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We’re

upgrading

our

mobile & online

banking Nov.

13-16.

Products

&

Services

for you.

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Para obtener una versión de esta guía en español, por favor comuníquese con su sucursal local o con nuestro Centro de atención al cliente al 800-324-9375 o baje una copia del www.es-washingtonfederal.com.

Dear Valued Client:

Greetings from Washington Federal! As a company that’s truly invested in our clients’ banking experiences, we’re always looking for ways to bring you the safest, most convenient products and services. We know that the methods that today’s consumers use to manage their money are drastically different than yesterday. More of us are opening accounts online, transferring money from our phones and chatting with a company representative from our home computers. At Washington Federal, we want to make sure our systems securely and efficiently support your evolving banking habits.

To that end, we’re excited to announce that we’ll be upgrading our online and mobile banking processing platforms this fall. So what does this mean for you? It means an updated, state-of-the-art banking experience that is specifically designed to help today’s consumer manage their finances more effectively. We’ve put together this guide to serve as your one-stop source for information about the transition. We know change is never easy, but we’re confident you’ll like the ultimate results.

We understand that even with the best written explanations, sometimes talking with a real person can be helpful. We’ve been working with our team members to help prepare for this transition. Our dedicated Client Care Center is available to assist you and answer any questions you may have. This team can be reached at 800-324-9375 or via email at ask@wafd.com.

We look forward to continuing to support you in achieving your financial goals. Thank you for choosing to bank with Washington Federal.

Best regards,

Brent Beardall

Executive Vice President Chief Banking Officer Washington Federal

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We’re upgrading our online and mobile banking November 13-16.

Over the weekend of November 13-16, we’ll be updating our banking processing platform. Telephone, mobile and online banking will not be available from Friday, November 13 at 6pm Pacific Time through Monday, November 16 at 6pm Pacific Time. Beginning Monday, November 16, our telephone, online and mobile banking platforms will be operating on our new processing system. This system will appear and function differently. Please review this guide for more details.

In order to complete the upgrade, our branches will be closed on Monday, November 16. We apologize for this inconvenience. You may continue to access cash at our ATMs. Please be aware that your available balance may not reflect deposits and withdrawals you make between November 13 and 16.

What can you expect during this transition?

We are committed to partnering with you to make this transition as smooth and seamless as possible. While the majority of the changes will be invisible, there are a few steps we’re asking you to take. Please review this guide, especially the checklist on page 16, so that you know what to expect. We’ve also included details about minor changes we’re making to our products and fees.

New features & benefits:

Faster processing and updated balances. Our new online and mobile banking platforms will reflect most deposits and withdrawals more quickly, especially after business hours and on weekends.

Paper-free branches. Sign for your transactions electronically, eliminating the need for deposit slips or withdrawal tickets.

Verified in-branch identification. Branches will now be scanning IDs before a transaction to help verify and protect your identity.

MyTransfer overdraft protection. Link your checking account to a Washington Federal savings or money market account, so in the event of an accidental overdraft, we transfer the needed funds to cover you.

Link your debit card to multiple accounts. Access your cash from multiple accounts at an ATM.

Faster processing times. Your account balances will reflect debit card purchases, most deposits, and electronic transfers more quickly, especially after normal business hours and on weekends.

We’re here to help.

We’ve tried to include all the details you’ll need in this guide, but we understand that you may have questions. We’re here to help! If you need assistance regarding this transition, please don’t hesitate to contact our Client Care Center or your local branch.

Client Care Center

Phone: 800-324-9375 Email: ask@wafd.com Standard Hours:

Monday-Friday, 7am-7pm Pacific Time and Saturday-Sunday, 9am-5pm Pacific Time

In addition to our standard hours of operation listed above, our Client Care Center will be available during extended hours from November 13 to December 13: Monday-Friday from 6am-9pm Pacific Time and Saturday-Sunday from 7am-7pm Pacific Time.

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Personal Checking:

Our checking products are focused on providing our clients with simple, yet effective solutions. We want to ensure that your account meets your needs. To that end, we’ve made a few changes to our personal checking accounts, policies and associated service fees. Please review the checking chart for details about our options. For a complete list of fees and services, please see page 17.

To review our updated Funds Availability Policy, please see page 32.

Your checking account type(s) and your account number(s) will NOT change during this transition. However, we have made a few changes to our terms and fees, so if you see another account that better meets your needs, just let us know and we’ll make the switch.

Each Washington Federal checking account includes these features:

Debit/ATM Card with Access to

24,000 Fee-Free MoneyPass ATMs MoneySync™ Personal Financial Management Tools Popmoney® (Person- to-Person Payments)

Direct Deposit Mobile Banking App Telephone Banking

Online Banking with CheckFree®

Bill Payment Mobile Photo Deposit Account-to-Account Transfers

eStatements

Your checking options.

Account Simple Checking Performance Checking Stellar Checking

Description Sometimes, simpler is better. We’re talking about no minimum balance & no monthly maintenance fees. Plus, a whole lot of other features designed to help you manage your hard-earned money, hassle-free.

Want a checking account that works as hard as you do? Performance Checking pays you interest on your funds every month. Plain & simple.

When it comes to this checking account, it’s all about the benefits. Stellar Checking is considered our top-of-the-line option. Earn these extra benefits when you maintain a $10,000 minimum balance:

Enjoy complimentary “house” checks, domestic wires and notary services.

Monthly

Service Fee No Fee Waived $12 monthly fee when you keep a $1,000 minimum balance or have $5,000 in related Washington Federal deposit accounts.

Waived $20 monthly fee when you keep a $5,000 minimum balance or have $5,000 in related Washington Federal deposit accounts.

Minimum to

Earn Interest N/A $1,000 $10,000

Interest Rate & Annual Percentage Yield*

This account does not

earn interest. $1,000-$9,999:Rate 0.05%/APY 0.05% $10,000-$250,000: Rate 0.05%/APY 0.05% $10,000-$89,999: Rate 0.05%/APY 0.05% $90,000-plus: Rate 0.05%/APY 0.05% Additional

Benefits No-fee bill payFee-free access to 24,000

MoneyPass ATMs eStatement delivery

No-fee bill pay

Fee-free access to 24,000 MoneyPass ATMs

eStatement delivery

No-fee bill pay

Fee-free access to 24,000 MoneyPass ATMs

eStatement delivery

Rates quoted as of September 1, 2015. Rates are subject to change.

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Check current CD rates.

Money Market, Savings & CD Accounts:

With so many ways to save, it can be a challenge knowing where to start. But at Washington Federal, we have a straightforward approach that allows you to clearly understand your options – so you can watch your money grow. We’re making a few changes to our savings accounts structure, policies and fees. For details, please see pages 17 and 20-39.

Account Money Market Statement or Passbook Savings CDs

Description More accessible than a regular savings account. More flexible than a CD. A money market account is a great way to earn a higher interest rate & still have easy access to your cash.

It’s the basic foundation of a solid financial plan. Our savings accounts are available in either a statement or passbook style. Remember your first bank account? Teach your children the value of saving by opening a traditional passbook account – a great first account for a child.

A CD, or certificate of deposit, is an agreement between you & the bank. You agree to keep your money here on deposit with us for a specified amount of time, and in return, we agree to pay you a higher rate than you’d receive otherwise. It’s a straightforward way to boost the return on your savings.

