Common use of TERMINATION OF EFT SERVICES Clause in Contracts

TERMINATION OF EFT SERVICES. Unitus reserves the right at any time to terminate your right to make transactions and to retrieve or ask for the immediate return of any access device, debit or ATM card it deems necessary without prior notice to you. The access device, debit or ATM card at all times remains the property of Unitus. Upon termination of this Agreement, you agree to surrender your access device, debit or ATM card to Unitus. If the card is lost or stolen, you agree to notify Unitus immediately upon discovery of such loss or theft. Unitus may terminate your rights without prior notice to you in the event that any of the following conditions occur: • You, or any authorized user of your card, access device, PIN or access code breach this or any other agreement with us; • We have reason to believe that there has been an unauthorized use of your accounts or access devices; • We notify you or any other party to your account that we have canceled or will cancel this Agreement; • Three or more overdrafts occur as a result of nonsufficient or unavailable funds on an account; • Any transaction on your accounts which results in a monetary loss to Unitus; • Your delinquency on any loan or Visa credit card account with Unitus; • Forced closure of any of your accounts at Unitus due to misuse; or • Any other situation in which Unitus deems revocation to be in its best interest. Unitus reserves the right to amend, modify, revoke, or cancel the terms of this Agreement or any transaction services contemplated herein. If applicable law requires notification, notice will be mailed to you at the address shown on Unitus' records. It is the obligation of each member to update any new address. Any revised, amended, or modified conditions, rules, and/or regulations shall be effective at the earliest date allowed by law. You can terminate this Agreement by notifying Unitus in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

TERMINATION OF EFT SERVICES. Unitus reserves the right You may terminate any EFT service under this Agreement at any time by notifying the Credit Union in writing and stopping your use of your Card and any access code. You must return all Cards to terminate your right the Credit Union. You also agree to notify any participating merchants that authority to make transactions and to retrieve or ask for the immediate return of any access device, debit or ATM card it deems necessary without prior notice to youbill payments transfers has been revoked. The access device, debit Credit Union may also terminate this Agreement at any time by notifying you orally or ATM card at all times remains in writing. If the property of Unitus. Upon termination of Credit Union terminates this Agreement, it may notify any participating merchants that authority to make bill payments transfers has been revoked. The Credit Union may also terminate any EFT service under this Agreement at any time by notifying you agree to surrender your access device, debit orally or ATM card to Unitusin writing. If the card is lost Credit Union terminates any EFT service, it may notify any participating merchants making preauthorized debits or stolen, you agree credits to notify Unitus immediately upon discovery of such loss or theft. Unitus may terminate your rights without prior notice to you in the event that any of your Accounts that the following conditions occur: • You, or Account has been terminated and that the Credit Union will not accept any authorized user of further preauthorized transaction instructions. The Credit Union may also program its computer not to accept your card, access device, PIN Card or access code breach this or for any other agreement with us; • We have reason to believe that there has been an unauthorized use of your accounts or access devices; • We notify EFT service. Whether you or any other party to your account that we have canceled or will cancel the Credit Union terminates this Agreement; • Three or more overdrafts occur as a result of nonsufficient or unavailable funds on an account; • Any transaction on your accounts which results in a monetary loss to Unitus; • Your delinquency on any loan or Visa credit card account with Unitus; • Forced closure of any of your accounts at Unitus due to misuse; or • Any other situation in which Unitus deems revocation to be in its best interest. Unitus reserves , the right to amend, modify, revoke, or cancel the terms of this Agreement or any transaction services contemplated herein. If applicable law requires notification, notice will be mailed to you at the address shown on Unitus' records. It is the obligation of each member to update any new address. Any revised, amended, or modified conditions, rules, and/or regulations termination shall be effective at the earliest date allowed by law. You can terminate this Agreement by notifying Unitus in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties your obligations under this Agreement for any EFTs made prior to termination. FIVE STAR CREDIT UNION PRIVACY POLICY FACTS WHAT DOES FIVE STAR CREDIT UNION DO WITH YOUR PERSONAL INFORMATION? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do. Why? All financial companies need to share members’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their members’ personal information; the reasons Five Star Credit Union chooses to share; and whether you can limit this sharing. How? The types of personal information we collect and share depends on the product or service you have with us. This information can include: ● Social Security number and income ● Account balances and payment history ● Account transactions initiated before terminationWhen you are no longer our member, we continue to share your information as described in this notice. What? Reasons we can share your personal information Does Five Star Credit Union share? Can you limit this sharing? For our everyday business purposes— such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No For our marketing purposes— to offer our products and services to you Yes No For joint marketing with other financial companies Yes No For our affiliates’ everyday business purposes— information about your transactions and experiences No