Common use of Right to Receive Documentation of Transfers Clause in Contracts

Right to Receive Documentation of Transfers. Periodic Statements – You will get a monthly Account statement reflecting transactions for your Account(s) unless there are no transfers or withdrawals. In any case, you will get a statement at least quarterly. • Terminal Transfers – You can get a receipt at the time you make any transfer of more than $15 to or from your Account(s) using an ATM or a POS (Point of Sale) terminal. • Preauthorized Credits – If you have arranged to have direct deposits made to your Account(s) at least once every sixty (60) days from the same person or company, the person or company making the deposit will inform you every time they send us the money. To verify your preauthorized credit(s), please contact us at (▇▇▇) ▇▇▇-▇▇▇▇ during normal business hours. • Tell us at once if you believe your Access Code, PIN or Card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping possible losses at a minimum. You can lose all the money in your Account (plus your maximum overdraft line of credit). • You are not responsible for any unauthorized transactions using your Access Code, PIN or Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your Access Code, PIN or Card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. • For all other electronic fund transfer transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone used your Access Code, PIN or Card without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your Access Code, PIN or EECU Debit Card, and we can prove that we could have stopped someone from using your Access Code, PIN or EECU Debit Card without your permission if you had informed us, you can lose as much as $500. • If your statement shows transfers that you did not make, including those by EECU Debit Card, Access Code, PIN or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back the money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had informed us in time. • If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Right to Receive Documentation of Transfers. Periodic Statements – You will get receive a monthly Account account statement reflecting transactions for your Account(s) unless if there are no any electronic fund transfers or withdrawals. In any caseduring that month, otherwise you will get receive a statement at least quarterly. • Terminal Transfers – You can get SUMMARY OF OUR LIABILITY TO YOU FOR FAILURE TO MAKE OR STOP CERTAIN TRANSFERS: If we do not complete a receipt at the time you make any transfer of more than $15 to or from your Account(saccount on time or in the correct amount according to our agreement with you, we will be liable for your losses or damages. However, there are some exceptions. We will NOT be liable, for instance: • If, through no fault of ours, you do not have enough money in your account to make the transfer • If the transfer would go over the credit limit on your overdraft line • If circumstances beyond our control (such as fire or flood) using prevent the transfer, despite reasonable precautions that we have taken • If the ATM where you are making the transfer does not have enough cash • If the terminal was not working properly and you knew about the breakdown when you started the transfer • There may be other exceptions stated in our agreement with you CONFIDENTIALITY: We will disclose information to third parties about your account or the transfers you make: • Where it is necessary for completing transfer • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant • In order to comply with government agency or court orders or subpoenas, or laws and regulations • If you give us your written permission CHARGES FOR ELECTRONIC FUND TRANSFERS: If you use an ATM not owned by us or visit a POS (Point merchant, you may be charged a fee by the acquirer. Check the Rate & Fee Schedule for any fees the credit union may charge. OTHER TERMS AND CONDITIONS: The exchange rate for transactions in a foreign currency will be a rate selected by Visa from the range of Salerates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa itself receives, or the government mandated rate in effect for the applicable central processing date plus the 1% International Transaction Fee. Your account(s) terminalmay also be governed by other terms and conditions previously set by us. • Preauthorized Credits – If any of those terms and conditions, conflict with the terms and conditions of this disclosure statement, this disclosure statement will prevail. IN CASE OF ERRORS OR QUESTIONS ABOUT YOUR ELECTRONIC TRANSFERS: If you have arranged to have direct deposits made to think your Account(s) at least once every sixty (60) days from the same person statement or company, the person or company making the deposit will inform you every time they send us the money. To verify your preauthorized credit(s), please contact us at (▇▇▇) ▇▇▇-▇▇▇▇ during normal business hours. • Tell us at once if you believe your Access Code, PIN or Card has been lost or stolen, receipt is wrong or if you need more information about a transfer listed on your statement or receipt, contact us immediately. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. We will need the following information if you contact us in writing: • Your name and account number • A description of the error or the transfer you are unsure about • An explanation as to why you believe that it is an electronic fund transfer has been made without your permission using error or why you need more information from your check• The dollar amount of the suspected error. Telephoning is the best way of keeping possible losses at a minimum. You can lose all the money in your Account (plus your maximum overdraft line of credit). • You are not responsible for any unauthorized transactions using your Access Code, PIN or Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your Access Code, PIN or Card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. • For all other electronic fund transfer transactions, if If you tell us orally, we may require that you send us your complaint or question in writing within two (2) 10 business days. We will determine whether an error occurred within 10 business days after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days for the amount you think is in error, so that you will have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or questions in writing and we do not receive it within 10 business days, you can lose no more than $50 if someone used your Access Code, PIN or Card without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your Access Code, PIN or EECU Debit Card, and we can prove that we could have stopped someone from using your Access Code, PIN or EECU Debit Card without your permission if you had informed us, you can lose as much as $500. • If your statement shows transfers that you did not make, including those by EECU Debit Card, Access Code, PIN or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back credit your account for the money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had informed us in time. • If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodserror.

Right to Receive Documentation of Transfers. Periodic Statements – Your completed ACH electronic funds transfers to and from your Logix accounts will appear on your periodic account statements. You will get a monthly Account account statement reflecting transactions for on the ACH electronic funds transfer activity on your Account(s) Logix accounts unless there are no transfers or withdrawalsin a particular month. In any case, you will get a statement at least quarterly. • Terminal Transfers – Provisional Payment, Funds Availability, and Dividend Accrual: Credit given by us to you with respect to an Automated Clearing House credit Entry is provisional until we receive final settlement for such Entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such Entry, and the party making payment to you via such Entry (i.e. the Originator of the Entry) shall not be deemed to have paid you the amount of such Entry. Right to Stop ACH Transfers: You can get stop a receipt at the time you make any Business MoneyMover Service ACH funds transfer of more than $15 to or from your Account(s) using an ATM or a POS (Point of Sale) terminal. • Preauthorized Credits – If you have arranged set up to have direct deposits made to your Account(s) occur, by cancelling or deleting that transfer before the processing cutoff time on the scheduled transfer date. You can also stop payment on these preauthorized electronic funds transfers by notifying us, either orally or in writing, at least once every sixty (60) three business days from before the same person or company, the person or company making the deposit will inform you every time they send us the moneytransfer is scheduled to be made. To verify your preauthorized credit(s)do so, please contact call us at (▇▇▇-▇▇▇-▇▇▇▇, or visit any one of our branches. Representment of Returned ACH Items: If any ACH debit to your account at another financial institution is returned to us for “Insufficient Funds”, we may resubmit the debit to the designated financial institution one (1) time. If the debit is returned for Insufficient Funds upon representment, we will reverse the credit to your account(s) or loan(s) and we will not again resubmit the debit until the next scheduled transfer date. If this occurs on loan payment transfers, you will be responsible to ensure that your required monthly loan payment is made. We reserve the right to charge you a fee for each “non-sufficient funds” ACH debit returned item the first time the item is returned to us unpaid for reasons such as insufficient funds; fee not charged on representment because we do not charge an additional fee if/when that particular item is again returned to us unpaid. Fees and Charges: There are no fees or charges to use the Business MoneyMover Service or for us to process ACH funds transfers you initiate through this Service; however, there are charges associated with ACH NSF Returned Items. Please refer to our Fee Schedule for Business Accounts, which is available online and which can also be obtained by contacting us at ▇▇▇-▇▇▇-▇▇▇▇ during normal business hours. • Tell us at once if you believe your Access Code, PIN or Card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way by visiting any one of keeping possible losses at a minimum. You can lose all the money in your Account (plus your maximum overdraft line of credit). • You are not responsible for any unauthorized transactions using your Access Code, PIN or Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your Access Code, PIN or Card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. • For all other electronic fund transfer transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone used your Access Code, PIN or Card without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your Access Code, PIN or EECU Debit Card, and we can prove that we could have stopped someone from using your Access Code, PIN or EECU Debit Card without your permission if you had informed us, you can lose as much as $500. • If your statement shows transfers that you did not make, including those by EECU Debit Card, Access Code, PIN or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back the money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had informed us in time. • If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsour branches.

