Common use of Preauthorized Payments Clause in Contracts

Preauthorized Payments. You may make arrangements to pay certain recurring bills from your checking or savings account(s). • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from your check or draft to pay for purchases or pay bills. • Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds. Audio Access Telephone Transfers - types of transfers. You may access your account by telephone 24 hours a day, seven days a week, at (000) 000-0000 using your personal identification number and account numbers, to: • transfer funds from checking to checking, savings, Money Market, or Christmas/Vacation Savings; • transfer funds from savings to checking, savings, or Money Market; • transfer funds from line of credit to checking, savings, Money Market, or Christmas/Vacation Savings; • make payments from checking or savings to loan accounts with us; or • get information about: - the account balance of checking accounts; - the account balance of savings accounts; - history of transactions on savings, checking, or loans. ATM Transfers - types of transfers and dollar limitations. You may access your account(s) by ATM using your ATM card and personal identification number or debit card and personal identification number, to: • get cash withdrawals from checking or savings account(s) with a debit card; - you may withdraw no more than $500.00 per 24 hours • get cash withdrawals from savings account(s) with an ATM card; - you may withdraw no more than $500.00 per 24 hours • transfer funds from savings to checking account(s) with a debit card; • transfer funds from checking to savings account(s) with a debit card; or • get information about: • the account balance of your checking account(s) with a debit card; • the account balance of your savings accounts with an ATM card or debit card Some of these services may not be available at all terminals. Types of Debit Card Point-of-Sale Transactions. You may access your checking account(s) to purchase goods (in person, by phone, or online), pay for services (in person, by phone, or online), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations. Using your card: • You may not exceed $1,500.00 in transactions per 24 hours. • Your overall card limit (PIN and Signature based POS and ATM transactions) is $3,000.00 in transactions per 24 hours. Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction with your Debit Card in a currency other than US Dollars, Mastercard will convert the charge into a US Dollar amount. The Mastercard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by Mastercard. The exchange rate Mastercard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account. Mastercard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, Mastercard charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of .9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the Mastercard Debit Switch in which the country of the merchant is different than the country of the cardholder. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Flex-Teller Computer Transfers - types of transfers. You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxx.xxx and using your password and account numbers, to: • transfer funds from checking to checking, savings, Money Market, or Christmas/Vacation Savings; • transfer funds from savings to checking, savings, or Money Market; • transfer funds from line of credit to checking, savings, Money Market, or Christmas/Vacation Savings; • make payments from checking or savings to loan account(s) with us; or • get information about: - the account balance of checking account(s); - the account balance of savings account(s); - history of transactions on savings, checking, or loans. Fees. We do not charge for direct deposits to any type of account. We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Preauthorized Payments. You may make arrangements to pay certain recurring bills from your checking checking, share savings, or savings money market account(s). • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills. • Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds. Audio Access Telephone Online Banking Computer Transfers - types of transfers. transfers - You may access your account account(s) by telephone 24 hours a day, seven days a week, at (000) 000-0000 computer by internet access to XxxxxxxxXx.xxx and using your personal identification number and your account numbers, to: • transfer funds from checking to checking, savings, Money Market, or Christmas/Vacation Savings; checking • transfer funds from checking to share savings • transfer funds from share savings to checking, savings, or Money Market; checking • transfer funds from share savings to share savings • transfer funds from line of credit to checking, savings, Money Market, or Christmas/Vacation Savings; • make payments from checking or savings to loan accounts with us; or • get information about: - the account balance of checking accounts; - the account balance of savings accounts; - history of transactions on savings, checking, or loans. ATM Transfers - types of transfers and dollar limitations. You may access your account(s) by ATM using your ATM card and personal identification number or debit card and personal identification number, to: • get cash withdrawals from checking or savings account(s) with a debit card; - you may withdraw no more than $500.00 per 24 hours • get cash withdrawals from savings account(s) with an ATM card; - you may withdraw no more than $500.00 per 24 hours • transfer funds from savings to checking account(s) with a debit card; • transfer funds from checking to savings account(s) with a debit card; or • get information about: • the account balance of your checking account(s) with a debit card; • the account balance of your savings accounts with an ATM card or debit card Some of these services may not be available at all terminals. Types of Debit Card Point-of-Sale Transactions. You may access your checking account(s) to purchase goods (in person, by phone, or online), pay for services (in person, by phone, or online), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations. Using your card: • You may not exceed $1,500.00 in transactions per 24 hours. • Your overall card limit (PIN and Signature based POS and ATM transactions) is $3,000.00 in transactions per 24 hours. Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction with your Debit Card in a currency other than US Dollars, Mastercard will convert the charge into a US Dollar amount. The Mastercard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by Mastercard. The exchange rate Mastercard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account. Mastercard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, Mastercard charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of .9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the Mastercard Debit Switch in which the country of the merchant is different than the country of the cardholder. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Flex-Teller Computer Transfers - types of transfers. You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxx.xxx and using your password and account numbers, to: • transfer funds from checking to checking, savings, Money Market, or Christmas/Vacation Savings; • transfer funds from savings to checking, savings, or Money Market; • transfer funds from line of credit to checking, savings, Money Market, or Christmas/Vacation Savings; share savings • make payments from checking or to loan accounts with us • make payments from checking to third parties • make payments from share savings to loan account(s) accounts with us; or us • get information about: - o the account balance of checking account(s); - accounts o the account balance of share savings account(saccounts o loan balances, cross account transfers, changing PIN number, account histories, dividends earned, check cleared status, and withdrawals by draft by mail to member's address of record Health Savings Accounts (HSA); . We permit some electronic fund transfers to and/or from your HSA. The electronic fund transfers we permit are offered for the convenience of managing your HSA. However, electronically moving funds to or from your HSA - history of transactions on savingsfor example, checkingdepositing more than the allowable amount, or loansgetting additional cash back on an HSA debit card transaction - can raise a variety of tax concerns. FeesAs a result, before electronically accessing any account you may have with us, it is a good practice to make sure you are using the correct access device (such as a card) or accessing the appropriate account for the transaction. Also, it is your responsibility to ensure the contributions, distributions, and other actions related to your HSA, comply with the law, including federal tax law. As always, we recommend consulting a legal or tax professional if you have any questions about managing your HSA. The terms of this disclosure are intended to work in conjunction with the HSA Agreement provided to you earlier. In the event of a conflict, the terms of the HSA Agreement control. You understand that your HSA is intended to be used for payment of qualified medical expenses. It is your responsibility to satisfy any tax liability resulting from use of your HSA for any purpose other than payment or reimbursement of qualified medical expenses. We do not monitor the purpose of any transaction to or from your HSA. Nor are we responsible for ensuring your eligibility for making contributions or ensuring withdrawals are used for payment or reimbursement of qualified medical expenses. Refer to your HSA Agreement for more information relating to the use of your HSA. FEES • We do not charge for direct deposits to any type of account. • We do not charge for a preauthorized payments payment made from any type of accountyour account(s). • Please refer to our separate fee schedule for additional information about charges. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Preauthorized Payments. You may make arrangements to pay certain recurring bills from your checking share draft or share savings account(s). • ◆ Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills. • ◆ Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds. Audio Access Telephone Transfers Dort by Phone - types of transfers. Dort Federal's automated telephone banking system - You may access your account by telephone nearly 24 hours a day, seven days a week, at (000) 000-0000 day using your personal identification number, member number and account numbers, . Dort by Phone may be used in conjunction with a touch tone phone or by voice recognition. This service allows you to: • ◆ Check account balances and transfer funds from checking to checking, savings, Money Market, ◆ Obtain account history ◆ Stop payment of a check ◆ Reorder checks ◆ Withdrawal check ◆ Deactivate a lost or Christmas/Vacation Savings; • transfer funds from stolen card ◆ Obtain Branch and ATM information ◆ Change your PIN ◆ Hear our latest savings to checking, savings, or Money Market; • transfer funds from and loan rates ◆ Connect with a Dort Federal representative ◆ Process cash advances on our line of credit products Your Option to checkingLimit Cash Withdrawals - In addition to dollar amount limitations for withdrawals using your Visa, savingsCheck Card and/or code that we may establish, Money Marketyou have the option to limit the amount of cash that can be withdrawn by your Visa, Check Card and/or code to $50.00 per day or Christmas/Vacation Savings; • make payments from checking or savings some other amount acceptable to loan accounts with us; or • get information about: - the account balance of checking accounts; - the account balance of savings accounts; - history of transactions on savings, checking, or loans. ATM Transfers - types of transfers and dollar limitations. limitations - You may access your account(s) by ATM using your ATM card and personal identification number or debit card Visa, Check Card and personal identification number, to: • ◆ make deposits to share draft or share savings account(s) with an ATM card (if eligible) ◆ get cash withdrawals from checking share draft or share savings account(s) with a debit card; an ATM card - you may withdraw no more than $500.00 per 24 hours • day unless a different limitation is disclosed in writing at card issuance ◆ get cash withdrawals from share draft account(s) with a debit card ◆ transfer funds from share savings to share draft account(s) with an ATM card ◆ transfer funds from share draft to share savings account(s) with an ATM card; - you may withdraw no more than $500.00 per 24 hours • transfer funds from savings to checking account(s) with a debit card; • transfer funds from checking to savings account(s) with a debit card; or • get information about: • the account balance of your checking account(s) with a debit card; • the account balance of your savings accounts with an ATM card or debit card Some of these services may not be available at all terminals. Types of Debit ATM Card Point-of-Sale Transactions. Transactions - You may access your checking share draft account(s) to purchase goods (in person, by phone, or online), pay for services (in person), and get cash from a merchant, if the merchant permits. Point-of-Sale Transactions - dollar limitations - Using your ATM card: ◆ you may not exceed $500.00 in transactions per day unless a different limitation is disclosed in writing at card issuance Types of Visa, Check Card Point-of-Sale Transactions - You may access your share draft account(s) to purchase goods (in person or by phone), pay for services (in person or onlineby phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations. Using your card: • You may not exceed $1,500.00 in transactions per 24 hours. • Your overall card limit (PIN and Signature based POS and ATM transactions) is $3,000.00 in transactions per 24 hours. Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction with your Debit Card in a currency other than US Dollars, Mastercard will convert Please see our additional disclosure for information relating to the charge into a US Dollar amount. The Mastercard currency conversion procedure includes use of either a government-mandated exchange rateyour Visa, or a wholesale exchange rate selected by Mastercard. The exchange rate Mastercard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account. Mastercard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, Mastercard charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of .9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the Mastercard Debit Switch in which the country of the merchant is different than the country of the cardholder. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Flex-Teller Computer Transfers - types of transfers. You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxx.xxx and using your password and account numbers, to: • transfer funds from checking to checking, savings, Money Market, or Christmas/Vacation Savings; • transfer funds from savings to checking, savings, or Money Market; • transfer funds from line of credit to checking, savings, Money Market, or Christmas/Vacation Savings; • make payments from checking or savings to loan account(s) with us; or • get information about: - the account balance of checking account(s); - the account balance of savings account(s); - history of transactions on savings, checking, or loans. Fees. We do not charge for direct deposits to any type of account. We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer)Check Card.

