Common use of Online Banking Clause in Contracts

Online Banking. If Online Banking is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use Online Banking to: - Transfer funds from your savings, checking, loan, money market, and club accounts. - Obtain balance information for your savings, checking, loan, money market, club, and certificate accounts. - Make loan payments from your savings, checking, loan, money market, and club accounts. - Access your Line of Credit accounts. - Determine if a particular item has cleared. - Verify the last date and amount of your payroll deposit. - Make M2M (Member to Member) transfers - Make external transfers (Account to Account) Your accounts can be accessed under Online Banking via personal computer. Online 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 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. - The maximum external (account to account)withdrawal or transfer amount is $2,000.00 ($500.00 for new members) per day, $4,000.00 ($1,000.00 for new members) per month. See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If Online Banking is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use Online Banking to: - Transfer funds from your savings, checking, loan, money marketMoney Market, and club secondary savings accounts. - Obtain balance information for your savings, checking, loan, money marketMoney Market, clubcertificate, and certificate secondary savings accounts. - Make loan payments from your savings, checking, loan, money marketMoney Market, and club secondary savings accounts. - Access your Line of Kwik Cash and/or Home Equity Line-of-Credit accounts. - Determine if a particular item has cleared. - Verify the last date and amount of your payroll deposit. - Make M2M Account to account (Member to MemberA2A) transfers - Make external transfers between your checking account at Verve, a Credit Union and another financial institution account on which you are an authorized signer. This service (Account to Accountif offered) may have additional restrictions and separate disclosures. Your accounts can be accessed under Online Banking via personal computer. Online 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 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. - The maximum external (account to account)withdrawal or transfer amount is $2,000.00 ($500.00 for new members) per day, $4,000.00 ($1,000.00 for new members) per month. See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If Online Banking is activated for your account(s), you will be required to 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, and money market accounts. - Transfer funds from your savings, checking, loan, money market, and club certificate accounts. - Obtain balance information for your savings, checking, loan, IRA, money market, club, and certificate accounts. - Make loan payments from your savings, checking, loan, and money market, and club market accounts. - Access your 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. - Verify the last date and amount of your payroll deposit. - Make M2M (Member bill payments to Member) transfers - Make external transfers (Account to Account) preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online 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. All checks are payable to you as a primary member and will be mailed to your address of record. 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 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. - The maximum external (account to account)withdrawal or transfer amount is $2,000.00 ($500.00 for new members) per day, $4,000.00 ($1,000.00 for new members) per month. See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If we approve Online Banking is activated for your account(s)accounts, you a separate personal identification number (PIN) will be required assigned to you. You must use secure login information your personal identification number (PIN) along with your account number to access the account(s)your accounts. At the present time, you may use Online Banking to: - Withdraw funds from your savings, checking, loan, money market, and club accounts. - Transfer funds from your savings, checking, loan, money market, and club accounts. - Obtain balance information for your savings, checking, loan, XXX, money market, club, and certificate accounts. - Make loan payments from your savings, checking, loan, money market, and club accounts. - Access your Visa, Checking Line of Credit and Home Equity Line of Credit accounts. - Determine if a particular item has cleared. - Verify the last date and amount of your payroll deposit. - Make M2M (Member xxxx payments to Member) transfers - Make external transfers (Account to Account) preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online 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. All checks are payable to you as a primary member and will be mailed to your address of record. 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 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. - The maximum external (account to account)withdrawal or transfer amount is $2,000.00 ($500.00 for new members) per day, $4,000.00 ($1,000.00 for new members) per month. See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If Online Banking is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use Online Banking to: - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings, checking, loan, and money market, and club market accounts. - Obtain balance information for your savings, checking, loan, IRA, money market, club, and certificate accounts. - Make loan payments from your savings, checking, loan, money market, savings and club checking accounts. - Access your Home Equity 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. - Verify the last date and amount of your payroll deposit. - Make M2M (Member bill payments to Member) transfers - Make external transfers (Account to Account) preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online 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. All checks are payable to you as a primary member and will be mailed to your address of record. 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 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. - The maximum external (account to account)withdrawal or transfer amount is $2,000.00 ($500.00 for new members) per day, $4,000.00 ($1,000.00 for new members) per month. See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If Online Banking is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use Online Banking to: - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings, checking, loan, and money market, and club market accounts. - Obtain balance information for your savings, checking, loan, XXX, money market, club, and certificate accounts. - Make loan payments from your savings, checking, loan, money market, savings and club checking accounts. - Access your Home Equity 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. - Verify the last date and amount of your payroll deposit. - Make M2M (Member xxxx payments to Member) transfers - Make external transfers (Account to Account) preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online 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. All checks are payable to you as a primary member and will be mailed to your address of record. 