Common use of Online Banking Services Clause in Contracts

Online Banking Services. Upon approval, you the primary member may use your personal computer to access your accounts. You must use your member number along with a security code to access your accounts. If you share your member number along with your security code with another individual including a joint account holder the credit union is not responsible for any transactions made on your behalf. If you fail to maintain or change the security of these access codes and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately. You may not use your account services for illegal or unlawful transactions, and the Credit Union reserves the right to refuse to complete a transaction that the Credit Union believes poses an undue risk of illegality or unlawfulness. The Online Banking service is accessible seven (7) days a week, 24 hours a day. However, from time to time, some or all of the Credit Union’s Online Banking services may not be available due to system maintenance. You will need a personal computer and a web browser. The online address for the Online Banking service is xxxxx://xxx. xxxxxxxxxxx.xxx. You are responsible for the installation, maintenance and operation of your computer. The Credit Union will not be responsible for any errors or failures involving any telephone service or your computer. You may use the Online Banking service to: • Transfer funds between your Savings, Checking and Money Market accounts. • Transfer funds from your Checking and Savings account to a loan account. • Review account balance, and transaction history for Checking, Savings, Money Market, Certificate, and XXX accounts. • Review information on your loan account including payoff amounts, due dates, finance charges, interest rates, balance information and past statements of yours. • Make xxxx payments from your checking account using the Xxxx Pay service. • Request a withdrawal from any Savings, Checking, or loan account by check mailed to you. • Transfer funds from your share or share draft account to a loan account of yours or any other member’s account. • Other transactions as offered and permitted in the future. Transactions involving your deposit accounts will be subject to the terms of your Membership and Account Agreement and transactions involving a line of credit account will be subject to your Loan Agreement and Disclosure, as applicable. The following limitations on Online Banking transactions may apply:

Online Banking Services. Upon approval, you the primary member You may use your personal a computer to access your accounts. You must use your member number Username along with a security code your Password to access your accounts. If you share your member number along with your security code with another individual including a joint account holder the credit union is not responsible for any transactions made on your behalf. If you fail to maintain or change the security of these access codes and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately. You may not use your account services for illegal or unlawful transactions, and the Credit Union reserves the right to refuse to complete a transaction that the Credit Union believes poses an undue risk of illegality or unlawfulness. The Online Banking online banking service is accessible seven (7) days a week, 24 hours a day. However, from time to time, some or all of the Credit Union’s Online Banking online banking services may not be available due to necessary system maintenance. You will need a personal computer computer, an internet connection and a web browser. The browser (such as Netscape 7.2, Internet Explorer 6.X or higher) to access online address for the Online Banking service is xxxxx://xxx. xxxxxxxxxxx.xxxbanking. You are responsible for the installation, maintenance and operation of your computercomputer and modem. The Credit Union will not be responsible for any errors or failures involving any telephone service or your computer. You may use At the present time, Online Banking service toServices are defined as, and include: • Transfer funds within the same account between your Savings, Checking Checking, any Money Management and Money Market Loan & Credit Card accounts. • Transfer funds from Initiate cross account transfers between your Checking Savings, Checking, any Money Management and Savings Loan accounts. • Open a Certificate investment account – limited to a loan account. certain term certificates • Review account balance, and transaction history for Checking, Savings, Certificates, any Money Market, Certificate, Management and XXX Loan accounts. • Review information on Change your loan account including payoff amountsUsername, due dates, finance charges, interest rates, balance information and past statements of yoursPassword or electronic mail (Email) address. • Make Schedule your transfers: as immediate, recurring or future dated. • View or edit pending transfers, and view completed transfers. • Initiate One Time and Recurring xxxx payments payment transactions from your checking account using the Checking Account, or cancel pending Xxxx Pay servicetransactions. • Request View and print copies of cleared checks. • View and print periodic statements. • Withdraw from your share savings and have a withdrawal from any Savings, Checking, or loan account by check mailed to youyour address listed on your membership account record. • Download selected transactions and account information to personal financial management software. • Access your eDocuments which include your periodic account statements (eStatements); eNotices (examples include but are not limited to: certificate maturing, negative balance fee, courtesy pay fee, change in terms etc.); and year-end tax information and/or statements. • Set up and receive account reminders with CUAlerts. Available to receive through email or phone text. • There may be other features added from time to time at the discretion of Directions Credit Union. • Mobile Banking Smart Phone (must be a CUOnline user). You must use your personal identification number (PIN) along with your user name to access your accounts. At the present time, you may use Directions Credit Union Mobile Banking to: - Transfer funds from your share savings, checking, and Money Management accounts. - Obtain balance information for your savings, loan, Money Management, Club, certificate, and credit card accounts. - Make loan payments from your savings, checking, loan, Money Management, Club, and certificate accounts. - Access your Overdraft accounts. - Verify the last date and amount of your payroll deposit. - Your accounts can be accessed under Directions Credit Union Mobile Banking via mobile device or share draft other approved access device(s). Directions Credit Union 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 a loan account of yours or any other member’s increase our required reserve on the account. • Other transactions as offered We may set other limits on the amount of any transaction, and permitted in the future. Transactions involving your deposit accounts you will be subject 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 terms duration of your Membership and Account Agreement and transactions involving a line of credit account will be subject to your Loan Agreement and Disclosure, as applicableeach access. The following limitations on Online Directions Credit Union Mobile Banking transactions may apply:: - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. - The maximum withdrawal or transfer amount is $10,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account. When you elect to use COOnline banking you agree that you will receive paperless statements and that we may provide you with any Communications in electronic format, and that we will discontinue sending paper Communications to you, unless and until you withdraw your consent as described below.

Online Banking Services. Upon approval, you the primary member may use a computer or mobile device to access your personal computer accounts through online banking. You must use your Username along with your Password to access your accounts. You must use your member number along with a security code to access your accounts. If you share your member number along with your security code with another individual including a joint account holder the credit union is not responsible for any transactions made on your behalf. If you fail to maintain or change the security of these access codes and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately. You may not use your account services for illegal or unlawful transactions, and the Credit Union reserves the right to refuse to complete a transaction that the Credit Union believes poses an undue risk of illegality or unlawfulness. The Online Banking online banking service is accessible seven (7) days a week, 24 hours a day. However, from time to time, some or all of the Credit Union’s Online Banking online banking services may not be available due to system maintenancemaintenance or other reasons not caused by the Credit Union. You will need a personal computer or mobile device, an internet connection and a compatible web browser. browser (for a complete list of compatible browsers see XxxxxxxxxxXX.xxx.) The online address for the Online Banking online banking service is xxxxx://xxx. xxxxxxxxxxx.xxxXxxxxxxxxxXX.xxx or x.XxxxxxxxxxXX.xxx for mobile devices. You are responsible for the installation, maintenance and operation of your computer, mobile device and modem. The Credit Union will not be responsible for system unavailability or for any errors or failures involving any telephone service or service, your computer, or mobile device. You At the present time, you may use the Online Banking online banking service to: •  Transfer funds within the same account between your Savings, Checking and Checking, any Money Market and Loan accounts, including making principal-only loan payments. • Transfer funds from  Initiate cross account transfers between your Checking Savings, Checking, any Money Market and Savings account to a Loan accounts, including making principal-only loan accountpayments. •  Review account balance, and transaction history for Checking, Savings, Certificates, any Money MarketMarket and Loan accounts.  Change your Username, CertificatePassword or electronic mail (Email) address.  Schedule your transfers: as immediate, recurring or future dated.  View or edit pending transfers, and XXX accountsview completed transfers. • Review information on  Initiate One Time and Recurring xxxx payment transactions from your loan account including payoff amountsChecking Account, due dates, finance charges, interest rates, balance information or cancel pending Xxxx Pay transactions.  Make stop payment or address change requests and past statements of yoursother transactions permitted by the Credit Union. • Make xxxx payments from  Assign a nickname to your accounts to make them easier for you to recognize within online banking.  View pending Elevations Debit Card authorizations prior to them posting to your checking account  View copies of cleared checks.  Access your eDocuments which include your periodic account statements (eStatements); eNotices (examples include but are not limited to: certificate maturing, negative balance fee, courtesy pay fee, Credit Card over limit, late payment fee, change in terms etc.); and year- end tax statements.  Access your monthly Visa Credit Card and FlexLine Plus billing statements.  Receive account Alerts.  Communicate with the Credit Union using the Xxxx Pay service. • Request a withdrawal from any Savings, Checking, Email feature on our website at XxxxxxxxxxXX.xxx or loan account by check mailed to you. • Transfer funds from your share or share draft account to a loan account of yours or any other member’s account. • Other transactions as offered and permitted through the Secure Message Center on the “Contact Us” menu in the futureonline banking. Transactions involving your deposit accounts will be subject to the terms of your Membership and Account Agreement and transactions involving a line of credit loan account will be subject to your Loan Agreement and DisclosureDisclosures, as applicable. The following limitations on Online Banking transactions may apply:.

