Common use of Withdrawals and Transfers Clause in Contracts

Withdrawals and Transfers. Available Balance. You may withdraw or transfer all or any part of the Available Balance in your Deposit Account at any time, provided that the withdrawal will not cause you to exceed the Spending Limit(s) and any other limitations in this Agreement or limits you set on the Deposit Account by using the App. We determine your Available Balance by taking your previous day balance, plus any pending credit transactions (excluding pending returns), such as ACH direct deposits, and subtracting (a) pending charges such as, electronic payments, according to the Processing Order (defined in Section IV.B.9 below) (b) amount of deposits that are not yet available for withdrawal under our Funds Availability Policy, and (c) any holds on your balance, such as holds on funds to comply with court orders or other legal requirements, or as authorized by the Security Agreement. We reserve the right to use a different method in certain states if required by law. We may permit Authorized Users to withdraw only the portion of the Available Balance which is designated to the Sub-Account(s) they are authorized to use. However, we are not required to do so unless required by applicable law. Withdrawal Rules. By initiating a withdrawal of funds from your Deposit Account, you authorize us to make the transaction you select. Withdrawals may be made in U.S. dollars by using the App to authorize a transfer of funds to a Linked External Account, to make a P2P transfer to another KlaDot user, or to make a transfer to another type of account or payee we may permit from time to time. Withdrawals to a Linked External Account and P2P transfers are processed as ACH transactions. Please see the Electronic Fund Transfer Agreement for more information. We may subtract from your Deposit Account balance the amount of any withdrawal, P2P Transfer, or other debit transaction that you, or any Authorized User, or person you or an Authorized User authorized, initiated or approved. We may require you or any person you authorize to provide us with identification, documentation or information that is acceptable to us before allowing the transaction. You may not make any withdrawal in an amount that exceeds the applicable Available Balance. We may refuse to permit Authorized Users to make any withdrawal in an amount that exceeds the Available Balance applicable to the Deposit Account they are authorized to use. We may refuse any withdrawal or transfer request by any method on forms not approved by us, or that we do not specifically permit for your Deposit Account, or that does not include all information we require, or that is greater in number than the frequency permitted, or which is greater or less than any withdrawal limitations. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. In addition, we may place limitations on your Deposit Account until your identity is verified. We reserve the right to establish (and change) maximum dollar limits for withdrawal transactions from time to time. Even if we honor a nonconforming request, we are not required to do so later. Cutoff Time. Online requests to transfer funds to or from your Deposit Account must be received by us by 2:00 PM PT on a Business Day to be initiated on that Business Day. Online transfer requests received by us after 2:00 PM PT or on a day that is not a Business Day generally will be initiated on the next Business Day.

Withdrawals and Transfers. Available Balance. You may withdraw or authorize electronic funds transfers to or from your Accounts. Transfers from your Accounts may be made to your other Accounts with us or to External Accounts at other banks that you have linked to your ableBanking Service. Subject to the restrictions set forth in this Agreement, any Account owner, acting alone, has authority to withdraw or transfer all or any part of the Available Balance in your Deposit Account balance at any time, provided that the withdrawal will not cause you to exceed the Spending Limit(s) and any other limitations in this . This Agreement or imposes limits you set on the number of certain types of withdrawals and transfers you can make each month from a Money Market Deposit Account. You can make no more than a combined total of six (6) transactions to another account of yours or to a third party each monthly statement cycle from among the following: • Preauthorized or automatic transfers from your Account (including transfers for overdraft protection or between your Accounts). • Telephone transfers from your Account. Telephone transfers include instructions to transfer funds sent to us by facsimile or