Common use of Overdraft Liability Clause in Contracts

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's midnight 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 a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and 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 that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Courtesy Pay. Courtesy Pay is a form of overdraft protection that is available to all members in good standing holding a share draft account. Only one (1) share draft account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date, unless you STOP PAYMENT ORDERS

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's midnight deadline payment of item 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 a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum Addendum, Truth in Savings Disclosures and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and 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 that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay is a form contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: How Transactions are Posted to Your Account. There are two types of overdraft protection transactions that affect your account: credits (deposits of money into your account) and debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to all members in good standing holding a share draft you at any given time. This section explains generally how and when we post transactions to your account. Only one (1) share draft Credits. Deposits are generally added to your account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that when we receive them. We mayHowever, at our discretionin some cases when you deposit a check or draft, pay a check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect the total full amount of overdraft fees that the deposit may not be charged available to your accountyou at the time of deposit. Please contact us if you have questions about how we pay checks or drafts refer to the Funds Availability Policy Disclosure for details regarding the timing and process transfers and withdrawalsavailability of funds from deposits. Postdated and Stale dated ItemsDebits. You authorize us to accept and pay any check, even if the check is There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment before its dateby merchants, unless you STOP PAYMENT ORDERSand we are not necessarily in control of when transactions are received. Understanding Your Account Balance. Your share draft account has two kinds of balances: the actual balance and the available balance.

Overdraft Liability. If on any day, the available funds Available Balance in your checking account are Checking Account is not sufficient to cover checks and checks, Debit Card transactions, fees or other items posted to your account, those checks and items amounts will be handled in accordance with our overdraft procedures or an overdraft protection plan source you have with us. The Credit Union's ’s determination of an insufficient account balance Available Balance may be made at the Credit Union’s sole discretion any time between presentation and the Credit Union's ’s midnight deadline with only one review of the account required. The Credit Union has no duty We are not required to notify you of an insufficient funds itemif your Checking Account does not have a sufficient Available Balance to cover checks, fees or other posted items. The Credit Union may charge Whether the item is paid as a courtesy or returned, your account will be subject to a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and conditions governing your accountFee Schedule. Except as otherwise agreed to in writing, the Credit Unionwe, by covering one or any overdraft, does do not agree to cover overdrafts in the future and future. We may discontinue covering overdrafts at any timetime without notice. If the Credit Union pays an item we pay a check or impose a fee that would otherwise overdraw your account, you agree to pay the overdraft overdrawn amount and any assessed fees immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Courtesy PayPLEASE NOTE THAT YOU MAY STILL OVERDRAW YOUR ACCOUNT EVEN THOUGH THE ACCOUNT BALANCE APPEARS TO SHOW THERE IS A SUFFICIENT AVAILABLE BALANCE TO COVER A TRANSACTION YOU WANT TO MAKE. Courtesy Pay is a form of overdraft protection Your Available Balance does not reflect your outstanding checks, automatic bill payments, or any other outstanding transactions that is available to all members in good standing holding a share draft have not been paid from your account. Only one (1) share draft account per member These items will carry courtesy paynot be reflected in your Available Balance until presented to us and paid from your account. Order of Payments. Checks, drafts, items and other transactions Holds on deposits may not be processed reflected, as described in our Funds Availability Disclosure. In addition, your Available Balance may not reflect all of your pending Debit Card or ATM card transactions. For example, if a merchant obtains an authorization but does not submit the order that you make them or in Debit Card transaction for payment within three (3) business days after the order that authorization is given, we receive them. We may, at our discretion, pay a check, draft or item and execute other transactions on may increase your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect Available Balance by the total amount of overdraft fees that may be charged authorization. This means your Available Balance will no longer reflect the pending transaction until the transaction has been received by us and posted to your account. Please contact us if you have questions about Although clearing times for Debit Card transactions range from 0-5 days, merchants choose the system by which they process their transactions and how we pay checks or drafts frequently they do so (often a decision based on the lowest cost to them). The Credit Union has no control over how and process transfers and withdrawals. Postdated and Stale dated Items. You authorize when transactions are presented to us to accept and pay any checkbe paid. Even though we may increase your Available Balance when a merchant does not submit the transaction for payment within 3 business days, even if the check is obligation to the merchant still applies. The time period for authorizations may be different for certain types of merchants. NOTE: Holds placed on your account balance for pending Debit Card/electronic transactions, including gasoline, hotels, car rentals, etc., may reduce your Available Balance for an amount that may vary from the actual purchase amount, which may or may not be presented for payment before its date, unless you STOP PAYMENT ORDERSpayment. These same holds also reduce the Available Balance for subsequent purchases. Failing to account for outstanding items may cause your account to become overdrawn and fees assessed.