Online Banking Services. Upon approvalIf we approve your application for this Service, you the primary member may use your personal a computer to access your accountsAccounts. You must use your member number along with Access to the Service requires a security code to access your accountsUser ID and User Password. If you share your member number along with your security code with another individual including a joint account holder the credit union Access will be locked out after three (3) failed attempts. This Service is not responsible for any transactions made on your behalf. If you fail to maintain or change the security of these access codes and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately. You may not use your account services for illegal or unlawful transactions, and the Credit Union reserves the right to refuse to complete a transaction that the Credit Union believes poses an undue risk of illegality or unlawfulness. The Online Banking service is normally accessible seven (7) days a week, 24 hours a day. However, from time to time, some or all of the Credit Union’s Online Banking services may not be available due to system maintenance. You will need a personal computer and a web browser. The online address for access to the Online Banking service is xxxxx://xxx. xxxxxxxxxxx.xxxInternet. You are responsible for the installation, maintenance and operation of your computer. The Credit Union will not be responsible for any errors or failures involving any telephone service or your computer. You At the present time, you may use the Online Banking service this Service to: • Change your User Passwords • Change your address • Transfer funds between your Savings, Checking and Money Market accounts. Credit Union Online Banking accessible accounts • Transfer funds from your Checking and Savings account to a loan account. Accounts with the same ownership that you have authorized as allowed by Account type • Review account Account balance, and transaction history (including direct deposits made to your deposit accounts) and tax information for Checking, Savings, Money Market, Certificate, any of your Accounts • Schedule transfers from and XXX accounts. request notifications of activity on your Credit Union Online Banking accessible accounts • Review information on your loan account including payoff amounts, payment due dates, finance charges, interest rates, charges and balance information • Review your Account statements • Pay bills to merchants, institutions or individuals with a U.S. address • Deposit checks to certain types of accounts using a mobile device • Check account balance and past statements of yours. • Make xxxx payments from your checking account transfer funds between Credit Union accounts using the Xxxx Pay service. • Request a withdrawal from any Savings, Checking, or loan account by check mailed to you. • Transfer funds from your share or share draft account to a loan account of yours or any other member’s account. • Other transactions as offered and permitted in the future. Transactions involving your deposit accounts mobile device RELATION TO OTHER AGREEMENTS You will be subject to the terms of your our Membership and Account Agreement or Business Membership and Account Agreement (for business members) for transactions involving your deposit Accounts and any applicable loan agreement for transactions involving a line of credit, credit account card or loan with the Credit Union. ONLINE BANKING AGREEMENT CONSENT By checking “I Agree” and clicking “Accept,” you agree to the terms and conditions of this Agreement. As such, please read this Agreement carefully. By requesting and using any of the Services, you agree to comply with the terms and conditions of this Agreement. We recommend printing or saving a copy of this Agreement for future reference. We will be subject send a printed copy of the Agreement to you at your Loan Agreement request. CONSENT TO RECEIVE ELECTRONIC NOTICES, DISCLOSURES AND OTHER RECORDS By using the Service, you consent to and Disclosure, as applicable. The following limitations on Online Banking transactions may applyagree that:

Online Banking Services. Upon approval, you the primary member You may use your personal a computer to access your accounts. You must use your member number Username along with a security code your Password to access your accounts. If you share your member number along with your security code with another individual including a joint account holder the credit union is not responsible for any transactions made on your behalf. If you fail to maintain or change the security of these access codes and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately. You may not use your account services for illegal or unlawful transactions, and the Credit Union reserves the right to refuse to complete a transaction that the Credit Union believes poses an undue risk of illegality or unlawfulness. The Online Banking online banking service is accessible seven (7) days a week, 24 hours a day. However, from time to time, some or all of the Credit Union’s Online Banking online banking services may not be available due to necessary system maintenance. You will need a personal computer computer, an internet connection and a web browser. The browser (such as Netscape 7.2, Internet Explorer 6.X or higher) to access online address for the Online Banking service is xxxxx://xxx. xxxxxxxxxxx.xxxbanking. You are responsible for the installation, maintenance and operation of your computercomputer and modem. The Credit Union will not be responsible for any errors or failures involving any telephone service or your computer. You may use At the present time, Online Banking service toServices are defined as, and include: • Transfer funds within the same account between your Savings, Checking Checking, any Money Management and Money Market Loan & Credit Card accounts. • Transfer funds from Initiate cross account transfers between your Checking Savings, Checking, any Money Management and Savings Loan accounts. • Open a Certificate investment account – limited to a loan account. certain term certificates • Review account balance, and transaction history for Checking, Savings, Certificates, any Money Market, Certificate, Management and XXX Loan accounts. • Review information on Change your loan account including payoff amountsUsername, due dates, finance charges, interest rates, balance information and past statements of yoursPassword or electronic mail (Email) address. • Make Schedule your transfers: as immediate, recurring or future dated. • View or edit pending transfers, and view completed transfers. • Initiate One Time and Recurring xxxx payments payment transactions from your checking account using the Checking Account, or cancel pending Xxxx Pay servicetransactions. • Request View and print copies of cleared checks. • View and print periodic statements. • Withdraw from your share savings and have a withdrawal from any Savings, Checking, or loan account by check mailed to youyour address listed on your membership account record. • Download selected transactions and account information to personal financial management software. • Access your eDocuments which include your periodic account statements (eStatements); eNotices (examples include but are not limited to: certificate maturing, negative balance fee, courtesy pay fee, change in terms etc.); and year-end tax information and/or statements. • Set up and receive account reminders with CUAlerts. Available to receive through email or phone text. • There may be other features added from time to time at the discretion of Directions Credit Union. • Mobile Banking Smart Phone (must be a CUOnline user). You must use your personal identification number (PIN) along with your user name to access your accounts. At the present time, you may use Directions Credit Union Mobile Banking to: - Transfer funds from your share savings, checking, and Money Management accounts. - Obtain balance information for your savings, loan, Money Management, Club, certificate, and credit card accounts. - Make loan payments from your savings, checking, loan, Money Management, Club, and certificate accounts. - Access your Overdraft accounts. - Verify the last date and amount of your payroll deposit - Your accounts can be accessed under Directions Credit Union Mobile Banking via mobile device or share draft other approved access device(s). Directions Credit Union 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 a loan account of yours or any other member’s increase our required reserve on the account. • Other transactions as offered We may set other limits on the amount of any transaction, and permitted in the future. Transactions involving your deposit accounts you will be subject 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 terms duration of your Membership and Account Agreement and transactions involving a line of credit account will be subject to your Loan Agreement and Disclosure, as applicableeach access. The following limitations on Online Directions Credit Union Mobile Banking transactions may apply:: - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. - The maximum withdrawal or transfer amount is $10,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account. When you elect to use COOnline banking you agree that you will receive paperless statements and that we may provide you with any Communications in electronic format, and that we will discontinue sending paper Communications to you, unless and until you withdraw your consent as described below.

Online Banking Services. Upon approvalIf we approve your application for this Service, you the primary member may use your personal a computer or other mobile device to access your accountsAccounts. You must use your member number along with Access to the Service requires a security code to access your accounts. If you share your member number along with your security code with another individual including a joint account holder the credit union is not responsible for any transactions made on your behalf. If you fail to maintain or change the security of these access codes Username and the Credit Union suffers a loss, we may terminate your electronic funds transfer and account services immediately. You may not use your account services for illegal or unlawful transactions, and the Credit Union reserves the right to refuse to complete a transaction that the Credit Union believes poses an undue risk of illegality or unlawfulness. The Online Banking service is accessible seven (7) days a week, 24 hours a day. However, from time to time, some or all of the Credit Union’s Online Banking services may not be available due to system maintenance. You will need a personal computer and a web browser. The online address for the Online Banking service is xxxxx://xxx. xxxxxxxxxxx.xxxPassword. You are responsible for the installation, maintenance maintenance, and operation of your computercomputer or mobile device. The Credit Union will not be responsible for any errors or failures involving any telephone service or your computercomputer or mobile device. You At the present time, you may use the Online Banking service this Service to: • View Account balances, history, transaction details, and paid checks. • Transfer funds between Accounts and make loan payments. • Obtain advances against your SavingsCredit Card, Checking Line of Credit, and Money Market accountsHome Equity Line of Credit. • Export your Account activity to Excel or Quicken/QuickBooks. • Obtain and customize reports that identify and track your spending. • Set up Alerts to notify you of new transactions and balance changes on your Accounts. • Receive your Credit Union and Credit Card statements online electronically with our eStatement Service (you must specifical- ly change your statement preferences to “Online Statements” and enroll in this service). • Open new share Accounts. • Apply for a vehicle loan, Credit Card, Mortgage Loan, or Home Equity Line of Credit. • Transfer funds to or from your Checking and Savings account to a loan accountAccounts at other financial institutions through our External Transfer Service (you must specifically enroll in this service). • Review account balancePay your bills with our Online Xxxx Pay Service to merchants, institutions, or individuals within the U.S. (you must specifically enroll in this service). • Update your Credit Union Account Profile Information, such as phone number, email address, and transaction history for Checking, Savings, Money Market, Certificatepostal address, and XXX accountschange your Online Banking Username and Password. • Review information on Block your loan account including payoff amountsdebit or credit card, due dates, finance charges, interest rates, balance information and past statements or notify us of yoursdates you will be traveling. • Make xxxx payments Deposit checks to certain types of Accounts using a mobile device. We may add or remove certain features and/or functionality available from your checking account time to time. You can use the Service seven (7) days a week, twenty-four (24) hours a day, although some or all features may not be available occasionally due to emergencies or sched- uled system maintenance. In addition, access to the Service may be slower at times due to high Internet traffic or other factors beyond our control. CONSENT TO RECEIVE ELECTRONIC NOTICES, DISCLOSURES AND OTHER RECORDS By using the Xxxx Pay serviceService, you consent to and agree that: • Any notice, disclosure, record or other type of information that is provided to you in connection with your Accounts or the Service, such as Account disclosures, change in terms notices, privacy disclosures, fee schedules, transaction notices and alerts, Account status notices, service messages, and any other type of notice (each referred to hereafter as a “Notice”), may be sent to you electronically, as allowed by applicable law. A Notice may be provided as a separate electronic document or may be included in an electronic Account statement. An electronic Notice sent to any Account owner shall be deemed sent to, and received by, all Account owners on the day we send it. We reserve the right to send a Notice in paper format by postal mail. • Request We will not be obligated to provide any Notice to you in paper form unless you specifically request us to do so, as allowed by applicable law. You may request a withdrawal from any Savingspaper copy of a Notice by contacting us at the phone number listed under “How to Contact Us” below. You may be charged a fee