Common use of Transaction Limitations Clause in Contracts

Transaction Limitations. The Credit Union will permit a withdrawal only if you have sufficient available funds in your account to cover the full amount of the withdrawal or have an established overdraft protection plan. Drafts or other transfer or payment orders which are drawn against insufficient available funds will be subject to a service charge, set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union may allow those withdrawals for which there are sufficient available funds in any order at the Credit Union’s discretion. The Credit Union may also refuse to allow a withdrawal in other cases; for example: any dispute between the owners about the account (unless a court has ordered the Credit Union to allow the withdrawal); a legal garnishment or attachment is served; the account secures an obligation to the Credit Union; any required documentation has not been presented; or you fail to repay a Credit Union loan on time. You will be advised of the reasons for refusal if such action is taken. The Credit Union reserves the right to require members to give notice in writing of any intended withdrawals from any account of not less than seven (7) days and up to sixty (60) days, as required by law, before such withdrawal. Items Presented Against Insufficient Funds. Order In Which Checks and Other Items Are Paid. In general, we pay checks and other transactions in the order in which they are presented to us for payment, regardless of when you issued or authorized them. Insufficient balances on your account may result from 1) checks, 2) automated clearing house (ACH) debits such as online bill payment transactions, 3) payments authorized by an owner or other withdrawal requests, 4) items deposited by an owner and returned unpaid by the paying institution, and 5) imposition of service charges. Checks and ACH debits may be presented to us in batches or data files, and are paid when we process the data file. Checks from the same account in the same data file are processed in check number order. Checks presented for payment to one of our tellers at one of our branches are processed at the time of payment. Debit card transactions are processed when they are transmitted to us, which may occur at the time of the transaction or up to several days later. The merchant or its processor determines when the transaction will be transmitted to us. When a merchant obtains authorization for a debit card transaction, we place a temporary hold against the funds in the account for the amount of the authorized transaction. In some cases, such as restaurants, gas stations, or car rental transactions, there may be a hold for an initially authorized amount, but the transaction is submitted at a different amount. You should be certain there are enough funds in your account at all times to pay checks or other transactions you authorize, or those checks or transactions will be handled according to the overdraft and insufficient funds terms of this Agreement, or paid under one of our check overdraft services if applicable. You agree that we may change these practices at any time without prior notice to you to address data processing constraints, changes in law, regulation, clearing house rules or business concerns Determination of Available Balance to Pay Items. Checks and other transactions on your account are paid based on your available balance, and not the actual balance. Your actual balance is the amount of funds in the account at a point in time based on transactions that have posted to the account at that time. Your available balance is the amount of funds in the account that are available to pay checks, ACHs, and other items presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted to your account. If an item presented for payment against your account exceeds the available balance, we will treat it as presented against non-sufficient funds even if the actual balance exceeds the amount of the item.

Transaction Limitations. The Credit Union In accordance with applicable law, we reserve the right to require you to provide written notice of any intended withdrawals from any account(s) of not less than seven (7) but not more than sixty (60) days before the intended date of withdrawal. Withdrawals will permit a withdrawal only be permitted if you have sufficient funds available funds in your account to cover pay the full amount of the your withdrawal orders or you have an established overdraft protection plan. Drafts or other transfer or payment orders which are drawn against insufficient available funds will be subject to a service charge, set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union we may allow permit those withdrawals for which there are sufficient available funds in any order at the Credit Union’s discretionwe choose. The Credit Union We may also refuse to allow a withdrawal in other cases; withdrawal, and will advise when required by applicable law if, for example: any (1) there is a dispute between the owners about the account owners; (unless a court has ordered the Credit Union to allow the withdrawal); 2) a legal garnishment garnishment, attachment or attachment levy is servedserved on us; (3) the account account(s) secures an any obligation owed to the Credit Unionus; (4) any required documentation has not been presentedprovided to us; or (5) you are delinquent or fail to repay pay a loan or any other obligation owed to us when due. In addition to the foregoing, if any person should instruct the Credit Union loan to make a large cash withdrawal (the definition of which shall be within the Credit Union's sole discretion) in lieu of other methods of transferring funds offered by the Credit Union, the Member hereby releases the Credit Union from any and all liability, claims and demands whatsoever which arise from or in any way relate to the Member's possession of any large sums of cash from the moment possession of same is made available to the Member; and Member will execute and deliver any further releases the Credit Union may require in connection with any such withdrawal. You may make unlimited withdrawals or transfers by mail, ATM (if available) or in person from Money Market Accounts. You may not, however, make more than a total of six transfers to other accounts or to third parties during each monthly statement period when these are made by pre-authorized or automatic agreement or telephone transfer. We reserve the right to prevent transfers which exceed the above limits or to monitor these transactions after they occur. When we observe that the number of transactions exceeds the above limits, we may contact you for corrective action. If excessive transactions continue to occur, we reserve the right to close your Account, convert it to an Account without transfer limitations, or assess a fee. Transaction Limitations and the Credit Union's Business Days. Except as may be otherwise specifically provided in our Agreements, all Transactions after our "daily cut-off time" and made on timedays that are not our business days as set forth in the Schedule will be treated, transmitted, recorded, etc., as applicable and appropriate as if received on the next business day that we are open. Deposits, orders, instructions, requests, etc., received by mail, electronically, at an unstaffed facility, or outside depository will be processed and credited only when actually received by us, and we shall have no responsibility until we actually receive the item. STOP PAYMENTS You may stop payment on a withdrawal order or on any check, except for cashiers' checks, official checks or other cash equivalent items. We must receive your stop payment order at a time and in a manner which gives us a reasonable opportunity to act on it prior to payment of the item. A VERBAL STOP PAYMENT ORDER IS VALID FOR ONLY 14 DAYS, UNLESS WE RECEIVE A WRITTEN CONFIRMATION THEREOF. A WRITTEN STOP PAYMENT ORDER ON A CHECK THAT IS NOT CONVERTED TO AN ACH TRANSACTION IS VALID FOR ONLY SIX MONTHS UNLESS IT IS RENEWED BY YOU. FOR ALL OTHER TRANSACTIONS, STOP PAYMENT ORDERS DO NOT EXPIRE. We will accept stop payment orders issued by any person with signing authority on your Account, regardless of who initiated the check or other withdrawal order, and even if more than one signature is required on a check or withdrawal order. Stop payment orders are subject to our current charge for that service. You may place a stop payment order at any branch office, by calling us at the telephone number on your statement, by writing to us at the address shown on your statement, or by any other notice method we agree to honor. We will request information about the check or other withdrawal order to be stopped, which may include but is not limited to: • Account number • Date • Name of party to be paid • Check number • Amount • Your name and address STOP PAYMENT ORDERS ARE PROCESSED BY COMPUTER. UNLESS THE AMOUNT OF THE ITEM AND OTHER INFORMATION ARE REPORTED ABSOLUTELY ACCURATELY, WE CANNOT ASSURE YOU THAT THE ITEM YOU WANT STOPPED WILL NOT BE PAID. In the event that we inadvertently pay an item over your valid stop payment order, we may refuse to re-credit your Account if you owed the money to the payee(s). You will be advised of the reasons for refusal if such action is taken. The Credit Union reserves the right required to require members to give notice in writing of any intended withdrawals from any account of not less than seven (7) days and up to sixty (60) days, as required by law, before such withdrawal. Items Presented Against Insufficient Funds. Order In Which Checks and Other Items Are Paid. In general, we pay checks and other transactions in the order in which they are presented provide evidence satisfactory to us for payment, regardless of when you issued or authorized them. Insufficient balances on your account may result from 1) checks, 2) automated clearing house (ACH) debits such as online bill payment transactions, 3) payments authorized by an owner or other withdrawal requests, 4) items deposited by an owner and returned unpaid by the paying institution, and 5) imposition of service charges. Checks and ACH debits may be presented to us in batches or data files, and are paid when we process the data file. Checks from the same account in the same data file are processed in check number order. Checks presented for payment to one of our tellers at one of our branches are processed at the time of payment. Debit card transactions are processed when they are transmitted to us, which may occur at the time of the transaction or up to several days later. The merchant or its processor determines when the transaction will be transmitted to us. When a merchant obtains authorization for a debit card transaction, we place a temporary hold against the funds in the account for the amount of your loss. If we re-credit your Account, you shall be deemed to have assigned to us all of your rights against the authorized transaction. In some casespayee(s), such as restaurantsboth on the item and on the underlying claim, gas stations, or car rental transactions, there and we may be a hold for require you to sign an initially authorized amount, but affidavit that you did not receive full value from the transaction is submitted at a different amount. You should be certain there are enough funds for which the check was issued and otherwise cooperate in your account at all times to pay checks or other transactions you authorize, or those checks or transactions will be handled according to the overdraft and insufficient funds terms of this Agreement, or paid under one of our check overdraft services if applicable. You agree that we may change these practices at any time without prior notice to you to address data processing constraints, changes in law, regulation, clearing house rules or business concerns Determination of Available Balance to Pay Items. Checks and other transactions on your account are paid based on your available balance, and not the actual balance. Your actual balance is the amount of funds in the account at a point in time based on transactions that have posted to the account at that time. Your available balance is the amount of funds in the account that are available to pay checks, ACHs, and other items presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted to your account. If an item presented for payment against your account exceeds the available balance, we will treat it as presented against non-sufficient funds even if the actual balance exceeds the amount of the itemrecovery efforts.

