Common use of Card Purchases Clause in Contracts

Card Purchases. You may use the Card to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. You may use your Card to make purchases using your PIN at any merchant with a point-of-sale (“POS”) device anywhere that displays the Mastercard, Interlink, Maestro, or Cirrus acceptance marks. You may also use your Card to make purchases without your PIN anywhere that Mastercard debit cards are accepted. Split Tender and Card-Not-Present Transactions You can instruct a merchant to charge your Card for part of a purchase and pay any remaining amount with cash or another card. This is called a “split transaction.” Some merchants do not permit split transactions. If you wish to conduct a split transaction, you must tell the merchant the exact amount you would like charged to your Card. If you fail to inform the merchant you would like to complete a split transaction and you do not have sufficient available funds in your Account to cover the entire purchase amount, your Card may be declined or may pull funds from your Linked Account. You may make retail card purchases without presenting your Card by providing information from your Card, such as in transactions done by internet or telephone. Conducting transactions in this way has the same legal effect as if you used the plastic Card itself. For security reasons, the amount or number of such transactions you may make may be limited. You agree not to use your Card for illegal purposes. Display of a payment card logo by an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Authorization Holds When you use your Card to purchase goods or services or to make a cash back withdrawal transaction, the merchant may attempt to obtain preauthorization for the transaction. If the merchant makes such a request, a "hold” is placed on your Account balance for the amount of the preauthorization request (which may vary in some cases from the amount of the actual purchase, depending on the merchant or purchase type), until the merchant sends the final payment amount of your purchase, even if you fail to make the purchase. When this happens, our processing system cannot determine that the amount of the hold exceeds the actual amount of your purchase. This temporary hold, and the amount charged to your Account, will eventually be adjusted to the actual amount of your purchase, but it may be up to 7 days or more transactions before the adjustment is made. During the hold period, you may not have access to the preauthorized amount in your Account. If the preauthorization request varies from the amount of the actual transaction, the actual transaction amount will be debited from your Account, even if this results in your Account balance becoming negative. You remain responsible for any negative balances in your Account. If you use the Card at an automated fuel dispenser ("pay at the pump”), the transaction may be preauthorized for an amount up to $100.00. If the Card is declined, but you have sufficient funds available in your Account, you should use the Card to pay for the purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% to ensure there are sufficient funds available to cover tips or incidental expenses incurred. For transactions at hotels, it may take up to 30 days for the hold to be removed. For transactions at rental car companies, it may take up to 60 days for the hold to be removed. Some merchants may request an authorization for the amount that they estimate you will spend and place a temporary hold for that amount. This estimated amount is likely to be different (either more or less) than the actual transaction amount. Typically, temporary holds are placed for up to 3 business days, but exact times may vary. If a temporary hold is placed, please note that it may impact your available balance by an amount either more or less than you expected until the transaction posts. We are not responsible for damages or losses of any type, including wrongful dishonor, for any transaction that is not authorized or that is returned unpaid because of a hold. With your PIN, you can use your Card to obtain your available Account balance and cash from your Account up to your available Account balance, subject to any applicable transaction limitations, at any ATM or any point-of-sale (“POS”) in the United States that displays the Mastercard, Interlink, Maestro or Cirrus acceptance marks. ATMs at which the card may be utilized are not available in all areas and the card will not be functional at all ATMs. Not all merchants will permit you to get cash back through their POS devices. We may charge you a fee to use ATMs. In addition, ATM owner-operators may impose their own fees and lower limits on cash withdrawals and may assess a fee even if you do not complete the transaction. This ATM fee imposed by a third-party is assessed by the individual ATM operator and is not assessed or controlled by us. ATM fees will be charged to your Account. If given the option, select "Checking Account" when using an ATM. All ATM transactions are treated as cash withdrawal transactions and subject to your daily cash withdrawal limit. Using your Card, you may withdraw no more than $500.00 in cash per day from an ATM. This daily withdrawal limit is subject to change from time to time as agreed between Purpose and the Bank. In addition, using your Card and/or PIN (if applicable), you may not exceed $1,000.00 in debit card transactions per day. Purpose may, at its discretion, place additional limits on the number or total dollar value of purchases, and/or cash withdrawals that you may make with the Card. You will be notified of any change in the manner provided by applicable law prior to the effective date. Card limits are subject to periodic review and may be changed based on your Account history, activity, and other factors, including but not limited to your Card activity. Purpose retains sole discretion to apply and change limits.

