Common use of ADDITIONAL DISCLOSURES APPLICABLE TO ATM ELECTRONIC FUNDS TRANSACTIONS Clause in Contracts

ADDITIONAL DISCLOSURES APPLICABLE TO ATM ELECTRONIC FUNDS TRANSACTIONS. If we issue to you, or you requested that we issue you an ATM Card or Debit card to be used to transact business at any of our proprietary ATMs or any ATM displaying the logos belonging to the CO-OP® Shared Network System of ATMs bearing our card logo then the information below applies to you. Access to ATMs with a Card requires a Personal Identification Number (PIN). Types of Available Transactions and Limits on Transactions- Types of currently available transactions are listed below. Transaction types and services may be limited on certain ATMs on the systems which are not owned by us (non-proprietary ATMs), (such as, for example, withdrawal limits). If a transaction or service type is not available, the attempted transaction will generally be refused as an “invalid transaction.” Account Access- The ATM services which we make available to you are:

ADDITIONAL DISCLOSURES APPLICABLE TO ATM ELECTRONIC FUNDS TRANSACTIONS. If we issue to you, or you requested that we issue you an ATM Card or Debit card to be used to transact business at any of our proprietary ATMs or any ATM displaying the logos belonging to the CO-OP® Shared Network System of ATMs bearing our card logo then the information below applies to you. Access to ATMs with a Card requires a Personal Identification Number (PIN). Types of Available Transactions and Limits on Transactions- Transactions. Types of currently available transactions are listed below. Transaction types and services may be limited on certain ATMs on the systems which are not owned by us (non-proprietary ATMs), (such as, for example, withdrawal limits). If a transaction or service type is not available, the attempted transaction will generally be refused as an “invalid transaction.” Account Access- Access. The ATM services which we make available to you are:

ADDITIONAL DISCLOSURES APPLICABLE TO ATM ELECTRONIC FUNDS TRANSACTIONS. If we issue to you, or you requested that we issue you an ATM Card or Debit card to be used to transact business at any of our proprietary ATMs or any ATM displaying the logos belonging to the CO-OP® Shared Network System of ATMs bearing our card logo then the information below applies to you. Access to ATMs with a Card requires a Personal Identification Number (PIN). Types of Available Transactions and Limits on Transactions- Types of currently available transactions are listed below. Transaction types and services may be limited on certain ATMs on the systems which are not owned by us (non-proprietary ATMs), (such as, for example, withdrawal limits). If a transaction or service type is not available, the attempted transaction will generally be refused as an “invalid transaction.” Account Access- The ATM services which we make available to you are: