Common use of Card Claims and Transaction Questions Clause in Contracts

Card Claims and Transaction Questions. When you authorize other parties to debit your checking account, you are responsible for these transactions. Thus, you will have to contact these parties directly if you have questions or complaints about your transactions. Any claims concerning property or services purchased with your Visa Debit Card must be resolved by you directly with the merchant or seller who accepted the Visa Debit Card. You understand that we will not be able to help you because we only have the information received from the third party. Any claim or defense that you assert will not relieve you of your obligation to pay us the total amount of the transaction, unless otherwise permitted by law. You are not permitted to stop payment on any purchase through the use of your Visa Debit Card. ADDITIONAL DISCLOSURES APPLICABLE TO PIN- LESS VISA DEBIT CARD TRANSACTIONS PIN-less Visa Debit Card Transactions: We allow non- Visa debit transaction processing. This means you may use your Visa Debit Card on a non- Visa network (also known as a PIN- Debit Network) without using a PIN to authenticate your transactions. Visa Operating Regulations generally define a PIN-Debit Network as a non- Visa debit network that typically authenticates transactions by use of a PIN, but that is not generally known for having a card program. There are two types of authenticated transactions when using a debit card: PIN and signature. In a PIN-based debit card transaction, a cardholder enters a PIN to authorize the transaction. In a signature-based debit card transaction, a cardholder signs a receipt. You may choose to purchase goods and services with your Visa Debit Card through a PIN-Debit Network without the requirement of entering your PIN. Examples of PIN-less debit transactions include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through the use of your PIN. You understand that the terms and conditions of your agreement with us relating to Visa Debit Card transactions do not apply to non- Visa Debit Card transactions. For example, the additional limits on liability (sometimes referred to as Visa’s Zero Liability program), $50 loss cap, Visa’s provisional credit policies, Visa’s chargeback and dispute resolution rules, and the streamlined error resolution procedures offered on Visa Debit Card transactions are not applicable to transactions processed on a PIN-Debit Network.

Card Claims and Transaction Questions. When you authorize other parties to debit your checking account, you are responsible for these transactions. Thus, you will may have to contact these parties directly if you have questions or complaints about your transactions. Any claims concerning property or services purchased with your Visa Debit Card must be resolved by you directly with the merchant or seller who accepted the Visa Debit Card. You understand that we will not be able to help you because we only have the information received from the third party. Any claim or defense that you assert will not relieve you of your obligation to pay us the total amount of the transactionsales slip, unless otherwise permitted by law. You are not permitted to stop payment on any purchase through the use of your Visa Debit Card. ADDITIONAL DISCLOSURES APPLICABLE TO PIN- PIN-LESS VISA DEBIT CARD TRANSACTIONS PIN-less Visa Debit Card Transactions: We allow non- non-Visa debit transaction processing. This means you may use your Visa Debit Card on a non- non-Visa network (also known as a PIN- PIN-Debit Network) without using a PIN to authenticate your transactions. Visa Operating Rules and Regulations generally define a PIN-Debit Network as a non- Visa non-VISA debit network that typically authenticates transactions by use of a PIN, but that is not generally known for having a card program. There are two types of authenticated transactions when using a debit card: PIN and signature. In a PIN-based debit card transaction, a cardholder enters a PIN to authorize the transaction. In a signature-based debit card transaction, a cardholder signs a receipt. You may choose to purchase goods and services with your Visa Debit Card through a PIN-Debit Network without the requirement of entering your PIN. The non-Visa debit network that supports PIN-less transactions for the Credit Union is the STAR Network. Examples of PIN-less debit transactions include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through the use of your PIN. You understand that the terms and conditions of your agreement with us relating to Visa Debit Card debit transactions do not apply to non- non-Visa Debit Card debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s Zero Liability program), $50 loss cap, Visa’s provisional credit policies, Visa’s chargeback and dispute resolution rules, and the streamlined error resolution procedures offered on Visa Debit Card transactions are not applicable to transactions processed on a PIN-Debit Network.