Right to Receive Documentation of Transfers. Periodic Statements – Your completed ACH electronic funds transfers to and from your Logix accounts will appear on your periodic account statements. You will get a monthly Account account statement reflecting transactions on the ACH electronic Provisional Payment, Funds Availability, and Dividend Accrual: Credit given by us to you with respect to an Automated Clearing House credit Entry is provisional until we receive final settlement for your Account(s) unless there are no transfers or withdrawalssuch Entry through a Federal Reserve Bank. In any caseIf we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such Entry, and the party making payment to you via such Entry (i.e. the Originator of the Entry) shall not be deemed to have paid you the amount of such Entry. Funds from ACH electronic funds transfer deposits to your Logix account(s) will get be available on the day we receive the deposit in accordance with our "Funds Availability Policy." You may obtain a statement copy of our Funds Availability Policy upon request by calling us at 800-328-5328, or by visiting any one of our branches. Dividends accrue from the date of deposit in accordance with our applicable account agreement with you. Right to Stop ACH Transfers: You can stop a MoneyMover Service ACH funds transfer you have set up to occur, by cancelling or deleting that transfer before the processing cutoff time on the scheduled transfer date. You can also stop payment on these preauthorized electronic funds transfers by notifying us, either orally or in writing, at least quarterly. • Terminal Transfers – You can get a receipt at three business days before the time you make any transfer of more than $15 is scheduled to or from your Account(s) using an ATM or a POS (Point of Sale) terminal. • Preauthorized Credits – If you have arranged to have direct deposits made to your Account(s) at least once every sixty (60) days from the same person or company, the person or company making the deposit will inform you every time they send us the moneybe made. To verify your preauthorized credit(s)do so, please contact call us at (▇▇▇) ▇▇▇-▇▇▇▇ during normal business hours. • Tell us at once if you believe your Access Code, PIN or Card has been lost or stolen-▇▇▇▇, or if you believe that an electronic fund transfer has been made without visit any one of our branches. Representment of Returned ACH Items: If any ACH debit to your permission using information from your check. Telephoning account at another financial institution is returned to us for “Insufficient Funds,” we may resubmit the best way of keeping possible losses at a minimum. You can lose all debit to the money in your Account designated financial institution one (plus your maximum overdraft line of credit). • You are not responsible for any unauthorized transactions using your Access Code, PIN or Card if: (i1) you can demonstrate that you have exercised reasonable care in safeguarding your Access Code, PIN or Card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. • For all other electronic fund transfer transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone used your Access Code, PIN or Card without your permissiontime. If you do not tell us within two (2) business days after you learn of the loss or theft of your Access Code, PIN or EECU Debit Card, and we can prove that we could have stopped someone from using your Access Code, PIN or EECU Debit Card without your permission if you had informed us, you can lose as much as $500. • If your statement shows transfers that you did not make, including those by EECU Debit Card, Access Code, PIN or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back the money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had informed us in time. • If a good reason (such as a long trip or a hospital stay) kept you from telling usdebit is returned for Insufficient Funds upon representment, we will extend reverse the time periodscredit to your account(s) or loan(s) and we will not again resubmit the debit until the next scheduled transfer date. If this occurs on loan payment transfers, you will be responsible to ensure that your required monthly loan payment is made. We reserve the right to charge you a fee for each “non-sufficient funds” ACH debit returned item. Fees and Charges: There are no fees or charges to use the MoneyMover Service or for us to process ACH funds transfers you initiate through this Service; however, there are charges associated with ACH NSF Returned Items. Please refer to our Schedule of Service Charges and Fees, which is available online and which can also be obtained by contacting us at 800-328- 5328 or by visiting any one of our branches.