Transaction Limitations. The Credit Union will permit a withdrawal only if you have sufficient the available funds balance in your account is sufficient to cover the full amount of the withdrawal or you have an established optional overdraft protection planprivilege. Drafts Checks or other transfer or payment orders orders, which are drawn against insufficient exceed the available funds balance in your account, will be subject to a service chargefee, set forth in the Fee Schedule. If there are the available balance is sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union may allow those withdrawals for which there are sufficient available funds in any order at withdrawals. You agree that the Credit Union’s discretionUnion may charge an Insufficient Funds Fee for returning items presented against your account that would exceed your available balance. You further agree the Credit Union may charge an Insufficient Funds Fee each time an item is presented for payment even if the same item is presented for payment multiple times. If the second and any subsequent presentments are returned unpaid, we may charge an Insufficient Funds Fee for each time we return the item. You understand this means you could be charged multiple Insufficient Funds Fees for one check that you wrote as that check could be presented (including as an ACH debit) and returned more than once. Similarly, if you authorize a merchant (or other individual or entity) to electronically debit your account, such as an ACH debit, you understand there could be multiple submissions of the electronic request which could result in multiple Insufficient Funds Fees. You agree that the Credit Union does not determine whether and when an item will be presented for payment. Rather, the Credit Union determines whether or not the available balance is sufficient to pay a presented item. The Credit Union may also refuse to allow a withdrawal in other cases; , for example: any dispute between the owners about the account (unless a court has ordered the Credit Union to allow the withdrawal); a legal garnishment or attachment is served; the account secures an obligation to the Credit Union; any required documentation has not been presented; or you fail to repay a Credit Union loan on time. You will be advised of the reasons for refusal refusal, within a reasonable time, if such action is taken. The Credit Union reserves the right to require members to give notice in writing of any intended withdrawals from any account of not less than seven (7) days and up to sixty (60) 60 days, as required by law, before such withdrawal. Items Presented Against Insufficient Funds• ATM withdrawal limit – there is a daily limit of $500.00 cash withdraw. Order In Which Checks • POS/Debit card purchase limit – there is a daily purchase limit of $1000.00 Statutory lien or garnishment of your account(s) – Under the Federal Credit Union Act (12 U.S.C. Section 1757 (11), the Credit Union has the right to impress and Other Items Are Paid. In general, we pay checks enforce a statutory lien again your shares and other transactions dividends in the order event of your failure to satisfy a financial obligation to the Credit Union. The Credit Union may enforce that right by applying the balance of shares and dividends in which they are presented to us for payment, regardless of when you issued or authorized them. Insufficient balances on your account may result from 1account(s) checks, 2) automated clearing house (ACH) debits such as online bill payment transactions, 3) payments authorized by an owner or other withdrawal requests, 4) items deposited by an owner and returned unpaid by the paying institution, and 5) imposition of service charges. Checks and ACH debits may be presented to us in batches or data files, and are paid when we process the data file. Checks from the same account in the same data file are processed in check number order. Checks presented for payment to one of our tellers at one of our branches are processed at the time of paymentthat default in order to satisfy your obligation. Debit card We may exercise this right without further notice to you. However, shares that you have in any account that would lose special tax treatment under any law, if subject to this interest, are excluded from this interest. The Credit Union may use the account to pay the debt even if withdraw results in any interest penalty or dishonor of subsequent drafts and withdrawals. Any garnishment, levy or execution again the account is subject to the Credit Union’s statutory lien. If garnishment, levy or execution is brought upon the account, the Credit Union may refuse to allow any withdrawals until the dispute is resolved, In such a case, the Credit Union will not be liable to the member, even if paying the money to the third party leaves insufficient funds to cover outstanding drafts or withdrawals. All expenses in responding to a court order are chargeable to the member. The Credit Union has the right to charge fees in connection with its services. These fees may change from time to time. The current fee schedule is available, and the member will receive written notice of any changes. Order of Payments Checks, drafts, items and other transactions are processed when they are transmitted to us, which may occur at in the time of the transaction or up to several days laterorder that we receive them. The merchant or its processor determines when the transaction will be transmitted to us. When a merchant obtains authorization for a debit card transactionorder in which we process drafts, we place a temporary hold against the funds in the account for the amount of the authorized transaction. In some cases, such as restaurants, gas stations, or car rental transactions, there may be a hold for an initially authorized amount, but the transaction is submitted at a different amount. You should be certain there are enough funds in your account at all times to pay checks or other transactions you authorize, or those checks or transactions will be handled according to the overdraft and insufficient funds terms of this Agreement, or paid under one of our check overdraft services if applicable. You agree that we may change these practices at any time without prior notice to you to address data processing constraints, changes in law, regulation, clearing house rules or business concerns Determination of Available Balance to Pay Items. Checks items and execute other transactions on your account are paid based on your available balance, and not may affect the actual balance. Your actual balance is the total amount of overdraft and insufficient funds in the account at a point in time based on transactions fees that have posted to the account at that time. Your available balance is the amount of funds in the account that are available to pay checks, ACHs, and other items presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted may be charged to your account. If an item There are many ways transactions are presented for payment against by merchants and we are not necessarily in control of when transactions are received. We may receive multiple deposit or withdrawal transactions on your account exceeds the available balance, in many different forms throughout each business day. This means you may be charged more than one fee if multiple transactions overdraw (or attempt to overdraw) your account. You agree we will treat it as may charge an Insufficient Funds fee each time an item is presented against non-sufficient funds for payment even if the actual balance exceeds the amount of the itemsame item is presented for payment multiple times. Please contact us if you have questions about how we pay drafts and checks and process transfers and withdrawals.

