Common use of Mobile Banking Clause in Contracts

Mobile Banking. Mobile Banking allows you access to retrieve information about your Account(s) and perform certain financial transactions, as we make available to you from time to time, from your mobile phone device. There may be limits on the amount or number of transfer you may make at any one time or on any given day. Transfers from your savings and money market Accounts are subject to the limitations that are disclosed in this Agreement. Mobile Banking access for some account types, such as Individual Retirement Accounts, Certificate of Deposits, and Trust Accounts may be limited in availability or access to features. To participate in mobile banking, you will be required to agree to the terms and conditions set forth in the Mobile Banking Services Terms and Conditions (“Mobile Banking Agreement”). In the event of a conflict between the provisions of the Mobile Banking Agreement and this Agreement, the provisions of the Mobile Banking Agreement shall control. Visit xxx.xxxx.xxx for more information. BILL PAYMENT. The Bank may enable you access to the bill payments check feature (the "Bill Pay Checks") through the Mobile App or Website which allows you to authorize the Bank to make bill payments on your behalf to third parties. The Bank may limit access to this feature from time-to-time. To initiate a bill payment using the Bill Pay Checks, you must provide the name and mailing address of each individual or company you wish to pay. Once a payment is authorized, the payment amount may be immediately deducted from your Account balance or may not be deducted until the check is presented by the third party. Payments made using the Bill Pay service will be sent via a method established by the bank’s third-party provider, such as ACH (electronic transfer) or a paper check sent to the payee using standard U.S. Postal Service mail. Please allow three to nine (3-9) business days for delivery of the payments. Payments can only be sent to addresses located within the fifty (50) states of the U.S. Check payments are processed daily by 3:00 pm Central Time. Bill Pay payments initiated after this time will be processed the next business day. Bank reserves the right to refuse to process payments to any individual or company. If you enroll in the Bill Pay service, additional terms and conditions may apply which will be presented to you either at first enrollment or at the time of each individual payment request.

Mobile Banking. If we approve Mobile Banking allows for your accounts, your Logon ID and security code for Virtual Branch will be used to access Mobile Banking. At the present time, you may use Mobile Banking to:  Transfer funds from your savings, checking, and money market accounts.  Obtain balance information for your savings, money market, and certificate accounts.  Make loan payments from your savings, checking, and money market accounts.  Access your HELOC accounts.  Access your Line of Credit (LOC).  Determine if a particular item has cleared.  Verify the last date and amount of your payroll deposit.  Make bill payments to preauthorized creditors. Your accounts can be accessed under Mobile Banking via mobile device or other approved access device(s). Mobile Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to retrieve information about your Account(s) and perform certain financial transactionsrefuse any transaction which would draw upon insufficient funds, as we make available exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you from time as a primary member and will be mailed to timeyour address of record. We may set other limits on the amount of any transaction, from your mobile phone deviceand you will be notified of those limits. There We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the amount or duration of each access. The following limitations on Mobile Banking transactions may apply:  See “transfer limitations” that may apply to these transactions. Bill Pay. We will process bill payment transfer requests only to those creditors the Credit Union has designated in the User Instructions and such creditors as you authorize and for whom the Credit Union has the proper vendor code number. We will not process any bill payment transfer if the required transaction information is incomplete. We will withdraw the designated funds from your checking account for bill payment transfer by the designated cutoff time on the date you schedule for payment. We will process your bill payment transfer within a designated number of days before the date you schedule for payment. You must allow sufficient time for vendors to process your payment after they receive a transfer from us. Please leave as much time as though you were sending your payment by mail. We cannot guarantee the time that any payment will be credited to your account by the vendor. The following limitations on Bill Pay transactions may make at any one time or apply:  There is no limit on any given the number of bill payments per day. Transfers from your savings and money market Accounts are subject to the limitations that are disclosed in this Agreement. Mobile Banking access  Maximum amount for some account types, such as Individual Retirement Accounts, Certificate of Deposits, and Trust Accounts may be limited in availability or access to features. To participate in mobile banking, you will be required to agree to the terms and conditions set forth in the Mobile Banking Services Terms and Conditions (“Mobile Banking Agreement”). In the event of a conflict between the provisions of the Mobile Banking Agreement and this Agreement, the provisions of the Mobile Banking Agreement shall control. Visit xxx.xxxx.xxx for more information. BILL PAYMENT. The Bank may enable you access to the bill payments check feature (the "Bill Pay Checks") through the Mobile App or Website which allows you to authorize the Bank to make bill payments on your behalf to third parties. The Bank may limit access to this feature from time-to-time. To initiate a bill payment using the Bill Pay Checks, you must provide the name and mailing address of each individual or company you wish to pay. Once a payment transaction is authorized, the payment amount may be immediately deducted from your Account balance or may not be deducted until the check is presented by the third party. Payments made using the Bill Pay service will be sent via a method established by the bank’s third-party provider, such as ACH (electronic transfer) or a paper check sent to the payee using standard U.S. Postal Service mail. Please allow three to nine (3-9) business days for delivery of the payments. Payments can only be sent to addresses located within the fifty (50) states of the U.S. Check payments are processed daily by 3:00 pm Central Time. Bill Pay payments initiated after this time will be processed the next business $9,999.99 per day. Bank reserves the right to refuse to process payments to any individual or company. If you enroll in the Bill Pay service, additional terms and conditions may apply which will be presented to you either at first enrollment or at the time of each individual payment request.