Preauthorized Payments. You may make arrangements to pay certain recurring bills from your checking share draft or share savings account(s). • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from provide your check or draft to pay a merchant or service provider who will scan the check or draft for purchases the encoded credit union and account information. The merchant or pay billsservice provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. • Electronic returned check or draft charge. You may authorize a merchant Some merchants or other payee to service providers will initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds. Audio Access Telephone Transfers - – types of transfers. transfers – You may access your account by telephone 24 hours a day, seven days a week, day at (000) 000-0000 or (000) 000-0000 using your personal identification number number, touch tone phone, and account numbers, to: • transfer funds from checking share draft to checking, savings, Money Market, share draft or Christmas/Vacation Savings; share savings • transfer funds from share draft to other savings to checking, savings, or Money Market; • transfer funds from share savings to share draft or share savings • transfer funds from share savings to other share draft • transfer funds from personal line of credit and home equity line of credit to checking, savings, Money Market, share draft or Christmas/Vacation Savings; share savings • make payments from checking share draft or share savings to loan accounts with us; or us • get information about: - the account balance of checking accounts; share draft or share savings accounts - the account balance of unlimited deposits to share draft or share savings accounts; accounts - history unlimited withdrawals from share draft or share savings accounts ATM Card Transactions – types of transactions on savings, checking, or loans. ATM Transfers - types of transfers and dollar limitations. – You may access your account(s) by ATM using your ATM card and your personal identification number or debit card and personal identification number, (PIN) to: • get Make deposits to checking and saving account(s) • Withdraw cash withdrawals from checking or and savings account(s) with a debit card; - you may withdraw no more than $500.00 per 24 hours • get cash withdrawals from savings account(s) with an ATM card; day (Kokomo Edge - you may withdraw no more than $500.00 200.00 per 24 hours day) • transfer Transfer funds from checking(s) or savings to checking account(schecking(s) with a debit card; • transfer funds from checking to or savings account(s) with a debit card; or • get Get balance information about: • the account balance of your about checking account(s) with a debit card; • the account balance of your and savings accounts with an ATM card or debit card Some of these services may not be available at all terminals. Types of Debit Card Transactions – You may access your share draft account(s) and Line of Credit account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution. Types of Checking ATM Card Point-of-Sale Transactions. Transactions – You may access your checking share draft account(s) to purchase goods (in person, online, or by phone, or online), pay for services (in person, online, or by phone, or online), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations. Using your card: • You may not exceed $1,500.00 in transactions per 24 hours. • Your overall card limit (PIN and Signature based POS and ATM transactions) is $3,000.00 in transactions per 24 hourswillaccept. Currency Conversion and Cross-Border Transaction FeesConversion. If When you effect use your Checking ATM Card at a transaction with your Debit Card merchant that settles in a currency other than US Dollarsdollars, Mastercard will convert the charge will be converted into a US Dollar dollar amount. The Mastercard currency conversion procedure includes use of rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated exchange raterate in effect for the applicable central processing date, or a wholesale exchange rate selected by Mastercardplus 1%. The exchange rate Mastercard uses will be a conversion rate in effect on the day the transaction is processed. This rate processing date may differ from the rate in effect on the transaction date of purchase or the date the transaction was posted to your account. Mastercard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, Mastercard charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of .9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the Mastercard Debit Switch in which the country of the merchant is different than the country of the cardholderposting date. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Flex-Teller Computer Online Banking Transfers - – types of transfers. transfers – You may access your account(s) by computer through the internet Internet by logging onto our website at xxx.xxxxxxxxx.xxx and xxx.xxxxxx.xxx using • your password and account numberspersonal identification number, to: • transfer funds from checking share draft to checking, savings, Money Market, share draft or Christmas/Vacation Savings; share savings • transfer funds from share draft to other savings to checking, savings, or Money Market; • transfer funds from share savings to share draft or share savings • transfer funds from share savings to other share draft • transfer funds from personal line of credit and home equity line of credit to checking, savings, Money Market, share draft or Christmas/Vacation Savings; share savings • make payments from checking share draft or share savings to loan account(s) accounts with us; or us • get information aboutgetinformationabout: - the account balance of checking account(s); share draft or share savings accounts - the account balance of deposits to share draft or share savings account(s); - history of transactions on savings, checking, accounts withdrawals from share draft or loans. Fees. share savings accounts FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Preauthorized Payments. You may make arrangements to pay certain recurring bills from your checking