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 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. - The maximum external (account to account)withdrawal or transfer amount is $2,000.00 ($500.00 for new members) per day, $4,000.00 ($1,000.00 for new members) per month. See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If Online Banking is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use Online Banking to: - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings, checking, loan, money market, savings and club checking accounts. - Obtain balance information for your savings, checking, loan, money marketIRA, club, and certificate accounts. - Make loan payments from your savings, checking, loan, money market, savings and club checking accounts. - Access your Personal Line of Credit and Home Equity 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. - Verify the last date and amount of your payroll deposit. - Make M2M (Member bill payments to Member) transfers preauthorized creditors. - Make external transfers (Account to Account) View check images. - ACH transactions. Your accounts can be accessed under Online Banking via personal computer. Online 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. All checks are payable to you as a primary member and will be mailed to your address of record. 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 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 inquiries you may make in any one (1) day. - The For transfers or withdrawal requests, you may request up to $25,000.00 in any one (1) day. - There is a $5,000.00 limit for incoming ACH transactions and a maximum external of ten (account to account)withdrawal or transfer amount is $2,000.00 ($500.00 for new members) per day, $4,000.00 ($1,000.00 for new members10) per month. - There is a $5,000.00 limit for outgoing ACH transactions and a maximum of ten (10) per month. - See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If Online Banking is activated for your account(s), you will be required to 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 club accounts. - Transfer funds from your savings, checking, loan, money market, and club accounts. - Obtain balance information for your savings, checking, loan, money market, club, and certificate accounts. - Make loan payments from your savings, checking, loan, money market, and club accounts. - Access your 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. - Verify the last date and amount of your payroll deposit. - Make M2M (Member xxxx payments to Member) transfers - Make external transfers (Account to Account) preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online 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. All checks are payable to you as a primary member and will be mailed to your address of record. 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 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. - The maximum external (account to account)withdrawal or transfer amount is $2,000.00 ($500.00 for new members) per day, $4,000.00 ($1,000.00 for new members) per month. See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If Online Banking is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use Online Banking to: - Transfer funds from your share savings, checking, loan, money marketHoliday Savings, and club Vacation Saving accounts. - Obtain balance information for your share savings, checking, loan, IRA, money market, clubcertificate, Holiday Savings, and certificate Vacation Saving accounts. - Make loan payments from your share savings, checking, loan, money marketHoliday Savings, and club accounts. - Access your Line of Credit Vacation Saving 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. - Verify the last date and amount of your payroll deposit. - Make M2M (Member bill payments to Member) transfers - Make external transfers (Account to Account) preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online 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 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. - The maximum external (account to account)withdrawal or transfer amount is $2,000.00 ($500.00 for new members) per day, $4,000.00 ($1,000.00 for new members) per month. See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If Online Banking is activated for your account(s), you will be required to use secure login information to access the account(s). At the present time, you may use Online Banking to: - Transfer funds from your savingsshare, checking, loan, money marketshare draft, and club money market accounts. - Obtain balance information for your savingsshare, checkingshare draft, loan, XXX, money market, club, and certificate accounts. - Make loan payments from your savingsshare, checking, loan, money marketshare draft, and club accounts. - Access your Line of Credit money market 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 M2M (Member xxxx payments to Member) transfers preauthorized creditors. - Make external transfers (Account to Account) Obtain transaction history. - View eStatements. - View FDLCU Credit Card information. Your accounts can be accessed under Online Banking via personal computer. Online 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 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. - The maximum external (account to account)withdrawal or transfer amount is $2,000.00 ($500.00 for new members) per day, $4,000.00 ($1,000.00 for new members) per month. See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If Online Banking is activated for your account(s), you will be required to 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 savingsshare, checking, loan, money marketshare draft, and club money market accounts. - Obtain balance information for your savingsshare, checkingshare draft, loan, XXX, money market, club, and certificate accounts. - Make loan payments from your savingsshare, checking, loan, money marketshare draft, and club money market accounts. - Access your Line of Credit and Visa 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 M2M (Member xxxx payments to Member) transfers - Make external transfers (Account to Account) preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online 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. All checks are payable to you as a primary member and will be mailed to your address of record. 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 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. - The maximum external (account to account)withdrawal withdrawal or transfer amount is $2,000.00 ($500.00 for new members) 10,000.00 per day, $4,000.00 ($1,000.00 for new members) per monthand no transfer or withdrawal may exceed the available funds in your account. - See Section 2 for transfer limitations that may apply to these transactions.

Online Banking. If Online Banking is activated for your account(s), you will be required to 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 club accounts. - Transfer funds from your savingsshare, checking, loanshare draft, money market, and club accounts. - Obtain balance information for your savingsshare, checkingshare draft, loan, XXX, money market, club, and certificate accounts. - Make loan payments from your savingsshare, checking, loanshare draft, money market, and 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 M2M (Member xxxx payments to Member) transfers - Make external transfers (Account to Account) preauthorized creditors. Your accounts can be accessed under Online Banking via personal computer. Online 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. All checks are payable to you as a primary member and will be mailed to your address of record. 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 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. - The maximum external (account to account)withdrawal or transfer amount is $2,000.00 ($500.00 for new members) per day, $4,000.00 ($1,000.00 for new members) per month. See Section 2 for transfer limitations that may apply to these transactions.