Transaction Limitations. The Credit Union will permit a withdrawal only if you have sufficient available funds in your account to cover the full amount of the withdrawal or have an established overdraft protection plan. Drafts or other transfer or payment orders which are drawn against insufficient available funds will be subject to a service charge, set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union may allow those withdrawals for which there are sufficient available funds in any order at the Credit Union’s discretion. The Credit Union may also refuse to allow a withdrawal in other cases; for example: any dispute between the owners about the account (unless a court has ordered the Credit Union to allow the withdrawal); a legal garnishment or attachment is served; the account secures an obligation to the Credit Union; any required documentation has not been presented; or you fail to repay a Credit Union loan on time. You will be advised of the reasons for refusal if such action is taken. The Credit Union reserves the right to require members to give written advance notice in writing of any intended withdrawals intent to withdraw from any account Savings, Certificate or Money Market Savings Account of not less than seven (7) days in accordance with Regulation D. The Credit Union may restrict or prohibit withdrawals for any of the following reasons: If we receive notice of death or incompetence of a person having the right of withdrawal; if we suspect fraud or malfeasance; if there is a dispute between owners; if the Account secures an obligation to the Credit Union; if required documentation has not been presented; if you have failed to repay a Credit Union loan on time; or if a levy, legal garnishment or attachment is served. CREDIT UNION LIABILITY – Except for losses caused by our failure to exercise ordinary care or our failure to act in good faith, we shall not be liable for any action or inaction regarding the payment or nonpayment of items, collection of items, other withdrawals or advances of credit in satisfaction of overdrafts. OVERDRAFTS – We shall be under no obligation to pay any item, the amount of which exceeds the balance in your Account(s), but we may do so in our sole discretion. If we refuse to pay an item drawn on an Account because of insufficient funds, or if we pay an item that overdraws your Account, you will be subject to a service charge for each such item. Transactions authorized by you that may cause your account to become overdrawn include but are not limited to the following: • Checks (paper or electronic) • ACH Debits • Debit card purchases In addition, you authorize us to deduct any overdraft from your next deposit (including a Direct Deposit of Social Security or other government benefits), to withhold or to transfer funds from any other Account to which you are a party in amounts sufficient to cover any overdraft and up overdraft fees, or to sixty (60) days, as required use any other collection remedy available to us by law. You agree to pay us immediately, before such withdrawalupon demand, the amount of any overdraft(s) created in any manner in your Account(s). Items Presented Against Insufficient Funds. Order In Which Checks and Other Items Are Paid. In general, we We do not in any way obligate ourselves to pay checks and other transactions in the order in which they are presented to us for paymentany item that would overdraw your Account(s), regardless of the frequency with which we may do so as a matter of practice. If an overdraft is collected through probate, bankruptcy or other judicial proceedings, or if we deem it necessary to retain an attorney to collect the unpaid overdraft, you agree to pay, in addition, all other expenses in connection with any such proceeding, including our reasonable attorney’s fees. WITHDRAWAL OF FUNDS – Generally, unless clearly indicated otherwise on the account records, any of you, acting alone, who sign in the space designed for a signature on the Application (signature card) may withdraw or transfer all or any part of the account balance at any time. Each of you (until we receive written notice to the contrary) authorizes each other person signing the Application to endorse any item payable to you or your order for deposit to this account or any other transaction with us. You agree to only purchase and use check stock/blanks approved by the Credit Union; and you agree to sign and/or endorse check blanks using non-gel black or blue ink. We may refuse any withdrawal or transfer request that you attempt on forms not approved by us or by any method we do not specifically permit. We may refuse any withdrawal or transfer request that is greater in number than the frequency permitted, or that is for an amount greater or less than any withdrawal limitations. We will use the date the transaction is completed by us (as opposed to the date you initiate it) to apply the frequency limitations. See the Funds Availability Disclosure for information about when you issued or authorized themcan withdraw funds you deposit. Insufficient balances For those accounts to which our Funds Availability policy does not apply, you can ask us when you make a deposit when those funds will be available for withdrawal. STOP PAYMENT ORDERS – You may stop payment of items drawn on your account may result Account(s). You agree to hold us harmless from 1any claim, loss, damage or expense incurred, including attorney’s fees, by virtue of our refusing payment of any item on which you have stopped payment, as well as for payment of any item after your stop payment order has expired. A stop payment order for drafts will be effective for six (6) checks, 2) automated clearing house (ACH) debits such as online bill payment transactions, 3) payments authorized by an owner or other withdrawal requests, 4) items deposited by an owner months and returned unpaid by the paying institution, and 5) imposition of service charges. Checks and ACH debits may be presented renewed upon a request made in writing to us. A stop payment order, a renewal of any such order, or a revocation of any such order shall not be effective unless it is delivered to us in batches writing during regular business hours. Further, a stop payment order, renewal or data filesrevocation shall not be effective until we have had a reasonable opportunity to act on any such order, renewal or revocation. A stop payment order must state the precise amount, date, check number, name of payee and any other information that we may reasonably require. If that information is not provided, we will not be responsible if we are paid when we process the data file. Checks from the same account in the same data file are processed in check number order. Checks presented for payment unable to one of our tellers at one of our branches are processed at the time of stop payment. Debit card transactions are processed when they are transmitted to us, which may occur at If the time of the transaction or up to several days later. The merchant or its processor determines when the transaction will be transmitted to us. When a merchant obtains authorization for a debit card transactionorder is made orally, we place have no obligation to honor it. If we do honor an oral stop payment order, it will only be binding for fourteen (14) days after which it must be renewed in writing. Any stop payment order or renewal will incur a temporary hold against charge which is set on the funds in the account for the amount of the authorized transaction. In some cases, such as restaurants, gas stations, or car rental transactions, there may be a hold for an initially authorized amount, but the transaction is submitted at a different amount. You should be certain there are enough funds in your account at all times to pay checks or other transactions you authorize, or those checks or transactions will be handled according to the overdraft and insufficient funds terms of this Agreement, or paid under one of our check overdraft services if applicableFee Schedule. You agree that we may change these honor a stop payment order, revocation or renewal if made by the person who signed the check to be stopped or any other person who is signed on the Account Application or is otherwise authorized to transact business relating to the Account. You agree that we will not be liable for any inadvertent payment of any item, notwithstanding a stop payment order, if we have used ordinary care and followed our usual practices in handing such an order. You may not stop payment of cashier’s checks or Credit Union checks issued by us at your request. In the event that you request that we stop payment of any time without prior notice cashier’s check or Credit Union check, we shall be under no obligation to you to address data processing constraintsdo so. However, changes in law, regulation, clearing house rules or business concerns Determination of Available Balance to Pay Items. Checks and other transactions on your account are paid based on your available balance, and not the actual balance. Your actual balance is the amount of funds in the account at a point event that, in time based on transactions that have posted our option, we agree to the account at that time. Your available balance is the amount of funds in the account that are available to pay checks, ACHs, and other items presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted stop payment to your accountrequest, you will be required to provide us with an indemnity bond supported by such surety or sureties as we may deem sufficient, to indemnify us against any possible loss in connection with the presentment or payment of the original item. If an item presented for is paid over a valid stop payment against your account exceeds the available balanceorder due to our failure to exercise ordinary care, we will treat be liable to you for any loss you suffer as a result of that inadvertent payment. You agree that it as presented will be your responsibility to establish any such loss. You agree that we will never be liable for more than your actual loss and that we will not be liable for any consequential damages. If we re-credit your Account after paying an item over a valid stop payment order, you will take whatever action we deem necessary to transfer to us all of your rights against non-sufficient funds even if the actual balance exceeds the amount payee or holder of the itemitem and to assist us if we take legal action against the payee or any other person. For information concerning your right to stop payment of preauthorized electronic fund transfers, please refer to the Electronic Fund Disclosure.

Transaction Limitations. The Credit Union In accordance with applicable law, we reserve the right to require you to provide written notice of any intended withdrawals from any account(s) of not less than seven (7) but not more than sixty (60) days before the intended date of withdrawal. Withdrawals will permit a withdrawal only be permitted if you have sufficient funds available funds in your account to cover pay the full amount of the your withdrawal orders or you have an established overdraft protection plan. Drafts or other transfer or payment orders which are drawn against insufficient available funds will be subject to a service charge, set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union we may allow permit those withdrawals for which there are sufficient available funds in any order at the Credit Union’s discretionwe choose. The Credit Union We may also refuse to allow a withdrawal in other caseswithdrawal, and will advise when required by applicable law if; for example: any (1) there is a dispute between the owners about the account owners; (unless a court has ordered the Credit Union to allow the withdrawal); 2) a legal garnishment garnishment, attachment or attachment levy is servedserved on us; (3) the account account(s) secures an any obligation owed to the Credit Unionus; (4) any required documentation has not been presentedprovided to us; or (5) you are delinquent or fail to repay pay a loan or any other obligation owed to us when due. In addition to the foregoing if any person should instruct the Credit Union loan on timeto make a large cash withdrawal (the definition of which shall be within the Credit Union’s sole discretion) in lieu of other methods of transferring funds offered by the Credit Union, the Member hereby releases the Credit Union from any and all liability, claims and demands whatsoever which arise from or in any way relate to the Member’s possession of any large sums of cash from the moment possession of same is made available to the Member; and Member will execute and deliver any further releases the Credit Union may require in connection with any such withdrawal. During any calendar month, you may make withdrawals or transfers by mail, ATM (if available) or in person. You will be advised of the reasons for refusal if such action is taken. The may not, however, make more than six withdrawals or transfers to another Credit Union reserves account of yours or to a third party by means of a preauthorized, automatic, telephonic, online banking, or audio response transfer or instruction. A preauthorized transfer includes any arrangement with us to pay a third party from your account upon oral or written orders, including orders received through ACH. We will reject transactions which exceed the above limit. If excessive transactions continue to occur, we reserve the right to require members to give notice in writing of any intended withdrawals from any account of not less than seven (7) days and up to sixty (60) days, as required by law, before such withdrawal. Items Presented Against Insufficient Funds. Order In Which Checks and Other Items Are Paid. In general, we pay checks and other transactions in the order in which they are presented to us for payment, regardless of when you issued or authorized them. Insufficient balances on your account may result from 1) checks, 2) automated clearing house (ACH) debits such as online bill payment transactions, 3) payments authorized by an owner or other withdrawal requests, 4) items deposited by an owner and returned unpaid by the paying institution, and 5) imposition of service charges. Checks and ACH debits may be presented to us in batches or data files, and are paid when we process the data file. Checks from the same account in the same data file are processed in check number order. Checks presented for payment to one of our tellers at one of our branches are processed at the time of payment. Debit card transactions are processed when they are transmitted to us, which may occur at the time of the transaction or up to several days later. The merchant or its processor determines when the transaction will be transmitted to us. When a merchant obtains authorization for a debit card transaction, we place a temporary hold against the funds in the account for the amount of the authorized transaction. In some cases, such as restaurants, gas stations, or car rental transactions, there may be a hold for an initially authorized amount, but the transaction is submitted at a different amount. You should be certain there are enough funds in your account at all times to pay checks or other transactions you authorize, or those checks or transactions will be handled according to the overdraft and insufficient funds terms of this Agreement, or paid under one of our check overdraft services if applicable. You agree that we may change these practices at any time without prior notice to you to address data processing constraints, changes in law, regulation, clearing house rules or business concerns Determination of Available Balance to Pay Items. Checks and other transactions on your account are paid based on your available balance, and not the actual balance. Your actual balance is the amount of funds in the account at a point in time based on transactions that have posted to the account at that time. Your available balance is the amount of funds in the account that are available to pay checks, ACHs, and other items presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted to close your account. If Transaction Limitations and the Credit Union's Business Days: Our business days are Monday through Friday excluding legal holidays and holidays posted in the Credit Union office. Except as may be otherwise specifically provided in our Agreements, all transactions made on days that are not our business days will be treated, transmitted, recorded, etc., as applicable and appropriate as if received on the next business day that we are open. Deposits, orders, instructions, requests, etc., received by mail, electronically, at an item presented for payment against your account exceeds the available balanceunstaffed facility, or outside depository will be processed and credited only when actually received by us, and we will treat it as presented against non-sufficient funds even if the actual balance exceeds the amount of shall have no responsibility until we actually receive the item.

Transaction Limitations. The Credit Union In accordance with applicable law, we reserve the right to require you to provide written notice of any intended withdrawals from any account(s) of not less than seven (7) but not more than sixty (60) days before the intended date of withdrawal. Withdrawals will permit a withdrawal only be permitted if you have sufficient funds available funds in your account to cover pay the full amount of the your withdrawal orders or you have an established overdraft protection plan. Drafts or other transfer or payment orders which are drawn against insufficient available funds will be subject to a service charge, set forth in the Fee ScheduleOverdraft Service. If there are sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union we may allow permit those withdrawals for which there are sufficient available funds in any order at the Credit Union’s discretionwe choose. The Credit Union We may also refuse to allow a withdrawal in other caseswithdrawal, and will advise when required by applicable law if; for example: any (1) there is a dispute between the account owners, business owners about the account or Authorized Signers; (unless a court has ordered the Credit Union to allow the withdrawal); 2) a legal garnishment garnishment, attachment or attachment levy is servedserved on us; (3) the account account(s) secures an any obligation owed to the Credit Unionus; (4) any required documentation has not been presentedprovided to us; or (5) you are delinquent or fail to repay pay a loan or any other obligation owed to us when due. In addition to the foregoing if any person should instruct the Credit Union loan on timeto make a large cash withdrawal (the definition of which shall be within the Credit Union’s sole discretion) in lieu of other methods of transferring funds offered by the Credit Union, the Member hereby releases the Credit Union from any and all liability, claims and demands whatsoever which arise from or in any way relate to the Member’s possession of any large sums of cash from the moment possession of same is made available to the Member; and Member will execute and deliver any further releases the Credit Union may require in connection with any such withdrawal. You will be advised may make unlimited withdrawals or transfers by mail, ATM (if available) or in person from Money Market or Savings Accounts. You may not, however, make more than a total of the reasons for refusal if such action is takensix transfers to other accounts or to third parties during each monthly statement period when these are made by pre-authorized, automatic agreement, telephone transfer, Online Banking or Mobile Banking. The Credit Union reserves We reserve the right to require members prevent transfers which exceed the above limits or to give notice in writing of any intended withdrawals from any account of not less than seven (7) days and up to sixty (60) days, as required by law, before such withdrawal. Items Presented Against Insufficient Funds. Order In Which Checks and Other Items Are Paid. In general, we pay checks and other monitor these transactions in the order in which after they are presented to us for payment, regardless of when you issued or authorized them. Insufficient balances on your account may result from 1) checks, 2) automated clearing house (ACH) debits such as online bill payment transactions, 3) payments authorized by an owner or other withdrawal requests, 4) items deposited by an owner and returned unpaid by the paying institution, and 5) imposition of service charges. Checks and ACH debits may be presented to us in batches or data files, and are paid when we process the data file. Checks from the same account in the same data file are processed in check number order. Checks presented for payment to one of our tellers at one of our branches are processed at the time of payment. Debit card transactions are processed when they are transmitted to us, which may occur at the time of the transaction or up to several days later. The merchant or its processor determines when the transaction will be transmitted to usoccur. When a merchant obtains authorization for a debit card transaction, we place a temporary hold against observe that the funds in the account for the amount number of the authorized transaction. In some cases, such as restaurants, gas stations, or car rental transactions, there may be a hold for an initially authorized amount, but the transaction is submitted at a different amount. You should be certain there are enough funds in your account at all times to pay checks or other transactions you authorize, or those checks or transactions will be handled according to the overdraft and insufficient funds terms of this Agreement, or paid under one of our check overdraft services if applicable. You agree that we may change these practices at any time without prior notice to you to address data processing constraints, changes in law, regulation, clearing house rules or business concerns Determination of Available Balance to Pay Items. Checks and other transactions on your account are paid based on your available balance, and not the actual balance. Your actual balance is the amount of funds in the account at a point in time based on transactions that have posted to the account at that time. Your available balance is the amount of funds in the account that are available to pay checks, ACHs, and other items presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted to your account. If an item presented for payment against your account exceeds the available balanceabove limits, we will treat contact you for corrective action. If excessive transactions continue to occur, we reserve the right to close your Account or convert it as presented against non-sufficient funds even if the actual balance exceeds the amount of the itemto an Account without transfer limitations.