other electronic transmission, but do not include requests you make by telephone for us to mail a check payable to you. • Online withdrawal transfers from your Account. • Paper checks are not permitted on accounts opened on or after 04/01/2013. Use of paper checks ordered from another source will be returned. Transfers from your Money Market Deposit Account by using the App. We determine your Available Balance by taking your previous day balance, plus any pending credit transactions (excluding pending returns), such as ACH direct deposits, and subtracting (a) pending charges such as, electronic payments, according to the Processing Order (defined in Section IV.B.9 below) (b) amount of deposits that are not yet available for withdrawal under our Funds Availability Policy, and (c) any holds on your balance, such as holds on funds to comply with court orders or other legal requirements, or as authorized by the Security Agreement. We reserve the right to use a different method in certain states if required by law. We may permit Authorized Users to withdraw only the portion of the Available Balance which is designated to the Sub-Account(s) they are authorized to use. However, we are not required to do so unless required by applicable law. Withdrawal Rules. By initiating a withdrawal of funds from your Deposit Account, you authorize us to make the transaction you select. Withdrawals may be made in U.S. dollars by using the App to authorize a transfer of funds to a Linked an External Account, to make a P2P transfer to another KlaDot user, Account or to make a transfer to another type of account or payee we may permit from time to time. Withdrawals to a Linked External Account and P2P transfers are processed as ACH transactions. Please see the Electronic Fund Transfer Agreement for more information. We may subtract from your Deposit Account balance the amount of any withdrawal, P2P Transfer, or other debit transaction that you, or any Authorized User, or person you or an Authorized User third parties by pre- authorized, initiated automatic or approved. We may require you or any person you authorize telephone transfer are limited to provide us with identification, documentation or information that is acceptable to us before allowing the transaction. You may not make any withdrawal in an amount that exceeds the applicable Available Balance. We may refuse to permit Authorized Users to make any withdrawal in an amount that exceeds the Available Balance applicable to the Deposit Account they are authorized to use$25,000.00 per day. We may refuse any withdrawal or transfer request that you attempt by any method on forms not approved by us, or that we do not specifically permit for your Deposit Accountpermit, or that does not include all information we require, or that which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. There is a fee for excessive transactions (see Fee Schedule) and repeated violations could result in your Account being closed. We will use count a withdrawal transaction on the date the transaction is completed by us (as opposed to the date you initiate it) to apply we debit it from your Account, when applying the frequency limitations. In additionThis date may be different from the date you authorize, transfer, or write the transaction, which means a transaction made during one statement cycle may not be counted until a later statement cycle. If we are presented with an item drawn against your Account that would be a "substitute check," as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. As provided by federal law, we may place limitations on your Deposit Account until your identity is verified. We reserve the right to establish require you to provide us with seven (and change7) maximum dollar limits days written notice before withdrawing or transferring funds from a Money Market Deposit Account. Refer to "Part II: Electronic Funds Transfer Disclosures, Limitations on Dollar Amount of Transfers" below, for withdrawal transactions from time additional limitations that may apply to time. Even if we honor a nonconforming request, we are not required to do so later. Cutoff Time. Online requests to transfer funds to or withdrawals from your Money Market Deposit Account must Account. Withdrawals from a time account prior to maturity or prior to any notice period may be received by us by 2:00 PM PT on restricted and may be subject to a Business Day to be initiated on that Business Daypenalty. Online transfer requests received by us after 2:00 PM PT or on a day that is not a Business Day generally will be initiated on the next Business DaySee your Truth in Savings Disclosure for early withdrawal penalties.