for a paper copy of a Notice as set forth in your Consumer Membership & Account Agreement and/or applicable Fee Schedule. • Your consent to receive Notices electronically remains in effect until you withdraw your consent, Checkingclose your membership, or loan account discontinue or terminate Service with us. You may withdraw this consent to receive electronic delivery of Notices by check mailed contact- ing us at the address or phone number set forth below under the heading “How to youContact Us.” • In order to receive Notices electronically you must maintain computer hardware and software of sufficient capability to be able to access and retain them electronically. See “Hardware and Software Requirements” below. How to Contact Us: • Call us at 000.000.0000 or 206.298.9394. • Transfer funds from your share or share draft account Write to a loan account of yours or any other member’s accountus at Salal Credit Union, X.X. Xxx 00000, Xxxxxxx, XX 00000-0000. • Other transactions as offered and permitted in Use the futuresecure messaging feature within Online Banking. Transactions involving your deposit accounts will be SERVICE CONDITIONS Your use of the Service is subject to the terms following conditions: Hardware and Software Requirements Prior to enrolling in the Service and accepting the electronic version of this Agreement, you should verify that you have the required hardware and software necessary to access the Service and to retain a copy of this Agreement. In order to enroll in the Service: • Your Account(s) with us must be in good standing. • You must have a computer or mobile device with a supported Internet browser capable of HTTPS encrypted connections. • You will need Internet access through an Internet service provider (ISP). o For security purposes, we support the following browsers: • Internet Explorer – current and most recent version. • Edge – current and most recent version. • Chrome – current and most recent version. • Mozilla Firefox – current and most recent version. • Safari – current or most recent version. o Browser must support 128-bit encryption. • You will need access to a printer and/or other storage medium such as a hard drive for printing disclosures, eStatements, or downloading information. • You will also need an external email address for the delivery of electronic notices and disclosures. We may revise hardware and software requirements, and if there is a material chance that the changes may impact your Membership ability to access the Service, we will give you advance notice of these changes and provide you an opportunity to cancel the Service and/or change your method of receiving electronic disclosures (e.g. change to paper format vs. an electronic format) without the imposition of any fees. ENROLLMENT PROCESS You must complete the enrollment process to use the Service. You may complete the self-enrollment process, which involves completing a secure online application via the Internet. We will use the information provided to verify your identity. You will also choose your Username and Password during the enrollment process. You may also contact us at 000.000.0000 or 206.298.9394 and we can assist you with the enrollment process. User Authentication and Security Procedures We reserve the right to deny access to the Service or reject a transaction on an Account Agreement without notice to you if we believe that there is risk of unauthorized, illegal, or fraudulent activity. You agree that we may, at our sole discretion, require verification of user identity in a manner satisfactory to us, at any time before allowing access or logging into the Service, or before authorizing an online transaction from an Account. Such verification may be in any form we determine appropriate and transactions involving may include, without limitation: • Verification of Username and/or Password. • Verification of personal information contained in Credit Union records. • Correct response to previously submitted personal questions (sometimes referred to as “security” or “challenge” questions). • Correct response to questions devised from public records and consumer reporting agencies on subjects only the user likely would have personal knowledge (sometimes called “out of wallet” or “knowledge-based authentication” questions). • Verification of online activity by simultaneous contact through a line non-online channel (sometimes called “verify by phone” or “out of credit account will be subject band” authentication). • Any verification procedure that we may determine appropriate. In the event that you do not successfully provide the informa- tion requested, we may, at our sole discretion: o Refuse a transaction. o Require you to your Loan Agreement and Disclosure, as applicablecontact us by phone or in person at a branch for further validation of identity. The following limitations on Online Banking transactions may apply:o Cancel the Service. o Take any security precautions we deem appropriate to prevent unauthorized use of the Service or Account.