Transaction Limitations. The Except for your Checking Account, you may not make more than six (6) withdrawals or transfers to another Credit Union will permit Account of yours or to a withdrawal only if you have sufficient available funds in your account to cover the full amount third party by means of a pre-authorized or automatic transfer or telephonic order or instruction during any statement period. No more than three (3) of the withdrawal six (6) transfers may be made by check, draft, debit card, if applicable, or have an established overdraft protection plansimilar order to a third party. Drafts If you entered the transfer limitations set forth above in any statement period, your Account may be closed by us or other transfer or payment orders which are drawn against insufficient available funds will be subject to a service chargeany excess share withdrawal fee implemented by our Board of Directors, set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, or the Credit Union union may allow those withdrawals for which there are sufficient available funds in any order at the Credit Union’s discretion. The Credit Union may also refuse to allow a withdrawal in other cases; for example: honor any dispute between the owners about the account (unless a court has ordered the Credit Union to allow the withdrawal); a legal garnishment or attachment is served; the account secures an obligation to the Credit Union; any required documentation has not been presented; or you fail to repay a Credit Union loan on time. You will be advised of the reasons for refusal if such action is taken. The Credit Union reserves the right to require members to give notice in writing of any intended withdrawals from any account of not less than seven (7) days and up to sixty (60) days, as required by law, before such withdrawal. Items Presented Against Insufficient Funds. Order In Which Checks and Other Items Are Paid. In general, we pay checks and other transactions in the order in which they are presented to us for payment, regardless of when you issued or authorized them. Insufficient balances on your account may result from 1) checks, 2) automated clearing house (ACH) debits such as online bill payment transactions, 3) payments authorized by an owner or other withdrawal requests, 4) items deposited by an owner and returned unpaid by the paying institution, and 5) imposition of service charges. Checks and ACH debits may be presented to us in batches or data files, and are paid when we process the data file. Checks from the same account in the same data file are processed in check number order. Checks presented for payment to one of our tellers at one of our branches are processed at the time of payment. Debit card transactions are processed when they are transmitted to us, which may occur at the time of the transaction or up to several days later. The merchant or its processor determines when the transaction will be transmitted to us. When a merchant obtains authorization for a debit card transaction, we place a temporary hold against the funds in the account for the amount of the authorized transaction. In some cases, such as restaurants, gas stations, or car rental transactions, there may be a hold for an initially authorized amount, but the transaction is submitted at a different amount. You should be certain there are enough funds in your account at all times to pay checks or other transactions you authorize, or those checks or transactions will be handled according to the overdraft and insufficient funds terms of this Agreement, or paid under one of our check overdraft services if applicable. You agree that we may change these practices at any time without prior notice to you to address data processing constraints, changes in law, regulation, clearing house rules or business concerns Determination of Available Balance to Pay Items. Checks and other transactions on your account are paid based on your available balance, and not the actual balance. Your actual balance is the amount of funds in the account at a point in time based on transactions that have posted to the account at that time. Your available balance is the amount of funds in the account that are available to pay checks, ACHs, and other items presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted to your account. If an additional item presented for payment which exceeds the transaction limitations and return the excess items unpaid and marked “Refer to Maker.” Share Insurance Accounts are federally insured up to at least $250,000 by the National Credit Union Share Insurance Fund subject to federal laws and regulations. Courtesy Pay This service allows us to pay an item presented against your checking account exceeds even if it causes the available balanceaccount to become overdrawn. Courtesy Pay may provide certain account holders in “good standing” with the ability to overdraw their checking account up to $750.00. The Courtesy Pay limit includes any overdraft fees assessed. If the account has been maintained in good standing, defined as: (A) Making regular deposits sufficient to cover transactions; (B) Bringing the account to a positive balance at least once every thirty days or less, and (C) There are no legal orders outstanding on your account, we may, at our sole discretion, pay overdrafts up to the limits mentioned above, including our normal Courtesy Pay charge(s). Whether we pay or return an item, your account will treat it be assessed a fee, either as presented against nona Courtesy Pay charge or a Non-sufficient Sufficient Funds (NSF) charge but you will not be charged both fees. See Fee Schedule for current fee being charged. Although, you are not charged for using Courtesy Pay unless you have an overdraft, you may opt-out at any time. If you do not want us to pay your overdrafts, you must “opt-out”. If you receive a direct deposit social security or other federal benefit check, you must opt-out if you do not want us to apply those funds even if to repay and overdraft. To opt-out you must do so in writing with an opt-out form provided by the actual balance exceeds the amount credit union. An opt-out form may be obtained from any one of the itemour branches.

Transaction Limitations. The Credit Union will permit a withdrawal Accounts are only if you have sufficient available funds in your account to cover transferable on the full amount records of the withdrawal or have an established overdraft protection plan. Drafts or other transfer or payment orders which are drawn against insufficient available funds will be subject to a service charge, set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union may allow those withdrawals for which there are sufficient available funds in any order at the Credit Union’s discretion. The Credit Union reserves the right at any time to require 7 days written notice before any withdrawal or transfer of funds from an interest bearing account. Transfers from a savings account by preauthorized, automatic, telephone transfer, check, draft, or debit card (access methods vary by product) or similar order are limited to six per statement cycle. If your account exceeds these regulatory transfer limitations in one monthly statement period, your transfer may also be rejected. If your account is an Advantages Money Market Savings™ Account and you exceed these regulatory transfer limitations in any monthly statement period, you may be assessed a fee and your account may be subject to conversion into a non-interest bearing account. We may refuse to allow a withdrawal in other cases; some situations and will advise you accordingly for example: any (1) there is a dispute between the owners about the account owners; (unless a court has ordered the Credit Union to allow the withdrawal); 2) a legal garnishment or attachment is served; (3) the account secures an any obligation to the Credit Unionus; any (4) required documentation has not been presented; or (5) you fail to repay a Credit Union loan on time. You agree that checks made payable to a non-member are not properly payable over-the-counter and will not be cashed. Our policy is to not cash checks for non-members; however, we will exchange the check for a Teller Check Statements. We will send or make available to you, electronically or otherwise, a periodic statement showing transactions and activity on your account. You are responsible for examining each statement with reasonable promptness. If you believe there is an error, discrepancy or irregularity, you must notify us immediately. If you fail to discover and notify us of any error, discrepancy or irregularity within 60 days of when we first send or make the statement available, you le cannot make a claim against us. In the case of a change of address, you are responsible for providing us with a current address. If you do not receive a periodic statement, you agree to notify us within fourteen (14) days of the time that you regularly receive a statement. For checking accounts, you understand that your original check, when paid, becomes property of the Credit Union and will not be returned to you but copies will be advised of the reasons retained by us or by a payable-through financial institution and made available upon your request. You may be charged a fee for refusal if such action is takencheck copies. The Credit Union reserves the right to require members to give notice in writing of any intended withdrawals from any account of not less than seven (7) days and up to sixty (60) days, as required by law, before such withdrawal. Items Presented Against Insufficient Funds. Order In Which Checks and Other Items Are Paid. In general, we pay checks and other transactions Account fees are set n forth in the order in which they Fee Schedule. er Online Statements. When you request E-Statements, you agree to receive your monthly or quarterly account statements electronically. We will notify you by e-mail when your statements are presented to us available for payment, regardless of when you issued or authorized themreview. Insufficient balances on You are responsible for he providing and maintaining your account may result from 1) checks, 2) automated clearing house (ACH) debits such as online bill payment transactions, 3) payments authorized by an owner or other withdrawal requests, 4) items deposited by an owner e-mail address and returned unpaid by the paying institution, and 5) imposition of service charges. Checks and ACH debits may be presented to us in batches or data files, and are paid when we process the data file. Checks from the same account all information contained in the same data file are processed in check number order. Checks presented for payment to one of our tellers at one of our branches are processed at the time of payment. Debit card transactions are processed when they are transmitted to us, which may occur at the time of the transaction or up to several days later. The merchant or its processor determines when the transaction will be transmitted to us. When a merchant obtains authorization for a debit card transaction, we place a temporary hold against the funds in the account for the amount of the authorized transaction. In some cases, such as restaurants, gas stations, or car rental transactions, there may be a hold for an initially authorized amount, but the transaction is submitted at a different amountAccount Profile records. You should be certain there are enough funds in responsible to view, print and/or save your account at all times to pay checks or other transactions you authorize, or those checks or transactions will be handled according to the overdraft and insufficient funds terms of this Agreement, or paid under one of our check overdraft services if applicablestatement document(s) for future reference. You agree that in addition to your member account statement we may change these practices also send you d important notices and disclosures as required by law or regulation regarding your membership and accounts. These notices and disclosures may be sent separately or incorporated into the member newsletter that is made available at any the time without prior notice to your statement is available for viewing. You may be charged a nt fee if you to address data processing constraints, changes in law, regulation, clearing house rules or business concerns Determination subsequently request a paper copy of Available Balance to Pay Items. Checks and other transactions on your account are paid based on your available balance, and not the actual balance. Your actual balance is the amount of funds in the account at a point in time based on transactions that have posted to the account at that time. Your available balance is the amount of funds in the account that are available to pay checks, ACHs, and other items presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted to your account. If an item presented for payment against your account exceeds the available balance, we will treat it as presented against non-sufficient funds even if the actual balance exceeds the amount of the item.your

