Tinker Federal Credit Union PO Box Tinker AFB, OK (405)

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1 Tinker Federal Credit Union PO Box Tinker AFB, OK (405) ELECTRONIC FUND TRANSFERS YOUR RIGHTS AND RESPONSIBILITIES Indicated below are types of Electronic Fund Transfers we are capable of handling, some of which may not apply to your account. Please read this disclosure carefully because it tells you your rights and obligations for the transactions listed. You should keep this notice for future reference. Electronic Funds Transfers Initiated By Third Parties. You may authorize a third party to initiate electronic fund transfers between your account and the third party s account. These transfers to make or receive payment may be one-time occurrences or may recur as directed by you. These transfers may use the Automated Clearing House (ACH) or other payments network. Your authorization to the third party to make these transfers can occur in a number of ways. For example, your authorization to convert a check or draft to an electronic fund transfer or to electronically pay a returned check or draft charge can occur when a merchant provides you with notice and you go forward with the transaction (typically, at the point of purchase, a merchant will post a sign and print the notice on a receipt). In all cases, these third party transfers will require you to provide the third party with your account number and credit union information. This information can be found on your check or draft as well as on a deposit or withdrawal slip. Thus, you should only provide your credit union and account information (whether over the phone, the Internet, or via some other method) to trusted third parties whom you have authorized to initiate these electronic fund transfers. Examples of these transfers include, but are not limited to: Preauthorized credits. You may make arrangements for certain direct deposits to be accepted into your share draft/checking and share savings account(s). TFCU may accept loan payments by telephone authorization and receive electronic funds transfers from your account at another financial institution. If TFCU accepts a loan payment from you by telephone authorization, you will be required to provide TFCU with your account number and financial institution information and TFCU will initiate an electronic funds transfer from your account at that financial institution. Whenever TFCU initiates an electronic funds transfer to receive any loan payment, you authorize TFCU to also collect a fee for this service and that fee will be added to the amount of the payment to be transferred to TFCU. Preauthorized payments. You may make arrangements to pay certain recurring bills from your share draft/checking and share/savings account(s). Electronic check or draft conversion. You may authorize a merchant or other payee to make a one-time electronic payment from your share draft/checking account using information from your check or draft to pay for purchases or pay bills. Electronic returned check or draft charge. You may authorize a merchant or other payee to initiate an electronic funds transfer to collect a charge in the event a check or draft is returned for insufficient funds. Command Center - types of transfers - You may access your account by telephone 24 hours a day at (405) , (800) , or (800) using your personal identification number, a touch tone phone, and your account numbers, to: transfer funds between share draft/checking and share/savings transfer funds from line of credit to share draft/checking or share/savings make payments from share draft/checking or share/savings to loan accounts with us make payments from share draft/checking or share/savings to third parties get information about: - the account balance of share draft/checking, share/savings, share certificate, line of credit or loan accounts - deposits to share draft/checking, share/savings or share certificate accounts - withdrawals from share draft/checking or share/savings accounts - transaction history on share draft/checking, share/savings, share certificate, line of credit or loan accounts with us Please also see Limitations on frequency of transfers section regarding limitations that apply to telephone transfers. ATM Transfers - types of transfers - You may access your account(s) by ATM using your ATM Card and personal identification number or MoneyPlus Debit Card and personal identification number, to: get cash withdrawals from share draft/checking or share/savings account(s) transfer funds between share draft/checking and share/savings account(s) get information about: - the account balance of your share draft/checking or share/savings account(s) (Overdraft Coverage limits will not be reflected in your balance inquiry) In addition to any pre-authorized overdraft transfers with TFCU, withdrawal or transfer transactions performed at an ATM for more than the balance in your share draft/checking account and/or pre-authorized overdraft transfers, may be paid by an Overdraft Coverage feature for a fee of $22.50 per transaction up to an account Overdraft Coverage limit. You agree to repay