share draft or share savings account(s). • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from provide your check or draft to pay a merchant or service provider who will scan the check or draft for purchases the encoded credit union and account information. The merchant or pay billsservice provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. • Electronic returned check or draft charge. You may authorize a merchant Some merchants or other payee to service providers will initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds. Audio Access Telephone Transfers - – types of transfers. transfers – You may access your account by telephone 24 hours a day, seven days a week, day at (000) 000-0000 or (000) 000-0000 using your personal identification number number, touch tone phone, and account numbers, to: • transfer funds from checking share draft to checking, savings, Money Market, share draft or Christmas/Vacation Savings; share savings • transfer funds from share draft to other savings to checking, savings, or Money Market; • transfer funds from share savings to share draft or share savings • transfer funds from share savings to other share draft • transfer funds from personal line of credit and home equity line of credit to checking, savings, Money Market, share draft or Christmas/Vacation Savings; share savings • make payments from checking share draft or share savings to loan accounts with us; or us • get information about: - the account balance of checking accounts; share draft or share savings accounts - the account balance of unlimited deposits to share draft or share savings accounts; - history accounts -unlimited withdrawals from share draft or share savings accounts ATM Card Transactions – types of transactions on savings, checking, or loans. ATM Transfers - types of transfers and dollar limitations. – You may access your account(s) by ATM using your ATM card and your personal identification number or debit card and personal identification number, (PIN) to: • get Make deposits to checking and saving account(s) • Withdraw cash withdrawals from checking or and savings account(s) with a debit card; - you may withdraw no more than $500.00 200.00 per 24 hours day • get cash withdrawals Transfer funds from checking(s) or savings to checking(s) or savings account(s) with an ATM card; - you may withdraw no more than $500.00 per 24 hours • transfer funds from savings to Get balance information about checking account(s) with a debit card; • transfer funds from checking to savings account(s) with a debit card; or • get information about: • the account balance of your checking account(s) with a debit card; • the account balance of your and savings accounts with an ATM card or debit card Some of these services may not be available at all terminals. Types of Debit Card Transactions – You may access your share draft account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution. Types of Checking ATM Card Point-of-Sale Transactions. Transactions – You may access your checking share draft account(s) to purchase goods (in person, online, or by phone, or online), pay for services (in person, online, or by phone, or online), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitationsCurrency Conversion. Using When you use your card: • You may not exceed $1,500.00 Checking ATM Card at a merchant that settles in transactions per 24 hours. • Your overall card limit (PIN and Signature based POS and ATM transactions) is $3,000.00 in transactions per 24 hours. Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction with your Debit Card in a currency other than US Dollarsdollars, Mastercard will convert the charge will be converted into a US Dollar dollar amount. The Mastercard currency conversion procedure includes use of rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated exchange raterate in effect for the applicable central processing date, or a wholesale exchange rate selected by Mastercardplus 1%. The exchange rate Mastercard uses will be a conversion rate in effect on the day the transaction is processed. This rate processing date may differ from the rate in effect on the transaction date of purchase or the date the transaction was posted to your account. Mastercard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, Mastercard charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of .9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the Mastercard Debit Switch in which the country of the merchant is different than the country of the cardholderposting date. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Flex-Teller Computer Online Banking Transfers - – types of transfers. transfers – You may access your account(s) by computer through the internet Internet by logging onto our website at xxx.xxxxxxxxx.xxx and xxx.xxxxxx.xxx using your password and account numberspersonal identification number, to: • transfer funds from checking share draft to checking, savings, Money Market, share draft or Christmas/Vacation Savings; share savings • transfer funds from share draft to other savings to checking, savings, or Money Market; • transfer funds from share savings to share draft or share savings • transfer funds from share savings to other share draft • transfer funds from personal line of credit and home equity line of credit to checking, savings, Money Market, share draft or Christmas/Vacation Savings; share savings • make payments from checking share draft or share savings to loan account(s) accounts with us; or us • get information about: - the account balance of checking account(s); share draft or share savings accounts - the account balance of deposits to share draft or share savings account(s); accounts - history of transactions on savings, checking, withdrawals from share draft or loans. Fees. share savings accounts FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Preauthorized Payments. You may make arrangements to pay certain recurring bills from your checking share draft or share savings account(s). • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking account using information from provide your check or draft to pay