Card Claims and Transaction Questions. When you authorize other parties to debit your checking account, you are responsible for these transactions. Thus, you will may have to contact these parties directly if you have questions or complaints about your transactions. Any claims concerning property or services purchased with your Visa Debit Card debit card must be resolved by you directly with the merchant or seller who accepted the Visa Debit Carddebit card. You understand that we will not be able to help you because we only have the information received from the third party. Any claim or defense that you assert will not relieve you of your obligation to pay us the total amount of the transactionsales slip, unless otherwise permitted by law. You are not permitted to stop payment on any purchase through the use of your Visa Debit Carddebit card. ADDITIONAL DISCLOSURES APPLICABLE TO PIN- LESS PINless VISA DEBIT CARD TRANSACTIONS PIN-less PINless Visa Debit Card Transactions: Transactions We allow non- non-Visa debit transaction processing. This means you may use your Visa Debit Card debit card on a non- non-Visa network (also known as a PIN- Debit NetworkPIN-debit network) without using a PIN to authenticate your transactions. Visa Operating Rules and Regulations generally define a PIN-Debit Network debit network as a non- non-Visa debit network that typically authenticates transactions by use of a PIN, but that is not generally known for having a card program. There are two types of authenticated transactions when using a debit card: PIN and signature. In a PIN-based PIN debit card transaction, a cardholder enters a PIN to authorize the transaction. In a signature-based signature debit card transaction, a cardholder signs a receipt. You may choose to purchase goods and services with your Visa Debit Card debit card through a PIN-Debit debit Network without the requirement of entering your PIN. The non-Visa debit network that supports PINless transactions for the Credit Union is the CO-OP Network. Examples of PIN-less PINless debit transactions include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through the use of your PIN. You understand that the terms and conditions of your agreement with us relating to Visa Debit Card debit transactions do not apply to non- non-Visa Debit Card debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s Zero Liability program), $50 50.00 loss cap, Visa’s provisional credit policies, Visa’s chargeback and dispute resolution rules, and the streamlined error resolution procedures offered on Visa Debit Card debit card transactions are not applicable to transactions processed on a PIN-Debit Networkdebit network.

Card Claims and Transaction Questions. When you authorize other parties to debit your checking account, you are responsible for these transactions. Thus, you will have to contact these parties directly if you have questions or complaints about your transactions. Any claims concerning property or services purchased with your Visa Debit Card must be resolved by you directly with the merchant or seller who accepted the Visa Debit Card. You understand that we will not be able to help you because we only have the information received from the third party. Any claim or defense that you assert will not relieve you of your obligation to pay us the total amount of the transaction, unless otherwise permitted by law. You are not permitted to stop payment on any purchase through the use of your Visa Debit Card. ADDITIONAL DISCLOSURES APPLICABLE TO PIN- PIN-LESS VISA DEBIT CARD TRANSACTIONS PIN-less Visa Debit Card Transactions: We allow non- Visa debit transaction processing. This means you may use your Visa Debit Card on a non- Visa network (also known as a PIN- PIN-Debit Network) without using a PIN to authenticate your transactions. Visa Operating Regulations generally define defne a PIN-Debit Network as a non- Visa debit network that typically authenticates transactions by use of a PIN, but that is not generally known for having a card program. There are two types of authenticated transactions when using a debit card: PIN and signature. In a PIN-based debit card transaction, a cardholder enters a PIN to authorize the transaction. In a signature-based debit card transaction, a cardholder signs a receipt. You may choose to purchase goods and services with your Visa Debit Card through a PIN-Debit Network without the requirement of entering your PIN. Examples of PIN-less debit transactions include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified verifed using known information derived from an existing relationship with you instead of through the use of your PIN. You understand that the terms and conditions of your agreement with us relating to Visa Debit Card transactions do not apply to non- Visa Debit Card transactions. For example, the additional limits on liability (sometimes referred to as Visa’s Zero Liability program), $50 loss cap, Visa’s provisional credit policies, Visa’s chargeback and dispute resolution rules, and the streamlined error resolution procedures offered ofered on Visa Debit Card transactions are not applicable to transactions processed on a PIN-Debit Network.