No For our affiliates’ everyday business purposes— information about your creditworthiness No No For nonaffiliates to market to you No No Call 000-000-0000 or 000-000-0000, visit xxx.xxxxxxxxxx.xxx, or write to us at: XX Xxx 0000, Xxxxxx, XX 00000 Questions? Who we are Who is providing this notice? Five Star Credit Union What we do How does Five Star Credit Union protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings. How does Five Star Credit Union collect my personal information? We collect your personal information, for example, when you  open an account or deposit money  pay your bills or apply for a loan  use your credit or debit card We also collect your personal information from others, such as credit bureaus, affiliates, or other companies. Why can’t I limit all sharing? Federal law gives you the right to limit only  sharing for affiliates’ everyday business purposes—information about your creditworthiness  affiliates from using your information to market to you  sharing for nonaffiliates to market to you State laws and individual companies may give you additional rights to limit sharing.

TERMINATION OF EFT SERVICES. Unitus reserves the right You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your Card and any access code. You must return all Cards to terminate your right the Credit Union. You also agree to notify any participating merchants that authority to make transactions and to retrieve bill payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or ask for the immediate return of any access device, debit or ATM card it deems necessary without prior notice to youin writing. The access device, debit or ATM card at all times remains the property of Unitus. Upon termination of If we terminate this Agreement, you agree we may notify any participating merchants making preauthorized debits or credits to surrender your access device, debit or ATM card to Unitus. If the card is lost or stolen, you agree to notify Unitus immediately upon discovery of such loss or theft. Unitus may terminate your rights without prior notice to you in the event that any of the following conditions occur: • You, or any authorized user of your card, access device, PIN or access code breach this or any other agreement with us; • We have reason to believe that there has been an unauthorized use of your accounts or access devices; • We notify you or any other party to your account that we have canceled or will cancel this Agreement; • Three or more overdrafts occur as a result of nonsufficient or unavailable funds on an account; • Any transaction on your accounts which results in a monetary loss to Unitus; • Your delinquency on any loan or Visa credit card account with Unitus; • Forced closure of any of your accounts at Unitus due to misuse; or • Any other situation in which Unitus deems revocation to be in its best interest. Unitus reserves the right to amend, modify, revoke, or cancel the terms of that this Agreement or any transaction services contemplated herein. If applicable law requires notification, notice will be mailed to you at the address shown on Unitus' records. It is the obligation of each member to update any new address. Any revised, amended, or modified conditions, rules, and/or regulations shall be effective at the earliest date allowed by law. You can terminate this Agreement by notifying Unitus in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your Card or access code for any EFT service. Whether you or the Credit Union terminates this Agreement, the termination shall not affect the rights and responsibilities of the parties your obligations under this Agreement for transactions initiated any EFT made prior to termination. Change in Terms. We may change the terms and charges for the services shown in this Agreement and may amend this Agreement from time to time. Business Days. Every day is a business day except Saturdays, Sundays and holidays. Governing Law. This Agreement is governed by the Credit Union's bylaws, federal laws and regulations, the laws, including applicable principles of contract law, and regulations of the state in which the Credit Union's main office is located, and local clearinghouse rules, as amended from time to time. As permitted by applicable law, you agree that any legal action regarding this Agreement shall be brought in the county in which the Credit Union is located. You must file any lawsuit or request arbitration against us within one year after the cause of action arises, unless federal or state law or an applicable agreement provides for a shorter time. This one-year limit is in addition to any time limits on notice as a condition of making a claim. For purposes of a lawsuit or arbitration concerning a fee or charge assessed to your account, the cause of action will be deemed to have arisen or accrued on the date the first such fee or charge being complained of was assessed regardless of whether you had actual or constructive knowledge of any such cause of action, and you expressly waive any application of or reliance on any theory or doctrine of a continuing violation or breach or any other doctrine which might otherwise serve to toll or delay the beginning of the one-year limitation period. For any and all causes of action arising or accruing before terminationthe date this paragraph first became effective, July 1, 2021, you must still file any lawsuit or request arbitration against us within one year after July 1, 2021, and you acknowledge and agree that one year is a reasonable period of time to discover any such cause of action and bring suit or request arbitration, and you expressly waive any reliance on any vested or unvested rights you may have had under any other, longer statute of limitation. No member or accountholder may file, request, maintain or pursue against the credit union a class action, class-wide arbitration, or private attorney general action. Nor shall any class action, class-wide arbitration, or private attorney general action be filed, requested, maintained, or pursued by a member against the credit union in any arbitration or in any court proceeding, regardless of when the claim or cause of action arose or accrued, or when the allegations or facts underlying the claim or cause of action occurred.

