Common use of Online Banking Clause in Contracts

Online Banking. If we approve Online Banking for your accounts, an initial Personal Identification Number (PIN) will be assigned to you. You are responsible for changing your PIN and using it along with your account number to access your accounts. Your accounts can be accessed using Online Banking via personal computer, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online Banking. At the present time, you may use Online Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  Transfer funds from your Savings, Checking, Overdraft Loan, Money Market, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may impose a service fee as set forth in the Credit Union’s Schedule of Fees.

Online Banking. If we approve Online Banking for your accounts, an initial Personal Identification Number (PIN) will be assigned to you. You are responsible for changing your PIN and using it along with your account number to access your accounts. Your accounts can be accessed using Online Banking via personal computer, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online Banking. At the present time, you may use Online Banking to:  ❖ Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  ❖ Transfer funds from your Savings, Checking, Overdraft Loan, Money Market, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  ❖ Obtain balance and transaction information for your deposit, loan and certificate accounts.  ❖ Make loan payments from your Savings, Checking, and Money Market accounts.  ❖ Determine if a particular item has cleared.  ❖ Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  ❖ See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may impose a service fee as set forth in the Credit Union’s Schedule of Fees.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), an initial Personal Identification Number (PIN) you will be assigned required to you. You are responsible for changing your PIN and using it along with your account number use secure login information to access the account(s). At the present time, you may use Online Banking to: - Withdraw funds from your savings, checking, money market, and special savings accounts. - Transfer funds from your savings, checking, money market, and special savings accounts. - Obtain balance information for your savings, checking, loan, XXX, money market, certificate, and special savings accounts. - Make loan payments from your savings, checking, money market, and special savings accounts. - Access your Visa Credit Card, Home Equity Line of Credit (HELOC), and MoneyLine (Overdraft Line of Credit) accounts. - Determine if a particular item has cleared. - Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. - Make xxxx payments to preauthorized creditors. - View account transactions. Your accounts can be accessed using under Online Banking via personal computer, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online BankingThis service may be interrupted for a short time each day for data processing. At the present time, you may use Online Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  Transfer funds from your Savings, Checking, Overdraft Loan, Money Market, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union 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 Credit Union service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may impose be limits on the duration of each access. For security, users who have not logged on after a service fee as set forth three (3) month period will have their account disabled. Registration may be required. The following limitations on Online 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 day, and no transfer or withdrawal may exceed the Credit Union’s Schedule of Feesavailable funds in your account. - See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If To access your accounts through Online Banking, you must have an account and an online password. Sending electronic mail (E-mail) is a way to communicate with the credit union. E-mail is provided for you to ask questions about your account(s) and provide general feedback. E-mail is accessible after you sign on with your password to a session of Online Banking. To ensure the security of your account information, we approve recommend that you use E-mail when asking specific questions about your account(s). You cannot use E-mail to initiate transactions on your account(s). For banking transactions, please use the appropriate functions within or call us toll-free at (000)000-0000. With Online Banking, you can manage your personal or small business accounts from your home or office on your personal computer. You can use Online Banking for to: view account balances and review transaction history, transfer money between accounts (as noted in the applicable Membership and Account Agreement and Disclosures), pay bills to any merchant, institution or individual, communicate directly with COMMUNITY 1ST CREDIT UNION through E- mail. You will be given an Online Password that will give you access to your accounts. This password can be changed within Online Banking using the settings options. We recommend that you change your password regularly. COMMUNITY 1ST CREDIT UNION will act on instructions received under your password. For security purposes, an initial Personal Identification Number (PIN) will be assigned to youit is recommended that you memorize this online password and do not write it down. You are responsible for changing keeping your PIN password, account numbers and using it along with other account data confidential. Although there are no fees for accessing your accounts through Online Banking, you may be asked to designate a payment account number for selected Services such as BillPayer. You agree to pay promptly all fees and charges for Services provided under this Agreement, and authorize us to charge the account that you have designated as the payment account or any other account for the fees. If you close the payment account, you must notify and identify a new payment account for the selected Services. Additionally, if you close all accounts, you must notify COMMUNITY 1ST CREDIT UNION to cancel the Services. Your online access may be canceled at any time without prior notice due to insufficient funds in one of your accounts. Your After cancellation, Services may be reinstated, once sufficient funds are available in your accounts can be accessed using to cover any fees and other pending transfers or debits. In order to reinstate your Services, you must call COMMUNITY 1ST CREDIT UNION at (000)000-0000. If you do not access your accounts through Online Banking via personal computerfor any thirteen (13) month period, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online Banking. At the present time, you may use Online Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  Transfer funds from your Savings, Checking, Overdraft Loan, Money Market, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union COMMUNITY 1ST CREDIT UNION reserves 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 accountdisconnect your Services without notice. All checks are payable to you as a primary member and Please note that your BillPayer information will be mailed lost if you are disconnected. You agree to be responsible for any telephone charges incurred by accessing your address accounts through Online Banking. If you wish to cancel any of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on Services offered through COMMUNITY 1ST CREDIT UNION, please contact the amount of any transactionMember Relations Center at (000)000-0000 or send cancellation instructions in writing to: COMMUNITY 1ST CREDIT UNION, and you will be notified of those limits. The Credit Union may impose a service fee as set forth in the Credit Union’s Schedule of Fees0000 Xxxxxxxxxx Xxx., Ottumwa, IA 52501.