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you may have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's midnight deadline payment of item 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 a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and 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 that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Qualifications for Overdraft Protection (Courtesy Pay). You must opt-in by separate agreement for Courtesy Pay. Courtesy Pay is a form contingent on your Credit Union consumer checking account being open for at least sixty (60) days and thereafter you maintain the account in good standing, which includes, but not limited to: How Transactions are Posted to Your Account. There are two types of overdraft protection transactions that affect your account: credits (deposits of money into your account) and debits (payments out of your account). It is important to understand how each is applied to your account so that you know how much money you have and how much is available to all members in good standing holding a share draft you at any given time. This section explains generally how and when we post transactions to your account. Only one (1) share draft Credits. Deposits are generally added to your account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that when we receive them. We mayHowever, at our discretionin some cases when you deposit a check or draft, pay a check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect the total full amount of overdraft fees that the deposit may not be charged available to your accountyou at the time of deposit. Please contact us if you have questions about how we pay checks or drafts refer to the Funds Availability Policy Disclosure for details regarding the timing and process transfers and withdrawalsavailability of funds from deposits. Postdated and Stale dated ItemsDebits. You authorize us to accept and pay any check, even if the check is There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment before its dateby merchants, unless you STOP PAYMENT ORDERSand we are not necessarily in control of when transactions are received.

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's midnight 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 a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and 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 that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Courtesy Pay. Courtesy Pay is a form of overdraft protection that is available to all members in good standing holding a share draft account. Only one (1) share draft account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date, unless you notify the Credit Union of the postdating. Your notice will be effective only if the Credit Union receives the notice in time for the Credit Union to notify its employees and reasonably act upon the notice. You must accurately describe the check, including the number, date, and amount. You understand that the exact information is necessary for the Credit Union's computer to identify the check. If you give the Credit Union an incorrect, incomplete, or untimely notice, the Credit Union will not be responsible for paying the item before the date stated and the Credit Union may charge your account as of the date the Credit Union pays the item. You may make an oral notice, which will lapse within fourteen (14) days, unless continued in writing, within that time. A written notice will be effective for twelve (12) months. A written notice may be renewed in writing from time to time. You also agree not to deposit checks, drafts, or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check or draft drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERSORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You may request a stop payment by telephone, by mail, fax or in person. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all of your rights against the payee or other holders of the check to the Credit Union, and to assist the Credit Union in legal action taken against the person.