Card Claims and Transaction Questions. When you authorize other parties to debit your checking account, you are responsible for these transactions. Thus, you will have to contact these parties directly if you have questions or complaints about your transactions. Any claims concerning property or services purchased with your Visa Debit Card must be resolved by you directly with the merchant or seller who accepted the Visa Debit Card. You understand that we will not be able to help you because we only have the information received from the third party. Any claim or defense that you assert will not relieve you of your obligation to pay us the total amount of the transaction, unless otherwise permitted by law. You are not permitted to stop payment on any purchase through the use of your Visa Debit Card. ADDITIONAL DISCLOSURES APPLICABLE TO PIN- PIN-LESS VISA DEBIT CARD TRANSACTIONS PIN-less Visa Debit Card Transactions: We allow non- Visa debit transaction processing. This means you may use your Visa Debit Card on a non- Visa network (also known as a PIN- PIN-Debit Network) without using a PIN to authenticate your transactions. Visa Operating Regulations generally define a PIN-Debit Network as a non- Visa debit network that typically authenticates transactions by use of a PIN, but that is not generally known for having a card program. There are two types of authenticated transactions when using a debit card: PIN and signature. In a PIN-based debit card transaction, a cardholder enters a PIN to authorize the transaction. In a signature-based debit card transaction, a cardholder signs a receipt. You may choose to purchase goods and services with your Visa Debit Card through a PIN-Debit Network without the requirement of entering your PIN. Examples of PIN-less debit transactions include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through the use of your PIN. You understand that the terms and conditions of your agreement with us relating to Visa Debit Card transactions do not apply to non- Visa Debit Card transactions. For example, the additional limits on liability (sometimes referred to as Visa’s Zero Liability program), $50 loss cap, Visa’s provisional credit policies, Visa’s chargeback and dispute resolution rules, and the streamlined error resolution procedures offered on Visa Debit Card transactions are not applicable to transactions processed on a PIN-Debit Network.

Card Claims and Transaction Questions. When you I authorize other parties to debit your checking accountmy Checking Account, you are I am responsible for these transactions. Thus, you will I may have to contact these parties directly if you I have questions or complaints about your my transactions. Any claims concerning property or services purchased with your Visa Debit my Card must be resolved by you me directly with the merchant or seller who accepted the Visa Debit Card. You I understand that we you will not be able to help me because you because we only have the information received from the third party. Any claim or defense that you I assert will not relieve you me of your my obligation to pay us you the total amount of the transactionsales slip, unless otherwise permitted by law. You are I am not permitted to stop payment on any purchase through the use of your Visa Debit my Card. ADDITIONAL DISCLOSURES APPLICABLE TO PIN- LESS VISA PINLESS Visa DEBIT CARD TRANSACTIONS PINPINLESS Visa DEBIT CARD TRANSACTIONS: You allow non-less Visa Debit Card Transactions: We allow non- Visa debit transaction processing. This means you I may use your my Visa Debit Card on a non- non-Visa network (also known as a PIN- PIN-Debit Network) without using a PIN to authenticate your my transactions. Visa Operating Rules and Regulations generally define a PIN-PIN- Debit Network as a non- non-Visa debit network that typically authenticates transactions by use of a PIN, but that is not generally known for having a card program. There are two types of authenticated transactions when using a debit card: PIN and signature. In a PIN-based PIN debit card transaction, a cardholder enters a PIN to authorize the transaction. In a signature-based signature debit card transaction, a cardholder signs a receipt. You As a result of changes to Visa’s Operating Rules and Regulations, I may choose to purchase goods and services with your my Visa Debit Card through a PIN-Debit Network without the requirement of entering your my PIN. The non-Visa debit network that supports PINless transactions for the Credit Union is the CO-OP Network. Examples of PIN-less PINless debit transactions include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your my identity verified using known information derived from an existing relationship with you me instead of through the use of your my PIN. You I understand that the terms and conditions of your my agreement with us you relating to Visa Debit Card transactions do not apply to non- non-Visa Debit Card transactions. For example, the additional limits on liability (sometimes referred to as Visa’s Zero Liability program), $50 50.00 loss cap, Visa’s provisional credit policies, Visa’s chargeback and dispute resolution rules, policies and the streamlined error resolution procedures offered on Visa Debit Card transactions are not applicable to transactions processed on a PIN-Debit Network. However, I may still have zero liability protection for fraudulent transactions on my Visa Debit Card under First Entertainment Credit Union’s “zero liability” policy provided that I notify you in writing within sixty (60) days after the first statement on which the unauthorized electronic transaction appeared is delivered to me.