any Overdraft Coverage overdraft and any Overdraft Coverage fees caused by completing the withdrawal or transfer transaction at an ATM. When using an ATM your stated account balance on the screen or on the receipt does not include the Overdraft Coverage protection limit. You understand that even if you check your account balance immediately prior to using the ATM to complete a transaction, items such as share drafts/checks you have written or recent debit activities may not have been posted to your account. The credit union may deduct the amount of any Overdraft Coverage overdraft plus associated fees from any other account you have with the credit union, except an IRA. Members who are 30 days past due in making any TFCU loan payment will not have access to: (1) services through point-of-sale at participating merchants or at automated teller machines when using any MoneyPlus or ATM card; or (2) overdraft transfers that are set up to transfer from your open-end line of credit. Services will resume once the past due payment(s) have been posted and the debt(s) are current with TFCU. Some of these services may not be available at all terminals. Please also see Limitations on frequency of transfers section regarding limitations that apply to ATM transfers. Types of MoneyPlus Debit Card Point-of-Sale Transactions - You may access your share draft/checking account(s) to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. In addition to any pre-authorized overdraft transfers with TFCU, MoneyPlus check/debit card merchant transactions processed for more than the balance in your share draft/checking account and/or pre-authorized overdraft transfers from a share/savings or line of credit account, may be paid 10/2017 Page 1 of 6

2 by an Overdraft Coverage feature for a $22.50 per transaction fee up to an account Overdraft Coverage limit. You agree to repay any Overdraft Coverage overdraft and any Overdraft Coverage fees caused by completing the transaction at a merchant or financial institution. You understand that even if you check your account balance immediately prior to using the MoneyPlus card at a merchant, items such as share drafts/checks you have written or recent debit activities may not have been posted to your account. The credit union may deduct the amount of any Overdraft Coverage overdraft plus associated fees from any other account you have with the credit union, except an IRA. Members who are 30 days past due in making any TFCU loan payment will not have access to: (1) services through point-of-sale at participating merchants or at automated teller machines when using any MoneyPlus or ATM card; or (2) overdraft transfers that are set up to transfer from your open-end line of credit. Services will resume once the past due payment(s) have been posted and the debt(s) are current with TFCU. Point-of-Sale Transactions - frequency and dollar limitations - Using your card: For security reasons, there are limits on the number of MoneyPlus point-of-sale transactions you may make with participating merchants and there is a daily total dollar amount limit. You may call our Card Center at (800) , ext. 2273, or (405) , ext. 2273, for any additional information regarding these limits. Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions. Currency Conversion and International Transactions. When you use your Visa -branded Debit Card at a merchant that settles in currency other than US dollars, the charge will be converted into the US dollar amount. The currency conversion rate used to determine the transaction amount in US dollars is either a rate selected by Visa from the range of rates 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. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Visa USA charges us a.8% International Service Assessment on all international transactions, regardless of whether there is a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction. In either case, we pass this international transaction fee on to you. An international transaction is a transaction where the country of the merchant is outside the USA. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Non-Visa Debit Transaction Processing. We have enabled non-visa debit transaction processing. This means you may use your TFCU MoneyPlus Visa debit card on a PIN-Debit Network* (a non-visa network) without using a PIN. The non-visa debit network for which such transactions are enabled is: PULSE. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your TFCU MoneyPlus Visa debit card include signing a receipt, providing a card number over the phone or via the Internet, or swiping the card through a point-of-sale terminal. Examples of the types of actions you may be required to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the biller (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through use of a PIN. The provisions of your agreement with us relating only to Visa transactions generally are applicable to non-visa transactions. However, the additional limits on liability (sometimes referred to as Visa's zero-liability program) and the streamlined error resolution procedures offered on Visa debit card transactions may not be applicable to transactions processed on a PIN-Debit Network. *Visa Rules generally define PIN-Debit Network as a non-visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program. TFCU Home Branch and Home Branch Mobile Transfers - types of transfers - You may access your account(s) by computer through the internet by logging onto our website at or through the browser on your mobile access device and using your required login information, to: transfer funds between share draft/checking and share/savings transfer funds from line of credit to share draft/checking or share/savings transfer funds from a share draft/checking or share/savings account owned by you at another financial institution to a share draft/checking or share/savings account at TFCU (only available through Home Branch - online version) transfer funds to other members (must be set up through Home Branch - online version) transfer funds to accounts outside of TFCU (only available through Home Branch - online version) make payments from share draft/checking or share/savings to loan account(s) with us get information about: - the account balance of share draft/checking, share/savings, share certificate, line of credit or loan account(s) - deposits to share draft/checking, share/savings or share certificate accounts - withdrawals from share draft/checking, share/savings, share certificate or line of credit accounts - transaction history on share draft/checking, share/savings, share certificate, line of credit or loan accounts with us All maintenance functions (such as setting up transfers and adding, deleting or modifying BillPay payees) can only be done through Home Branch (online version). BillPay Online - types of transfers - You may access this service through Home Branch by logging onto our website at or through Home Branch Mobile with the browser on your mobile access device and using your required login information, to: make payments from share draft/checking to third parties - You understand that even if you check your account balance immediately prior to scheduling payments through BillPay Online, items such as share drafts/checks you have written, or recent debit activities may post to your account allowing scheduled payments to pay through a preauthorized overdraft transfers with us or an Overdraft Coverage overdraft limit. You agree to repay any Overdraft Coverage overdraft and any Overdraft Coverage fees of $22.50 each caused by completing these bill payment transactions. All maintenance functions (such as setting up transfers and adding, deleting or modifying BillPay payees) can only be done through Home Branch (online version). Please also see Limitations on frequency of transfers section regarding limitations that apply to computer transfers. Limitations on frequency of transfers. In addition to those limitations on transfers elsewhere described, if any, the following limitations apply: For security reasons, there are other limits on the number of transfers you can make by ATM. For security reasons, there are other limits on the number of transfers you can make by telephone. For security reasons, there are other limits on the number of transfers you can make by debit card. For security reasons, there are other limits on the number of transfers you can make by computer. 10/2017 Page 2 of 6

3 FEES We do not charge for direct deposits to any type of account. Except as indicated elsewhere, we do not charge for these electronic fund transfers. ATM Operator/Network Fees (Surcharges). When you use an ATM not owned by us, you may be charged a fee ( surcharge ) by the ATM operator or any network used (and you will be charged a fee by us for a balance inquiry even if you do not complete a fund transfer). The ATM operator must provide a notice to you that a surcharge will be imposed, and the amount of the surcharge, by showing it on the screen of the ATM or by providing it on paper before you are committed to paying the surcharge, and then you may choose whether or not to complete the fund transfer or inquiry. DOCUMENTATION Terminal transfers. You can get a receipt at the time you make a transfer to or from your account using an automated teller machine or point-ofsale terminal. However, you may not get a receipt if the amount of the transfer is $15 or less. Preauthorized credits. If you have arranged to have direct deposits made to your account at least once every 60 days from the same person or company, you can call us at (405) to find out whether or not the deposit has been made. Periodic statements. You will get a monthly account statement from us for your share draft/checking accounts. You will get a monthly account statement from us for your share/savings accounts, unless there are no transfers in a particular month. In any case, you will get a statement at least quarterly. PREAUTHORIZED PAYMENTS Right to stop payment and procedure for doing so. If you have told us in advance to make regular payments out of your account, you can stop any of these payments. Here is how: Call or write us at the telephone number or address listed in this disclosure in time for us to receive your request 3 business days or more before the payment is scheduled to be made. If you call, we may also require you to put your request in writing and get it to us within 14 days after you call. Please refer to our separate fee schedule for the amount we will charge you for each stop-payment order you give. Notice of varying amounts. If these regular payments may vary in amount, the person you are going to pay will tell you, 10 days before each payment, when it will be made and how much it will be. (You may choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set.) Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. FINANCIAL INSTITUTION S LIABILITY Liability for failure to make transfers. If we do not complete a transfer to or from your account 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: (1) If, through no fault of ours, you do not have enough money in your account to make the transfer. (2) If you have an overdraft line and the transfer would go over the credit limit. (3) If the automated teller machine where you are making the transfer does not have enough cash. (4) If the terminal or system was not working properly and you knew about the breakdown when you started the transfer. (5) If circumstances beyond our control (such as fire or flood) prevent the transfer, despite reasonable precautions that we have taken. (6) 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: (1) where it is necessary for completing transfers; or (2) in order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant; or (3) in order to comply with government agency or court orders; or (4) as explained in the separate Privacy Disclosure. UNAUTHORIZED TRANSFERS (a) ATM or Debit Card Loss or Fraudulent Transfers If you report an ATM or debit card missing before someone uses it, the Electronic Fund Transfer Act ("EFT A") provides that you are not responsible for any unauthorized transactions. Likewise, if you exercise reasonable care in safeguarding your card from loss or theft and promptly report any loss or theft of your card you will have ZERO liability. If someone uses your ATM or debit card before you report it lost or stolen, your liability depends on how quickly you report it: If you report: Your maximum loss: Before any unauthorized charges are made. $0 Within 2 business days after you learn about the loss or theft. $50 More than 2 business days after you learn about the loss or theft, but less than 60 calendar days after your statement is sent to you. $500 More than 60 calendar days after your statement is sent to you. All the money taken from your ATM/debit card account, and possibly more; for example, money in accounts linked to your debit account. If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you. TFCU must be notified of loss, theft, or possible unauthorized use of the card by notification in person, by calling (405) or (800) ext. 2255, or by writing to TFCU at P.O. Box 45750, Tinker AFB, Oklahoma 73145, Attn: Debit Card Department. 10/2017 Page 3 of 6

4 (b) Contact in event of unauthorized transfer. If you believe your card and/or code has been lost or stolen, call or write us at the telephone number or address listed in this disclosure. You should also call the number or write to the address listed in this disclosure if you believe a transfer has been made using the information from your share draft/check without your permission. ERROR RESOLUTION NOTICE In Case of Errors or Questions About Your Electronic Transfers, Call or Write us at the telephone number or address listed in this disclosure, as soon as you can, if you think your statement or receipt is wrong or if you need more information about a transfer listed on the statement or receipt. We must hear from you no later than 60 days after we sent the FIRST statement on which the problem or error appeared. (1) Tell us your name and account number (if any). (2) Describe the error or the transfer you are unsure about, and explain as clearly as you can why you believe it is an error or why you need more information. (3) Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send us your complaint or question in writing within 10 business days. We will determine whether an error occurred within 10 business days (5 business days for Visa -branded Debit Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) after we hear from you and will correct any error promptly. If we need more time, however, we may take up to 45 days (90 days if the transfer involved a new account, a point-of-sale transaction, or a foreign-initiated transfer) to investigate your complaint or question. If we decide to do this, we will credit your account within 10 business days (5 business days for Visa -branded Debit Card point-of-sale transactions processed by Visa and 20 business days if the transfer involved a new account) 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 question in writing and we do not receive it within 10 business days, we may not credit your account. Your account is considered a new account for the first 30 days after the first deposit is made, unless each of you already