Common use of Telephone Banking Clause in Contracts

Telephone Banking. A separate Access Code will be assigned to you for Telephone Banking. You must use your Access Code along with your member number to access your accounts. At the present time you may use Telephone Banking to: • Withdraw funds from your share savings, checking, money market accounts and personal credit lines. • Transfer funds from your share savings, checking, money market accounts and personal credit lines. • Obtain balance information for your share savings, checking, money market, investment certificate accounts, mortgage, consumer loans and Visa credit card. • Make loan payments from your share savings, checking and money market accounts. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share savings, checking, money market and investment certificates accounts or interest paid on loan accounts. • Verify the last date and amount of your payroll deposit. • Place Stop Payment. • Request a check from your account to be mailed to your home. Your accounts can be accessed through Telephone Banking via a touch tone telephone only. Telephone Banking service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Telephone Banking transactions may apply: • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day. • See Section 2 for transfer limitations that may apply to these transactions. • Maximum withdrawal amount for check by mail is $10,000.00. 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 set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union 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 telephone call.

Telephone Banking. A If we approve Telephone Banking for your accounts, a separate Access Code personal iden- tification number (PIN) will be assigned to you for Telephone Bankingyou. You must use your Access Code personal identification number (PIN) along with your member account number to access your accounts. At the present time time, you may use Telephone Banking to: • - Withdraw funds from your share savings, checking, money market accounts savings and personal credit lineschecking accounts. • - Transfer funds from your share savings, checking, money market accounts savings and personal credit lineschecking accounts. • - Obtain balance information for your share savings, checking, money marketloan, investment and certificate accounts, mortgage, consumer loans and Visa credit card. • - Make loan payments from your share savings, savings and checking and money market accounts. • - Access your Line of Credit account. - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share savings, checking, money market savings and investment certificates checking accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Place Stop Payment. • Request a check from your - Obtain account to be mailed to your homehistory. Your accounts can be accessed through under Telephone Banking via a touch touch-tone telephone only. Telephone Banking service will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Telephone 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. • - See Section 2 for transfer limitations that may apply to these transactions. • Maximum withdrawal amount for check by mail is $10,000.00. 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 set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue dis- continue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each telephone call.

Telephone Banking. A If we approve the Voice Response/Telephone Banking access service to your accounts, a separate Access Code personal identification number (PIN) will be assigned to you for Telephone Bankingyou. You must use your Access Code personal identification number (PIN) along with your member account number to access your accounts. At the present time time, you may use Telephone Banking Voice Response to: • Withdraw  Withdrawal funds from your share, share savingsdraft, checking, and money market accounts and personal credit linesaccounts. •  Transfer funds from your share, share savings, checking, draft and money market accounts.  Make loan payment from your share or share draft accounts and personal credit lines. •  Obtain balance information for your share, share savings, checking, draft money market, investment certificate club, individual retirement accounts, mortgage, consumer loans and Visa credit card. • Make loan payments from your share savings, checking and money market accounts. •  Access your home equity loan.  Determine if a particular item has cleared. •  Obtain tax information on amounts earned on share, share savings, checking, money market and investment certificates accounts drafts or interest paid on loan accounts. • accounts  Verify the last date and amount of your payroll deposit. • Place Stop Payment. • Request a check from your account to be mailed to your home. Your accounts can be accessed through under the Voice Response/Telephone Banking service via a touch touch-tone telephone only. Telephone Banking service Service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. The following limitations limitation on Voice Response/Telephone Banking transactions may apply: •  There is no limit to the number of inquiries, transfers, or withdrawal requests withdrawals you may make in any one day. •  See Section 2 Transfer Limitation section for transfer limitations that may apply to these transactions. • Maximum withdrawal amount for check by mail is $10,000.00. 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 set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available 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 telephone call.

Telephone Banking. A If we approve Telephone Banking for your accounts, a separate Access Code personal identification number (PIN) will be assigned to you for Telephone Bankingyou. You must use your Access Code personal identification number (PIN) along with your member account number to access your accounts. At the present time time, you may use Telephone Banking to: • Withdraw funds - Request a check from your share savings, checking, money market accounts and personal credit linesormoney market. • - Transfer funds from between your share savings, checking, money market accounts and personal credit lines. • Obtain balance information for your share savings, checking, money market, investment and Overdraft Line of Credit accounts. - Obtain balance information for your savings, checking, loan, money market, club, and certificate accounts, mortgage, consumer loans and Visa credit card. • - Make loan payments from your share savings, checking checking, and money market accounts. • - Access your Overdraft Line of Credit accounts. - Determine if a particular item has clearedhascleared. • - Obtain tax information on amounts earned on share savings, checking, and money market market, club, and investment certificates Certificate of Deposit accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Place Stop Payment. • Request a check from your account to be mailed to your home- Obtain information on recent depositsand withdrawals. Your accounts can be accessed through under Telephone Banking via a touch touch-tone telephone only. Telephone Banking service will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Telephone 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. • - See Section 2 for transfer limitations that may apply to these transactions. • Maximum withdrawal amount for check by mail is $10,000.00. 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 set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union 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, transaction and there may be limits on the duration of each telephone call.

Telephone Banking. A If we approve Telephone Banking for your accounts, a separate Access Code personal identification number (PIN) will be assigned to you for Telephone Bankingyou. You must use your Access Code personal identification number (PIN) along with your member account number to access your accounts. At the present time time, you may use Telephone Banking to: • - Withdraw funds from your share, share savings, checkingdraft, money market accounts market, and personal credit linesclub accounts. • - Transfer funds from your share, share savings, checkingdraft, money market accounts market, and personal credit linesclub accounts. • - Obtain balance information for your share, share savingsdraft, checkingloan, XXX, money market, investment club, and certificate accounts, mortgage, consumer loans and Visa credit card. • Make loan payments from your share savings, checking and money market accounts. • - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share savings, checking, money market and investment certificates share draft accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Place Stop Payment. • Request a check from your account to be mailed to your home. Your accounts can be accessed through under Telephone Banking via a touch touch-tone telephone only. Telephone Banking service will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Telephone 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. • - See Section 2 for transfer limitations that may apply to these transactions. • Maximum withdrawal amount for check by mail is $10,000.00. 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 set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union 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, transaction and there may be limits on the duration of each telephone call.

Telephone Banking. A separate Access Code will be assigned to Telephone Banking requires you for Telephone Banking. You must use your Access Code along with your member number set up a Personal Identification Number (PIN) to access your personal account. Your password and/or PIN may be used to transfer between your accounts, obtain information regarding your accounts, and for such other transactions as may become available, of which this Agreement is made a part by reference. At the present time you You may enroll and access your eligible accounts 24 hours a day by telephone at (000) 000-0000. A member number and personal identification number are required to gain access to account information. You may use the Telephone Banking toServices to perform the following functions: • Withdraw funds from your share savings, checking, money market accounts and personal credit lines. • Transfer funds from your share savings, checking, money market between eligible accounts and personal credit lines. persons • Obtain balance information for your share savings, checking, money market, investment certificate accounts, mortgage, consumer loans and Visa credit card. on eligible Account • Review transactions • Make loan payments • Stop payment requests • Advance funds from an eligible credit line For security purposes, we may establish certain limits on the accounts that can be linked, the frequency, amount, and the number of transfers you may make using the Telephone Banking Services. If you permit another person to use your share savingspassword and/or PIN for account number(s), checking and money market accounts. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share savings, checking, money market and investment certificates accounts or interest paid on loan accounts. • Verify the last date and amount you are responsible for all transactions conducted by that person (including those in excess of your payroll depositauthorization). • Place Stop PaymentYou must notify us that the person is no longer authorized to have access and transact on your account. • Request Once notified, we may block the password and/or PIN and issue a check from new one. Visa Debit Cards (Full Function and PIN Only) We may issue you a debit card and a personal identification number (PIN) when you open your account Account. The terms that govern this service are in the Membership Account Agreement and Disclosure. Please review that Agreement carefully for specific terms and conditions. There are daily dollar limits for withdrawals and purchases. We provide your card limits to be mailed you as part of a separate Agreement for card services. We may occasionally decide not to your homeissue a card or code to a member. Your accounts can be accessed through Telephone Banking via We may suspend or terminate a touch tone telephone only. Telephone Banking service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short card or code at any time each day for data processingwithout cause or notice. The following limitations on Telephone Banking transactions information is a summary of how you can use your card (availability of use may apply: • There is no limit to the number of inquiriesvary by card, transfersATM, or withdrawal requests you may make in any one day. • See Section 2 for terminal): At ATMs: You can use your card with linked accounts at participating ATMs to withdraw cash, transfer limitations that may apply to these transactions. • Maximum withdrawal amount for check by mail is $10,000.00. 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 accountand find out balances. All checks are payable to you as a primary member and will be mailed to your address of record. 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 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 Additional functionality may be limits on available at ATMs prominently branded with the duration of each telephone callWelby name and logo, such as using your card and pin to make deposits and make payments to qualifying well be credit cards and loans. At Participating Merchants: You can use your card with linked accounts at participating merchants to purchase goods or services. Some merchants may also permit you to withdraw cash from your checking account while making a purchase.