TERMINATION OF EFT SERVICES. Unitus reserves the right You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping your use of your card and any access code. You must return all cards to terminate your right the Credit Union. You also agree to notify any participating merchants that authority to make transactions xxxx payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or in writing. If we terminate this Agreement, we may notify any participating merchants making preauthorized debits or credits to any of your accounts that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. Whether you or the Credit Union terminated this Agreement, the termination shall not affect your obligations under this Agreement for any EFTs made prior to retrieve termination. Governing law:This Agreement is governed by the Bylaws of the Credit Union, federal laws and regulations, the laws and regulations of the state of Wyoming and local clearinghouse rules, as amended from time to time. Any disputes regarding this Agreement shall be subject to the jurisdiction of the court of the county in which the Credit Union is located. Enforcement: You are liable to us for any loss, cost or ask for the immediate return expenses we incur resulting from your failure to follow this Agreement. You authorize us to deduct any such loss, costs or expenses from any of any access device, debit or ATM card it deems necessary your accounts without prior notice to you. The access device, debit If we bring a legal action to collect any amount due under or ATM card at all times remains the property of Unitus. Upon termination of to enforce this Agreement, you agree we shall be entitled, subject to surrender your access deviceapplicable law, debit or to payment of reasonable attorney’s fees and cost, including fees on any appeal, bankruptcy proceedings, and any post-judgment collection actions. SAVINGS WITHDRAWAL & TRANSFER LIMITS FEDERALLY REGULATED Limit 6 per Month (Any Combination) NON REGULATED SAVINGS WITHDRAWALS/TRANSFERS (unlimited) ACH from SAVINGS only (preauthorized EFT’s) Any ATM card Transactions ONLINE from SAVINGS only Any In-Person Transactions TELEPHONE AND/OR TEXT TRANSFERS from SAVINGS only Any Mail Transactions Any Night Drop Transactions NSF Transfers to Unitus. If the card Checking from SAVINGS only Each member is lost or stolen, you agree to notify Unitus immediately upon discovery of such loss or theft. Unitus may terminate your rights without prior notice to you in the event that allowed any combinationof 6 of the following conditions occur: • Youabove transactions. After 6 per month, or any authorized user additional transactions may berejected and overdraft fees may be assessed. ACPE’s ATM locations are free of your card, access device, PIN or access code breach this or any other agreement with us; • We have reason to believe that there has been an unauthorized use of your accounts or access devices; • We notify you or any other party to your account that we have canceled or will cancel this Agreement; • Three or more overdrafts occur as a result of nonsufficient or unavailable funds on an account; • Any transaction on your accounts which results in a monetary loss to Unitus; • Your delinquency on any loan or Visa credit card account with Unitus; • Forced closure of any of your accounts at Unitus due to misuse; or • Any other situation in which Unitus deems revocation to be in its best interest. Unitus reserves the right to amend, modify, revoke, or cancel the terms of this Agreement or any transaction services contemplated herein. If applicable law requires notification, notice will be mailed to you at the address shown on Unitus' records. It is the obligation of each member to update any new address. Any revised, amended, or modified conditions, rules, and/or regulations shall be effective at the earliest date allowed by law. You can terminate this Agreement by notifying Unitus in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement fees for transactions initiated before terminationour members.