Monthly

Service Fee Waived $10 monthly fee when you keep a $1,000 minimum balance.

Waived $4 monthly fee when you keep a $100 minimum balance (free for minors under 18).

None. But early withdrawal penalties may apply.

Minimum to

Earn Interest $1,000 $100 ($10 for minors) $1,000

Interest Rate & Annual Percentage Yield* $1,000-$49,999: Rate 0.10%/APY 0.10% $50,000-$89,999: Rate 0.10%/APY 0.10% $90,000-plus: Rate 0.15%/APY 0.15% $1,000-$9,999: Rate 0.10%/APY 0.10% $10,000-plus: Rate 0.10%/APY 0.10%

Varies by term. Your current CD rate will remain the same until maturity. Visit our website or call our Client Care Center at 800-324-9375 for current rates.

Excess Transaction Fee

$15 if more than 6 checks, online transfers, and/or electronic (ACH) transfers clear per month.

$15 if more than 6 checks, online transfers, and/or electronic (ACH) transfers clear per month.

*Rates quoted as of September 1, 2015. Rates are subject to change.

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Update your Passbook account:

Please see below for details about your passbook savings or passbook money market account.

Passbook Savings:

Watch your mail for your passbook’s pre-upgrade account history. Between November 16–23, you will receive a mailed statement of any passbook account activity through November 13 that is not yet recorded in your passbook. Please add that statement to your passbook.

If you would like account history printed in your passbook, please visit your local branch before Friday, November 13. After Monday, November 16, we will be unable to print account history that occurred prior to that date.

Beginning Tuesday, November 17, passbook printers will no longer be available at all branch locations. For your convenience, if a passbook printer is not available at your branch, then we will be happy to send your passbook to another location for printing and then mail it back to you.

Passbook Money Market:

As part of our upgrade, any passbook money market account(s) will automatically be transitioned from passbook style to a statement money market account.

What does this mean for you? Your rate or account number(s) will not be affected by this change. With a statement money market account, you will have the added convenience of choosing to receive your statement by electronic delivery via email. By default, you will receive a paper statement in the mail. If you would like to receive your statement electronically, simply log in to washingtonfederal.com after Monday, November 16 and sign up for eStatements.

Watch your mail for your passbook’s pre-upgrade account history. Between November 16–23, you will receive a mailed statement of your passbook account(s) activity through November 13 that is not yet recorded in your passbook. Please add that statement to your passbook.

If you would like account history printed in your passbook, please visit your local branch before Friday, November 13. After Monday, November 16, we will be unable to print account history that occurred prior to that date.

Individual Retirement Accounts:

Here are a few updates and changes that we’re making to Individual Retirement Accounts (IRA) and Coverdell Education Savings Accounts. Beginning Monday, November 16:

You can have a balance of $100 or more in IRA CDs up to 23 months in term, instead of the previously required range of 3 months to 18 months.

We will no longer be assessing a Transfer-Out fee.

You will be able to choose any date of the year for your annual distribution.

We will be centralizing the distribution process for IRAs. We will have the ability to mail you the distribution funds or deposit them directly into a Washington Federal checking, savings or money market account.
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Learn about EMV chips.

Debit Cards:

Paying with your Washington Federal debit card is now more secure. We are sending new debit cards that contain an electronic “EMV” chip, as well as the traditional magnetic stripe, to all current cardholders. EMV chips are more secure as they keep card numbers encrypted throughout transactions and cards with EMV chips are harder to duplicate.

Please call to activate your new debit card(s) right after you receive it. Your card number and PIN will not change with your new chip cards. However, your new chip card will have a different

expiration date and three-digit CVV2 code, located on the back of the card. If you

have automatic payments or transactions linked to your debit card, remember to update those merchants with your new expiration date so that your payment(s) can continue to be processed.

Didn’t receive a debit card with a chip? If you do not receive your new card by November 1, or have questions about activation, please call our Client Care Center at 800-324-9375.

Coming soon…debit benefits! Get more when you pay with your Washington Federal debit card. Your debit card includes Visa’s warranty manager service, return protection, purchase security, price protection, and identity theft assistance.

Make cash & check deposits at your neighborhood ATM! We’ve upgraded our ATMs. These “smart” ATMs handle bulk deposits of checks and cash without requiring a deposit slip or envelope. Check our website or with your local branch to find a smart ATM near you.

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Online Banking:

As we convert to an upgraded online banking system, you will notice a new look and feel. When you log in after 6pm Pacific Time on Monday, November 16, you’ll find a few improvements within our new online banking system:

New format and layout. We hope you find the system to be easier to navigate with new shortcuts and fewer clicks to get what you want.

Faster processing times. Your account balances will reflect debit card purchases, most deposits, and electronic transfers more quickly, especially after normal business hours and on weekends.

Ability to request funds. Our new online banking system will allow you to request to transfer money from one of your non-Washington Federal accounts or from a friend. (Not available on mobile devices.)

Transfer funds person-to-person. Send money to your friends via email or text with Popmoney. See page 10 for details.

Pay your loan from an outside account. You’ll have the ability to send one-time payments to your Washington Federal mortgage, line of credit or other loan from a non-Washington Federal account. See pages 12-13 for details.

Access to online banking will not be available from 6pm Pacific Time on Friday, November 13, to 6pm Pacific Time on Monday, November 16. We apologize for any inconvenience this may cause and encourage you to plan ahead by making necessary transfers and payments before Friday, November 13. See page 14 for more information.

Sign into Washington Federal online banking beginning at 6pm Pacific Time on Monday, November 16.

1. Sign in and access your account(s) by visiting Washington Federal’s website at washingtonfederal.com. 2. On the homepage, enter your current online banking username.

3. On the next screen, enter your current password.

4. On the next screen, enter your phone, email and the last 4 digits of your Social Security number to verify your identity and click “Next.”

5. You will be asked to consent to the new Online Banking Service Agreement for Personal Account Customers. This agreement includes the CheckFree Web Terms and Conditions for Online Bill Payment and External Transfer as well as Popmoney Payments Terms and Conditions for transfers to non-Washington Federal accounts and to other persons.

6. As part of your initial login to our new online banking system, you will need to verify that your password meets our new security criteria. Depending on your current password, you may need to add more characters, symbols or numbers.

7. Please review our new Extended Authentication Terms and Conditions; click to accept the new terms. 8. To complete the initial sign in process, you’ll need to verify your enrollment via a SMS text or a phone call to

the number currently registered to your accounts.

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Coming soon…

Bill Pay Presentment! Our new online banking system will include Bill Pay Presentment. This complimentary service gives

you the option to have your bills delivered electronically so you can pay them directly

Find out more about online banking.

Online Bill Pay:

As part of our online upgrade, we’ll be offering online bill payment through CheckFree. CheckFree online bill

payment will continue to be a complimentary, convenient way to pay all of your bills. Although the format will look a little different, we think you’ll like the updated features.

Please see below for important information about steps you can take to help ensure your Bill Pay items transfer smoothly.

Online banking and bill payment will be unavailable from 6pm Pacific Time on Friday, November 13, to 6pm Pacific Time on Monday, November 16. To ensure your bills process in a timely manner, we recommend that you avoid scheduling payments from November 12-16.

Instead of choosing the date you want your payment sent, you’ll now be selecting the date your payment should arrive. CheckFree will operate on a “date paid” model. This means when you schedule a payment, you’ll pick the date on which you would like the bill paid. After you pick the pay date, we will estimate arrival time and send the funds so that they are scheduled to arrive by the due date. We will send your bill electronically or via mailed check, depending on your account balance and your vendor’s payment receiving capabilities.

Your current payees and history will carry over. If you’re currently using our online bill payment system, we will convert most of your available payee information and recurring payment dates. Expect to see that your current payees and recurring payments are set up as they were on the previous system, but please review scheduled payments and payment dates when you log in after 6pm Pacific Time on Monday, November 16.

Current alerts will need to be re-established. If you currently receive an alert regarding your Bill Pay activity, then you will need to re-establish these alerts in the CheckFree online banking platform starting at 6pm Pacific Time on Monday, November 16.

CheckFree Terms and Conditions. The first time you sign into the upgraded online banking platform after 6pm on Monday, November 16, you will be asked to consent to the Washington Federal Online Banking Service Agreement for Personal Account Customers, which includes the CheckFree Web Terms and Conditions.

What happens if you don’t have the funds to cover your payments: Beginning Monday, November 16, if sufficient funds are not available in your account when an item is first presented for payment, then Washington Federal can attempt to debit your account and collect the funds up to two more times. If you do not have sufficient funds after the third attempt, then the payment owed will be moved to collection. This will result in additional fees and the removal of CheckFree access from your online banking profile. A history of non-payment due to non-sufficient funds may delay processing of CheckFree payments or result in a denial of service. If you are in a collection state with CheckFree at another financial institution, your access to CheckFree may be denied.

To ensure recurring payment details are correct, we ask you to sign into Washington Federal’s online banking soon after 6pm Pacific Time on Monday, November 16 to review your payee information and verify vendor (payee) names, remittance addresses and payment due dates.

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Explore mobile banking.

Mobile Banking:

We’re bringing you a new mobile banking experience. Beginning Monday, November 16, the Washington Federal mobile banking app will change. Many of the functions you’re used to will still be there, plus some new ones!

View account history

Check your balance

Make transfers

Pay bills

Make a loan payment

Get a loan advance

Deposit a check with your phone

Like Online Banking and Bill Pay, mobile banking will be unavailable from 6pm Pacific Time on Friday, November 13 to 6pm Pacific Time on Monday, November 16. We apologize for the inconvenience. Please see our Frequently Asked Questions section on page 14 for information about how to access your account between 6pm Pacific Time on Friday, November 13 to 6pm Pacific Time on Monday, November 16.

To access mobile banking beginning at 6pm Pacific Time on Monday, November 16, you will need to delete your current mobile banking app and download the new Washington Federal mobile app.

You will need to log into your online banking profile on a desktop device before you can access your accounts via the new Washington Federal mobile app. After you log in via a desktop computer, then you may use the same online banking username and password to access your accounts via the mobile app.

You may download the new app beginning at 6pm Pacific Time on Monday, November 16 by searching for “Washington Federal” in your phone’s app store. Our new app will be available on all Apple and Android devices. (If you have a Blackberry or Razor phone, then you may access your accounts via our website at washingtonfederal.com.)

Beginning Monday, November 16, funds from first $200 deposited via photo from your mobile device will be credited to your account by the next business day. Remaining funds will be credited by the second business day after deposit. Please see our Funds Availability Policy on page 32 for more details.

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Telephone Banking:

Your account information is just a phone call away. Please see below for updates and changes to telephone banking beginning on Monday, November 16. (Due to the nature of our upgrades, telephone banking will be unavailable from 6pm Pacific Time on Friday, November 13 to 6pm Pacific Time on Monday, November 16. We apologize for the inconvenience.)

Our telephone banking phone number will remain the same: 877-431-1876. (Outside the U.S., call 801-375-3373.)

We will be moving to an account-number based system. This means you’ll log into the account you want to review or from which you want to transfer. You’ll first log in using your account number and the last six digits of the primary account holder’s Social Security number.

You will need to choose and establish a PIN for your account(s) when you first call on, or after, Monday, November 16. You may choose to have the same or different PINs for multiple accounts.

You will also have the ability to pay your loan with funds from your Washington Federal account or from an account at another financial institution. Please see page 12 for details.

To access your account via telephone banking beginning at 6pm Pacific Time on Monday, November 16, please call 877-431-1876 and follow the prompts for creating a PIN.

Introducing Popmoney!

We’re excited to be launching Popmoney in November. Popmoney is a simple, convenient and secure way to send and receive funds. With Popmoney, a person-to-person payment solution, you can send and receive payments almost as easily as sending an email or text.

Popmoney enables you to send money directly to anyone (whether they bank at Washington Federal or not) via an account number, an email address or a mobile phone number.

Popmoney will be available via both online banking and mobile banking beginning 6pm Pacific Time on Monday, November 16.

You will need to re-establish any external or person-to-person transfers as those will not carry over into the Popmoney platform.

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Online Security:

The security of your bank account depends on you too.

Washington Federal takes very seriously our responsibility to protect the privacy and security of your personal and financial information. We adhere to some of the strictest privacy standards in the industry, because we know you want to keep financial matters confidential. The security and safety of your account are top priorities of Washington Federal. We share this responsibility with our clients and encourage you to put in place measures and best practices to help keep your information safe and out of the hands of fraudsters.

Deter identity theft by safeguarding your information.

Be sure to shred financial documents and paperwork with personal or financial information before you recycle or discard them.

Don’t carry your Social Security card in your wallet. Only supply it when absolutely necessary.

Don’t give out personal information over the phone, through the mail or online unless you know who you are dealing with. Your bank or credit card company will not ask you for your PIN or passwords.

Avoid disclosing personal financial information when using public wireless connections (wifi).

Don’t use an obvious password, like your birth date, mother’s maiden name or the last four digits of your Social Security Number.

Follow these best practices when online.

Never click on links sent in unsolicited emails. If you haven’t opted in to receive a company’s messages, then type in the web address rather than click a link. Visit OnGuardOnline.gov for more tips.

Make it a habit to check the sender’s email address to make sure the message appears to be from a legitimate source.

Update your device’s anti-malware software and use the latest operating system. These typically include enhanced security to help protect your apps and data.

Use public wifi with care. Try to limit use of public computers and wifi hotspots to general surfing. Do not log into your bank accounts on public computers or wifi.

Be suspicious of emails that claim to be from a financial institution or government entity that request information or urgent action, including requests to click to download software, enter your password, or includes threats or offers that are unlikely or unusual.

Safe Deposit Boxes:

We’ll continue to offer safe deposit box rental services at select Washington Federal locations. However, we will be standardizing our payment process and rental fees, so any branch-level promotional terms you may have received are ending as of November 13, 2015.

If your account is debited automatically to pay for rent, then that service will continue unchanged. If you receive an annual bill, those will be sent from a central location beginning in November.

Safe deposit box sizes vary by location and range from 2”x5” to 34”x16”. Rental fees are assessed annually and depend on the size of the box. Please contact your local branch for availability.

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Mortgages and Consumer Loans:

If you currently have a loan, line of credit, mortgage or home equity line of credit with Washington Federal, then we’d like to make you aware of some changes that you can expect after our system upgrade.

Your monthly statement will have a slightly different appearance. You should receive two November statements. One statement will contain activity through November 13 and the other will contain activity from November 16 through the end of your statement cycle.

