Payment order of items – The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. The payment order can affect the number of items overdrawn or returned unpaid and the amount of the fees you may have to pay. To assist you in managing your account, we are providing you with the following information regarding how we process those items.

· First, credit transactions are applied in timestamp order.

· Then, transfers and teller transactions are applied, chronologically based on the date and time of transaction, starting with the lowest number. Transfers and teller transactions include, but are not limited to, checks deposited or cashed at our teller window, checks deposited via remote deposit capture/mobile banking, automatic loan payments, internet transfers, etc.

· Then, we apply ATM, Debit Card, and Person to Person (P2P) transactions chronologically based on the date and time of the transaction on the day they are presented or shown as pending.

· Then, we apply ACH and wire transfer debits, in ascending order based on the date and time they are presented or shown as pending. ACH and wire transfer debits include, but are not limited to, ACH funds transfers and withdrawals, outgoing wires, online banking transfers, and electronified checks (i.e. when a merchant submits your check to us electronically).

· Then, we apply checks (other than those in the categories described above) and other debits (other than those in the categories described above), chronologically based on the date and time of transaction, starting with the lowest number.

If a check, item, or transaction is presented without sufficient funds in your account to pay it, you may be charged an NSF or Overdraft fee, as it may apply to your account type. Please refer to our Fee Schedule for the amounts of the Overdraft and NSF fees charged. We encourage you to make careful records and practice good account management. This will help you to avoid creating items without sufficient funds and potentially incurring the resulting fees.