has an established account with us before this account is opened. We will tell you the results within three business days after completing our investigation. If we decide that there was no error, we will send you a written explanation. You may ask for copies of the documents that we used in our investigation. TINKER FEDERAL CREDIT UNION MEMBER SERVICES, CARD CENTER, OR SUPPORT OPERATIONS P.O. BOX TINKER AFB, OK Business Days: Monday through Friday Excluding Federal Holidays Phone: (405) Ext or (800) Ext MORE DETAILED INFORMATION IS AVAILABLE ON REQUEST NOTICE OF ATM/NIGHT DEPOSIT FACILITY USER PRECAUTIONS As with all financial transactions, please exercise discretion when using an automated teller machine (ATM) or night deposit facility. For your own safety, be careful. The following suggestions may be helpful. 1. Prepare for your transactions at home (for instance, by filling out a deposit slip) to minimize your time at the ATM or night deposit facility. 2. Mark each transaction in your account record, but not while at the ATM or night deposit facility. Always save your ATM receipts. Don t leave them at the ATM or night deposit facility because they may contain important account information. 3. Compare your records with the account statements or account histories that you receive. 4. Don t lend your ATM card to anyone. 5. Remember, do not leave your card at the ATM. Do not leave any documents at a night deposit facility. 6. Protect the secrecy of your Personal Identification Number (PIN). Protect your ATM card as though it were cash. Don t tell anyone your PIN. Don t give anyone information regarding your ATM card or PIN over the telephone. Never enter your PIN in any ATM that does not look genuine, has been modified, has a suspicious device attached, or is operating in a suspicious manner. Don t write your PIN where it can be discovered. For example, don t keep a note of your PIN in your wallet or purse. 7. Prevent others from seeing you enter your PIN by using your body to shield their view. 8. If you lose your ATM card or if it is stolen, promptly notify us. You should consult the other disclosures you have received about electronic fund transfers for additional information about what to do if your card is lost or stolen. 9. When you make a transaction, be aware of your surroundings. Look out for suspicious activity near the ATM or night deposit facility, particularly if it is after sunset. At night, be sure that the facility (including the parking area and walkways) is well lighted. Consider having someone accompany you when you use the facility, especially after sunset. If you observe any problem, go to another ATM or night deposit facility. 10. Don t accept assistance from anyone you don t know when using an ATM or night deposit facility. 11. If you notice anything suspicious or if any other problem arises after you have begun an ATM transaction, you may want to cancel the transaction, pocket your card and leave. You might consider using another ATM or coming back later. 12. Don t display your cash; pocket it as soon as the ATM transaction is completed and count the cash later when you are in the safety of your own car, home, or other secure surrounding. 13. At a drive-up facility, make sure all the car doors are locked and all of the windows are rolled up, except the driver s window. Keep the engine running and remain alert to your surroundings. 14. We want the ATM and night deposit facility to be safe and convenient for you. Therefore, please tell us if you know of any problem with a facility. For instance, let us know if a light is not working or there is any damage to a facility. Please report any suspicious activity or crimes to both the operator of the facility and the local law enforcement officials immediately. 10/2017 Page 4 of 6

5 OTHER TERMS TRANSACTION AMOUNT LIMITATIONS TFCU has imposed daily total dollar amount limits for transactions via ATM/Debit Card, Command Center, and PC Home Branch. You may call our Card Center, (405) , ext. 2273, for additional information regarding these limits. OVERDRAFT OPTIONS - If on any day, the funds in your share draft/checking account are not sufficient to cover drafts, fees, or other items posted to your account, those amounts will be handled in accordance with our overdraft procedures. Our determination of an insufficient account balance may be made at any time between presentation and our midnight deadline with only one review of the account required. We do not have to notify you if your share/savings account does not have funds to cover drafts, fees, or other posted items. Whether the item is paid or returned, your account may be subject to a charge as set forth in the Rate and Fee Schedules. Except as otherwise agreed to by us in writing, we, by covering one or any overdraft, do not agree to cover overdrafts in the future and may discontinue covering overdrafts at any time without notice. If we pay a draft or impose a fee that would otherwise overdraw your account, you agree to pay the overdrawn amount immediately. Refer to our Understanding Your Overdraft Options brochure for a comparison of the overdraft