If you have a home equity line of credit, beginning 6pm Pacific Time on Monday, November 16, our new system will allow us to draw funds directly from your line, rather than through an Access checking account. As a result, if you use checks that are drawn off your home equity line of credit, you may notice that the next time you order checks, your loan number will appear on the checks. You may continue to use your current checks until you’re ready to reorder. This will not affect your ability to write checks or transfer funds from your home equity line of credit to other accounts.

Please see below for details about how your chosen method of payment may be affected.

Loan payments using EZ Pay:

All established, recurring loan payments set up via EZ Pay will continue. This upgrade will not affect these automatic loan payments. The current delivery method of your monthly statement (electronic or paper) will also continue unchanged.

If your EZ Pay payment is for more than the regularly scheduled amount, applicable fees that you owe will be deducted before the excess funds are applied to the loan’s principal balance.

Want to sign up for pre-authorized payments? Contact your local branch or our Client Care Center at 877-894-5498 to set up automatic payments.

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Explore mortgage and lending solutions.

Loan payments using Telephone Banking:

Beginning 6pm Pacific Time on Monday, November 16, all loan payments made over the phone will be processed using our new, upgraded telephone banking system. As a result, the prompts you need to select to make a payment will change. Please follow the steps below to make a payment.

1. Call 877-431-1876.

2. Enter your loan number. (If you do not know your loan number, please call our Client Care Center at 877-894-5498 and we can provide it to you.)

3. Select “Make a loan payment.”

Loan payments made by phone prior to midnight Pacific Time will be applied to your loan on the business day they are received.

New! You will also have the ability to pay your Washington Federal loan from an external (or non-Washington Federal) account. External loan payments made by phone are assessed $5 fee. Payments made from a Washington Federal account are not assessed a fee.

Payments made from statements or remittance slips:

You may continue to mail us your payment or you may also pay in person at any branch. Payments received during our lobby hours are posted the same business day. Please visit our website at washingtonfederal.com for a complete listing of locations.

Payments via online banking:

If you currently initiate your payment from another institution’s online banking or bill payment system, then your payment will continue to be processed as it is now. We process these payments and apply them to your loan on the same business day that we receive the payment.

Beginning Monday, November 16, you will have the ability to make a loan payment from an external

(non-Washington Federal) account. Payments made from an external account that are initiated via (non-Washington Federal’s online banking platform are assessed a $5 processing fee and will be applied to your loan within 3 business days. External expedited payments are applied to your loan within 1 business day and are assessed a $10 processing fee. Payments made from a Washington Federal account that are initiated via Washington Federal’s online banking platform will continue to be processed as they are currently. These payments are applied to your loan on the same business day they are received, as long as they are received by midnight Pacific Time.

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Frequently Asked Questions:

We know you probably have questions about this transition, so we’ve put together a list of common questions and answers. Need more information? We’re happy to assist! Please contact our Client Care Center at 800-324-9375 or email us at ask@wafd.com.

Account Access During the Upgrade:

How can I access my funds from Friday, November 13 to Monday, November 16?

You will be able to write checks, withdraw cash at an ATM and use your debit card to access your available balance from 6pm Pacific Time on Friday, November 13 to 6pm Pacific Time on Monday, November 16. Deposits and withdrawals you make over the weekend will not be reflected in your available balance until Tuesday, November 17.

Because of the nature of our upgrade, telephone, online and mobile banking will not be available from 6pm Pacific Time on Friday, November 13 to 6pm Pacific Time on Monday, November 16. Please check your account balance on Friday, November 13, as you will not have online or mobile access to your account(s) after 6pm Pacific Time on Friday, November 13.

You may continue to use any Washington Federal ATM during the weekend to access cash, but your account balance may not reflect deposits or withdrawals made November 13 through November 16. Your balance may not be fully updated until Tuesday, November 17.

Online Banking:

How do I log in after the upgrade?

You can use your current username but will need to verify your other information and may need to strengthen your password. Please see page 7 for instructions.

Can I still access my account history after the upgrade?

Yes, at least the past 90 days worth of history will be available to you within online banking. If you use eStatements, then the last 13 months of statements will be available for you to download within online banking. Please contact your local branch or our Client Care Center at 800-324-9375 if you require access to extended account history and we would be happy to assist you.

Account Numbers:

Will my account number(s) change?

No. However, if your account number starts with one or two leading zeros, then you won’t see those going forward on your statements or within online banking. This will not affect your electronic transfers or existing check processing.

Checks:

Do I need to order new checks?

No, your current checks will continue to be processed normally.

Debit Cards:

Do I need to order a new debit/ATM card?

No. Cardholders will be receiving a new debit card containing an EMV chip in early October. Please activate your new card right away. Then update any automatic payments or transactions that are linked to your debit card, as your new debit card with an EMV chip has an updated expiration date and three-digit CVV2 code (located on the back of the card). If you have not received your new card by November 1, or have questions about activation, please call our Client Care Center at 800-324-9375.

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Direct Deposits & Automatic Payments:

Do I need to update my direct deposits and automatic payments?

No, any direct deposits or automatic payments that are linked to your account will continue.

What about automatic or electronic payments linked to my debit card?

If you’re a cardholder, then you should be receiving a new debit card in the mail that contains an electronic EMV chip. Please update any automatic payments or transactions that are linked to your debit card, as this new debit card with an EMV chip has an updated expiration date and three-digit CVV2 code (located on the back of the card).

Will the automatic transfers I have set up between my accounts continue?

Yes, automatic, recurring transfers you have set up between accounts at Washington Federal will continue. Client Directed Transfers (CDTs) that you have requested and set up with your branch will also continue. However, external, account-to-account transfers or recurring, person-to-person payments that you have set up within online banking will not carry over. We recommend that you log in beginning at 6pm Pacific Time on Monday, November 16 to ensure your recurring transfers are current.

Overdraft Protection:

Will my overdraft protection continue to be linked to my checking account after the upgrade?

Yes, any current account-to-account or account-to-line-of-credit overdraft protection will continue.

Statements:

Will my statements contain the same information as they do now?

Your statements may have a slightly different appearance, but will contain the same information you rely on now.

If I receive eStatements, will my preference carry over?

Yes, if you’ve selected to receive your statements electronically, you will continue to receive eStatements after the upgrade.

Will I receive my statement at the same time of the month as I do now?

Beginning in November, your statement may arrive at a different time of the month than it does now. If you would like to adjust when you receive your statement, please contact your local branch or our Client Care Center at 800-324-9375.

Can I combine my deposit statements into one envelope?

Yes, as part of our upgrade, we will combine all your deposit statements (checking, savings, money market, and CDs) into one combined mailing. You may also register for electronic delivery of statements, or eStatements.

Why did I receive an extra statement in November?

Because of the upgrade, you should receive two November statements. One statement will contain activity through November 13 and the other will contain activity from November 16 through the end of your statement cycle.

Receiving Interest Disbursements:

Will my interest disbursements be affected by the upgrade?

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Use this checklist as a guide:

Key dates & tips for a smooth transition.

We’ve created this timeline and checklist to help walk you through some important steps in the upgrade process. We’re here to help, so please call or email our Client Care Team with any questions at 800-324-9375 or email ask@wafd.com.

Date Item Notes

9/15-11/1 Your new Washington Federal EMV chip debit card should arrive by mail. Your EMV chip card contains a new CVV2 code & expiration date. Be sure to update any direct deposits & automatic payments that are linked to your debit card.

