Common use of Online Banking and Mobile Banking Clause in Contracts

Online Banking and Mobile Banking. With Online Banking and Mobile Banking, you may use your user identification (User ID) and password to access your Account through the internet by logging onto our website at ▇▇▇.▇▇▇▇.▇▇▇ or an internet connection with an internet enabled mobile device (e.g. smartphone or tablet), 24 hours a day, to: • Obtain rates and annual percentage yields for Share and Deposit Accounts, cleared check information, transaction history activity, and loan annual percentage rates. • Make balance inquiries on your Share, Savings, Money Market, Certificates of Deposit, IRA, and Loan Accounts. • Make bill payments to preauthorized creditors. • Transfer funds between your Share, Savings, Money Market, and Checking Accounts. • Transfer funds from another Share, Savings, Money Market, and Checking Accounts on which you are a Joint Owner. • Transfer funds from your Share, Savings, Money Market, and Checking Accounts to another member Account. • Transfer funds between and from your Share, Savings, Money Market and Checking Account to your Account held with another financial institution. • Transfer a Line of Credit advance, (if approved) to your Share, Savings, Money Market, and Checking Accounts. • Place a stop payment order on a check you have written against your Account. • Request a check for a withdrawal from your Share, Savings, Money Market and Checking Accounts. • Reorder checks for your Checking Account. • Obtain an estimate of a loan payment for a proposed loan. • Obtain tax information on Shares, Savings, Deposits and Loan Accounts. • Obtain a statement of recent transactions on your Accounts. • Choose to receive e-statements only. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, or lower an Account below a required balance. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. This service may be interrupted periodically for system maintenance and in other circumstances beyond our control. Some of these services may not be available for all Accounts. Refer to your Online Master Banking Terms and Conditions Agreement and Bill Pay Agreement for additional terms, conditions, disclosures, and transfer limitations, as set forth in these separate agreements.

Online Banking and Mobile Banking. With Online Banking and Mobile Banking, you may use your user identification (User ID) and password to access your Account through the internet by logging onto our website at ▇▇▇.▇▇▇▇.▇▇▇ or an internet connection with an internet enabled mobile device (e.g. smartphone or tablet), 24 hours a day, to: • Obtain rates and annual percentage yields for Share and Deposit Accounts, cleared check information, transaction history activity, and loan annual percentage rates. • Make balance inquiries on your Share, Savings, Money Market, Certificates of Deposit, IRA, and Loan Accounts. • Make bill payments to preauthorized creditors. • Transfer funds between your Share, Savings, Money Market, and Checking Accounts. • Transfer funds from another Share, Savings, Money Market, and Checking Accounts on which you are a Joint Owner. • Transfer funds from your Share, Savings, Money Market, and Checking Accounts to another member Account. • Transfer funds between and from your Share, Savings, Money Market and Checking Account to your Account held with another financial institution. • Transfer a Line of Credit advance, (if approved) to your Share, Savings, Money Market, and Checking Accounts. • Place a stop payment order on a check you have written against your Account. • Request a check for a withdrawal from your Share, Savings, Money Market and Checking Accounts. • Reorder checks for your Checking Account. • Obtain an estimate of a loan payment for a proposed loan. • Obtain tax information on Shares, Savings, Deposits and Loan Accounts. • Obtain a statement of recent transactions on your Accounts. • Choose to receive e-statements only. We reserve the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, or lower an Account below a required balance. All checks are payable to you as a primary member and will be mailed to your address of record. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. This service may be interrupted periodically for system maintenance and in other circumstances beyond our control. Some of these services may not be available for all Accounts. Refer to your Online Master Banking Terms and Conditions Agreement and Bill Pay Agreement for additional terms, conditions, disclosures, disclosures and transfer limitations, as set forth in these separate agreements.