Common use of Card Activation Clause in Contracts

Card Activation. You must activate your Card in accordance with the instructions provided with your Card before it can be used. You will need to provide your personal and card information in order to verify your identity and activate your card. ATM and Debit Card Transactions Your Sable Debit Card is issued by Coastal Community Bank, Member FDIC, pursuant to a license by MasterCard Incorporated. Consistent with applicable law, you may use your debit card with your signature or PIN to perform most routine transactions on the accounts that are accessible by your debit card, such as to: ● Make cash withdrawals ● Obtain your most recently available account balance ● Pay for purchases at places that have agreed to accept the card Some of the above services may not be available at all ATMs or locations. Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of your card. If you permit another person to have access to your card or card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each card according to the terms and conditions of this Agreement. International ATM Transactions International transactions made using your debit card will be converted to U.S. currency according to the rules and regulations of the card network. The conversion of the currency to U.S. currency may occur on a date other than your original transaction date and fees may be assessed by these networks. You are responsible for the U.S. currency amount plus any fees assessed for the currency conversion. Some services may not be available at international ATM terminals. International ATM transactions may be subject to a fee in accordance with our Schedule of Fees. ATM Deposits Your Sable debit card does not permit deposits at ATMs. Debit Card Point-of-Sale Transactions You may use your debit card to purchase goods and services and/or obtain cash where permitted by the merchant, from any merchant who accepts Mastercard. The merchant may require your signature instead of your PIN to authorize the purchase request. You may also use your debit card with your PIN at any merchant location where ATM cards are accepted to purchase goods, services, and/or obtain cash where permitted by the merchant. The amount of all purchases, including any cash obtained, will be deducted from your bank account. When you make a purchase through the Card network, we may place a hold on the funds in your bank account in the amount that may be necessary to cover the amount of the transaction.

Card Activation. You must activate your Card in accordance with the instructions provided with your Card before it can be used. You will need to provide your personal and card information in order to verify your identity and activate your card. You must sign the signature strip on the back of the card as soon as it is received. ATM and Debit Card Transactions Your Sable Debit Card is issued by Coastal Community Bank, Member FDIC, pursuant to a license by MasterCard Incorporated. Consistent with applicable law, you may use your debit card with your signature or PIN to perform most routine transactions on the accounts Accounts that are accessible by your debit card, such as to: ● Make cash withdrawals at an ATM or inside a Mastercard member bank ● Obtain your most recently current and/or available account Account balance ● Pay for purchases at places that have agreed to merchants who accept the card Mastercard in person, online and by phone Some of the above services may not be available at all ATMs or locations. Greenwood is not liable for merchant or ATM terminals. Authorized Card Users You may not request an additional Card on your Account for another person. However, you are responsible for all authorized transactions initiated and fees incurred by use of your cardCard. If you permit another person to have access to your card or card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each card according to the terms and conditions of this Agreement. International ATM Transactions International transactions made using your debit card will be converted to U.S. your card currency (U.S.) according to the rules and regulations of the card network. The conversion of the transaction currency to U.S. currency may occur on a date other than your original transaction date and fees may be assessed by these networks. You are responsible for the U.S. currency transaction amount in US dollars plus any fees assessed for the currency conversion. Some services may not be available at all international ATM terminals. International ATM transactions may be subject to a fee in accordance with our Schedule of FeesFee Schedule. ATM Deposits Your Sable debit card does Greenwood Account and Debit Card do not permit deposits at ATMs. Debit Card Point-of-Sale Transactions You may use your debit card to purchase goods and services and/or obtain cash where permitted by the merchant, from any merchant who accepts Mastercardeverywhere MasterCard is accepted. The merchant may require your signature instead of your PIN to authorize the a purchase request. You may also use your debit card with your PIN at any merchant location where ATM cards are accepted to purchase goods, services, and/or obtain cash where permitted by the merchant. The amount of all purchases, including any cash obtained, will be deducted from your bank accountGreenwood Account balance. When you make a purchase through the Card network, we may place a hold on the funds in your bank account Greenwood Account in the amount that may be necessary to cover the amount of the transaction. (Please see Preauthorization Holds for additional information.)

