCE if you believe your code and/or PIN(s)”) has been lost or stolen, or if you I believe that an electronic fund transfer has been made without your permission using information from your checkhasbeenmadewithoutmypermissionusinginformationfrommycheck. Telephoning is the best way of keeping your my possible losses down. You A written notification to you should follow my telephone call. I could lose all the money in your account themoneyinmyaccount (plus your maximum overdraft line plusmymaximumoverdraft Personal Line of creditCredit). If However, if I believe my check(s), Card(s), and/or my PIN(s) has been lost or stolen, and I tell you tell us within 2 two (2) business days after I learn of the loss or theft, I can lose no more than $50.00 if someone used my check(s) (in an Electronic Check Transaction), Card(s), and/ or any of my PIN(s) without my permission. If I do NOT tell you within two (2) business days after I learn of the loss or theft of your codemy check(s), Card(s,) and/or PIN(s) and you can lose no more than $50 if someone used your code without your permission. If prove you do NOT tell us within 2 business days after you learn of the loss or theft of your code, and we can prove we could have stopped someone from using your code fromusing my check(s), in an Electronic Check Transaction, and/or my Card(s) and/or my PIN(s) without your my permission if you I had told usyou, you I could lose as much as $500500.00. If I am using a Visa consumer card including credit or debit card for transactions that take place on the Visa network system, I understand that Visa Operating Rules and Regulations provide for $0 liability for losses from unauthorized (fraudulent) activity. This does not apply to ATM transactions using a PIN. Also, if your my statement shows transfers transactions that you I did not make, including those made by cardCard, code PIN, or other means, I must tell us you at once. If I do NOT tell you do not tell us within 60 sixty (60) days after the statement was mailed or delivered to youme, you I may not get back any money you I lost after the 60 sixty (60) days if we you can prove that we you could have stopped someone from taking the money if you I had told us you in time. If I can document a good reason (such as a long trip or a hospital stay) kept me fromtelling you, you from telling us, we will extend the time periods.. TELEPHONENUMBERANDADDRESSTOBENOTIFIEDINEVENT