options we offer. Overdraft Transfers - If we have approved overdraft transfers for your account, we will honor drafts drawn on insufficient funds by transferring funds from another share/savings or loan account under this Agreement, as you have directed, or as required under our overdraft protection policy. Overdraft transfers work as follows: In the event that any of the signors on the share draft/checking account agreement performs a transaction (such as writing a check or using a debit card) which would result in the share draft/checking account being overdrawn, and if at any time any of the signors has an effective overdraft transfer arrangement from us under an open-end loan agreement or from a share/savings account, such transaction shall be deemed to be a request to us for an advance under such open-end or share/savings overdraft agreement sufficient to permit us to honor such transaction. If the credit of the signor(s) or the account balance is adequate, we will credit the advance to the share draft/checking account as follows and are hereby authorized to pay the transaction and deduct its amount against the share draft/checking account. For Automated Clearing House (ACH) debits and share draft/check presentments: in increments of $50 For ATM withdrawals and point-of-sale (POS) debit transactions: the amount needed to pay the transaction For over-the-counter share drafts/checks: the amount needed to pay the transaction (if advancing from a share/savings) or in increments of $50 (if advancing from a line of credit) If, however, none of the signors is eligible to receive such advances or do not have available credit or funds in an amount sufficient to honor such transaction, we may dishonor the transaction or treat it as if the account did not have an overdraft transfer agreement from an open-end loan or share/savings account feature or may pay the transaction and deduct the amount of the resulting overdraft against any available funds in any account of any of the signors, including accounts which the signor(s) own jointly with any other person. Overdraft Coverage - The Overdraft Coverage program allows us to pay a transaction on your share draft/checking account even if it causes the account to become overdrawn. Overdraft Coverage provides you an added layer of safety, in addition to any pre-authorized overdraft transfer arrangement with us, should you accidentally write checks, make withdrawals, or perform ATM/debit card (MoneyPlus TM Visa check card) transactions for more than you have in your account and/or overdraft transfer accounts, i.e., Line of Credit, share/savings, or Command Fund/Premium Plus accounts. Your pre-authorized overdraft transfers, if any (see the section above), will be exhausted before Overdraft Coverage will be invoked to pay any of these transactions. If you overdraw your account, we may pay each item up to an account Overdraft Coverage limit of: All new accounts listed below (first 60 days) - $100 Heritage Club, Click, and classic Checking - $1,000 Your account will be charged with an Overdraft Coverage fee of $22.50 on any overdraft we pay within your Overdraft Coverage limit, unless the overdraft causes your account to be overdrawn $5 or less (in which case there is no fee). There is a $135 daily limit on the total fees we may charge you for overdrawing your account, and your Overdraft Coverage limit includes fees we charge. For example: If you overdraw your account by $250 in a single transaction, we may pay the transaction, charge you a $22.50 fee, and count $ ($250 + $22.50) against your limit; or, If you overdraw your account by $250 in a series of five transactions, we may pay the transactions and charge you a $22.50 fee for each transaction in the series (5 x $22.50 = $112.50), and count $ ($250 + $112.50) against your limit. TFCU reserves the right to suspend and/or permanently remove your Overdraft Coverage privileges. Whether we return or pay an insufficient-funds (NSF) item, a per item fee of $22.50 (beginning with a negative balance of $5.01, up to the daily limit of $135) will be charged to your account as either an NSF fee or an Overdraft Coverage item fee, as set forth in our fee schedule. Transactions may not be processed in the order in which they occurred. This is especially true for draft clearings and signature-based debit card transactions which may take varying amounts of time for presentment through the payment systems. In an effort to minimize the number of returned items, we process the daily check clearing from the smallest to largest dollar items. The order in which we process them can affect the total amount of fees you incur. We are not obligated to pay any item(s) presented for payment if the account does not contain sufficient collected funds. However, we may, at our discretion, pay the overdrafts if the following conditions are true: If you maintain the account in good standing, defined as (a) making deposits sufficient to cover transactions, (b) bringing the account to a positive balance at least once every thirty (30) calendar days, and (c) there are no legal orders outstanding; and For ATM