Card Activation. You must activate your Card in accordance with the instructions provided with your Card before it can be used. You will need to provide your personal and card information in order to verify your identity and activate your card. ATM and Debit Card Transactions Your Sable Debit Card is issued by Coastal Community Bank, Member FDIC, pursuant to a license by MasterCard Incorporated. Consistent with applicable law, you may use your debit card with your signature or PIN to perform most routine transactions on the accounts that are accessible by your debit card, such as to: ● Make cash withdrawals ● Obtain your most recently available account balance ● Pay for purchases at places that have agreed to accept the card Some of the above services may not be available at all ATMs or locations. Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of your card. If you permit another person to have access to your card or card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each card according to the terms and conditions of this Agreement. International ATM Transactions International transactions made using your debit card will be converted to U.S. currency according to the rules and regulations of the card network. The conversion of the currency to U.S. currency may occur on a date other than your original transaction date and fees may be assessed by these networks. You are responsible for the U.S. currency amount plus any fees assessed for the currency conversion. Some services may not be available at international ATM terminals. International ATM transactions may be subject to a fee in accordance with our Schedule of Fees. ATM Deposits Your Sable debit card does not permit deposits at ATMs. Debit Card Point-of-Sale Transactions You may use your debit card to purchase goods and services and/or obtain cash where permitted by the merchant, from any merchant who accepts Mastercard. The merchant may require your signature instead of your PIN to authorize the purchase request. You may also use your debit card with your PIN at any merchant location where ATM cards are accepted to purchase goods, services, and/or obtain cash where permitted by the merchant. The amount of all purchases, including any cash obtained, will be deducted from your bank Spend account. When you make a purchase through the Card network, we may place a hold on the funds in your bank Spend account in the amount that may be necessary to cover the amount of the transaction.

Card Activation. You must activate your Ellevest Debit Card in accordance with the instructions provided with your Ellevest Debit Card before it can be used. You will need to provide your personal and card information in order to verify your identity and activate your card. ATM and Debit Card Transactions Your Sable Ellevest Debit Card is issued by Coastal Community Bank, Member FDIC, the Bank pursuant to a license by MasterCard Mastercard International Incorporated. Consistent with applicable law, you may use your debit card Ellevest Debit Card with your signature or PIN to perform most routine transactions on the accounts Bank Accounts that are accessible by your debit cardEllevest Debit Card, such as to: ● Make cash withdrawals ● Obtain your most recently available account balance ● Pay for purchases at places that have agreed to accept the card Some of the above services may not be available at all ATMs or locations. Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of your card. If you permit another person to have access to your card or card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each card according to the terms and conditions of this Agreement. International ATM Transactions International transactions made using your debit card Ellevest Debit Card will be converted to U.S. currency according to the rules and regulations of the card network. The conversion of the currency to U.S. currency may occur on a date other than your original transaction date and fees may be assessed by these networks. You are responsible for the U.S. currency amount plus any fees assessed for the currency conversion. Some services may not be available at international ATM terminals. International ATM transactions may be subject to a fee in accordance with our Schedule of Fees, below. ATM Deposits Your Sable debit card Ellevest Debit Card does not permit deposits at ATMs. Debit Card Point-of-Sale Transactions You may use your debit card Ellevest Debit Card to purchase purchases goods and services and/or obtain cash where permitted by the merchant, from any merchant who accepts MastercardMasterCard®. The merchant may require your signature instead of your PIN to authorize the purchase request. You may also use your debit card Ellevest Debit Card with your PIN at any merchant location where ATM debit cards are accepted to purchase goods, services, and/or obtain cash where permitted by the merchant. The amount of all purchases, including any cash obtained, will be deducted from your bank accountBank Account. When you make a purchase through the Card card network, we may place a hold on the funds in your bank account Bank Account in the amount that may be necessary to cover the amount of the transaction. Roundup Program for Debit Card Purchase Transactions If you opt into the Roundup Program, each settled (i.e. fully completed) purchase transaction made with your Ellevest Debit Card will be rounded up to the nearest whole U.S. dollar. The Roundup amount (between $0.01 and $0.99) will be transferred from your Spend account to your Save Account. Foreign purchases are rounded up to the nearest whole dollar after the purchase is converted to U.S. dollars. Exclusions: ● ATM withdrawals and transactions in whole U.S. dollars, e.g. $20.00 are excluded from the roundup program. ● If, at the time of settlement of a purchase, your Ellevest Spend Account has insufficient available funds to cover the full amount of the Roundup transfer, the Roundup Transfer will not be made. ● If a purchase is canceled or reversed for any reason (including disputes), the corresponding Roundup Transfer will not be reversed. You can opt out of the Roundup Program at any time.