Telephone Banking. A If we approve Telephone Banking for your accounts, a separate Access Code personal identification number (PIN) will be assigned to you for Telephone Bankingyou. You must use your Access Code personal identification number (PIN) along with your member account number to access your accounts. At the present time time, you may use Telephone Banking to: • - Withdraw funds from your share savings, checking, money market accounts and personal credit linesloan accounts. • - Transfer funds from your share savings, checking, money market accounts and personal credit linesloan accounts. • - Obtain balance information for your share savings, checking, money marketloan, investment certificate and XXX accounts, mortgage, consumer loans and Visa credit card. • - Make loan payments from your share savings, savings and checking and money market accounts. • - Access your Overdraft Protection Loan account. - Determine if a particular item has cleared. • - Obtain tax information on amounts earned on share savings, checking, money market savings and investment certificates checking accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Place Stop Payment. • Request a check from your account to be mailed to your home. Your accounts can be accessed through under Telephone Banking via a touch touch-tone telephone only. Telephone Banking service will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Telephone 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. • - See Section 2 for transfer limitations that may apply to these transactions. • Maximum withdrawal amount for check by mail is $10,000.00. 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 set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union 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, transaction and there may be limits on the duration of each telephone call.

Telephone Banking. A If we approve Telephone Banking for your accounts, a separate Access Code personal identification number (PIN) will be assigned to you for Telephone Bankingyou. You must use your Access Code personal identification number (PIN) along with your member account number to access your accounts. At the present time time, you may use Telephone Banking to: • - Withdraw funds from your share savings, checking, money market accounts and personal credit linesshare draft accounts. • - Transfer funds from your share savings, checking, money market accounts and personal credit linesshare draft accounts. • - Obtain balance information for your share, share savingsdraft, checkingloan, IRA, money market, investment and certificate accounts, mortgage, consumer loans and Visa credit card. • - Make loan payments from your share savings, checking and money market share draft accounts. • - Determine if a particular item has cleared. • Obtain tax information on amounts earned on share savings, checking, money market and investment certificates accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Place Stop Payment. • Request a check from your account to be mailed to your home. Your accounts can be accessed through under Telephone Banking via a touch touch-tone telephone only. Telephone Banking service will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Telephone 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. • See Section 2 for Transfers from your savings, or money market accounts will be limited to a total of six (6) in any one month. You may transfer limitations that may apply or withdraw up to these transactions. • Maximum withdrawal amount for check by mail is $10,000.0010,000 or the available balance in your account at the time of the transfer, except as limited under this Agreement or other agreements. 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 set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union 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, transaction and there may be limits on the duration of each telephone call.