Mobile Banking. If Mobile Banking is activated for your account(s), you will be required to use secure login information to access the account(s). This service is offered as a convenience and supplemental service included in our Online Banking services. It is not intended to replace access to Online Banking from your PC. Mobile Banking allows you access to retrieve information about your Account(s) Credit Union account information, make payments to payees, transfer funds and perform certain financial transactionsconduct other banking transactions using the same username and password utilized to access Online Banking. To utilize Mobile Banking services, as we make available to you from time to must be enrolled in Online Banking. At the present time, you may use Mobile Banking to: • Perform inquiries on accounts, • Transfer funds between your savings and checking accounts. • Transfer funds from your savings or checking accounts to make a loan payment. • Access your credit card account. • Access pre-qualified loan offers. • From your designated checking account, pay any designated merchant, institution or individual in accordance with this agreement a fixed recurring amount or a variable amount “on demand.” • Make deposits using Mobile Deposit; see separate Terms and Conditions for more details. • Make account to account transfers, see separate Terms and Conditions for more details. At the present time, for business accounts or other entity accounts you may use Mobile Banking to: • Perform inquiries on accounts. • Transfer funds between your savings and checking accounts. • Transfer funds from your business savings or checking accounts to your personal checking or savings accounts. • Make deposits using Mobile Deposit; see separate Terms and Conditions for more details • Make bill payments to preauthorized creditors Your accounts can be accessed under Mobile Banking via mobile phone device or other approved access device(s), using an application on that device. There Mobile Banking will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the amount or duration of each access. The following limitations on Mobile Banking transactions may apply: • There is no limit to the number of transfer inquiries, transfers, or withdrawal requests you may make at in any one time or on any given (1) day. Transfers from your savings and money market Accounts are subject to the • See Section 2 for transfer limitations that are disclosed in this Agreement. Mobile Banking access for some account types, such as Individual Retirement Accounts, Certificate of Deposits, and Trust Accounts may be limited in availability or access to features. To participate in mobile banking, you will be required to agree to the terms and conditions set forth in the Mobile Banking Services Terms and Conditions (“Mobile Banking Agreement”). In the event of a conflict between the provisions of the Mobile Banking Agreement and this Agreement, the provisions of the Mobile Banking Agreement shall control. Visit xxx.xxxx.xxx for more information. BILL PAYMENT. The Bank may enable you access to the bill payments check feature (the "Bill Pay Checks") through the Mobile App or Website which allows you to authorize the Bank to make bill payments on your behalf to third parties. The Bank may limit access to this feature from time-to-time. To initiate a bill payment using the Bill Pay Checks, you must provide the name and mailing address of each individual or company you wish to pay. Once a payment is authorized, the payment amount may be immediately deducted from your Account balance or may not be deducted until the check is presented by the third party. Payments made using the Bill Pay service will be sent via a method established by the bank’s third-party provider, such as ACH (electronic transfer) or a paper check sent to the payee using standard U.S. Postal Service mail. Please allow three to nine (3-9) business days for delivery of the payments. Payments can only be sent to addresses located within the fifty (50) states of the U.S. Check payments are processed daily by 3:00 pm Central Time. Bill Pay payments initiated after this time will be processed the next business day. Bank reserves the right to refuse to process payments to any individual or company. If you enroll in the Bill Pay service, additional terms and conditions may apply which will be presented to you either at first enrollment or at the time of each individual payment requestthese transactions.