TERMINATION OF EFT SERVICES. Unitus reserves the right at any time to terminate your right to make transactions and to retrieve or ask for the immediate return of any access device, debit or ATM card it deems necessary without prior notice to you. The access device, debit or ATM card at all times remains the property of Unitus. Upon termination of this Agreement, you agree to surrender your access device, debit or ATM card to Unitus. If the card is lost or stolen, you agree to notify Unitus immediately upon discovery of such loss or theft. Unitus may terminate your rights without prior notice to you in the event that any of the following conditions occur: •  You, or any authorized user of your card, access device, PIN or access code breach this or any other agreement with us; •  We have reason to believe that there has been an unauthorized use of your accounts or access devices; •  We notify you or any other party to your account that we have canceled or will cancel this Agreement; •  Three or more overdrafts occur as a result of nonsufficient or unavailable funds on an account; •  Any transaction on your accounts which results in a monetary loss to Unitus; •  Your delinquency on any loan or Visa credit card account with Unitus; •  Forced closure of any of your accounts at Unitus due to misuse; or •  Any other situation in which Unitus deems revocation to be in its best interest. Unitus reserves the right to amend, modify, revoke, or cancel the terms of this Agreement or any transaction services contemplated herein. If applicable law requires notification, notice will be mailed to you at the address shown on Unitus' records. It is the obligation of each member to update any new address. Any revised, amended, or modified conditions, rules, and/or regulations shall be effective at the earliest date allowed by law. You can terminate this Agreement by notifying Unitus in writing. Termination of service will be effective the first business day following receipt of your written notice. Termination of this Agreement will not affect the rights and responsibilities of the parties under this Agreement for transactions initiated before termination.

TERMINATION OF EFT SERVICES. Unitus reserves the right You may terminate this Agreement or any EFT service under this Agreement at any time by notifying us in writing and stopping the use of your card(s) and any access PIN(s). You also agree to terminate your right notify any participating merchant that authority to make transactions and to retrieve xxxx payment transfers has been revoked. We may also terminate this Agreement at any time by notifying you orally or ask for the immediate return of any access device, debit or ATM card it deems necessary without prior notice to youin writing. The access device, debit or ATM card at all times remains the property of Unitus. Upon termination of If we terminate this Agreement, you agree we may notify any participating merchants making preauthorized debits or credits to surrender your access device, debit or ATM card to Unitus. If the card is lost or stolen, you agree to notify Unitus immediately upon discovery of such loss or theft. Unitus may terminate your rights without prior notice to you in the event that any of the following conditions occur: • You, or any authorized user of your card, access device, PIN or access code breach this or any other agreement with us; • We have reason to believe that there has been an unauthorized use of your accounts or access devices; • We notify you or any other party to your account that we have canceled or will cancel this Agreement; • Three or more overdrafts occur as a result of nonsufficient or unavailable funds on an account; • Any transaction on your accounts which results in a monetary loss to Unitus; • Your delinquency on any loan or Visa credit card account with Unitus; • Forced closure of any of your accounts at Unitus due to misuse; or • Any other situation in which Unitus deems revocation to be in its best interest. Unitus reserves the right to amend, modify, revoke, or cancel the terms of that this Agreement has been terminated and that we will not accept any further preauthorized transaction instructions. We may also program our computer not to accept your card or access PIN for any transaction services contemplated hereinEFT service. If applicable law requires notification, notice will be mailed to Whether you at the address shown on Unitus' records. It is the obligation of each member to update any new address. Any revised, amended, or modified conditions, rules, and/or regulations shall be effective at the earliest date allowed by law. You can we terminate this Agreement by notifying Unitus in writing. Termination of service will be effective Agreement, the first business day following receipt of your written notice. Termination of this Agreement will termination shall not affect the rights and responsibilities of the parties your obligations under this Agreement for any Electronic Fund Transfers made prior to termination. LINKING DEBIT CARD TO ACCOUNTS For card access and designating primary account: Linking lets you add accounts you own (i.e. checking, savings) to a debit card, giving you access to make transactions initiated before terminationon multiple accounts with one card at LegacyTexas ATMs. If