Common use of YOUR RIGHTS AND RESPONSIBILITIES Clause in Contracts

YOUR RIGHTS AND RESPONSIBILITIES. The Electronic Fund Transfers we are capable of handling are indicated below (some may not apply to Your Account). Please read this disclosure carefully because it tells you Your rights and obligations for these transactions. You should keep this notice for future reference. Direct Deposits – You may make arrangements for certain direct deposits to be accepted into Your Share Draft Account. Preauthorized Withdraws – You may make arrangements to pay certain recurring bills from Your Share Draft Account. Before starting direct deposits or preauthorized withdrawals, call the Credit Union to verify Your electronic account number. ATM card transactions – You may access Your Account(s) by ATM using your ATM card and personal identification number (PIN) to:  Transfer funds from regular share account(s) to draft account(s) with an ATM card.  Transfer funds from draft account(s) to regular share account(s) with an ATM card.  Make deposits to regular share and draft account(s) with an ATM card.  Get cash withdrawals from draft or regular share account(s) with an ATM card.  Get information about your draft or regular share account(s) with an ATM card. Some of these services may not be available at all terminals. MasterMoney point-of-sale transactions – types of transactions – You may access your account(s) by ATM using your MasterMoney card and your personal identification number (PIN):  Deposit funds to draft account or share accounts.  Withdraw cash from draft accounts or share accounts.  Make payments from draft accounts.  Get balance information about draft accounts or share accounts.  Transfer funds from draft accounts or share accounts to draft accounts or share accounts. Please also see the “Limitations on frequency of transfers” section regarding limitations that apply to debit card transactions. MasterMoney point-of-sale transactions – types of transactions – You may access Your draft account(s) by debit card to:  Purchase goods in person, online or by phone  Pay for services in person, online or by phone  Get cash from a participating merchant or financial institution. Please see the “limitations on frequency of transfers” section regarding limitations that apply to debit card transactions.

YOUR RIGHTS AND RESPONSIBILITIES. The Electronic Fund Transfers we are capable of handling are indicated below (some may not apply to Your Account). Please read this disclosure carefully because it tells you Your rights and obligations for these transactions. You should keep this notice for future reference. Direct Deposits – You may make arrangements for certain direct deposits to be accepted into Your Share Draft Account. Preauthorized Withdraws – You may make arrangements to pay certain recurring bills from Your Share Draft Account. Before starting direct deposits or preauthorized withdrawals, call the Credit Union to verify Your electronic account number. ATM card transactions – You may access Your Account(s) by ATM using your ATM card and personal identification number (PIN) to:  Transfer funds from regular share account(s) to draft account(s) with an ATM card.  Transfer funds from draft account(s) to regular share account(s) with an ATM card.  Make deposits to regular share and draft account(s) with an ATM card.  Get cash withdrawals from draft or regular share account(s) with an ATM card.  Get information about your draft or regular share account(s) with an ATM card. Some of these services may not be available at all terminals. MasterMoney MasterCard point-of-sale transactions – types of transactions – You may access your account(s) by ATM using your MasterMoney MasterCard ATM/Debit card and your personal identification number (PIN):  Deposit funds to draft account or share accounts.  Withdraw cash from draft accounts or share accounts.  Make payments from draft accounts.  Get balance information about draft accounts or share accounts.  Transfer funds from draft accounts or share accounts to draft accounts or share accounts. Please also see the “Limitations on frequency of transfers” section regarding limitations that apply to debit card transactions. MasterMoney MasterCard point-of-sale transactions – types of transactions – You may access Your draft account(s) by debit card to:  Purchase goods in person, online or by phone  Pay for services in person, online or by phone  Get cash from a participating merchant or financial institution. Please see the “limitations on frequency of transfers” section regarding limitations that apply to debit card transactions.