Transaction Limitations. The Credit Union will permit a withdrawal only if you have sufficient available funds in your account to cover the full amount of the withdrawal or you have an established overdraft protection coverage plan. Drafts Checks or other transfer or payment orders which that are drawn against insufficient sufficient available funds will be subject to a service charge, set forth in the Fee ScheduleSchedule of Fees and Charges. If there are sufficient insufficient available funds to cover some but not all of your withdrawal orders, the Credit Union may allow those withdrawals for which there are sufficient insufficient available funds in any order at the Credit Union’s its sole discretion. The Credit Union may also refuse to allow a withdrawal in other cases; for example: if there is any dispute between the owners about the account (unless a court has ordered the Credit Union to allow the withdrawal); if a legal garnishment garnishment, levy or attachment is served; if the account secures an obligation to the Credit Union; if any required documentation has not been presented; or if you fail to repay a Credit Union loan on time. You will be advised of the reasons for refusal if such action is taken. The Credit Union reserves the right to require members to give notice in writing of any intended withdrawals from any account (except checking accounts) of not less than seven (7) days and up to sixty (60) 60 days, as required by law, before such withdrawalwithdrawal.‌‌‌ Transfer Limitations For savings accounts, you may make up to six (6) preauthorized, automatic, telephonic, audio response or overdraft transfers to another account of yours or to a third party during any calendar month. Items Presented Against Insufficient Funds. Order In Which Checks and Other Items Are Paid. In generalA preauthorized transfer includes any arrangement with the Credit Union to pay a third party from the member’s account upon oral or written orders, we pay checks and other transactions in including orders received through the order in which they are presented to us for payment, regardless of when you issued or authorized them. Insufficient balances on your account may result from 1) checks, 2) automated clearing house (ACH). There is no limit on the number of transactions you may make in the following manner: (i) debits transfers to any loan account with the Credit Union; (ii) transfers to another Credit Union account or withdrawals (checks mailed directly to you) when such as online bill payment transactionstransfer or withdrawal is initiated in person, 3) payments authorized by mail or at an owner ATM. If a transfer request would exceed the transfer limitations set forth above in any statement period, the Credit Union may refuse or other withdrawal requestsreverse the transfer, 4) items deposited by an owner and returned unpaid your account will be subject to suspension or closure by the paying institution, Credit Union and 5) imposition of service charges. Checks and ACH debits may be presented to us in batches or data files, and are paid when we process the data file. Checks from the same account in the same data file are processed in check number order. Checks presented for payment to one of our tellers at one of our branches are processed at the time of payment. Debit card transactions are processed when they are transmitted to us, which may occur at the time of the transaction or up to several days later. The merchant or its processor determines when the transaction will be transmitted to us. When impose a merchant obtains authorization for a debit card transaction, we place a temporary hold against the funds in the account for the amount of the authorized transaction. In some cases, such as restaurants, gas stations, or car rental transactions, there may be a hold for an initially authorized amount, but the transaction is submitted at a different amount. You should be certain there are enough funds in your account at all times to pay checks or other transactions you authorize, or those checks or transactions will be handled according to the overdraft and insufficient funds terms of this Agreement, or paid under one of our check overdraft services if applicable. You agree that we may change these practices at any time without prior notice to you to address data processing constraints, changes in law, regulation, clearing house rules or business concerns Determination of Available Balance to Pay Items. Checks and other transactions on your account are paid based on your available balance, and not the actual balance. Your actual balance is the amount of funds in the account at a point in time based on transactions that have posted to the account at that time. Your available balance is the amount of funds in the account that are available to pay checks, ACHs, and other items presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted to your account. If an item presented for payment against your account exceeds the available balance, we will treat it as presented against non-sufficient funds even if the actual balance exceeds the amount of the itemcharge.

Transaction Limitations. The Credit Union In accordance with applicable law, we reserve the right to require you to provide written notice of any intended withdrawals from any account(s) of not less than seven (7) but not more than sixty (60) days before the intended date of withdrawal. Withdrawals will permit a withdrawal only be permitted if you have sufficient funds available funds in your account to cover pay the full amount of the your withdrawal orders or you have an established overdraft protection plan. Drafts or other transfer or payment orders which are drawn against insufficient available funds will be subject to a service charge, set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union we may allow permit those withdrawals for which there are sufficient available funds in any order at the Credit Union’s discretionwe choose. The Credit Union We may also refuse to allow a withdrawal in other caseswithdrawal, and will advise when required by applicable law if; for example: any (1) there is a dispute between the owners about the account owners; (unless a court has ordered the Credit Union to allow the withdrawal); 2) a legal garnishment garnishment, attachment or attachment levy is servedserved on us; (3) the account account(s) secures an any obligation owed to the Credit Unionus; (4) any required documentation has not been presentedprovided to us; or (5) you are delinquent or fail to repay pay a loan or any other obligation owed to us when due. In addition to the foregoing, if any person should instruct the Credit Union loan on time. You will to make a large cash withdrawal (the definition of which shall be advised within the Credit Union’s sole discretion) in lieu of other methods of transferring funds offered by the reasons for refusal if such action is taken. The Credit Union, the Member hereby releases the Credit Union reserves from any and all liability, claims and demands whatsoever which arise from or in any way relate to the right to require members to give notice in writing Member’s possession of any intended withdrawals large sums of cash from the moment possession of same is made available to the Member; and Member will execute and deliver any account of not less than seven (7) days and up to sixty (60) days, as required by law, before further releases the Credit Union may require in connection with any such withdrawal. Items Presented Against Insufficient Funds. Order In Which Checks and Other Items Are Paid. In generalYou may withdraw or transfer funds from your account(s) in any manner we permit (e.g., we pay checks and other transactions at an automated teller machine, in person, by mail, Internet access, automatic transfer, or telephone, as applicable), however, in the Share/savings account(s), you may make no more than six (6) transfers and withdrawals from your account to another account of yours or to a third party in any month by means of a preauthorized, automatic, or Internet transfer, by telephonic order in which they are presented to us for paymentor instruction, regardless of when or by check, draft, debit card or similar order. If you issued or authorized them. Insufficient balances on exceed these limitations, your account may result from 1) checksbe subject to a fee or be closed. Except as may be otherwise specifically provided in our Agreements, 2) automated clearing house (ACH) debits such all Transactions after our "daily cut-off time" and made on days that are not our business days as online bill payment transactionsset forth in the Schedule will be treated, 3) payments authorized by an owner or other withdrawal transmitted, recorded, etc., as applicable and appropriate as if received on the next business day that we are open. Deposits, orders, instructions, requests, 4) items deposited etc., received by mail, electronically, at an owner unstaffed facility, or outside depository will be processed and returned unpaid credited only when actually received by the paying institutionus, and 5we shall have no responsibility until we actually receive the item. STOP PAYMENT ORDERS - Stop Payment Order Request Any owner may request a stop payment order on any ACH (Automated Clearing House) imposition of service chargestransaction, check or draft drawn or remotely created on the owner's account. Checks and ACH debits may To be presented to us in batches binding, the order must accurately describe the ACH, check or data filesdraft, including the exact account number, the ACH, check or draft number, if applicable, and are paid when we process the data file. Checks from the same account in the same data file are processed in check number order. Checks presented for payment to one of our tellers at one of our branches are processed at the time of payment. Debit card transactions are processed when they are transmitted to us, which may occur at the time of the transaction or up to several days later. The merchant or its processor determines when the transaction will be transmitted to us. When a merchant obtains authorization for a debit card transaction, we place a temporary hold against the funds in the account for the exact amount of the authorized transactionACH, check or draft, the ACH order must also be in writing, dated and signed. This exact information is necessary for the Credit Union's computer to identify the ACH, check or draft. If we receive incorrect or incomplete information, we will not be responsible for failing to stop payment on the check or draft. In some casesaddition, such as restaurantswe must receive sufficient advance notice of the stop payment order to allow us a reasonable opportunity to act on it. If we re-credit your account after paying an ACH, gas stationscheck or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to assign to us all of your rights against the payee or other holders of the ACH, check or draft, and to assist us in any legal action. Duration of Order Written stop payment orders for checks or drafts are effective for six (6) months and may be renewed for additional six (6) month periods by requesting in writing that the stop payment order be renewed within a period during which the stop payment order is effective. We are not required to notify you when a stop payment order expires. Liability Fees for stop payment orders are set forth in the Truth-in-Savings Disclosure or Schedule of Fees and Charges. You may not stop payment on any certified check, cashier's check, teller's check, or car rental transactionsany other check, there draft, or payment guaranteed by us. Although payment of an item may be a hold for an initially authorized amountstopped, but the transaction is submitted at a different amount. You should be certain there are enough funds in your account at all times you may remain liable to pay checks or other transactions you authorizeany item holder, or those checks or transactions will be handled according to the overdraft and insufficient funds terms of this Agreement, or paid under one of our check overdraft services if applicableincluding us. You agree that we may change these practices at any time without prior notice to you indemnify and hold the Credit Union harmless from all costs, including attorney's fees, damages, or claims related to address data processing constraintsour refusing payment of an item, changes in law, regulation, clearing house rules or business concerns Determination of Available Balance to Pay Items. Checks and other transactions on your account are paid based on your available balance, and not the actual balance. Your actual balance is the amount of funds in the account at a point in time based on transactions that have posted to the account at that time. Your available balance is the amount of funds in the account that are available to pay checks, ACHs, and other items presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the actual balance, less the amount including claims of any holds placed on recent depositsjoint account owner, holds placed for other reasonspayee, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted or endorsee in failing to your account. If stop payment of an item presented for payment against your account exceeds the available balance, we will treat it as presented against non-sufficient funds even if the actual balance exceeds the amount a result of the itemincorrect information provided by you.