Withdrawals and Transfers. Available Balance. You may withdraw or authorize electronic funds transfers to or from your Accounts. Transfers from your Accounts may be made to your other Accounts with us or to External Accounts at other banks that you have linked to your ableBanking Service. Subject to the restrictions set forth in this Agreement, any Account owner, acting alone, has authority to withdraw or transfer all or any part of the Available Balance in your Deposit Account balance at any time, provided that the withdrawal . Paper checks are not permitted on accounts opened on or after 04/01/2013. Use of paperchecks ordered from another source will not cause you to exceed the Spending Limit(s) and any other limitations in this Agreement or limits you set on the be returned. Transfers from your Money Market Deposit Account by using the App. We determine your Available Balance by taking your previous day balance, plus any pending credit transactions (excluding pending returns), such as ACH direct deposits, and subtracting (a) pending charges such as, electronic payments, according to the Processing Order (defined in Section IV.B.9 below) (b) amount of deposits that are not yet available for withdrawal under our Funds Availability Policy, and (c) any holds on your balance, such as holds on funds to comply with court orders or other legal requirements, or as authorized by the Security Agreement. We reserve the right to use a different method in certain states if required by law. We may permit Authorized Users to withdraw only the portion of the Available Balance which is designated to the Sub-Account(s) they are authorized to use. However, we are not required to do so unless required by applicable law. Withdrawal Rules. By initiating a withdrawal of funds from your Deposit Account, you authorize us to make the transaction you select. Withdrawals may be made in U.S. dollars by using the App to authorize a transfer of funds to a Linked an External Account, to make a P2P transfer to another KlaDot user, Account or to make a transfer to another type of account or payee we may permit from time to time. Withdrawals to a Linked External Account and P2P transfers are processed as ACH transactions. Please see the Electronic Fund Transfer Agreement for more information. We may subtract from your Deposit Account balance the amount of any withdrawal, P2P Transfer, or other debit transaction that you, or any Authorized User, or person you or an Authorized User third parties by pre-authorized, initiated automatic or approved. We may require you or any person you authorize telephone transfer are limited to provide us with identification, documentation or information that is acceptable to us before allowing the transaction. You may not make any withdrawal in an amount that exceeds the applicable Available Balance. We may refuse to permit Authorized Users to make any withdrawal in an amount that exceeds the Available Balance applicable to the Deposit Account they are authorized to use$25,000.00 per day. We may refuse any withdrawal or transfer request that you attempt by any method on forms not approved by us, or that we do not specifically permit for your Deposit Accountpermit, or that does not include all information we require, or that which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. There is a fee for excessive transactions (see Fee Schedule) and repeated violations could result in your Account being closed. We will use count a withdrawal transaction on the date the transaction is completed by us (as opposed to the date you initiate it) to apply we debit it from your Account, when applying the frequency limitations. In additionThis date may be different from the date you authorize, transfer, or write the transaction, which means a transaction made during one statement cycle may not be counted until a later statement cycle. If we are presented with an item drawn against your Account that would be a “substitute check,” as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. As provided by federal law, we may place limitations on your Deposit Account until your identity is verified. We reserve the right to establish require you to provide us with seven (and change7) maximum dollar limits days written notice before withdrawing or transferring funds from a Money Market Deposit Account. Refer to “Part II: Electronic Funds Transfer Disclosures, Limitations on Dollar Amount of Transfers” below, for withdrawal transactions from time additional limitations that may apply to time. Even if we honor a nonconforming request, we are not required to do so later. Cutoff Time. Online requests to transfer funds to or withdrawals from your Money Market Deposit Account must Account. Withdrawals from a time account prior to maturity or prior to any notice period may be received by us by 2:00 PM PT on restricted and may be subject to a Business Day to be initiated on that Business Daypenalty. Online transfer requests received by us after 2:00 PM PT or on a day that is not a Business Day generally will be initiated on the next Business DaySee your Truth in Savings Disclosure for early withdrawal penalties.