you link only one account of a single type (i.e. checking or savings) to the card, that linked account is automatically designated as the 'primary” account. For purposes of electronic fund transfer services, the primary account for a debit card must be a checking account. The money for purchases and payments made with your card is deducted from your primary checking account. Cash withdrawals using a debit card at a non-LegacyTexas ATM are deducted from the primary checking or savings account. If you link more than one account of a single type to the card, you may designate a primary account and other accounts. If you do not designate a primary account, the first account of that type linked to your card is considered the primary account. If a primary account linked to the card is closed or delinked for any reason, we will designate another linked account (if applicable) as the new primary account. To access line of credit account at ATMs: If you link your line of credit account to the card, you may use the card to access the linked credit account at any LegacyTexas ATM. You can use the card to obtain cash or transfer funds from the linked line of credit, as long as the linked account is in good standing and has available credit. Cash withdrawals and transfers of funds from your line of credit are treated as cash advances. Each of these transactions is subject to the provisions of the separate Line of Credit Agreement and Disclosure. TYPES OF TRANSACTIONS Below are the types of transactions your Card will accommodate. ATM Transfer. You may access your account by ATM using your Card and PIN to: • make deposits to your account • withdraw cash from your account - you may withdraw no more than your daily limit • transfer funds from and to linked accounts • obtain balance information Some of these services may not be available at all terminals. Point-of-Sale Transactions. You may access your account with your Card to purchase goods or pay for services (in person, by phone, or online), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that you can do with a credit card (that a participating merchant will accept with a credit card). Using your Card and/or PIN: • for your security and fraud protection, you may not exceed the daily transaction limit or • your daily dollar limitations ATM and Merchant Terminal Malfunctions. We are not responsible for damages resulting from an ATM or merchant terminal malfunction. You will promptly notify us if a LegacyTexas ATM fails to dispense the correct amount of cash or provide a receipt by calling or writing us at the telephone number or address provided on your periodic statement Currency Conversion and International Transactions. When you use your Card at a merchant that settles in currency other than U.S. dollars, MasterCard International Incorporated will convert the charge into the U.S. dollar amount. MasterCard International will use its currency conversion procedure, which is disclosed to institutions that issue MasterCard cards. The currency conversion rate used by MasterCard International to determine the transaction amount in U.S. dollars is generally either a government-mandated rate or a wholesale rate determined by MasterCard International for the processing cycle in which the transaction is processed, increased by an adjustment factor established from time to time by MasterCard International. The currency conversion rate used by MasterCard International on the processing date may differ from the rate that would have been used on the purchase date or statement posting date. MasterCard International charges an Issuer Cross Border Assessment Fee on all international transactions. Refer to the Schedule of Fees for applicable fees. There may be additional charges coming from any transaction done over the internet, by phone or in person for purchases made with a merchant that processes their transactions internationally. These are fees passed through the merchant and/or processor and in either case we pass this transaction fee on to you. DAILY LIMITS, FEES AND AVAILABLE BALANCE You may use the Card subject to the standard 1) daily ATM withdrawal limit and daily purchase limit, unless approved for higher limits, and 2) your available balance in your account. For purposes of the daily limits only, a 'day” is defined as the 24-hour period from midnight to midnight, Central Time. If a transaction is made in another time zone, it will be processed when we receive it. The following rules apply: Limits on dollar amounts: • Daily ATM withdrawal limit is the maximum amount of cash you can withdraw from any combination of accessible accounts using your card. • Daily purchase limit is the maximum U.S. dollars amount of purchases that can be debited from your account. In certain circumstances we may allow Card transactions that exceed your daily purchase limit. The Limits for your Card. You can confirm your Card’s daily dollar and transaction limits by contacting us at 000-000-0000. Changes to Card limit. We may, without telling you, increase your daily purchase or ATM withdrawal limit based on account history, activity, and other factors. We will notify you if we decrease the daily limits for your Card. Fees for using Card. Refer to the separate Schedule of Fees for any associated charges for use of the Card.