10/1-10/30 Review this guide. Be sure to keep this guide in a safe spot for future reference.

11/9 Watch your inbox for our online banking email for important reminders about access & bill pay.

This email will provide reminders about when you can access our updated online banking system.

11/1-11/12

Update your passbook account history. If you have a passbook savings or money market account(s), consider visiting your local branch to update your passbook account(s) history. After Monday, November 16, prior account history will be unable to be printed in your passbook. You will also receive a mailed statement after Monday, November 16 containing your pre-upgrade account history.

11/12

Last day to schedule bill payments &

transfers using online banking. Please be sure and plan ahead to pay bills that are due November 12-16 before November 12 to ensure payments are received in a timely manner. Review your vendor address information before November 13, as an outdated payment address may delay payments.

11/13 Check your available balance before 6pm Pacific Time. Please note your available balance for spending over the weekend. Your account balance may not fully update until Tuesday, November 17.

11/13-11/16 Online, mobile & telephone banking will be unavailable. Deposits & transactions that occur on November 14-15 will not reflect in your available balance until 6pm Pacific Time on Monday, November 16.

11/14-11/16

To prepare for the upgrade, all Washington Federal branches will be closed Saturday, November 14 until Tuesday, November 17. Branches will reopen at their usual time on Tuesday, November 17.

You may continue to access cash at our ATMs, but please be aware that your available balance may not reflect deposits and withdrawals you make between 6pm Pacific Time on Friday, November 13 and 6pm Pacific Time on Monday, November 16.

11/16

Use your existing online banking username to sign into Washington Federal online banking.

Starting at 6pm Pacific Time, review and set up bill payments, alerts and transfers. You will be asked to verify your security information. You may need to strengthen your password and answer new security questions.

11/16 Access the new mobile banking app. For access to your accounts on your mobile device, please delete the Washington Federal mobile banking app and download the new one. Instructions are available on page 9.

11/16-11/23

Watch your mail for your passbook’s

pre-upgrade account history. If you’re a passbook savings or passbook money market owner, you will receive a mailed statement of your passbook account activity through Friday, November 13. Please add that statement to your passbook.

11/16-12/31

You should receive two November

statements. Because of the upgrade, you should receive two statements in November. One will contain activity through November 13 and the other will contain activity from November 16 through the end of your statement cycle.

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Schedule of Consumer Fees & Service Charges:

Effective 11/16/15

All fees and service charges are subject to change.

Personal Checking Accounts:

Simple Checking

Minimum Balance to Open ...$100 Minimum Balance Fee...No Fee

Performance Checking

Minimum Balance to Open ...$100

Minimum Balance Fee (Less Than $1,000) ...$12 Per Month Waived if you have $5,000+ in related

deposit accounts at fee assessment.

Minimum Balance to Earn Interest...$1,000

Stellar Checking

Minimum Balance to Open ...$100

Minimum Balance Fee (Less Than $5,000) ...$20 Per Month Waived if you have $5,000+ in related

deposit accounts at fee assessment.

Minimum Balance to Earn Interest...$10,000

Savings & Money Market Accounts:

Money Market

Minimum Balance to Open ...$100

Minimum Balance Fee...$10 Per Month Minimum Balance to Earn Interest...$1,000 Minimum Balance to Waive Fee ...$1,000

Excess Transaction Fee† ...$15 Per Transaction

Statement or Passbook Savings

Minimum Balance to Open ...$25

Minimum Balance Fee (Less Than $100) ...$4 Per Month Minimum Balance to Earn Interest...$100 Minimum Balance to Waive Fee ...$100

Excess Transaction Fee† ...$15 Per Transaction

Minor Statement or Passbook Savings

Minimum Balance Fee (Up to Age 18) ...No Fee Minimum Balance to Open ...$10 Minimum Balance to Earn Interest...$10

Excess Transaction Fee† ...$15 Per Transaction

Popmoney:

Popmoney - Express Payment ...$10 Per Payment Popmoney - Standard Payment ...No Fee

Popmoney - Request Money Transactions ...$0.50 Per Transaction

† More than 6 electronic, pre-authorized, telephonic, online or check withdrawals or transfers per month as outlined in your account agreement.

Other Fees & Services:

Card Replacement Order Service ...$5 Per Card Card Replacement - Expedited Service ...$40 Per Card Check Images with Monthly Statement ...$5 Per Month Deposit Ticket/Check Copies ...Price Varies‡ Legal Processing ...$75 Per Occurrence Non-Sufficient Funds Fee ...$25 Per Item Inactive Account - Checking ...$5 Per Month

(Assessed after 90 days without activity)

Inactive Account - Savings & Money Market ...$5 Per Month (Assessed after one year without activity)

Overdraft Transfer or Overdraft Advance Fee...$5 Per Occurrence Research Fee (1 Hour Minimum) ...$30 Per Hour Returned Deposit Item Fee...$10 Per Item Returned Deposit Item Fee - Foreign ...$15 Per Item Statement Copies ...$5 Per Statement Stop Payment ...$25 Per Request Closed Account ...$20

(Assessed if account is closed within 90 days after account opening. Fee does not apply to minor accounts, IOLTAs or CDs)

External Transfers via Online Banking:

TransferNow - Express ...$10 Per Transfer TransferNow - Standard...No Fee

Bill Pay

Bill Pay - Regular Payment ...No Fee

Bill Pay - Next Day Payment ...$10 Per Payment Bill Pay - Overnight Check ...$15 Per Payment Bill Pay - Returned Payment ...$30 Per Return Bill Pay - Claims Investigation ...$29 Per Claim Bill Pay - Stop Payment ...$15 Per Request

Collections

Incoming - Domestic ...$25 Per Collection Incoming - Foreign ...$35 Per Collection Outgoing - Domestic ...$25 Per Collection Outgoing - Foreign ...$35 Per Collection

Cashier’s Checks

Cashier’s Checks ...$10 Per Check Non-Client Exchange From On-Us Check ...$10 Per Check

Wire Transfers

Incoming ...$15 Per Wire Outgoing—Domestic ...$25 Per Wire Outgoing—International ...$50 Per Wire

Loan Payment from External Source by Washington Federal

Via Online Banking ...$5 Per Payment Via Online Banking- Expedited Payment ...$10 Per Payment Via Telephone Banking ...$5 Per Payment

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Personal Deposit Account

Agreement and Disclosures:

Effective November 16, 2015

Welcome to Washington Federal. We are pleased to provide you with this Personal Deposit Account Agreement and Disclosures (“Disclosure”). This Disclosure contains information you will want to know about your personal checking, savings and money market accounts, and certificates of deposit. This Disclosure, the terms disclosed in the “Account Terms” for the type of account opened, the Schedule of Consumer Fees & Service Charges, the deposit rate sheet, any disclosures or agreements we give you when you use additional products and services (for example, the Online and Mobile Banking Service Agreement), separate disclosures we give you regarding electronic transactions, and addenda to this Disclosure, together form the agreement between you and Washington Federal regarding your deposit accounts (the “Account Agreement”). By signing the signature card, by using your account, by requesting or later adding products or services connected to the account, you agree to be bound by the Account Agreement, or in the case of additional account related products or services, the applicable terms and conditions. If there is a conflict between the Account Agreement and any other document or agreement, the Account Agreement governs. The purpose of this Disclosure is to provide you with disclosures required by law and explain the terms and conditions of your personal accounts. Some of the terms and conditions are governed by applicable law and others are governed by rules established by Washington Federal when the law permits variation or there are not applicable regulations. Please read this Disclosure carefully and keep it for future reference. This Disclosure is also available on our website, www.washingtonfederal.com.