Telephone Banking. A If we approve the Voice Response/Telephone Banking access service to your accounts, a separate Access Code personal identification number (PIN) will be assigned to you for Telephone Bankingyou. You must use your Access Code personal identification number (PIN) along with your member account number to access your accounts. At the present time time, you may use Telephone Banking Voice Response to: • Withdraw Withdrawal funds from your share, share savingsdraft, checking, and money market accounts and personal credit linesaccounts. • Transfer funds from your share, share savings, checking, draft and money market accounts. • Make loan payment from your share or share draft accounts and personal credit lines. • Obtain balance information for your share, share savings, checking, draft money market, investment certificate club, individual retirement accounts, mortgage, consumer loans and Visa credit cardloan accounts. • Make loan payments from Access your share savings, checking and money market accountshome equity loan. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share, share savings, checking, money market and investment certificates accounts drafts or interest paid on loan accounts. accounts • Verify the last date and amount of your payroll deposit. • Place Stop Payment. • Request a check from your account to be mailed to your home. Your accounts can be accessed through under the Voice Response/Telephone Banking service via a touch touch-tone telephone only. Telephone Banking service Service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. The following limitations limitation on Voice Response/Telephone Banking transactions may apply: • There is no limit to the number of inquiries, transfers, or withdrawal requests withdrawals you may make in any one day. • See Section 2 Transfer Limitation section for transfer limitations that may apply to these transactions. • Maximum withdrawal amount for check by mail is $10,000.00. 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 set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available 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 telephone call.

Telephone Banking. A If we approve Telephone Banking for your accounts, a separate Access Code personal identification number (PIN) will be assigned to you for Telephone Bankingyou. You must use your Access Code personal identification number (PIN) along with your member account number to access your accounts. At the present time time, you may use Telephone Banking to: • - Withdraw funds from your share savings, checking, money market accounts and personal credit linesshare draft accounts. • - Transfer funds from your share savings, checking, money market accounts and personal credit linesshare draft accounts. • - Obtain balance information for your share, share savingsdraft, checkingloan, XXX, money market, investment and certificate accounts, mortgage, consumer loans and Visa credit card. • - Make loan payments from your share savings, checking and money market share draft accounts. • - Determine if a particular item has cleared. • Obtain tax information on amounts earned on share savings, checking, money market and investment certificates accounts or interest paid on loan accounts. • - Verify the last date and amount of your payroll deposit. • Place Stop Payment. • Request a check from your account to be mailed to your home. Your accounts can be accessed through under Telephone Banking via a touch touch-tone telephone only. Telephone Banking service will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Telephone 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. • See Section 2 for Transfers from your savings, or money market accounts will be limited to a total of six (6) in any one month. You may transfer limitations that may apply or withdraw up to these transactions. • Maximum withdrawal amount for check by mail is $10,000.0010,000 or the available balance in your account at the time of the transfer, except as limited under this Agreement or other agreements. 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 set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union 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, transaction and there may be limits on the duration of each telephone call.

Telephone Banking. A separate Access Code will be assigned to you for Telephone Banking. You must use your Access Code along with your member number to access your accounts. At the present time you may use Telephone Banking to: • Withdraw funds from your share savings, checking, money market accounts and personal credit lines. • Transfer funds from your share savings, checking, money market accounts and personal credit lines. • Obtain balance information for your share savings, checking, money market, investment certificate accounts, mortgage, consumer loans and Visa credit card. • Make loan payments from your share savings, checking and money market accounts. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share savings, checking, money market and investment certificates accounts or interest paid on loan accounts. • Verify the last date and amount of your payroll deposit. • Place Stop Payment. • Request a check from your account to be mailed to your home. Your accounts can be accessed through Telephone Banking via a touch tone telephone only. Telephone Banking service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Telephone Banking transactions may apply: • There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one day. • See Section 2 for transfer limitations that may apply to these transactions. • Maximum withdrawal amount for check by mail is $10,000.00. 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 set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union 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 telephone call.