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), an initial Personal Identification Number (PIN) you will be assigned required to you. You are responsible for changing your PIN and using it along with your account number use secure login information to access the account(s). At the present time, you may use Online Banking to: - Withdraw funds from your share, share draft, money market, and Reserve Savings, and LOC accounts. - Transfer funds from your share, share draft, money market, and Reserve Savings, and LOC accounts. - Obtain balance information for your share, share draft, loan, XXX, money market, certificate, and Holiday Savings, Reserve Savings, and LOC accounts. - Make loan payments from your share, share draft, money market, and Reserve Savings, and LOC accounts. - Access your LOC and HELOC accounts. - Determine if a particular item has cleared. - Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. - Verify the last date and amount of your payroll deposit. - Make xxxx payments to preauthorized creditors. - Transfer to external accounts. - Link to view credit card and mortgage information. Your accounts can be accessed using under Online Banking via personal computer, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online BankingThis service may be interrupted for a short time each day for data processing. At the present time, you may use Online Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  Transfer funds from your Savings, Checking, Overdraft Loan, Money Market, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union 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 Credit Union service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may impose a service fee as set forth be limits on the duration of each access. The following limitations on Online Banking transactions may apply: - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in the Credit Union’s Schedule of Feesany one (1) day. - See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), an initial Personal Identification Number (PIN) you will be assigned required to you. You are responsible for changing your PIN and using it along with your account number use secure login information to access the account(s). At the present time, you may use Online Banking to: - Withdraw funds from your Primary Share, All Purpose Share, share draft, loan, money market, and Vacation Club accounts. - Transfer funds from your Primary Share, All Purpose Share, share draft, money market, and Vacation Club accounts. - Obtain balance information for your Primary Share, All Purpose Share, share draft, loan, XXX, money market, club, and certificate accounts. - Make loan payments from your Primary Share, All Purpose Share, share draft, loan, money market, and Vacation Club accounts. - Access your Line of Credit accounts. - Determine if a particular item has cleared. - Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. - Verify the last date and amount of your payroll deposit. - Make xxxx payments to preauthorized creditors. - View e-statements. - Reorder share drafts. Your accounts can be accessed using under Online Banking via personal computer, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online BankingThis service may be interrupted for a short time each day for data processing. At the present time, you may use Online Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  Transfer funds from your Savings, Checking, Overdraft Loan, Money Market, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union 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 Credit Union service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may impose a service fee as set forth be limits on the duration of each access. The following limitations on Online Banking transactions may apply: - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in the Credit Union’s Schedule of Feesany one (1) day. - See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), an initial Personal Identification Number (PIN) you will be assigned required to you. You are responsible for changing your PIN and using it along with your account number use secure login information to access the account(s). At the present time, you may use Online Banking to: - Withdraw funds from your share, share draft, and money market accounts. - Transfer funds from your share, share draft, loan, money market, Home Equity Line of Credit, and Personal Service Loan accounts. - Obtain balance information for your share, share draft, money market, club, certificate, and credit card accounts. - Make loan payments from your share, share draft, and money market accounts. - Access your Home Equity Line of Credit and Personal Service Line of Credit accounts. - Determine if a particular item has cleared. - Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. - Verify the last date and amount of your payroll deposit. - Make xxxx payments to preauthorized creditors. - Make account to account external transfers. Your accounts can be accessed using under Online Banking via personal computer, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online BankingThis service may be interrupted for a short time each day for data processing. At the present time, you may use Online Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  Transfer funds from your Savings, Checking, Overdraft Loan, Money Market, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union 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 Credit Union service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may impose a service fee as set forth be limits on the duration of each access. The following limitations on Online Banking transactions may apply: - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in the Credit Union’s Schedule of Feesany one (1) day. - See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If we approve Online Banking for your accounts, an initial Personal Identification Number (PIN) will be assigned to you. You are responsible for changing your PIN and using it along with your account number to access your accounts. Your accounts can be accessed using Online Banking via personal computer, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online Banking. At the present time, you may use Online Banking to:  Withdraw funds from your Savingssavings, Checkingchecking, Overdraft Loan, Home Equity Loanhome equity loan, and Money Market accounts by requesting a check.  Transfer funds from your Savingssavings, Checking, Overdraft Loanchecking, Money Market, and Home Equity Loan home equity loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your depositsavings, loan checking, Money Market, home equity loan, Club, and certificate accounts.  Make loan payments from your Savingssavings, Checkingchecking, and Money Market accounts.  Access your Home Equity loan.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit savings and certificate checking accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may impose a service fee as set forth in the Credit Union’s Schedule of Fees.