Table of Contents:

DEFINITIONS ...20

PART I: PERSONAL DEPOSIT ACCOUNT TERMS AND CONDITIONS ...20

Mobile Phone Contact Policy ... 20

Important Account Opening Information (USA Patriot Act Notice) ... 20

Deposit Policy ... 20

Endorsement ... 21

Checks ... 21

Returned Checks ... 21

Check Cashing Policy ... 21

Withdrawal Policy ... 21

Transaction Processing Order ... 22

Reasons Why We May Refuse To Pay An Item... 22

Postdated Items ... 22

Pre-Authorized Drafts ... 22

Overdraft Policy ... 22

Overdraft Protection (ODP) Service ... 22

Sustained Fee For Overdrawn Accounts ... 23

Stop Payments ... 23

International ACH And Wire Transfers ... 23

Periodic Statements; Time Limit To Report Errors ... 24

Statements ... 24 SafeKeeping ... 24 Account Ownership ... 24 Individual Accounts ... 24 Joint Accounts ... 24 No Two-Signer Accounts ... 25

Trust Accounts And Fiduciary Accounts ... 25

Uniform Gifts/Transfers To Minors Act Account ... 25

Payable On Death ... 26

Time Deposits (Certificates Of Deposit) ... 26

Power Of Attorney... 26

Certified Taxpayer Identification Number Or Social Security Number... 26

Credit Verification And Obtaining Financial Information ... 26

Adverse Claims And Legal Process ... 26

If You Owe Us Money ... 27

Right Of Offset ... 27

Death/Incompetence ... 27

Abandoned Accounts And Unclaimed Property ... 28

Inactive Accounts ... 28

Limited Liability ... 28

Default ... 28

Indemnity ... 28

Jury Trial Waiver ... 29

Demand Deposit Accounts And Sub-Accounts ... 29

Changes To Our Agreement With You ... 29

Closing Your Account... 29

Governing Law ... 29

Severability And Change Of Law By Agreement ... 30

Venue ... 30

Attorneys’ Fees ... 30

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Serving neighbors

since 1917

.

PART II: TRUTH IN SAVINGS DISCLOSURE ...30

Accounts Covered ... 30

Schedules... 30

Minimum Balance Requirements (All Accounts) ... 30

Interest Information... 30

Computation Method ... 30

Transaction Limitations On Savings & Money Market Accounts ... 31

Time Deposits (Certificates Of Deposit) ... 31

Interest ... 31

Early Withdrawal Penalty ... 31

Additional Rules For Ira,SEP-IRA, ESA And Keogh Plans ... 31

Additional Rules For Boost Rate Certificates ... 32

Fees ... 32

PART III: FUNDS AVAILABILITY DISCLOSURE...32

Your Ability To Withdraw Funds ... 32

Determining The Availability Of A Deposit ... 32

Same Day Availability ... 32

Next Business Day Availability ... 32

Other Check Deposits ... 33

Large Deposits ... 33

Case-By-Case Delays ... 33

Holds On Other Funds (Other Accounts) ... 33

Special Rules For New Accounts ... 33

Longer Delays May Apply ... 33

Deposits Not Made In Person ... 34

Atm Deposits ... 34

Mobile Deposits ... 34

Deposit Limits Via Mobile Deposit Apply ... 34

PART IV: ELECTRONIC FUNDS TRANSFERS DISCLOSURE ...34

A Customer’s Guide To Electronic Fund Transfers ... 34

Disclosure Statement ... 34

Types Of Available Funds Transfers And Services ... 34

Washington Federal Debit Or ATM Card ... 34

Using Your Washington Federal Debit Or ATM Card ... 34

Online Banking ... 35

Pre-Authorized Transfers From Your Account ... 35

Notice Of Varying Amounts ... 35

Stop Payment Procedures ... 35

Pre-Authorized Transfers To Your Account ... 35

Documentation Of Transactions ... 35

ATM, POS, Merchant Transactions ... 35

Periodic Statements... 35

Cost Of Electronic Transaction Services ... 35

Your Liability For Unauthorized Transactions ... 36

Telephone, Number And Address ... 36

Liability For Our Failure To Make Transfers ... 36

In Case Of Error Or Questions About Your Electronic Transfers .... 36

ATM Transactions-Investigations ... 37

POS Transactions-Investigations ... 37

ACH Transactions-Investigations ... 37

PART V: SUBSTITUTE CHECK POLICY DISCLOSURE (CHECK 21) ...37

Substitute Checks And Your Rights ... 37

What Is A Substitute Check? ... 37

What Are My Rights Regarding Substitute Checks?... 37

How Do I Make A Claim For A Refund? ... 37

PART VI: RULES AND REGULATIONS REGARDING SAFE DEPOSIT BOXES ...38

What Does It Mean For You? ... 38

Safe Deposit Box Rules And Regulations ... 38

Possession ... 38

Access ... 38

Term ... 39

Rent And Fees ... 39

Keys ... 39

Renter’s Responsibilities ... 39

Insurance Of Box Contents ... 39

PART VII: PRIVACY NOTICE AND PERSONAL INFORMATION ...40

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Definitions

In this Disclosure, unless otherwise indicated, the following words have the meanings given below:

“Account” means your Checking Account, Money Market Account, personal CD Account and/or Savings Account with us, as applicable, unless limited by the heading under which it appears.

“Bank,” “we,” “us,” and “our” refer to Washington Federal, N.A.

“Business Day” means every day, except Saturdays, Sundays, and federal holidays. “Calendar Day” means every day, including Saturdays, Sundays, and federal holidays.

“Consumer Fee Schedule” means the Schedule of Consumer Fees & Service Charges, as amended from time to time, available at Bank branches and on the Washington Federal website.

“Rate Sheet” means the Personal Deposit Rate Sheet, as amended from time to time, available at Bank branches and on the Washington Federal website.

“You” and “your” mean each depositor who opens an Account, and any joint owner of each Account.

Part I: Personal Deposit Account Terms and Conditions

From time to time, we may offer new types of Accounts and may cease offering some types of Accounts. The Agreement governs all of these new types of Accounts, and continues to govern any Accounts you may have that we no longer offer. If and to the extent the provisions of the Agreement vary from the provisions of the Uniform Commercial Code as adopted in the jurisdiction where your Account was opened, the terms and conditions of this Account Agreement shall control.

The Account Agreement includes your promise to pay the charges listed on the Consumer Fee Schedule and your permission for us to deduct these charges, as earned, directly from your Account. You also agree to pay any additional reasonable charges we may impose for services you request which are not contemplated by the Account Agreement but are disclosed in our Consumer Fee Schedule, as amended from time to time. Each of you agrees to be jointly and severally liable for any Account deficit resulting from charges or overdrafts, whether caused by you or another authorized to withdraw from your Account, together with the costs we incur to collect the deficit, including, to the extent permitted by law, our reasonable attorneys’ fees. You agree to use the Account only for lawful purposes and to comply with all applicable local, state, and federal laws, including for example, the USA Patriot Act and the Unlawful Internet Gambling Enforcement Act.

Mobile Phone Contact Policy

If you give a mobile phone number directly to us, you consent to and agree to accept calls related to the servicing of your account to your mobile phone from us and our agents. For any service related telephone, mobile phone calls or text messages placed to you by us or our agents, you consent and agree that those calls may be automatically dialed and/or may consist of prerecorded messages. You may incur fees from this contact by your service provider.

Important Account Opening Information (USA Patriot Act Notice)

To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.

Deposit Policy

We will usually give you provisional credit for items deposited into your Account. However, we may delay or refuse to give you provisional credit if we believe in our discretion that your item will not be paid. We will reverse any provisional credit we have given for an item deposited into your Account if we do not receive final credit for that item and charge you a fee (see Consumer Fee Schedule). If the reversal of a provisional credit creates an overdraft in your Account, you will owe us the amount of the overdraft, plus any overdraft fees (see Consumer Fee Schedule). We will determine when final credit is received for any item. Please read the Funds Availability Policy for a detailed discussion of how and when we make funds available to you. We will accept certain items like foreign checks and bond coupons for collection only and may in our sole discretion not accept them for collection. You may also ask us to accept certain other items for collection only. You will not receive credit for (provisional or otherwise), and may not withdraw funds against, any of these items until we receive final credit from the person responsible for paying them. Items sent for collection will be credited to your Account in U.S. dollars, with the amount of U.S. dollars credited calculated using our applicable exchange rate in effect on the date when we credit the funds to your Account and not when the deposit is made. The Funds Availability Policy does not apply to items we have accepted for collection only.

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Endorsement

It is important that you place your endorsement carefully on the back of all checks you are depositing in the 1 ½ inch area that has been designated for your endorsement. The endorsement area is the first 1 ½ inches on the back of the check when viewed from the trailing edge (the trailing edge is the left edge of the check when viewed from the front). If you have a question about proper placement for your endorsement, please ask your Bank representative. If our endorsement is illegible because you have endorsed the check in the wrong location, you will be liable for any resulting loss.

If you make a deposit to an Account and you fail to endorse it at the time, we may add an endorsement on any item and you will be responsible for the item as if you endorsed it yourself.

Checks

All negotiable paper (called “checks”) presented for payment must be in a form supplied by or previously approved by the Bank. We may refuse to accept any check that does not meet this requirement or which is incompletely or defectively drawn. Once an outstanding check is six (6) months old, we may elect not to pay it. But if there is no stop payment order on file when we receive the check for payment, we may elect to pay it in good faith without consulting you. You agree that you will use care in safeguarding your unsigned checks against loss or theft. You will tell us immediately if any checks are missing. You agree to assume all losses that could have been prevented if you had safeguarded unsigned (or otherwise incomplete) checks, or had told us they were missing.

Returned Checks

If you deposit a check or item in your Account that the drawee bank returns unpaid for any reason, we may put the check or item through for collection again.

If a check or item is dishonored (returned unpaid) for any reason, the amount of the dishonored check or item will be deducted from your Account. You agree to pay the Bank a fee for any such check or item that is dishonored (see Consumer Fee

Schedule). The Bank may also collect any amounts due to the Bank because of returned checks, through the right of offset, from any other of your Accounts at the Bank, or collect the funds directly from you.

Check Cashing Policy

We only cash checks for existing customers with a sufficient available balance. If a check not drawn on your Account is returned by the paying bank for any reason, we will charge you a fee (see the Consumer Fee Schedule) and will debit the amount of the returned check from your Account. If the debit creates an overdraft in your Account, you will owe us the amount of the overdraft plus any overdraft fees (see the Consumer Fee Schedule).

Withdrawal Policy

Passbook Savings Account withdrawals can be made by an authorized signer only upon presentation of the passbook, either in person or accompanied by a written order of withdrawal. If your passbook is stolen, lost or destroyed, or cannot be produced without loss or serious inconvenience, you will promptly advise us in writing. We may exercise our discretion and issue to you a substitute passbook, and we may require you to provide us with satisfactory indemnity. All subsequent withdrawals and deposits will be entered in the substitute passbook and the original passbook shall be void and shall be surrendered to us if the original passbook is located. We reserve the right to impose a charge for a lost passbook.

The Passbook Savings account is available only at the option of the Bank.

Statement Savings Account withdrawals may be made per written order of withdrawal in accordance with the information contained on the signature card and may also be made with an ATM or Visa® Debit Card, as applicable. We may refuse a request if any document or identification we require or that is required in connection with the withdrawal has not been presented. Federal law requires that we reserve the right to require seven (7) Calendar Days advance written notice of any intended withdrawal or transfer of funds from all Savings or Money Market Accounts. While we reserve this right, we do not presently exercise it.

For any Statement Savings Account(s) (including Money Market Accounts), you may make as many in-person withdrawals at a teller window or any Automated Teller Machine (“ATM”) as you wish. However, federal regulations permit the depositor to make no more than a combined total of six (6) pre-authorized, automatic, electronic (including computer initiated), telephone withdrawals or transfers, or payments by check, draft, debit card, or similar order payable to third parties in any monthly period (based on your statement date). We may impose a fee, as disclosed on the Consumer Fee Schedule, for each such withdrawal in excess of six (6) that you make in any monthly period (based on your statement date). These fees will be reflected in your monthly statement. In addition, repeated violations will result in the Account being closed or changed from a savings type Account to a transaction Account.

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Transaction Processing Order

We post Automated Clearing House (“ACH”) credits (direct deposits) before ACH debits. Other types of transactions are posted in the order in which they are received or submitted through various payment channels to us.

Reasons Why We May Refuse to Pay an Item We may refuse to pay an item that:

a. is illegible;

b. is drawn in an amount greater than the amount of funds then available for withdrawal in your Account (see the Funds Availability Policy) or which would, if paid, create an overdraft;

c. bears a duplicate check number; d. we believe has been altered;

e. we believe is otherwise not properly payable; or f. we believe does not bear an authorized signature.

We are not required to honor any restrictive endorsement on checks you write unless we have agreed in writing to the

restriction. Examples of restrictive endorsements are “Not Valid For More Than $1000” and “Void If Not Negotiated Within 30 Days of Issuance.”

Postdated Items

You agree that when you write a check you will not date the check in the future. If you do and the check is presented for payment before the date of the check, we may either pay it or return it unpaid. You agree that if we pay the check, the check will be posted to your Account on the day we pay the check. You further agree that we are not responsible for any loss to you in doing so.

Pre-Authorized Drafts

If you voluntarily give information about your Account (such as our routing number and your Account number) to a party who is seeking to sell you goods or services, and you do not physically deliver a check to the party, any debit to your Account initiated by the party to whom you gave the information is deemed authorized by you.

Overdraft Policy

An overdraft is an advance of funds greater than the amount that has become available in accordance with the Bank’s Funds Availability Policy. If, in our sole discretion, we choose to allow these withdrawals when there are not sufficient available funds in your Account, you agree to immediately repay us the amount of the funds advanced. We may also assess your Account a service charge (see Consumer Fee Schedule). At no time will we be required to allow you to overdraw your Account even if we have allowed overdrafts on one or more prior occasions. We do not offer the option to authorize overdrafts using a debit card for everyday (one-time or non-recurring) merchant purchases.

You agree to pay us, when we ask you, all of our costs of collecting an overdraft, to the fullest extent permitted by applicable law. These costs include, but are not limited to, our legal fees and expenses. If more than one of you owns an Account, each of you will be responsible for paying us the entire amount of all overdrafts and obligations resulting from the overdrafts.

We do not have to allow you to make an overdraft. Intentionally withdrawing funds from an Account when there are not enough funds in the Account to cover the withdrawal or when the funds are not yet available for withdrawal may be a crime. In the event your account is protected by our Overdraft Protection service, this Overdraft Policy is subject to the rules detailed within the Overdraft Protection service.

Overdraft Protection (ODP) Service

Overdraft Protection (ODP) service is available on any checking or draft Account. ODP service will automatically transfer funds from a qualified Protection account to your checking Account. Qualified Protection Accounts include Savings, Money Market, Checking, or qualified Lines of Credit (LOCs). Non-transaction accounts such as Passbook or Certificates of Deposit do not qualify as Protection accounts. If we transfer funds on your behalf, you agree to any service fee we may assess for this service, which are disclosed in the Schedule of Services and Fees. If you have an LOC as part of your ODP setup, you also agree to pay any interest accrued that may result from Washington Federal performing the advance on your behalf to the LOC. Transfers performed on deposit Accounts are subject to the terms and conditions of the Account Agreement.

Transfers performed on LOCs are bound the by the applicable loan agreement and disclosures. You must apply separately for an LOC, which is subject to credit approval by Washington Federal.

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Sustained Fee for Overdrawn Accounts

We may charge you a fee, as disclosed on the Consumer Fee Schedule, for any deposit Account that remains in overdrawn status for five (5) Business Days. We will notify you if your Checking or Money Market Account is in overdrawn status. If the Account remains in overdrawn status for forty (40) Calendar Days, or such earlier time that we determine that the overdraft balance is uncollectible, Washington Federal will close and place the Account in collection status.

Stop Payments

At your request and risk, the Bank will accept a stop payment request for a check on your Account for a fee (see the Consumer Fee Schedule). To be effective, a stop payment request must be received in such timely manner so as to give the Bank a reasonable opportunity to act on it, and must precisely identify the Account number, check number, date and amount of the item, and the payee. The Bank provides stop payment forms that must be used to initiate your request or, if made orally, submitted within 14 days of the oral request. If the Bank receives the completed Bank stop payment form within 14 days of the request, the stop payment will remain in effect for 6 months from the date it was given. It is your responsibility to ensure that all of the information supplied on the stop payment form is correct and to promptly inform the Bank of any inaccuracies. To maintain the validity of the stop payment request for more than 6 months, you must complete a new Bank stop payment form with the required information before the expiration of the 6-month period. If a new stop payment form is not timely received, the check may be paid.

We are not liable for failing to stop payment if you have not followed these procedures or if your stop payment request comes too late for us to act on it. We are entitled to a reasonable period of time after we receive your stop payment request to notify our employees and take other action needed to stop payment. You agree that “reasonable time” depends on the circumstances but that we will have acted within a reasonable time if we make your stop payment request effective by the end of the next Business Day following the Business Day on which we receive your stop payment request. If we stop payment, you agree to defend and pay any claims raised against us as a result of our refusal to pay the check or other item on which you stopped payment.

If we recredit your Account after we have paid a check or other item over a valid and timely stop order, you agree to sign a statement describing the dispute you have with the person to whom the check or item was made payable. You also agree to transfer to us all of your rights against the payee and any other holder, endorser or prior transferee of the check or item and to cooperate with us in any legal action taken to collect against the other person(s).

If we are liable for inadvertently paying your check over a stop payment order, you must establish the amount of your loss caused by our payment of the check. We will pay you only the amount of the loss, up to the face amount of the check. You agree that we shall not be liable for any punitive, exemplary or consequential damages.

We have no duty to withhold payment on a cashier’s check, teller’s check or other similar item because items of this type are not drawn on your Account. However, we may, in our sole discretion, attempt to withhold payment on a cashier’s check, teller’s check or other similar item if you certify to our satisfaction that the item has been lost, stolen or destroyed. You must also furnish any other documents or information we may require, which may include your affidavit attesting to the facts and your indemnification of Washington Federal. Even if we agree to attempt to withhold payment on a cashier’s check, teller’s check or other similar item, if the item is presented for payment, we may pay it and you will be liable to us for that item, unless otherwise required by applicable law.

International ACH and Wire Transfers

If your Account receives incoming ACH transactions (either credits or debits) or wire transfers initiated from outside of the United States, both you and we are subject to the Operating Rules and Guidelines of the National Automated Clearing House Association (“NACHA”) or the rules of any wire transfer system involved, and the laws enforced by the Office of Foreign Assets Control (“OFAC”). Under such rules and laws, we may temporarily suspend processing of a transaction for greater scrutiny or verification against the OFAC list of blocked parties, which may result in delayed settlement, posting and/or availability of funds. If we determine there is a violation, or if we cannot satisfactorily resolve a suspected or potential violation, the subject funds will be blocked as required by law. If you believe you have adequate grounds to seek the return of any blocked funds, it is your sole responsibility to pursue the matter with the appropriate governmental authorities. Please see the OFAC website for procedures and form required to seek a release of blocked funds.

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Periodic Statements; Time Limit to Report Errors

Statements: A statement of activity will be provided for accounts at regular intervals, no longer than once each calendar year. Checking and Money Market Accounts are provided with monthly activity statements. Savings Accounts receive a monthly statement if there are transactions during the month other than interest; otherwise a quarterly statement will be generated if interest is paid for that quarter. All statement accounts receive a year end statement of transactions not previously included on a quarterly statement. Unless you tell us of a change of address, we will continue to mail or deliver electronically statements or any other notices to your address as it appears on our records and you will be considered to have received those statements and any other notices sent to you at that address. We do not have to send you a statement or notice if we cannot deliver your statement or notice because of your failure to tell us that you have changed your address. If returned undelivered, the statement will be destroyed. Copies will be available for a fee as provided in the Consumer Fee Schedule. You may receive your statements or notices via electronic delivery. As provided under federal law, we may send notices to you for tax reporting purposes via US Mail regardless of any instructions otherwise which you may have provided to us.

You should review your statements and balance your Account promptly after you receive them or, if we are holding them for you, promptly after we make them available to you. If you don’t receive an Account statement by the date when you usually receive it, call us at once. You must review your statements to make sure that there are no errors in the Account information. On Accounts with check-writing privileges, you must review your statement and imaged copies of paid checks, if any, we send you and report forgeries, alterations, missing signatures, amounts differing from your records, or other information that might lead you

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Allahabad Bank provides several services for its customers for easy banking transactions such as Online Banking, Mobile Banking, Balance Check through Missed Call, Online

All EVB personal checking accounts include free Online Banking, free Bill Pay, free Mobile Banking, e-Statements, Telephone Banking and a Visa ® Debit/ATM Card..

Through this service you may opt to receive SMS alerts on your mobile phone whenever certain banking transactions involving your accounts, credit card or debit card occur..

Whether you the tmb card online platform to track how you have an active internet banking transactions and axis bank will be available for your license?. Page you shifted your tmb

Your transactions, including deposits and withdrawals, will continue to be processed like normal, but will not be available through the ATM, Online Banking or Bank by Phone until

SSFCU Mobile Banking ‐ Transfers/Transactions 

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