Overdraft Liability. If on any day, the available funds in your checking account Checking Account are not sufficient to cover checks and checks, Debit Card transactions, fees or other items posted to your account, those checks and items amounts will be handled in accordance with our overdraft procedures proce- dures or an overdraft protection plan source you have with us. The Credit Union's determination ’s determina- tion of an insufficient account balance available funds may be made at the Credit Union’s sole discretion any time between presentation and the Credit Union's ’s midnight deadline with only one review of the account required. The Credit Union has no duty We are not required to notify you of an insufficient if your Checking Account does not have available funds itemto cover checks, fees or other posted items. The Credit Union may charge Whether the item is paid as a courtesy or returned, your account will be subject to a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and conditions governing your account. Except as otherwise agreed to in writing, the Credit Unionwe, by covering one or any overdraft, does do not agree to cover overdrafts in the future and future. We may discontinue covering cover- ing overdrafts at any timetime without notice. If the Credit Union pays an item we pay a check or impose a fee that would otherwise overdraw your account, you agree to pay the overdraft overdrawn amount and any assessed fees immediately. We reserve the right to pursue collection of previously dishonored dis- honored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Courtesy Pay. Courtesy Pay is a form of overdraft protection Your Available Balance does not reflect your outstanding checks, automatic bill pay- ments, or any other outstanding transactions that is available to all members in good standing holding a share draft have not been paid from your account. Only one (1) share draft account per member These items will carry courtesy paynot be reflected in your Available Balance until presented to us and paid from your account. Order of Payments. Checks, drafts, items and other transactions Holds on deposits may not be processed reflected, as described in our Funds Availability Policy. In addition, your Available Balance may not reflect all of your pending debit card or ATM card transactions. For example, if a merchant obtains an authorization but does not submit the order that you make them or in debit card transaction for payment within three (3) business days after the order that authorization is given, we receive them. We may, at our discretion, pay a check, draft or item and execute other transactions on may increase your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect Available Balance by the total amount of overdraft fees that may be charged authorization. This means your Available Balance will no longer reflect the pending transaction until the transaction has been received by us and posted to your account. Please contact us if you have questions about Although clearing times for debit card transactions range from 0-5 days, merchants choose the system by which they process their transactions and how we pay checks or drafts frequently they do so (often a decision based on the lowest cost to them). The Credit Union has no control over how and process transfers and withdrawals. Postdated and Stale dated Items. You authorize when transactions are presented to us to accept and pay any checkbe paid. Even though we may increase your Available Balance when a merchant does not submit the transaction for payment within 3 business days, even if the check is obligation to the merchant still applies. The time period for authorizations may be different for certain types of merchants. NOTE: Holds placed on your account balance for pending debit card/electronic transactions, includ- ing gasoline, hotels, car rentals, etc., may reduce your available balance for an amount that may vary from the actual purchase amount, which may or may not be presented for payment before its date, unless you STOP PAYMENT ORDERSpayment. These same holds also reduce the available funds for subsequent purchases. Failing to account for outstanding items may cause your account to become overdrawn and fees assessed.

Overdraft Liability. If you maintain your checking ac- count in good standing and are not in default or delinquent on any Qualstar account, we may honor and pay items and transactions that will overdraw your account and create a negative balance. You may opt out of the service at any time by oral request or in writing, but you are responsible for any overdrawn and negative balances, including any fees, at the time of opting out. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an any optional overdraft protection plan you have with us. Your Available Balance is based on your Current Balance less holds placed on deposits, debit card or electronic transactions which have been authorized but are pending and have not yet posted to your account. and any other holds placed on funds in your account such as but not limited to holds related to pledges of account funds or to comply with court orders or other legal processes. The Credit Union's ’s determination of an insufficient account balance may be made at any time between presentation of an item (or receipt or posting of an EFT, Online, or Mobile Banking transaction, or ACH, or Debit Card transaction) and the Credit Union's ’s midnight 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 Your account will then be subject to a charge a fee for an insufficient funds the item whether if paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and conditions governing your accountFee Schedule. Except as otherwise agreed to in writing, the Credit Union, by covering one or any overdraftone, does not agree to cover overdrafts items in the future and may discontinue covering overdrafts items at any time. If the Credit Union pays an item that would otherwise oth- erwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Courtesy PayIf you incur an overdraft, you agree to pay the entire overdraft amount plus charges and costs of collection. Courtesy Pay is Costs of collection include, but are not limited to, reasonable attorney’s fees, and collection agency fees. In the event of your default, you agree and understand that the Credit Union may retain the services of a form of overdraft protection that is available to all members in good standing holding collection agency and pay such agency a share draft account. Only one (1) share draft account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft or item and execute other transactions fee calculated on your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect the total an amount of overdraft fees that may such fee will be charged our actual cost of collection, exclusive of any court costs and you agree to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date, unless you STOP PAYMENT ORDERSthese amounts.

Overdraft Liability. If on any day, the available funds in your checking account accounts are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's midnight 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 a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and conditions governing your accountFee Schedule. 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 that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Courtesy Pay. Courtesy Pay is a form of overdraft protection that is available to all members in good standing holding a share draft account. Only one (1) share draft account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft or item and execute other transactions on your account in any order we choosecheck order. The order in which we process checks, drafts checks and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date, unless . You also agree not to deposit checks or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERSORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You may request a stop payment by telephone, mail, fax, in person or online. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the account number and check number. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all of your rights against the payee or other holders of the check to the Credit Union, and to assist the Credit Union in legal action taken against the person.

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's midnight 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 a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and 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 that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Courtesy Pay. Courtesy Pay is Overdraft Protection Privilege Is a form of overdraft protection that is available to all members in good standing holding a share draft account. Only one (1) share draft account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date, unless the Credit Union will not be responsible for paying the item before the date stated and the Credit Union may charge your account as of the date the Credit Union pays the item. You also agree not to deposit checks, drafts, or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check or draft drawn on your account that is presented more than six (6) months after its date. CHECK DRAFTS, EFT, ACH AND OTHER PAYMENTS MADE BY YOU, MAY BE PRESENTED MULTIPLE TIMES. YOU AGREE THAT MULTIPLE ATTEMPTS MAY BE MADE TO SUBMIT A RETURNED ITEM FOR PAYMENT AND THAT MULTIPLE FEES MAY BE CHARGED TO YOU AS A RESULT OF A RETURNED ITEM AND RESUBMISSION. THE CREDIT UNION DOES NOT HAVE A LIMIT ON HOW MANY TIMES ITEMS MAY BE PRESENTED OR HOW MANY FEES MAY BE CHARGED STOP PAYMENT ORDERSORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You may request a stop payment by telephone, by mail, fax or in person. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all of your rights against the payee or other holders of the check to the Credit Union, and to assist the Credit Union in legal action taken against the person.

Overdraft Liability. If on any day, the available funds in your checking account Checking Account are not sufficient suf- ficient to cover checks and checks, Debit Card transactions, fees or other items posted to your account, those checks and items amounts will be handled in accordance with our overdraft procedures or an overdraft protection plan source you have with us. The Credit Union's ’s determination of an insufficient account balance available funds may be made at the Credit Union’s sole discretion any time between presentation and the Credit Union's ’s midnight deadline with only one review of the account required. The Credit Union has no duty We are not required to notify you of an insufficient if your Checking Account does not have available funds itemto cover checks, fees or other posted items. The Credit Union may charge Whether the item is paid as a courtesy or returned, your account will be subject to a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and conditions governing your account. Except as otherwise agreed to in writing, the Credit Unionwe, by covering one or any overdraft, does do not agree to cover overdrafts in the future and future. We may discontinue covering overdrafts at any timetime without notice. If the Credit Union pays an item we pay a check or impose a fee that would otherwise overdraw your account, you agree to pay the overdraft overdrawn amount and any assessed fees immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Courtesy Pay. : Courtesy Pay is defined as an automatic discretionary interest-free check paying overdraft service. Qualifying accounts will be mailed notification with a form description of overdraft protection that program parameters; in addition to said parameters an “opt-in” signature is available to all members in good standing holding a share draft account. Only required from you, our member, for one (1) share draft account time debit transactions and all transactions made at a proprietary or foreign ATM per member Regulation. Partner Colorado will carry not pay your courtesy pay. Order of Payments. Checks, drafts, items /overdrafts for ATM withdrawals and other transactions may not be processed in the order that debit card purchases you make them at a store, online or in the order that we receive them. We may, at our discretion, pay a check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its dateby telephone, unless you STOP PAYMENT ORDERStell us you want courtesy pay/overdraft coverage for these transactions; “opt-in.” Even if you do not request courtesy pay/overdraft coverage for ATM withdrawals and debit card purchases, we may still pay your courtesy pay/overdrafts for other types of transactions, including checks. Having courtesy pay/overdraft coverage does not guarantee that we will pay your overdrafts. If we decide to pay any overdraft, you will be charged fees as described in our Fee Schedule. We will not be liable to you or any other person if we choose to pay an overdraft. Qualifying criteria is based on internal quality controls. Partner Colorado reserves the right to make changes to or terminate this program at any time without further notice. Courtesy pay will be enacted only after all other overdraft options per our record have been exhausted. Checking accounts will be “drawn negative” to pay checks, transactions only after all other overdraft measures have been

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's midnight 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 a fee fee, per presentment, for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may If an item is returned because the available balance in your account is not sufficient to cover the item and the item is presented for payment again, we will charge you an NSF insufficient funds fee each time we return the item because it exceeds the available balance in your account. If, on representment of the item, the available balance in your account is sufficient to cover the item we may pay the item, and, if payment causes an overdraft, charge an overdraft fee for each presentment. You understand and agree that a merchant or other entity may make multiple attempts to submit a returned item for payment. Consequently, because we may How Transactions are Posted to Your Account. There are two types of transactions that affect your account: credits (deposits of money into your account) and debits (payments out of your account). It is submitted important to us for payment from understand how each is applied to your account so that you know how much money you have and how much is available to you at any given time. This section explains generally how and when we post transactions to your account. Credits. Deposits are generally added to your account when we receive them. However, in some cases when you deposit a check or draft, the full amount of the deposit may not be available to you at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and 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 that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Courtesy Pay. Courtesy Pay is a form of overdraft protection that is available to all members in good standing holding a share draft account. Only one (1) share draft account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your accountdeposit. Please contact us if you have questions about how we pay checks or drafts refer to the Funds Availability Policy Disclosure for details regarding the timing and process transfers and withdrawalsavailability of funds from deposits. Postdated and Stale dated ItemsDebits. You authorize us to accept and pay any check, even if the check is There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment before its dateby merchants, unless you STOP PAYMENT ORDERSand we are not necessarily in control of when transactions are received.

Overdraft Liability. You agree to the following terms and conditions of the Overdraft Privilege Disclosure and applicable Consent and Opt-out forms that govern overdraft transfers with the Credit Union. If on any day, the available funds in your checking account are not sufficient to cover checks and other items (ACH or debit card transactions) posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's midnight deadline with only one review terms of the account required. The Credit Union has no duty to notify you of an insufficient funds item. The Credit Union may charge a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and 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 timethis Agreement. If the Credit Union pays an item we pay a check or items that would otherwise overdraw overdraws your account, you are liable for and agree to pay the overdraft amount and an insufficient (NSF) fee or Overdraft Privilege fee immediately. If we do not pay the check or item we will return it unpaid and you agree to pay a return item fee. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor payer bank extra time beyond any midnight deadline limits. Courtesy PayThe Credit Union’s determination of an insufficient account balance may be made at any time the check or item is presented to us, which may be later during the day than the time you conduct the transaction. Courtesy Pay is a form Overdrafts will be determined based on the available balance in your account at the time of presentment. Your available balance may be lower than your actual balance due to funds held for debit card transactions you have authorized and deposited checks held pursuant to our funds availability policy. You can view your available balance through online services, mobile services or ATMs to avoid an overdraft. Transactions may not be presented in the order which they occurred and the order in which checks or items are received and processed may affect if an overdraft protection that is available to all members in good standing holding a share draft accountoccurs. Only one The Credit Union processes checks and items as follows: (1) share draft account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed Checks are paid in the chronological order that you make them or they are received. (2) ACH items, credits are processed first and ACH debits processed second with the lowest items paid first. (3) Debit card transactions are paid in the chronological order that we receive them. We may, at our discretion, pay a check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date, unless you STOP PAYMENT ORDERSthey are received.

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks checks, draft and other items posted to your account, those checks checks, drafts and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's midnight 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 will charge a non-sufficient funds (NSF) fee for an insufficient funds item whether per item, paid and or returned unpaid as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and 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 that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor payer bank extra time beyond any midnight deadline limits. Courtesy Pay. Courtesy Pay is a form of overdraft protection that is available to all members in good standing holding a share draft account. Only one (1) share draft account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Understanding Your Account Balance. Your Checking account has two kinds of balances: the actual balance and the available balance. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date, unless you notify the Credit Union of the postdating. Your notice will be effective only if the Credit Union receives the notice in time for the Credit Union to notify its employees and reasonably act upon the notice. You must accurately describe the check, including the number, date, and amount. You understand that the exact information is necessary for the Credit Union's computer to identify the check. If you give the Credit Union an incorrect, incomplete, or untimely notice, the Credit Union will not be responsible for paying the item before the date stated and the Credit Union may charge your account as of the date the Credit Union pays the item. You may make an oral notice, which will lapse within fourteen (14) days, unless continued in writing, within that time. A written notice will be effective for twelve (12) months. A written notice may be renewed in writing from time to time. You also agree not to deposit checks, drafts, or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check or draft drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERSORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check or draft drawn upon your checking account. You may request a stop payment by telephone, by mail, fax or in person. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check or draft and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re-credit your account after paying a check or draft over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all of your rights against the payee or other holders of the check or draft to the Credit Union, and to assist the Credit Union in legal action taken against the person.