Online Banking. If we approve Online Banking for your accounts, an initial Personal Identification Number (PIN) will be assigned to you. You are responsible for changing your PIN and using it along with your account number to access your accounts. Your accounts can be accessed using Online Banking via personal computer, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online Banking. At the present time, you may use Online Banking to:  ❖ Withdraw funds from your Savingssavings, Checkingchecking, Overdraft Loan, Home Equity Loanhome equity loan, and Money Market accounts by requesting a check.  ❖ Transfer funds from your Savingssavings, Checking, Overdraft Loanchecking, Money Market, and Home Equity Loan home equity loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  ❖ Obtain balance and transaction information for your depositsavings, loan checking, Money Market, home equity loan, Club, and certificate accounts.  ❖ Make loan payments from your Savingssavings, Checkingchecking, and Money Market accounts.  ❖ Access your Home Equity loan. ❖ Determine if a particular item has cleared.  ❖ Obtain tax information on amounts earned on deposit savings and certificate checking accounts or interest paid on loan accounts.  ❖ See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may impose a service fee as set forth in the Credit Union’s Schedule of Fees.

Online Banking. If we approve Online Banking for your accounts, an initial Personal Identification Number a separate personal identification number (PIN) will be assigned to you. You are responsible for changing must use your PIN and using it along with your account number to access your accounts. At the present time, you may use Online Banking to: • Withdraw funds from your share and share draft accounts. • Transfer funds from your share and share draft accounts. • Obtain balance information for your share, share draft, loan, IRA, money market accounts, club, and share certificate accounts. • Make loan payments from your share and share draft accounts. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. • Verify the last date and amount of your payroll deposit. • Make bill payments to preauthorized creditors. • Request stop payments on checks or drafts. • View and download e-statements. • Obtain current savings and loan rates. Your accounts can be accessed using under Online Banking via personal computer, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online BankingThis service may be interrupted for a short time each day for data processing. At the present time, you may use Online Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  Transfer funds from your Savings, Checking, Overdraft Loan, Money Market, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union We may set 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. There The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The Credit Union following limitations on Online Banking transactions may set other limits on apply: • There is no limit to the number of inquiries, transfers, or withdrawal request you make in any one (1) day. • The maximum withdrawal or transfer amount of any transactionis $9,999.99 per day, and you will be notified of those limitsno transfer or withdrawal may exceed the available funds in your account. The Credit Union • See Transfer Limitations section for transfer limitations that may impose a service fee as set forth in the Credit Union’s Schedule of Feesapply for these transactions.