Card Claims and Transaction Questions. When you I authorize other parties to debit your checking accountmy Checking Account, you are I am responsible for these transactions. Thus, you will I may have to contact these parties directly if you I have questions or complaints about your my transactions. Any claims concerning property or services purchased with your Visa Debit my Card must be resolved by you me directly with the merchant or seller who accepted the Visa Debit Card. You I understand that we you will not be able to help me because you because we only have the information received from the third party. Any claim or defense that you I assert will not relieve you me of your my obligation to pay us you the total amount of the transactionsales slip, unless otherwise permitted by law. You are I am not permitted to stop payment on any purchase through the use of your Visa Debit my Card. ADDITIONAL DISCLOSURES APPLICABLE TO PIN- PIN-LESS VISA DEBIT CARD TRANSACTIONS PIN-less Visa Debit Card TransactionsLESS VISA DEBIT CARD TRANSACTIONS: We You allow non- non-Visa debit transaction processing. This means you I may use your my Visa Debit Card on a non- non-Visa network (also known as a PIN- PIN-Debit Network) without using a PIN to authenticate your my transactions. Visa Operating Rules and Regulations generally define a PIN-Debit Network as a non- Visa non-VISA debit network that typically authenticates transactions by use of a PIN, but that is not generally known for having a card program. There are two types of authenticated transactions when using a debit card: PIN and signature. In a PIN-based PIN debit card transaction, a cardholder enters a PIN to authorize the transaction. In a signature-based signature debit card transaction, a cardholder signs a receipt. You As a result of changes to Visa’s Operating Rules and Regulations, I may choose to purchase goods and services with your my Visa Debit Card through a PIN-Debit Network without the requirement of entering your my PIN. The non-Visa debit network that supports PIN-Less transactions for the Credit Union is the CO-OP Network. Examples of PIN-less Less debit transactions include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your my identity verified using known information derived from an existing relationship with you me instead of through the use of your my PIN. You I understand that the terms and conditions of your my agreement with us you relating to Visa Debit Card transactions do not apply to non- non-Visa Debit Card transactions. For example, the additional limits on liability (sometimes referred to as Visa’s Zero Liability program), $50 50.00 loss cap, Visa’s provisional credit policies, Visa’s chargeback and dispute resolution rules, policies and the streamlined error resolution procedures offered on Visa Debit Card transactions are not applicable to transactions processed on a PIN-Debit Network. However, I may still have zero liability protection for fraudulent transactions on my Visa Debit Card under First Entertainment Credit Union’s “zero liability” policy provided that I notify you in writing within sixty (60) days after the first statement on which the unauthorized electronic transaction appeared is delivered to me.

Card Claims and Transaction Questions. When you authorize other parties to debit your checking account, you are responsible for these transactions. Thus, you will have to contact these parties directly if you have questions or complaints about your transactions. Any claims concerning property or services purchased with your Visa MasterCard Debit Card must be resolved by you directly with the merchant or seller who accepted the Visa MasterCard Debit Card. You understand that we will not be able to help you because we only have the information received from the third party. Any claim or defense that you assert will not relieve you of your obligation to pay us the total amount of the transaction, unless otherwise permitted by law. You are not permitted to stop payment on any purchase through the use of your Visa MasterCard Debit Card. ADDITIONAL DISCLOSURES APPLICABLE TO PIN- LESS VISA DEBIT CARD TRANSACTIONS Additiofal Disclosures Applicable to MasterCard PIN-less Visa Less Debit Card Transactions: TrafsactiofS We allow non- Visa non-MasterCard debit transaction processing. This means you may use your Visa MasterCard Debit Card on a non- Visa non-MasterCard network (also known as a PIN- PIN-Debit Network) without using a PIN to authenticate your transactions. Visa MasterCard Operating Regulations generally define a PIN-Debit Network as a non- Visa non-MasterCard debit network that typically authenticates transactions by use of a PIN, but that is not generally known for having a card program. There are two types of authenticated transactions when using a debit card: PIN and signature. In a PIN-based debit card transaction, a cardholder enters a PIN to authorize the transaction. In a signature-based debit card transaction, a cardholder signs a receipt. You may choose to purchase goods and services with your Visa Debit Card through a PIN-Debit Network without the requirement of entering your PIN. There are a number of different non-MasterCard debit networks that a merchant may use that support PIN-less transactions. Examples of PIN-less debit transactions include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you instead of through the use of your PIN. You understand that the terms and conditions of your agreement with us relating to Visa Debit Card transactions do not apply to non- Visa PIN-Debit Card Network transactions. For example, the additional limits on liability (sometimes referred to as VisaMasterCard’s Zero Liability program), $50 loss cap, Visa’s provisional credit policies, Visa’s chargeback and dispute resolution rules, and the streamlined error resolution procedures offered on Visa Debit Card transactions are not applicable to transactions processed on a PIN-Debit Network. Additiofal Disclosures afd Regulatiofs Applicable to Fufd (Wire) TrafsferS Article 4A of the Uniform Commercial Code, as adopted by the State of California, Subpart B of Regulation J, as promulgated by the Board of Governors of the Federal Reserve, and Subpart B of Regulation E, as promulgated by the Consumer Financial Protection Bureau, are the laws and regulations that cover funds transfers. These funds transfers include but are not limited to transfers to or from accounts through the Federal Reserve Bank system by means of Fedwire, transfers through the Automated Clearing House (“ACH”) that are subject to the applicable ACH rules or other fund transfer systems, and transfers between accounts at our different branches (“on us” transfers). The foregoing laws and regulations are intended to establish a comprehensive legal framework covering the duties, responsibilities and liabilities of all parties involved in a funds transfer. In this Funds Transfer Agreement (“Agreement”), the following words have the following meanings: • “We,” “us,” “our,” and “Credit Union” mean Meriwest Credit Union.