Card Activation. You must activate your Card in accordance with the instructions provided with your Card before it can be used. You will need to provide your personal and card information in order to verify your identity and activate your card. ATM and Debit Card Transactions Your Sable Save Debit Card is issued by Coastal Community Lending Club Bank, N.A., Member FDIC, pursuant to a license by MasterCard Incorporated. Consistent with applicable law, you may use your debit card with your signature or PIN to perform most routine transactions on the accounts that are accessible by your debit card, such as to: ● Make cash withdrawals ● Obtain your most recently available account balance ● Pay for purchases at places that have agreed to accept the card Some of the above services may not be available at all ATMs or locations. Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of your card. If you permit another person to have access to your card or card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each card according to the terms and conditions of this Agreement. International ATM Transactions International transactions made using your debit card will be converted to U.S. currency according to the rules and regulations of the card network. The conversion of the currency to U.S. currency may occur on a date other than your original transaction date and fees may be assessed by these networks. You are responsible for the U.S. currency amount plus any fees assessed for the currency conversion. Some services may not be available at international ATM terminals. International ATM transactions may be subject to a fee in accordance with our Schedule of Fees. ATM Deposits Your Sable Save debit card does not currently permit deposits at ATMs. Debit Card Point-of-Sale Transactions You may use your debit card to purchase purchases goods and services and/or obtain cash where permitted by the merchant, from any merchant who accepts MastercardMasterCard. The merchant may require your signature instead of your PIN to authorize the purchase request. You may also use your debit card with your PIN at any merchant location where ATM cards are accepted to purchase goods, services, and/or obtain cash where permitted by the merchant. The amount of all purchases, including any cash obtained, will be deducted from your bank Checking account. When you make a purchase through the Card network, we may place a hold on the funds in your bank Checking account in the amount that may be necessary to cover the amount of the transaction. Signature transactions you make qualify for the matching of equivalent investments. You will be able to see your qualifying spend via your Save App or Online Portal. See Matching Investments section for more details.

Card Activation. You must activate your Card in accordance with the instructions provided with your Card before it can be used. You will need to provide your personal and card information in order to verify your identity and activate your card. ATM and Debit Card Transactions Your Sable Debit Card is issued by Coastal Community Bank, Member FDIC, pursuant to a license by MasterCard Incorporated. Consistent with applicable law, you may use your debit card with your signature or PIN to perform most routine transactions on the accounts that are accessible by your debit card, such as to: ● Make cash withdrawals ● Obtain your most recently available account balance ● Pay for purchases at places that have agreed to accept the card Some of the above services may not be available at all ATMs or locations. Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of your card. If you permit another person to have access to your card or card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each card according to the terms and conditions of this Agreement. International ATM Transactions International transactions made using your debit card will be converted to U.S. currency according to the rules and regulations of the card network. The conversion of the currency to U.S. currency may occur on a date other than your original transaction date and fees may be assessed by these networks. You are responsible for the U.S. currency amount plus any fees assessed for the currency conversion. Some services may not be available at international ATM terminals. International ATM transactions may be subject to a fee in accordance with our Schedule of Fees. ATM Deposits Your Sable debit card does not permit deposits at ATMs. Debit Card Point-of-Sale Transactions You may use your debit card to purchase goods and services and/or obtain cash where permitted by the merchant, from any merchant who accepts Mastercard. The merchant may require your signature instead of your PIN to authorize the purchase request. You may also use your debit card with your PIN at any merchant location where ATM cards are accepted to purchase goods, services, and/or obtain cash where permitted by the merchant. The amount of all purchases, including any cash obtained, will be deducted from your bank account. When you make a purchase through the Card network, we may place a hold on the funds in your bank account in the amount that may be necessary to cover the amount of the transaction.

Card Activation. You must activate your Ellevest Debit Card in accordance with the instructions provided with your Ellevest Debit Card before it can be used. You will need to provide your personal and card information in order to verify your identity and activate your card. ATM and Debit Card Transactions Your Sable Ellevest Debit Card is issued by Coastal Community Bank, Member FDIC, the Bank pursuant to a license by MasterCard Mastercard International Incorporated. Consistent with applicable law, you may use your debit card Ellevest Debit Card with your signature or PIN to perform most routine transactions on the accounts Bank Accounts that are accessible by your debit cardEllevest Debit Card, such as to: ● Make cash withdrawals ● Obtain your most recently available account balance ● Pay for purchases at places that have agreed to accept the card Some of the above services may not be available at all ATMs or locations. Authorized Card Users You are responsible for all authorized transactions initiated and fees incurred by use of your card. If you permit another person to have access to your card or card number, we will treat this as if you have authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each card according to the terms and conditions of this Agreement. International ATM Transactions International transactions made using your debit card Ellevest Debit Card will be converted to U.S. currency according to the rules and regulations of the card network. The conversion of the currency to U.S. currency may occur on a date other than your original transaction date and fees may be assessed by these networks. You are responsible for the U.S. currency amount plus any fees assessed for the currency conversion. Some services may not be available at international ATM terminals. International ATM transactions may be subject to a fee in accordance with our Schedule of Fees, below. ATM Deposits Your Sable debit card Ellevest Debit Card does not permit deposits at ATMs. Debit Card Point-of-Sale Transactions You may use your debit card to purchase goods and services and/or obtain cash where permitted by the merchant, from any merchant who accepts Mastercard. The merchant may require your signature instead of your PIN to authorize the purchase request. You may also use your debit card with your PIN at any merchant location where ATM cards are accepted to purchase goods, services, and/or obtain cash where permitted by the merchant. The amount of all purchases, including any cash obtained, will be deducted from your bank account. When you make a purchase through the Card network, we may place a hold on the funds in your bank account in the amount that may be necessary to cover the amount of the transaction.