Transaction Limitations. The Except for share draft Accounts, during any calendar month, You may not make more than six withdrawals from or transfers to another Credit Union will permit Account of Yours or to a withdrawal only if you have sufficient available funds in your account to cover the full amount third party by means of the withdrawal a pre-authorized or have an established overdraft protection plan. Drafts or other automatic transfer or payment orders which are drawn against insufficient available funds will telephonic order or instruction, or by check, draft, debit card, if applicable, or similar order to a third party. If You exceed these limitations, Your Account may be subject to a service charge, set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union may allow those withdrawals for which there are sufficient available funds in any order at closure by the Credit Union’s discretion. The Credit Union may also refuse to allow a withdrawal in other cases; Additionally, except for example: any dispute between share draft Accounts, the owners about the account (unless a court has ordered the Credit Union to allow the withdrawal); a legal garnishment or attachment is served; the account secures an obligation to the Credit Union; any required documentation has not been presented; or you fail to repay a Credit Union loan on time. You will be advised of the reasons for refusal if such action is taken. The Credit Union reserves the right to require members a member intending to make a withdrawal to give written notice in writing of any intended withdrawals from any account of such intent not less than seven (7) days 7 and up to sixty (60) days, as required by law, 60 days before any such withdrawal. Items Presented Against Insufficient FundsNonsufficient Funds Returns. Order In Which Checks Any share draft or pre-authorized transfer, or transaction made through the use of a debit card, or other electronic means, as is applicable (including any in-person transaction), that is presented to Us for payment on Your Account when Your Account lacks sufficient collected funds to pay any such item may, at Our option, be returned for nonsufficient funds or We may honor any such item and Other Items Are Paidcharge You a fee for doing so. In generalOverdraft Balance Calculation. When processing transactions that debit or credit Your Account, we pay checks We start each Business Day with Your final Account balance from the preceding Business Day. The final balance takes into account all of the debit and credit transactions that were settled that Business Day pursuant to Our Funds Availability Policy, as well as any other transactions debits or credits to Your Account that were finally settled that day, as described above in the order in which they "Deposit of Items" and "Collection and Processing of Items" sections of the Account Agreement. This starting balance at the beginning of a Business Day (the preceding Business Day’s final balance) is sometimes referred to as Your "actual balance." As credits and debits to Your Account are received by Us, We add them to and subtract them from Your actual balance. Examples of credits include, but are not limited to, electronic direct deposits, check deposits that have been fully and finally collected, ACH credits that have settled that day, and cash deposits made to one of Our tellers. Examples of debits include, but are not limited to, checks drawn on Your Account that are presented to us Us for payment, regardless of when you issued or authorized them. Insufficient balances on your account may result from 1electronic fund transfer (EFT) checks, 2) automated clearing house (ACH) debits such as online bill payment transactions, 3) payments authorized by an owner or other withdrawal requests, 4) items deposited by an owner and returned unpaid by the paying institution, and 5) imposition of service charges. Checks and ACH debits may be presented to us in batches or data files, and are paid when we process the data file. Checks from the same account in the same data file are processed in check number order. Checks presented for payment to one of our tellers at one of our branches are processed at the time of payment. Debit card transactions are processed when they are transmitted to us, which may occur at the time of the transaction or up to several days later. The merchant or its processor determines when the transaction will be transmitted to us. When a merchant obtains authorization for a debit card transaction, we place a temporary hold against the funds in the account for the amount of the authorized transaction. In some cases, such as restaurants, gas stations, or car rental transactions, there may be a hold for an initially authorized amount, but the transaction is submitted at a different amount. You should be certain there are enough funds in your account at all times to pay checks or other transactions you authorize, or those checks or transactions will be handled according to the overdraft and insufficient funds terms of this Agreement, or paid under one of our check overdraft services if applicable. You agree that we may change these practices at any time without prior notice to you to address data processing constraints, changes in law, regulation, clearing house rules or business concerns Determination of Available Balance to Pay Items. Checks and other transactions on your account are paid based on your available balance, and not the actual balance. Your actual balance is the amount of funds in the account at a point in time based on transactions that have posted to the account at that time. Your available balance is the amount of funds in the account that are available to pay checks, ACHs, and other items presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) preauthorized payments and settled EFT debits), memo-posted EFT debits (EFT debits that we We have authorized but that which have not yet posted been settled), and Credit Union fees and charges. The result of this calculation at any given point in time is called Your "available balance." For the purpose of determining whether an overdraft has occurred, We use Your available balance. First, We add all of the settled credit transactions to your accountthe beginning actual balance. If Then, We subtract all of the debit transactions that settled that day. We also subtract all of the pending debit transactions. This determines the available balance for overdraft purposes. Each debit transaction that We process when Your Account has a negative available balance is an overdraft, subject to an overdraft charge. Subject to applicable law, You are responsible for paying any overdraft fees and charges assessed in connection with Our payment of an overdraft, as well as any NSF fees charged to Your Account when We dishonor and return an item presented for payment against your account exceeds the available non- sufficient funds. It is Your responsibility to know Your Account balance, we will treat it as presented against non-sufficient funds even and if the actual balance exceeds the amount of the itemYou have any questions You should contact a Credit Union representative.