and one-time MoneyPlus TM Visa check card transactions against your share draft/checking account, if you have "opted in" to the payment of these types of transactions (see Opt-In Rights below).we will retain the right to refuse to pay an overdraft at any time, even though we may have previously paid the overdrafts. You will be informed by mail of any NSF items paid or returned that the account may have. However, we have no obligation to inform you before we pay or return an item. The amount of any overdrafts, plus applicable fees, is due and payable on demand. If we pay an overdraft on an account with more than one (1) owner on the signature card, all owners drawing or initiating the item(s) or transactions creating the overdraft are jointly and severally liable for each overdraft plus applicable fees. Collection steps will be taken on accounts whose negative balances exceed thirty (30) calendar days. Opt-In Rights: Federal regulations require that you make a conscious decision about Overdraft Coverage for two specific types of transactions on your share draft/checking account ATM withdrawals and one-time MoneyPlus TM Visa check card transactions. When you obtain an ATM or MoneyPlus TM Visa check card, we will ask you if you want to "opt in" to Overdraft Coverage protection for these two types of transactions. If you opt in, we may pay these two types of transactions under the terms listed above. If you do not opt in, your ATM withdrawals and one-time MoneyPlus TM Visa check card transactions will be declined if there are insufficient funds in your account. If you opt in, we may pay rather than decline the transaction(s) and we will 10/2017 Page 5 of 6

6 charge an Overdraft Coverage fee of $22.50 for each transaction (unless, as noted above, the transaction results in a total overdraft of $5 or less), up to the daily limit of $135. When you make a purchase with your MoneyPlus TM Visa check card, the merchant may seek our prior authorization for the transaction. We generally place a temporary hold against some or all of the funds in the account linked to your MoneyPlus TM Visa check card if and when an authorization request is obtained. The amount of the authorization hold will be subtracted from your available balance (generally in real time as they are received by us throughout each day). However, if the transaction is not submitted for payment by the merchant within the specified time period, we will release the authorization hold, which will increase your available balance until the transaction is submitted for payment by the merchant and finally posted to your account. If this happens, we must honor the prior authorization and will pay the transaction from your account. We urge you to record and track all of your transactions closely to confirm that your available balance accurately reflects your spending of funds from the account linked to your ATM or MoneyPlus TM Visa check card. You or any joint owners have the right to revoke the opt-in at any time by stopping by any branch or by calling our Member Service Center at or Limitations: Overdraft Coverage is available only on personal share draft/checking accounts owned by members who are 18 years of age or older. We may limit the number of accounts eligible for Overdraft Coverage to one per household. Additionally, we reserve the right to disapprove overdrafts against any account until we can verify that the account is being maintained in good standing (as defined above). Access Points: Overdraft Coverage and its associated fees may be invoked by any item or transaction that affects your share draft/checking account balance, such as share drafts/checks, Automated Clearing House (ACH) transactions, Home Branch, BillPay Online, telephonic transactions, over-thecounter share draft/check processing, and, if you opt in, ATM and one-time MoneyPlus TM Visa check card transactions. However, your Overdraft Coverage limit will not be reflected in your available balance on an inquiry provided by a teller, at an ATM, or through Home Branch or any other electronic service. Overdraft Coverage Disclaimer: Our Overdraft Coverage plan is non-contractual and discretionary. It is not a TFCU obligation and we may refuse to provide the service on any personal share draft/checking account at any time and from time to time. You do not have a contractual right to overdraft, nor is it guaranteed by the Overdraft Coverage plan. Revocation: You may revoke Overdraft Coverage at any time by calling us at or , Ext You may cancel Overdraft Coverage entirely, which means no transaction that overdraws your share draft/checking account will be paid. However, once this service is removed, if an item is presented for payment and there are insufficient funds in your account, the item will be returned to the payee and our standard NSF per-item fee will be charged to your account , 1993 Wolters Kluwer Financial Services Bankers Systems Form ETM-BRO-CU 12/14/93 Custom 2bb 10/2017 Page 6 of 6

IMPORTANT ACCOUNT INFORMATION FOR OUR CUSTOMERS from. Union State Bank 545 Main Street Everest, KS (785)

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