Withdrawals and Transfers. Available Balance. You may withdraw or authorize electronic funds transfers to or from your Accounts. Transfers from your Accounts may be made to your other Accounts with us or to External Accounts at other banks that you have linked to your ableBanking Service. Subject to the restrictions set forth in this Agreement, any Account owner, acting alone, has authority to withdraw or transfer all or any part of the Available Balance in your Deposit Account balance at any time, provided that the withdrawal will not cause you to exceed the Spending Limit(s) and any other limitations in this . This Agreement or imposes limits you set on the number of certain types of withdrawals and transfers you can make each month from a Money Market Deposit Account. You can make no more than a combined total of six (6) transactions to another account of yours or to a third party each monthly statement cycle from among the following:  Preauthorized or automatic transfers from your Account (including transfers for overdraft protection or between your Accounts).  Telephone transfers from your Account. Telephone transfers include instructions to transfer funds sent to us by facsimile or other electronic transmission, but do not include requests you make by telephone for us to mail a check payable to you.  Online withdrawal transfers from your Account.  Paper checks are not permitted on accounts opened on or after 04/01/2013. Use of paper checks ordered from another source will be returned. Transfers from your Money Market Deposit Account by using the App. We determine your Available Balance by taking your previous day balance, plus any pending credit transactions (excluding pending returns), such as ACH direct deposits, and subtracting (a) pending charges such as, electronic payments, according to the Processing Order (defined in Section IV.B.9 below) (b) amount of deposits that are not yet available for withdrawal under our Funds Availability Policy, and (c) any holds on your balance, such as holds on funds to comply with court orders or other legal requirements, or as authorized by the Security Agreement. We reserve the right to use a different method in certain states if required by law. We may permit Authorized Users to withdraw only the portion of the Available Balance which is designated to the Sub-Account(s) they are authorized to use. However, we are not required to do so unless required by applicable law. Withdrawal Rules. By initiating a withdrawal of funds from your Deposit Account, you authorize us to make the transaction you select. Withdrawals may be made in U.S. dollars by using the App to authorize a transfer of funds to a Linked an External Account, to make a P2P transfer to another KlaDot user, Account or to make a transfer to another type of account or payee we may permit from time to time. Withdrawals to a Linked External Account and P2P transfers are processed as ACH transactions. Please see the Electronic Fund Transfer Agreement for more information. We may subtract from your Deposit Account balance the amount of any withdrawal, P2P Transfer, or other debit transaction that you, or any Authorized User, or person you or an Authorized User third parties by pre-authorized, initiated automatic or approved. We may require you or any person you authorize telephone transfer are limited to provide us with identification, documentation or information that is acceptable to us before allowing the transaction. You may not make any withdrawal in an amount that exceeds the applicable Available Balance. We may refuse to permit Authorized Users to make any withdrawal in an amount that exceeds the Available Balance applicable to the Deposit Account they are authorized to use$25,000.00 per day. We may refuse any withdrawal or transfer request that you attempt by any method on forms not approved by us, or that we do not specifically permit for your Deposit Accountpermit, or that does not include all information we require, or that which is greater in number than the frequency permitted, or which is for an amount greater or less than any withdrawal limitations. There is a fee for excessive transactions (see Fee Schedule) and repeated violations could result in your Account being closed. We will use count a withdrawal transaction on the date the transaction is completed by us (as opposed to the date you initiate it) to apply we debit it from your Account, when applying the frequency limitations. In additionThis date may be different from the date you authorize, transfer, or write the transaction, which means a transaction made during one statement cycle may not be counted until a later statement cycle. If we are presented with an item drawn against your Account that would be a “substitute check,” as defined by law, but for an error or defect in the item introduced in the substitute check creation process, you agree that we may pay such item. As provided by federal law, we may place limitations on your Deposit Account until your identity is verified. We reserve the right to establish require you to provide us with seven (and change7) maximum dollar limits days written notice before withdrawing or transferring funds from a Money Market Deposit Account. Refer to “Part II: Electronic Funds Transfer Disclosures, Limitations on Dollar Amount of Transfers” below, for withdrawal transactions from time additional limitations that may apply to time. Even if we honor a nonconforming request, we are not required to do so later. Cutoff Time. Online requests to transfer funds to or withdrawals from your Money Market Deposit Account must Account. Withdrawals from a time account prior to maturity or prior to any notice period may be received by us by 2:00 PM PT on restricted and may be subject to a Business Day to be initiated on that Business Daypenalty. Online transfer requests received by us after 2:00 PM PT or on a day that is not a Business Day generally will be initiated on the next Business DaySee your Truth in Savings Disclosure for early withdrawal penalties.