Vectra Bank Colorado Personal Electronic External Transfer Enrollment Form

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1 Vectra Bank Colorado Personal Electronic External Transfer Enrollment Form By completing this form, you will be able to electronically transfer funds from your personal checking or savings account at Vectra Bank Colorado to an enrolled account with another financial institution ( External Account ). If you are the owner of the External Account you may also transfer funds from that External Account to your checking or savings accounts at Vectra Bank Colorado. Be sure to review the attached agreement and frequently asked questions. Please review the checklist on the attached pages to ensure you have completed all of the requirements to enroll in External Transfers. Incomplete enrollments will be returned. Mail this form to: Vectra Bank Colorado Internet Banking Attn: Internet External Transfer Enrollment, Dept 0826 PO BOX 26127, Salt Lake City, Utah Your Information (please print) Full Name Primary Vectra Checking or Savings Evening Phone Number Account Number. This account will be charged a $20 enrollment fee. Home Street Address City, State, Zip Daytime Phone Number Vectra Bank Colorado Internet Banking Login ID (do not include any password) Social Security Number 2 External Account Information & Terms Complete this section with information about the External Account. Name of Bank or Financial Institution Account number Bank Phone Number ABA Routing Number External Account type (check one) Personal Checking Personal Savings Will you be transferring (check one)** To the External Account To and from the External Account Primary Account Holder s Name on External Account Signature** Date** Secondary Account Holder s Name on External Account** Signature** Date** **If you intend to transfer from the External Account, signatures are required. You must be a signer on the External Account, and each signer on the External Account must sign this form. Use additional copies of this form if necessary. In addition, a copy of a voided check, a deposit slip, or a statement with your name on it will need to be included with this application. By signing above, the account holders of the External Account (the Owners ) agree as follows: (a) the Owners authorize Vectra Bank Colorado to initiate debit transactions on the External Account, based on instructions entered through Vectra Bank Colorado s Internet Website, for credit to any Vectra Bank Colorado deposit account in which the individual noted in Section 1 above is a signer; (b) the Owners authorize Vectra Bank Colorado to credit or debit the External Account to correct any errors. This authorization may be terminated at any time, by any of the Owners, by calling or writing to the address at the top of this form. Termination of this authorization will cancel any pending transactions involving the External Account, provided that Vectra Bank Colorado has had reasonable time to act on such termination. 3 Agree to Terms You is defined as the individual noted in Section 1. By signing below, you agree that this authorization will remain in full force until you have discontinued this authorization by written notification to Vectra Bank Colorado. Deleting the External Account from transfer functions within Vectra Bank Colorado s Internet Website will NOT be accepted as your written discontinuance of this authorization. Vectra Bank Colorado may refuse to honor a debit to the External Account, at any time or for any reason, including but not limited to: written or verbal discontinuance of authorization from the Owners identified in Section 2, or from anyone providing evidence of ownership to the External Account; overdrafts, unrecoverable rejects, or returns from the external financial institution; fraud; and/or illegal use. You agree to enroll only personal accounts (business, corporate or organization accounts are NOT allowed). You understand, and agree to, the additional terms and conditions in the attached Electronic External Transfers Agreement. Signature Required Signature Date The sample check on this page is for your convenience to easily locate your Routing and Transit information and your account number. If you are not certain of these numbers, please contact your financial institution. Call Vectra Bank Colorado at with any questions. For Bank use only Received by: Date received: Debits only DB & CR Verified by: Verified date: Enrollment number: CN0162

2 Vectra Bank Colorado Personal Electronic External Transfers Eligibility checklist I have a personal checking or savings account at Vectra Bank Colorado. Businesses are not eligible for External Transfers. I have an Overdraft Protection Account, or a Vectra Bank Colorado credit card. My External Account is with a U.S. financial institution (with an ABA routing and transit number). Your enrollment checklist I have completed each box in Section 1 of the enrollment form. I have completed each required box in Section 2 of the enrollment form. If I intend to transfer funds from the External Account to my Vectra checking or savings accounts, I am a signer on the External Account. I have a signature from each signer of the External Account in Section 2 of the enrollment form. I have included more pages if necessary. I have attached a voided check or savings account deposit ticket associated with the External Account if I wish to transfer funds from the External Account. I have read all the terms and conditions on the form and the addendum. I have signed Section 3 indicating my acceptance of the agreement. I will mail the completed form to: Vectra Bank Colorado Internet Banking Attn: Internet External Transfer Enrollment, Dept 0826, PO Box Salt Lake City, Utah Vectra Bank Colorado Personal Electronic External Transfers Agreement General This Electronic External Transfers Agreement (this Agreement ) explains the terms and conditions governing your access to and use of External Transfers (the Service ). In addition, your use of the Service will be governed by the Internet Banking Services Agreement you agreed to for Online Banking Services. The terms our, we, us, and Bank refer to Vectra Bank Colorado. The terms you and your refer to each and all signers on the Eligible Accounts enrolled under the Internet Banking Services Agreement, and anyone whom you have authorized to use the Service. Other capitalized terms are defined in this Agreement or in the Internet Banking Services Agreement. To use the Service, you must have a Vecta Bank Colorado credit card or a deposit account with overdraft protection, in good standing, with the Bank. Enrollment of an External Account An External Transfer is an electronic transfer (ACH transfer) of funds from one of your Eligible Accounts at Vectra Bank Colorado to an External Account, or from an External Account to an Eligible Account. An External Account is a checking or savings account at another financial institution. You will need to enroll an External Account before you can transfer funds to or from that External Account. To enroll an External Account, you must provide the following information regarding that External Account: primary account

3 holder s full name, account number, the ABA Routing and Transit ( R&T ) number for the external financial institution, the name of the external financial institution, and whether the External Account is a checking or savings account. The Bank reserves the right to reject an enrollment request for any reason, including without limitation potential fraud or misuse, limitations as outlined by the United States Department of the Treasury s Office of Foreign Assets Control (OFAC), or an incomplete enrollment. You agree to enroll only personal accounts, as business, corporate, or organization accounts are NOT allowed. You are limited to 10 enrolled External Accounts. Not all types of accounts are eligible for ACH transfers. You may be subject to penalties by the other financial institution, or may suffer negative tax consequences for certain transactions involving retirement (401k, IRA, etc.), savings, trusts, loans, custodial, business, corporate and other types of accounts. It is your responsibility to verify with the external financial institution any restrictions regarding transfers to or from any External Account that you enroll. The Bank is not responsible for direct, indirect, special or consequential costs, fees, losses, penalties, or other damages resulting from External Transfers that are not permitted under restrictions of other financial institutions or those imposed by applicable laws and regulations. External Account Number Policy The Bank may or may not validate any External Account number provided in the enrollment process. It is your responsibility to ensure you enter in a valid and correct External Account number. External Transfers sent to invalid or incorrect account numbers may not be recoverable. If you provide an invalid or incorrect External Account number, the Bank will NOT be responsible for returning funds due to an unrecoverable External Transfer. Transferring To an External Account All External Transfers to External Account(s) are subject to the rules and regulations of the other financial institution. You agree not to transfer any funds to an External Account where that transaction would not be allowed under the rules or regulations applicable to such accounts. You agree to obtain any and all permissions required by the other financial institution prior to transferring funds to an External Account. You may NOT make External Transfers in excess of the collected funds in your Eligible Account. If your Eligible Account has insufficient funds to cover an External Transfer to an External Account, the Bank may, at its sole discretion: Honor the funds transfer under the terms of any Bank overdraft protection plan you have established. Honor the funds transfer and create an overdraft in your Eligible Account. The Bank may hold balances in your other Bank accounts until the overdraft is paid. In addition, the Bank may advance funds under your Vectra Bank Colorado credit card. Charges to that credit card to cover these transfers will be considered a cash advance (see your credit card disclosures for applicable fees). Refuse to honor the funds transfer. Cancel any and all External Transfers to any and all External Accounts. Fees may apply to any of the above remedies. Please refer to your Deposit Agreement for additional details. If any External Transfers to an External Account are returned to the Bank for any reason, the Bank will return the funds, within a reasonable time, to your Eligible Account. Transferring From an External Account You will need to: (i) complete an enrollment application; (ii) attach a voided check or savings account deposit slip for the account to be enrolled; (iii) sign where appropriate; and (iv) mail the application to the Bank. The Bank will process this application and verify the information provided. The Bank will NOT approve any External Account where the Bank is not able to verify any of the information that you provided in the application. Incomplete applications may be returned to you for completion.

4 All External Transfers from External Account(s) are subject to the rules and regulations of the other financial institution. You agree not to transfer any funds from an External Account where that transaction would not be allowed under the rules or regulations applicable to such account. You agree to obtain any and all permissions required by the other financial institution prior to transferring funds from an External Account. If any External Transfer from an External Account is returned or rejected, you authorize the Bank to collect from any of your Bank accounts (including credit card or any overdraft protection) sufficient funds to cover the transaction. Any applicable fees will be charged at the same rate as an internal account overdraft. Charges to your Vectra Bank Colorado credit card to cover returned or rejected items will be considered a cash advance (see your Credit Card disclosures for applicable fees). If funds are not available from any of your Bank accounts, you agree to promptly reimburse the Bank for the amount of the return along with applicable service fees, accrued interest, collection fees, and/or legal fees. Transfer Timing and Settlement Transfers to and from External Accounts generally take between one and three business days to settle. This means immediate transfers may take up to three days before funds have actually transferred. This also means that scheduled transfers, both one-time and recurring, will also settle one to three days after the scheduled date. Canceling Funds Transfer Transactions You may cancel any scheduled one-time or recurring transfers initiated through the Bank s Website if you do so within one business day prior to the scheduled transaction processing date. This can be done by submitting a request through the Bank s Website or by calling A cancellation request for a one-time transfer will apply to that specific transaction. Cancellation of the Service If, at any time, you wish to cancel your use of the Service, you will need to discontinue use of the Service and immediately cancel any scheduled transactions, whether one-time or recurring transactions. You may cancel transactions that are not in-progress by accessing the Service or by calling our Online Banking Customer Service Center at Notwithstanding your termination of the Service, this Agreement will continue to govern any transactions that cannot be canceled at the time of your termination. Vectra Bank Colorado reserves the right to terminate your access, or any access, to this Service, to cancel any and all transactions, and remove any enrolled External Account(s) for any reason, including without limitation: fraud; misuse; kiting; ACH transaction rejects and returns; or any unauthorized access or use of the Service. Transfer Limits For security purposes, the Bank establishes limits on the amount of funds transfers that can be made during any one day. External Transfers are limited to a daily aggregate of $500. If you transfer from a savings or Money Market account, the account is limited to a total of six transfers per monthly period. See your Deposit Agreement for details. In Case of Errors or Questions About Your External Transfers Please contact our Online Banking Customer Service Center at in regard to errors or questions about your external transfers. Refer to the section in your Bank Deposit Agreement that outlines how errors and questions on electronic funds transfers are processed. Fees There is an enrollment fee of $20.00 for each External Account enrolled. There may be fees charged by the external financial institution for ACH transactions involving an External Account. You should check with the other financial institution for any such fees. Changes to Fees or Other Terms We reserve the right to change the fees or other terms described in this Agreement, as set forth in the Internet Banking Services Agreement.

5 External Transfers: Frequently Asked Questions What is an External Transfer? External Transfers allow you to electronically send funds from your Vectra Bank Colorado account to an External Account at another financial institution. This transaction happens through the Automated Clearing House (ACH) system, just like a direct deposit or an automated health club payment would. You may also transfer from an External Account to your Vectra Bank Colorado account if you are a signer on the External Account. How do I sign up for External Transfers? You will need to enroll each External Account. There is an enrollment form to complete and sign. If you wish to transfer funds from an External Account, you must be a signer on that External Account and will also need to include a voided check or deposit slip with your enrollment form. Can I enroll any External Account? Almost all US financial institutions can accept US Dollar ACH transactions. An External Account at a non-us financial institution cannot be enrolled. You can contact your financial institution to verify or use the Federal Reserve web site to look up your financial institution. We recommend contacting the financial institution in which your External Account belongs to ask about any other restrictions that may apply. Do I need to notify the other financial institution of this type of transaction? Generally you will not need to notify the other financial institution. However, it is possible that the External Account you enroll may have withdrawal restrictions you should be aware of what they are if you plan to transfer from that External Account to an account at Vectra Bank Colorado. Is there a cost? There is a fee to enroll each External Account of $ There may be restrictions on the number of transactions you can conduct on internal or External Accounts before fees apply. An External Transfer could then result in a fee. In addition, the other financial institution may charge a small fee for ACH transactions. You should check your account deposit agreement(s) for more information about restrictions and fees. If I don t have an overdraft protection account, or a Vectra Bank Colorado credit card, how would I get one? Contact your local branch to have overdraft protection added to your checking account. To apply for a Vectra Bank Colorado credit card, apply online at Can anyone use this service? External Transfers are available only to personal banking clients who have at least one checking account or savings account. You must also have overdraft protection or a Vectra Bank Colorado credit card. Can businesses enroll for this service? No. This service is only for personal accounts. Businesses that try to enroll will not be approved.

6 How long does it take to enroll? The enrollment process will usually be completed within one week after we receive your enrollment form. If your enrollment form is not complete, we will return it to you requesting the information we will need to fulfill the enrollment. Once enrolled, can I make External Transfers immediately? Yes, but due to restrictions of the ACH system, transactions take one to three business days to complete. This means if you submit a transfer today, the funds will transfer one to three business days later. Once enrolled, can I schedule External Transfers? Yes. You can schedule External Transfers to be one time only or on recurring dates. Remember, the transfer will take one to three business days to complete after the scheduled date. Can I cancel an External Transfer? An External Transfer can be canceled up until the day before the scheduled date. Once the transaction has been sent to the ACH system, it cannot be canceled. Is there a limit to how much money I can transfer through External Transfers? Yes, the daily limit is currently $ This limit applies to the transfers that are scheduled to occur on any given day, not to the transfers that you may enter into the system on any given day. What happens if I don t have enough funds in my account when an external transfer completes? You may be subject to overdrafts in both internal and external accounts. You should check your deposit agreement for fees that are involved. Your Vectra Bank Colorado overdraft protection account and/or credit card may be charged to cover those overdrafts and fees. Is there a difference between External Transfers, and Transfer to a Friend? Yes. External Transfers are transfers involving accounts that are at other financial institutions. Transfers to a Friend are from your account at Vectra Bank Colorado to other customers who have accounts with Vectra Bank Colorado.

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