Card Claims and Transaction Questions. When you I authorize other parties to debit your my savings or checking account, you are I am responsible for these transactions. Thus, you will I may have to contact these parties directly if you I have questions or complaints about your my transactions. Any claims concerning property or services purchased with your Visa Debit my Card must be resolved by you me directly with the merchant or seller who accepted the Visa Debit Card. You I understand that we you will not be able to help me because you because we only have the information received from the third party. Any claim or defense that you I assert will not relieve you me of your my obligation to pay us you the total amount of the transactionsales slip, unless otherwise permitted by law. You are I am not permitted to stop payment on any purchase through the use of your Visa Debit my Card. ADDITIONAL DISCLOSURES APPLICABLE TO PIN- LESS VISA PINLESS DEBIT CARD TRANSACTIONS PIN-less Visa PINless Debit Card Transactions: We . You allow non- non-Visa debit transaction processing. This means you I may use your Visa Debit Card my debit card on a non- Visa PIN-debit network (also known as a PIN- Debit Networknon-Visa network) without using a PIN to authenticate your my transactions. Visa Operating Rules and Regulations generally define a PIN-Debit Network debit network as a non- Visa nonVisa debit network that typically authenticates transactions by use of a PIN, but that is not generally known for having a card program. There are two types of authenticated transactions when using a debit card: PIN and signature. In a PIN-based debit card transaction, a cardholder enters a PIN to authorize the transaction. In a signature-based signature debit card transaction, a cardholder signs a receipt. You I may choose to purchase goods and services with your Visa Debit Card my debit card through a PIN-Debit Network debit network without the requirement of entering your my PIN. The networks that support PINLess transactions for the Credit Union are CO-OP Network and STAR Network. Examples of PIN-less PINless debit transactions include initiating a payment directly with the xxxxxx (possibly via telephone, Internet, Internet or kiosk locations), responding to a logo displayed at a payment site and choosing to direct payment through that network, and having your my identity verified using known information derived from an existing relationship with you me instead of through the use of your a PIN. You I understand that the terms and conditions of your my agreement with us you relating to Visa Debit Card debit transactions do not apply to non- non-Visa Debit Card debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s Zero Liability program), $50 loss cap, Visa’s provisional credit policies, Visa’s chargeback and dispute resolution rules, policies and the streamlined error resolution procedures offered on Visa Debit Card debit card transactions are not applicable to transactions processed on a PIN-Debit Networkdebit network. ADDITIONAL DISCLOSURES APPLICABLE TO ATM EFTS, ELECTRONIC CHECK (ECHECK) TRANSACTIONS, POINT OF SALE TRANSACTIONS, AUDIO TELLER AND SCHOOLSONLINE TRANSACTIONS Right to Receive Documentation of Transactions.