Right to Receive Documentation of Transfers. Periodic Statements – Your completed ACH electronic funds transfers to and from your Logix accounts will appear on your periodic account statements. You will get a monthly Account account statement reflecting transactions for on the ACH electronic funds transfer activity on your Account(s) Logix accounts unless there are no transfers or withdrawalsin a particular month. In any case, you will get a statement at least quarterly. • Terminal Transfers – Provisional Payment, Funds Availability, and Dividend Accrual: Credit given by us to you with respect to an Automated Clearing House credit Entry is provisional until we receive final settlement for such Entry through a Federal Reserve Bank. If we do not receive such final settlement, you are hereby notified and agree that we are entitled to a refund of the amount credited to you in connection with such Entry, and the party making payment to you via such Entry (i.e. the Originator of the Entry) shall not be deemed to have paid you the amount of such Entry. Right to Stop ACH Transfers: You can get stop a receipt at the time you make any MoneyMover Service ACH funds transfer of more than $15 to or from your Account(s) using an ATM or a POS (Point of Sale) terminal. • Preauthorized Credits – If you have arranged set up to have direct deposits made to your Account(s) occur, by cancelling or deleting that transfer before the processing cutoff time on the scheduled transfer date. You can also stop payment on these preauthorized electronic funds transfers by notifying us, either orally or in writing, at least once every sixty (60) three business days from before the same person or company, the person or company making the deposit will inform you every time they send us the moneytransfer is scheduled to be made. To verify your preauthorized credit(s)do so, please contact call us at (▇▇▇-▇▇▇-▇▇▇▇, or visit any one of our branches. Representment of Returned ACH Items: If any ACH debit to your account at another financial institution is returned to us for “Insufficient Funds”, we may resubmit the debit to the designated financial institution one (1) time. If the debit is returned for Insufficient Funds upon representment, we will reverse the credit to your account(s) or loan(s) and we will not again resubmit the debit until the next scheduled transfer date. If this occurs on loan payment transfers, you will be responsible to ensure that your required monthly loan payment is made. We reserve the right to charge you a fee for each “non-sufficient funds” ACH debit returned item. Fees and Charges: There are no fees or charges to use the MoneyMover Service or for us to process ACH funds transfers you initiate through this Service; however, there are charges associated with ACH NSF Returned Items. Please refer to our Schedule of Service Charges and Fees, which is available online and which can also be obtained by contacting us at ▇▇▇-▇▇▇-▇▇▇▇ during normal business hours. • Tell us at once if you believe your Access Code, PIN or Card has been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way by visiting any one of keeping possible losses at a minimum. You can lose all the money in your Account (plus your maximum overdraft line of credit). • You are not responsible for any unauthorized transactions using your Access Code, PIN or Card if: (i) you can demonstrate that you have exercised reasonable care in safeguarding your Access Code, PIN or Card from the risk of loss or theft, and (ii) upon becoming aware of a loss or theft, you promptly report the loss or theft to us. • For all other electronic fund transfer transactions, if you tell us within two (2) business days, you can lose no more than $50 if someone used your Access Code, PIN or Card without your permission. If you do not tell us within two (2) business days after you learn of the loss or theft of your Access Code, PIN or EECU Debit Card, and we can prove that we could have stopped someone from using your Access Code, PIN or EECU Debit Card without your permission if you had informed us, you can lose as much as $500. • If your statement shows transfers that you did not make, including those by EECU Debit Card, Access Code, PIN or other means, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may not get back the money you lost after the sixty (60) days if we can prove that we could have stopped someone from taking the money if you had informed us in time. • If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsour branches.