Transaction Limitations. Withdrawal Restrictions. The Credit Union will permit a withdrawal only if you have sufficient available funds in your account to cover the full amount of the withdrawal or have an established overdraft protection plan. Drafts Certain transactions such as debit card preauthorization holds and deposited check holds can impact the available balance on your account. Checks, transfers or other transfer or payment orders which that are drawn against insufficient available funds will may be subject to a service charge, charge up to the amount set forth in the Fee ScheduleRate Addendum, Truth in Savings Disclosures and Schedule of Fees and Charges. If there are sufficient available funds to cover some but not all of your withdrawal orders, the Credit Union may allow those withdrawals for which there are sufficient available funds in any order at the Credit Union’s 's discretion. The Credit Union may also refuse to allow a withdrawal in other cases; for . For example: , any dispute between the owners about the account (unless a court has ordered the Credit Union to allow the withdrawal); a legal garnishment or attachment is served; the account secures an obligation to the Credit Union; any required documentation has not been presented; or you fail to repay a Credit Union loan on time. You will may be advised of the reasons for refusal if such action is taken. The Credit Union reserves the right to require members to give notice in writing of any intended withdrawals from any account (except checking accounts) of not no less than seven (7) days and up to sixty (60) days, as required by law, before such withdrawal. Items Presented Against Insufficient FundsTransfer Limitations. Order In Which Checks We may limit the dollar amount or the number of transfers from your account. Please consult your Truth-in-Savings Disclosure or your Electronic Fund Transfers Agreement and Other Items Are PaidDisclosure. In generalOVERDRAFT/COURTESY PAY Overdraft Liability. If on any day, we pay the available funds in your Checking account are not sufficient to cover checks and other transactions items posted to your account, those checks and items will be handled in accordance with our overdraft procedures. The Credit Union's determination of an insufficient available account balance may be made at any time between presentation and the Credit Union's processing deadline with only one review of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge an insufficient funds (NSF) fee for an item whether paid or returned as set forth in the order in which they are presented Schedule of Fees. We may charge you an NSF fee each time an item is submitted to us for payment, regardless of when you issued or authorized them. Insufficient balances on payment from your account may result from 1) checks, 2) automated clearing house (ACH) debits such as online bill payment transactions, 3) payments authorized by an owner or other withdrawal requests, 4) items deposited by an owner and returned unpaid by the paying institution, and 5) imposition of service charges. Checks and ACH debits may be presented to us in batches or data files, and are paid when we process the data file. Checks from the same account in the same data file are processed in check number order. Checks presented for payment to one of our tellers at one of our branches are processed at the time of payment. Debit card transactions are processed presentment your account does not have sufficient available funds or when they are transmitted to uswe return, which may occur at the time of the transaction or up to several days later. The merchant or its processor determines when the transaction will be transmitted to us. When a merchant obtains authorization for a debit card transaction, we place a temporary hold against the funds in the account for the amount of the authorized transaction. In some cases, such as restaurants, gas stationsreverse, or car rental transactions, there may be a hold for an initially authorized amount, but the transaction is submitted at a different amount. You should be certain there are enough funds in your account at all times decline to pay checks or an item for any other transactions you authorize, or those checks or transactions will be handled according to reason authorized by the overdraft terms and insufficient funds terms of this Agreement, or paid under one of our check overdraft services if applicable. You agree that we may change these practices at any time without prior notice to you to address data processing constraints, changes in law, regulation, clearing house rules or business concerns Determination of Available Balance to Pay Items. Checks and other transactions on your account are paid based on your available balance, and not the actual balance. Your actual balance is the amount of funds in the account at a point in time based on transactions that have posted to the account at that time. Your available balance is the amount of funds in the account that are available to pay checks, ACHs, and other items presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted to conditions governing your account. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraft, does not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time. If the Credit Union pays an item presented for payment against that would otherwise overdraw your account exceeds account, you agree to pay the available balanceoverdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, we will treat it as presented against including giving a payor bank extra time beyond any processing deadline limits. Courtesy Pay Courtesy Pay is a non-sufficient funds even if contractual, discretionary, service of paying overdrafts. It is not a loan. Courtesy Pay protects your financial standing and provides a measure of protection against human error. Courtesy Pay is an overdraft program offered by the actual balance exceeds Credit Union in addition to our other types of overdraft protection (i.e. overdraft tied to a Savings account or an overdraft line of credit). Courtesy Pay is available only on personal Checking Accounts. All members who meet the amount of the item.following criteria are automatically enrolled in Courtesy Pay:

Transaction Limitations. The Except for your Checking Account, you may not make more than six (6) withdrawals or transfers to another Credit Union will permit Account of yours or to a withdrawal only if you have sufficient available funds in your account to cover the full amount third party by means of a pre-authorized or automatic transfer or telephonic order or instruction during any statement period. No more than three (3) of the withdrawal six (6) transfers may be made by check, draft, debit card, if applicable, or have an established overdraft protection plansimilar order to a third party. Drafts If you entered the transfer limitations set forth above in any statement period, your Account may be closed by us or other transfer or payment orders which are drawn against insufficient available funds will be subject to a service chargeany excess share withdrawal fee implemented by our Board of Directors, set forth in the Fee Schedule. If there are sufficient available funds to cover some but not all of your withdrawal orders, or the Credit Union union may allow those withdrawals for which there are sufficient available funds in any order at the Credit Union’s discretion. The Credit Union may also refuse to allow a withdrawal in other cases; for example: honor any dispute between the owners about the account (unless a court has ordered the Credit Union to allow the withdrawal); a legal garnishment or attachment is served; the account secures an obligation to the Credit Union; any required documentation has not been presented; or you fail to repay a Credit Union loan on time. You will be advised of the reasons for refusal if such action is taken. The Credit Union reserves the right to require members to give notice in writing of any intended withdrawals from any account of not less than seven (7) days and up to sixty (60) days, as required by law, before such withdrawal. Items Presented Against Insufficient Funds. Order In Which Checks and Other Items Are Paid. In general, we pay checks and other transactions in the order in which they are presented to us for payment, regardless of when you issued or authorized them. Insufficient balances on your account may result from 1) checks, 2) automated clearing house (ACH) debits such as online bill payment transactions, 3) payments authorized by an owner or other withdrawal requests, 4) items deposited by an owner and returned unpaid by the paying institution, and 5) imposition of service charges. Checks and ACH debits may be presented to us in batches or data files, and are paid when we process the data file. Checks from the same account in the same data file are processed in check number order. Checks presented for payment to one of our tellers at one of our branches are processed at the time of payment. Debit card transactions are processed when they are transmitted to us, which may occur at the time of the transaction or up to several days later. The merchant or its processor determines when the transaction will be transmitted to us. When a merchant obtains authorization for a debit card transaction, we place a temporary hold against the funds in the account for the amount of the authorized transaction. In some cases, such as restaurants, gas stations, or car rental transactions, there may be a hold for an initially authorized amount, but the transaction is submitted at a different amount. You should be certain there are enough funds in your account at all times to pay checks or other transactions you authorize, or those checks or transactions will be handled according to the overdraft and insufficient funds terms of this Agreement, or paid under one of our check overdraft services if applicable. You agree that we may change these practices at any time without prior notice to you to address data processing constraints, changes in law, regulation, clearing house rules or business concerns Determination of Available Balance to Pay Items. Checks and other transactions on your account are paid based on your available balance, and not the actual balance. Your actual balance is the amount of funds in the account at a point in time based on transactions that have posted to the account at that time. Your available balance is the amount of funds in the account that are available to pay checks, ACHs, and other items presented against the account without incurring an overdraft or non-sufficient funds fee or transferring funds from another account. The available balance is generally equal to the actual balance, less the amount of any holds placed on recent deposits, holds placed for other reasons, and holds for pending transactions (such as debit card purchases) that we have authorized but that have not yet posted to your account. If an additional item presented for payment which exceeds the transaction limitations and return the excess items unpaid and marked “Refer to Maker.” Share Insurance Accounts are federally insured up to at least $250,000 by the National Credit Union Share Insurance Fund subject to federal laws and regulations. Courtesy Pay This service allows us to pay an item presented against your checking account exceeds even if it causes the available balanceaccount to become overdrawn. Courtesy Pay may provide certain account holders in “good standing” with the ability to overdraw their checking account up to $750.00. The Courtesy Pay limit includes any overdraft fees assessed. If the account has been maintained in good standing, defined as: (A) Making regular deposits sufficient to cover transactions; (B) Bringing the account to a positive balance at least once every thirty days or less, and (C) There are no legal orders outstanding on your account, we may, at our sole discretion, pay overdrafts up to the limits mentioned above, including our normal Courtesy Pay charge(s). Whether we pay or return an item, your account will treat it be assessed a fee, either as presented against nona Courtesy Pay charge or a Non-sufficient Sufficient Funds (NSF) charge but you will not be charged both fees. See Fee Schedule for current fee being charged. Although, you are not charged for using Courtesy Pay unless you have an overdraft, you may opt-out at any time. If you do not want us to pay your overdrafts, you must “opt-out”. If you receive a direct deposit social security or other federal benefit check, you must opt- out if you do not want us to apply those funds even if to repay and overdraft. To opt-out you must do so in writing with an opt-out form provided by the actual balance exceeds the amount credit union. An opt- out form may be obtained from any one of the itemour branches.