a merchant or service provider who will scan the check or draft for purchases the encoded credit union and account information. The merchant or pay billsservice provider will then use this information to convert the transaction into an electronic funds transfer. This may occur at the point of purchase, or when you provide your check or draft by other means such as by mail or drop box. • Electronic returned check or draft charge. You may authorize a merchant Some merchants or other payee to service providers will initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds. Audio Access Telephone Transfers - – types of transfers. transfers – You may access your account by telephone 24 hours a day, seven days a week, day at (000) 000-0000 or (000) 000-0000 using your personal identification number number, touch tone phone, and account numbers, to: • transfer funds from checking share draft to checking, savings, Money Market, share draft or Christmas/Vacation Savings; share savings • transfer funds from share draft to other savings to checking, savings, or Money Market; • transfer funds from share savings to share draft or share savings • transfer funds from share savings to other share draft • transfer funds from personal line of credit and home equity line of credit to checking, savings, Money Market, share draft or Christmas/Vacation Savings; share savings • make payments from checking share draft or share savings to loan accounts with us; or us • get information about: - the account balance of checking accounts; share draft or share savings accounts - the account balance of unlimited deposits to share draft or share savings accounts; - history accounts -unlimited withdrawals from share draft or share savings accounts ATM Card Transactions – types of transactions on savings, checking, or loans. ATM Transfers - types of transfers and dollar limitations. – You may access your account(s) by ATM using your ATM card and your personal identification number or debit card and personal identification number, (PIN) to: • get Make deposits to checking and saving account(s) • Withdraw cash withdrawals from checking or and savings account(s) with a debit card; - you may withdraw no more than $500.00 200.00 per 24 hours day • get cash withdrawals Transfer funds from checking(s) or savings to checking(s) or savings account(s) with an ATM card; - you may withdraw no more than $500.00 per 24 hours • transfer funds from savings to Get balance information about checking account(s) with a debit card; • transfer funds from checking to savings account(s) with a debit card; or • get information about: • the account balance of your checking account(s) with a debit card; • the account balance of your and savings accounts with an ATM card or debit card Some of these services may not be available at all terminals. Types of Debit Card Transactions – You may access your share draft account(s) and Line of Credit account(s) to purchase goods (in person), pay for services (in person), and get cash from a merchant, if the merchant permits, or from a participating financial institution. Types of Checking ATM Card Point-of-Sale Transactions. Transactions – You may access your checking share draft account(s) to purchase goods (in person, online, or by phone, or online), pay for services (in person, online, or by phone, or online), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitationsCurrency Conversion. Using When you use your card: • You may not exceed $1,500.00 Checking ATM Card at a merchant that settles in transactions per 24 hours. • Your overall card limit (PIN and Signature based POS and ATM transactions) is $3,000.00 in transactions per 24 hours. Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction with your Debit Card in a currency other than US Dollarsdollars, Mastercard will convert the charge will be converted into a US Dollar dollar amount. The Mastercard currency conversion procedure includes use of rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government-mandated exchange raterate in effect for the applicable central processing date, or a wholesale exchange rate selected by Mastercardplus 1%. The exchange rate Mastercard uses will be a conversion rate in effect on the day the transaction is processed. This rate processing date may differ from the rate in effect on the transaction date of purchase or the date the transaction was posted to your account. Mastercard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, Mastercard charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of .9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the Mastercard Debit Switch in which the country of the merchant is different than the country of the cardholderposting date. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Flex-Teller Computer Online Banking Transfers - – types of transfers. transfers – You may access your account(s) by computer through the internet Internet by logging onto our website at xxx.xxxxxxxxx.xxx and xxx.xxxxxx.xxx using your password and account numberspersonal identification number, to: • transfer funds from checking share draft to checking, savings, Money Market, share draft or Christmas/Vacation Savings; share savings • transfer funds from share draft to other savings to checking, savings, or Money Market; • transfer funds from share savings to share draft or share savings • transfer funds from share savings to other share draft • transfer funds from personal line of credit and home equity line of credit to checking, savings, Money Market, share draft or Christmas/Vacation Savings; share savings • make payments from checking share draft or share savings to loan account(s) accounts with us; or us • get information about: - the account balance of checking account(s); share draft or share savings accounts - the account balance of deposits to share draft or share savings account(s); accounts - history of transactions on savings, checking, withdrawals from share draft or loans. Fees. share savings accounts FEES • We do not charge for direct deposits to any type of account. • We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer).

Preauthorized Payments. You may make arrangements to pay certain recurring bills from your checking share draft or share savings account(s). • Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your checking or share draft account using information from your check or draft to pay for purchases or pay bills. • Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds. Audio Access CU*TALK Telephone Transfers - types of transfers. transfers and frequency limitations - You may access your account by telephone 24 hours a day, seven days a week, day at (000) 000-0000 using your personal identification number number, a touch tone phone, and your account numbers, to: • transfer funds from checking share draft to checking, savings, Money Market, or Christmas/Vacation Savings; share savings • transfer funds from share savings to checking, savings, or Money Market; share draft - you may make no more than six transfers per month • transfer funds from share savings to share savings • transfer funds from line of credit to checking, savings, Money Market, share draft or Christmas/Vacation Savings; share savings • make payments from checking share draft or share savings to loan accounts with us; or us • get information about: - the account balance activity - account balances - paid share drafts - dividends paid to your accounts - interest paid on a loan - loan and share rates • verify date and amount of checking accounts; - the account balance of savings accounts; - history of transactions your last payroll, obtain tax information on savings, checking, or loans. amounts earned on share and share draft accounts ATM Transfers - types of transfers transfers, frequency and dollar limitations. , and charges - You may access your account(s) by ATM using your ATM card and personal identification number or debit card Debit Card and personal identification number, to: • get cash withdrawals from checking share draft or share savings account(s) with a debit card; - you may withdraw no more than $500.00 per 24 hours • get cash withdrawals from savings account(s) with an ATM card; - you may withdraw no more than $500.00 per 24 hours day • transfer funds from share savings to checking share draft account(s) with a debit card; • transfer funds from checking share draft to share savings account(s) with a debit card; or • transfer funds from line of credit to share draft account(s) • get information about: • - the account balance of your checking share draft account(s) with a debit card; • - the account balance of your share savings accounts with an ATM card account(s) There is a charge of $1.25 per transaction (withdrawal, transfer, or debit card inquiry) at ATMs we do not own or operate. You may make no more than ten transactions (withdrawals, transfers, or inquiries) per day. Some of these services may not be available at all terminals. Types of Debit Card Point-of-Sale Transactions. Transactions - You may access your checking share draft account(s) to purchase goods (in person, online, or by phone, or online), pay for services (in person, online, or by phone, or online), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. Point-of-Sale Transactions - dollar limitations. limitations - Using your card: • You you may not exceed $1,500.00 in transactions per 24 hours. • Your overall card limit (PIN and Signature based POS and ATM transactions) is $3,000.00 in transactions per 24 hours. day Currency Conversion and Cross-Border Transaction FeesInternational Transactions. If When you effect a transaction with use your Debit Card at a merchant that settles in a currency other than US Dollarsdollars, Mastercard will convert the charge will be converted into a the US Dollar dollar amount. The Mastercard currency conversion procedure includes use of rate used to determine the transaction amount in US dollars is either a government-mandated exchange rate, or a wholesale exchange rate selected by MastercardVisa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government- mandated rate in effect for the applicable central processing date. The exchange rate Mastercard uses will be a conversion rate in effect on the day the transaction is processed. This rate processing date may differ from the rate in effect on the transaction date of purchase or the date the transaction was posted to your account. Mastercard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, Mastercard charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) on all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of .9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the Mastercard Debit Switch in which the country of the merchant is different than the country of the cardholder. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Flex-Teller Computer Transfers - types of transfers. You may access your account(s) by computer through the internet by logging onto our website at xxx.xxxxxxxxx.xxx and using your password and account numbers, to: • transfer funds from checking to checking, savings, Money Market, or Christmas/Vacation Savings; • transfer funds from savings to checking, savings, or Money Market; • transfer funds from line of credit to checking, savings, Money Market, or Christmas/Vacation Savings; • make payments from checking or savings to loan account(s) with us; or • get information about: - the account balance of checking account(s); - the account balance of savings account(s); - history of transactions on savings, checking, or loans. Fees. We do not charge for direct deposits to any type of account. We do not charge for preauthorized payments from any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees. When you use an ATM not owned by us, you may be charged a fee by the ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer)posting date.