Online Banking. If we approve Online Banking for your accounts, an initial Personal Identification Number a separate personal identification number (PIN) will be assigned to you. You are responsible for changing must use your PIN and using it personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Online Banking to: - Transfer funds from your savings, checking, XXX, money market, club, and Spread-the-Check accounts. - Transfer funds from your savings, checking, money market, club, and Spread-the-Check accounts to another member's account or another account at another financial institution. - Obtain balance information for your savings, checking, XXX, money market, club, and Spread-the-Check accounts. - Make loan payments from your savings, checking, XXX, money market, club, and Spread-the-Check accounts. - Determine if a particular item has cleared. - Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. - Obtain loan history. - Check withdrawals from savings, checking, money market, and Line of Credit accounts. - Transfer funds from another member number. - Request a stop payment on a check. - Request copies of statements or cancelled checks. Your accounts can be accessed using under Online Banking via personal computer, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online BankingThis service may be interrupted for a short time each day for data processing. At the present time, you may use Online Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  Transfer funds from your Savings, Checking, Overdraft Loan, Money Market, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union 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 Credit Union service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may impose a service fee as set forth be limits on the duration of each access. The following limitations on Online Banking transactions may apply: - There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in the Credit Union’s Schedule of Feesany one (1) day. - See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If we approve Online Banking for Functions To use the Service, you must have a business checking account. You may use the Service with your accountsEligible Accounts. Any signer, an initial Personal Identification Number (PIN) acting alone, will be assigned authorized to youaccess a linked account. Deposit and loan accounts may be linked for access purposes. An account that requires two signatures may be subject to certain limitations, in our sole discretion. Unless otherwise authorized by us, a personal account is not an Eligible Account and you may not transfer funds or initiate any other transaction from a personal account using the Service. Using your Codes and the Service you can utilize the following services: • Funds Transfers You may use the Service to perform funds transfers from one Eligible Account to another. You are responsible may transfer from an Eligible Account to make loan payments. You may initiate advances from Eligible Loans to Eligible Accounts if the Eligible Loan allows for changing such advances and there is availability on such loan. You may obtain historical information regarding Eligible Loans through this Service. While this Agreement does not impose a restriction on the number of transactions from Eligible Accounts or the amounts which may be transferred, certain limits and restrictions on the frequency of transfers may be applicable with respect to the particular types of accounts. Please refer to the disclosure documents you received at the time your PIN accounts were established for more information on limitations and using it along with restrictions applicable hereto. • Balance Inquiries You may check the current balance and other account information on all your Eligible Accounts. You may also order copies of checks, place stop payments on checks, download your account number information to access financial management software and upload data. • Customer Service You may communicate with us by using your accountscomputer to send and receive written messages electronically. Your accounts can be accessed Please refer to the "Contact Us" option to send us your comments, questions or concerns. • Bill Payment If you use our Bill Payment feature, you may initiate bill payments as described in applicable agreements between you and us. • Overdrafts When you schedule a funds transfer using Online Banking via personal computerthe Service, mobile device you authorize us to withdraw the necessary funds from your account with us. We deduct the amount of your funds transfer from your account on the date we process your instruction. Each instruction to us to withdraw or other approved access device(s)transfer from an account is an order to us to pay from that account at that time or on a later date, if any, indicated in the instruction. Online Banking will be available for We may charge payments against the account even though the charge creates an overdraft, or we may refuse to make payments if the charge creates an overdraft. If you overdraw your convenience 24 hours per day. By signing the Credit Union’s Membership Application account, you agree to immediately pay us the terms and conditions overdrawn amount, together with any applicable fees. If the account is maintained in connection with an overdraft credit plan, any overdraft will be made in accordance with the agreement or rules governing that account rather than this Agreement. New services may be introduced for the Service from time to time. We will notify you of this Membership Agreement and any User Agreement governing Online Bankingthe existence of these new services. At the present timeBy using these services when they become available, you may use Online Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts agree to be bound by requesting a check.  Transfer funds from your Savings, Checking, Overdraft Loan, Money Market, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the rules that will be made available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as concerning these services. GLOSSARY • Account means one or more deposit accounts maintained by you with us, identified on a primary member Service Information Sheet and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may impose a service fee as set forth used in the Credit Union’s Schedule of Feesconnection with one or more Services.

Online Banking. If we approve Online Banking for your accounts, an initial Personal Identification Number a separate personal identification number (PIN) will be assigned to you. You are responsible for changing must use your PIN and using it along with your account number to access your accounts. At the present time, you may use Online Banking to: • Withdraw funds from your share and share draft accounts. • Transfer funds from your share and share draft accounts. • Obtain balance information for your share, share draft, loan, IRA, money market accounts, club, and sharecertificate accounts. • Make loan payments from your share and share draft accounts. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. • Verify the last date and amount of your payroll deposit. • Make bill payments to preauthorized creditors. • Request stop payments on checks or drafts. • View and download e-statements. • Obtain current savings and loan rates. Your accounts can be accessed using under Online Banking via personal computer, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online BankingThis service may be interrupted for a short time each day for data processing. At the present time, you may use Online Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  Transfer funds from your Savings, Checking, Overdraft Loan, Money Market, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union We may set 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. There The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The Credit Union following limitations on Online Banking transactions may set other limits on apply: • There is no limit to the number of inquiries, transfers, or withdrawal request you make in any one (1) day. • The maximum withdrawal or transfer amount of any transactionis $9,999.99 per day, and you will be notified of those limitsno transfer or withdrawal may exceed the available funds in your account. The Credit Union • See Transfer Limitations section for transfer limitations that may impose a service fee as set forth in the Credit Union’s Schedule of Feesapply for thesetransactions.

Online Banking. If we approve Online Banking for your accounts, an initial Personal Identification Number (PIN) a separate password will be assigned to you. You are responsible for changing must use your PIN User ID and using it along with your account number password to access your accounts. At the present time, you may use Online Banking to: - Obtain account/loan balance information - View and print account/loan history - View cleared checks and obtain electronic check images - Transfer funds from your savings and checking accounts - Withdraw funds from your savings and checking accounts by official/teller check - Make loan and Visa Credit Card payments from your savings and checking accounts - Obtain YTD account dividends and interest paid on loans - Access electronic statements - Place a stop payment on a check - Assign account nicknames - Setup e-Lerts to receive an email for certain types of activity on your account - Pay bills - Apply for most types of loans and verify the status - Update your login security credentials for Multi Factor Authentication - Change your passwords for Online Banking and VoiceTouch24 - Update your contact information including your email address - Send secured email to LaunchFCU - Access Finance Works - Make account to account transfers to another financial institution – access through BillPayer - Pay Other People (POP) to send person to person payments - access through BillPayer Your accounts can be accessed using under Online Banking via a personal computer, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online BankingThis service may be interrupted for a short time each day for data processing. At the present time, you may use Online Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  Transfer funds from your Savings, Checking, Overdraft Loan, Money Market, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union 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 Credit Union service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may impose be limits on the duration of each access. The following limitations on Online 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. - There is a service fee as set forth in maximum withdrawal amount, please contact the Credit Union’s Schedule of Feescredit union for limitations that apply. - See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If we approve Online Banking is activated for your accountsaccount(s), an initial Personal Identification Number (PIN) you will be assigned required to you. You are responsible for changing your PIN and using it along with your account number use secure login information to access the account(s). At the present time, you may use Online Banking to: - Set up payments, add/change/delete payees, see past payments; see, change or cancel future payments. - Review recent transactions. - Borrow from your line of credit, if available, with funds transferred to share or share draft accounts. - Transfer funds between share and share draft accounts. - See a Summary of your accounts. - Make transfer payments to Line of Credit, Credit Card, Personal Loan, Auto Loan and Mortgage Loans with the Union with funds transferred from share or share draft accounts. - Get account information and/or statement update for share, share draft, certificate or borrowing accounts. - Access information about the Credit Union, our products and services and other items of general interest. - Receive and send electronic messages to the Credit Union. - View electronic statements. - Set up, change or delete overdraft transfers. - Place Stop Payment Orders on Drafts. - Make deposits to your accounts (if eligible). Your accounts can be accessed using under Online Banking via personal computer, mobile device or other approved access device(s). Online Banking will be available for your convenience 24 hours per day. By signing the Credit Union’s Membership Application you agree to the terms and conditions of this Membership Agreement and any User Agreement governing Online BankingThis service may be interrupted for a short time each day for data processing. At the present time, you may use Online Banking to:  Withdraw funds from your Savings, Checking, Overdraft Loan, Home Equity Loan, and Money Market accounts by requesting a check.  Transfer funds from your Savings, Checking, Overdraft Loan, Money Market, and Home Equity Loan accounts. The maximum withdrawal or transfer amount is $5,000.00 per transaction, and no transfer or withdrawal may exceed the available funds in your account.  Obtain balance and transaction information for your deposit, loan and certificate accounts.  Make loan payments from your Savings, Checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on deposit and certificate accounts or interest paid on loan accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves 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. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. There may be limits on the duration of each access. The Credit Union 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 Credit Union service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may impose a service fee as set forth be limits on the duration of each access. The following limitations on Online Banking transactions may apply: - There is no limit to the number of inquiries or transfers you may make in any one (1) day. - Transfer or withdrawal amounts may not exceed the Credit Union’s Schedule of Feesavailable funds in your accounts. External transfer limits may apply in accordance with the Online Banking Agreement. - See Section 2 for transfer limitations that may apply to these transactions.