Overdraft Liability. If on any day, the available funds in your checking account accounts are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's midnight 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 a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and conditions governing your accountFee Schedule. 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 that would otherwise overdraw your account, you agree How Transactions are Posted to pay the overdraft amount immediatelyYour Account. We reserve the right There are two types of transactions that affect your account: credits (deposits of money into your account) and debits (payments out of your account). It is important to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Courtesy Pay. Courtesy Pay understand how each is a form of overdraft protection applied to your account so that you know how much money you have and how much is available to all members in good standing holding a share draft you at any given time. This section explains generally how and when we post transactions to your account. Only one (1) share draft Credits. Deposits are generally added to your account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that when we receive them. We mayHowever, at our discretionin some cases when you deposit a check or draft, pay a check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect the total full amount of overdraft fees that the deposit may not be charged available to your accountyou at the time of deposit. Please contact us if you have questions about how we pay checks or drafts refer to the Funds Availability Policy Disclosure for details regarding the timing and process transfers and withdrawalsavailability of funds from deposits. Postdated and Stale dated ItemsDebits. You authorize us to accept and pay any check, even if the check is There are several types of debit transactions. Common debit transactions are generally described below. Keep in mind that there are many ways transactions are presented for payment before its dateby merchants, unless you STOP PAYMENT ORDERSand we are not necessarily in control of when transactions are received. Understanding Your Account Balance. Your share draft account has two kinds of balances: the actual balance and the available balance.

Overdraft Liability. If on any day, the available funds in your checking account are not sufficient to cover checks and other items posted to your account, those checks and items will be handled in accordance with our overdraft procedures or an overdraft protection plan you have with us. The Credit Union's determination of an insufficient account balance may be made at any time between presentation and the Credit Union's midnight 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 a fee for an insufficient funds item whether paid or returned as set forth in the “Rate Addendum and Schedule of Fees and Charges.” We may charge you an NSF fee each time an item is submitted to us for payment from your account when at the time of presentment your account does not have sufficient available funds or when we return, reverse, or decline to pay an item for any other reason authorized by the terms and 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 that would otherwise overdraw your account, you agree to pay the overdraft amount immediately. We reserve the right to pursue collection of previously dishonored items at any time, including giving a payor bank extra time beyond any midnight deadline limits. Courtesy Pay. Courtesy Pay is a form of overdraft protection that is available to all members in good standing holding a share draft account. Only one (1) share draft account per member will carry courtesy pay. Order of Payments. Checks, drafts, items and other transactions may not be processed in the order that you make them or in the order that we receive them. We may, at our discretion, pay a check, draft or item and execute other transactions on your account in any order we choose. The order in which we process checks, drafts and items and execute other transactions on your account may affect the total amount of overdraft fees that may be charged to your account. Please contact us if you have questions about how we pay checks or drafts and process transfers and withdrawals. Postdated and Stale dated Items. You authorize us to accept and pay any check, even if the check is presented for payment before its date, unless you notify the Credit Union of the postdating. Your notice will be effective only if the Credit Union receives the notice in time for the Credit Union to notify its employees and reasonably act upon the notice. You must accurately describe the check, including the number, date, and amount. You understand that the exact information is necessary for the Credit Union's computer to identify the check. If you give the Credit Union an incorrect, incomplete, or untimely notice, the Credit Union will not be responsible for paying the item before the date stated and the Credit Union may charge your account as of the date the Credit Union pays the item. You may make an oral notice, which will lapse within fourteen (14) days, unless continued in writing, within that time. A written notice will be effective for twelve (12) months. A written notice may be renewed in writing from time to time. You also agree not to deposit checks, drafts, or other items before they are properly payable. The Credit Union is under no obligation to you to pay a check or draft drawn on your account that is presented more than six (6) months after its date. STOP PAYMENT ORDERSORDERS Stop Payment Request. You may ask the Credit Union to stop payment on any check drawn upon your checking account. You must request a stop payment in writing. The stop payment will be effective if the Credit Union receives the order in time for the Credit Union to act upon the order and you state the number of the account, date, and number of the check and its exact amount. If you give the Credit Union incorrect or incomplete information, the Credit Union will not be responsible for failing to stop payment on the item. If the stop payment order is not received in time for the Credit Union to act upon the order, the Credit Union will not be liable to you or to any other party for payment of the item. If we re- credit your account after paying a check over a valid and timely stop payment order, you agree to sign a statement describing the dispute with the payee, to transfer all of your rights against the payee or other holders of the check to the Credit Union, and to assist the Credit Union in legal action taken against the person.