YOUR RIGHTS AND RESPONSIBILITIES. The Electronic Fund Transfers we are capable of handling are indicated below (some may not apply to Your Account). Please read this disclosure carefully because it tells you Your rights and obligations for these transactions. You should keep this notice for future reference. Direct Deposits – You may make arrangements for certain direct deposits to be accepted into Your Share Draft Account. Preauthorized Withdraws – You may make arrangements to pay certain recurring bills from Your Share Draft Account. Before starting direct deposits or preauthorized withdrawals, call the Credit Union to verify Your electronic account number. ATM card transactions – You may access Your Account(s) by ATM using your ATM card and personal identification number (PIN) to:  • Transfer funds from regular share account(s) to draft account(s) with an ATM card.  • Transfer funds from draft account(s) to regular share account(s) with an ATM card.  • Make deposits to regular share and draft account(s) with an ATM card.  • Get cash withdrawals from draft or regular share account(s) with an ATM card.  • Get information about your draft or regular share account(s) with an ATM card. Some of these services may not be available at all terminals. MasterMoney MasterCard point-of-sale transactions – types of transactions – You may access your account(s) by ATM using your MasterMoney MasterCard ATM/Debit card and your personal identification number (PIN):  • Deposit funds to draft account or share accounts.  • Withdraw cash from draft accounts or share accounts.  • Make payments from draft accounts.  • Get balance information about draft accounts or share accounts.  • Transfer funds from draft accounts or share accounts to draft accounts or share accounts. Please also see the “Limitations on frequency of transfers” section regarding limitations that apply to debit card transactions. MasterMoney MasterCard point-of-sale transactions – types of transactions – You may access Your draft account(s) by debit card to:  • Purchase goods in person, online or by phone  • Pay for services in person, online or by phone  • Get cash from a participating merchant or financial institution. Please see the “limitations on frequency of transfers” section regarding limitations that apply to debit card transactions.

YOUR RIGHTS AND RESPONSIBILITIES. The Indicated below are types of Electronic Fund Funds Transfers we are capable of handling are indicated below (handling, some of which may not apply to Your Account)your account. Please read this disclosure carefully because it tells you Your your rights and obligations for these transactionsthe transactions listed. You should keep this notice for future reference. Direct Deposits – Preauthorized credits. You may make arrangements for certain direct deposits (such as U.S. Treasury (Social Security) or some employers (payroll)) to be accepted into Your Share Draft Accountyour checking or share savings account(s). Preauthorized Withdraws – payments. You may make arrangements to pay certain recurring bills from Your Share Draft Accountyour checking or share savings account(s). Before starting direct deposits You may authorize a merchant or preauthorized withdrawals, call the Credit Union other payee to verify Your make a one-time electronic payment from your checking account numberusing information from your check to pay for purchases and/or pay bills. ATM card We also can process electronic check transactions – and conversions and any merchant fees associated with re-presented checks. Express-24 Telephone Transfers - types of transfers - You may access Your Account(syour account by telephone 24 hours a day at (000) 000-0000 or 0-000-000-0000 using your personal identification number, a touch tone phone, and your account numbers, to: -transfer funds between accounts -make payments to loan accounts with us -get information on balances, last deposit amounts, etc. Please note that services may vary by type of account. Please inquire of an account service representative for full details on services available on your account. Credit Union EXPRESS 24 ATM Transfers (Star, Cirrus, CO-OP Network) - types of transfers and frequency and dollar limitations: You may access your account(s) by ATM using your ATM Credit Union EXPRESS 24 card or EXPRESS CheckCard and personal identification number (PIN) number, to:  Transfer funds -get cash withdrawals from regular checking and share account(s) to draft savings account(s) with an ATM card or debit card.  Transfer You may withdraw no more than $1,015.00 in cash per day -transfer funds from draft share savings to checking account(s) (and vice-versa) with an ATM card or debit card -transfer funds from line of credit to regular checking or share savings account(s) with an ATM cardcard or debit card On-line transfers performed at point of sale merchants or ATM terminals may advance your Overdraft Protection Plan tied to a line of credit or savings account.  Make deposits to regular -make payments from checking or share and draft savings account(s) with an ATM card.  Get cash withdrawals from draft card or regular share account(s) debit card to line of credit -make payments enclosed at proprietary ATMs -get information about the account balance of your checking, savings, or line of credit accounts with an ATM card.  Get information about your draft card or regular share account(s) with an ATM card. debit card 2 Some of these services may not be available at all terminals. MasterMoney point-of-sale transactions – types Types of transactions – EXPRESS CheckCard Debit Card Transactions - You may access your account(s) by ATM using your MasterMoney card and your personal identification number (PIN):  Deposit funds checking account at participating point of sale merchants to draft account or share accountspurchase goods, pay for services, receive cash back from a merchant, if the merchant permits.  Withdraw cash from draft accounts or share accounts.  Make payments from draft accounts.  Get balance information about draft accounts or share accounts.  Transfer funds from draft accounts or share accounts to draft accounts or share accounts. Please also see the “Limitations on frequency of transfers” section regarding limitations that apply to debit card transactions. MasterMoney point-of-sale transactions – types of transactions – You may also access Your draft account(s) by debit card to:  Purchase goods your share savings account at participating merchants who offer cash withdrawals at their courtesy counter. Card purchases may be made for the amount available in personyour account, online or by phone  Pay for services in person, online or by phone  Get cash from a participating merchant or financial institution. Please see the “limitations on frequency of transfers” section regarding limitations that apply not to debit card transactionsexceed $5,000 per day.