Card Purchases. You may use the Card to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. You may use your Card to make purchases using your PIN at any merchant with a point-of-sale (“POS”) POS device anywhere that displays the Mastercard, Interlink, Maestro, or Cirrus acceptance marks. You may also use your Card to make purchases without your PIN anywhere that Mastercard debit cards are accepted. You may purchase up to $1,000 worth of goods or services each day using your Card in our POS transfer service. Split Tender and Card-Not-Present Transactions You can instruct a merchant to charge your Card for part of a purchase and pay any remaining amount with cash or another card. This is called a “split transaction.” Some merchants do not permit split transactions. If you wish to conduct a split transaction, you must tell the merchant the exact amount you would like charged to your Card. If you fail to inform the merchant you would like to complete a split transaction and you do not have sufficient sufficient available funds in your Account to cover the entire purchase amount, your Card may be declined or may pull funds from your Linked Account. You may make retail card purchases without presenting your Card by providing information from your Card, such as in transactions done by internet or telephone. Conducting transactions in this way has the same legal effect effect as if you used the plastic Card itself. For security reasons, the amount or number of such transactions you may make may be limited. You agree not to use your Card for illegal purposes. Display of a payment card logo by an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Authorization Holds When you use your Card to purchase goods or services or to make a cash back withdrawal transaction, the merchant may attempt to obtain preauthorization for the transaction. If the merchant makes such a request, a "“hold” is placed on your Account balance for the amount of the preauthorization request (which may vary in some cases from the amount of the actual purchase, depending on the merchant or purchase type), until the merchant sends the final payment amount of your purchase, even if you fail to make the purchase. When this happens, our processing system cannot determine that the amount of the hold exceeds the actual amount of your purchase. This temporary hold, and the amount charged to your Account, will eventually be adjusted to the actual amount of your purchase, but it may be up to 7 seven (7) days or more transactions before the adjustment is made. During the hold period, you may not have access to the preauthorized amount in your Account. If the preauthorization request varies from the amount of the actual transaction, the actual transaction amount will be debited from your Account, even if this results in your Account balance becoming negative. You remain responsible for any negative balances in your Account. If you use the Card at an automated fuel dispenser ("“pay at the pump”), the transaction may be preauthorized for an amount up to $100.00. If the Card is declined, but you have sufficient sufficient funds available in your Account, you should use the Card to pay for the purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to twenty percent (20% %) to ensure there are sufficient sufficient funds available to cover tips or incidental expenses incurred. For transactions at hotels, it may take up to 30 thirty (30) days for the hold to be removed. For transactions at rental car companies, it may take up to 60 sixty (60) days for the hold to be removed. Some merchants may request an authorization for the amount that they estimate you will spend and place a temporary hold for that amount. This estimated amount is likely to be different different (either more or less) than the actual transaction amount. Typically, temporary holds are placed for up to 3 three (3) business days, but exact times may vary. If a temporary hold is placed, please note that it may impact your available balance by an amount either more or less than you expected until the transaction posts. We are not responsible for damages or losses of any type, including wrongful dishonor, for any transaction that is not authorized or that is returned unpaid because of a hold. ATM and POS Balance Inquiries and Withdrawals With your PIN, you can use your Card to obtain your available Account balance and cash from your Account up to your available Account balance, subject to any applicable transaction limitations, at any ATM or any point-of-sale (“POS”) POS in the United States that displays the Mastercard, Interlink, Maestro or Cirrus acceptance marks. ATMs at which the card may be utilized are not available in all areas and the card will not be functional at all ATMs. Not all merchants will permit you to get cash back through their POS devices. We may charge you a fee to use ATMs. In addition, ATM owner-operators may impose their own fees and lower limits on cash withdrawals and may assess a fee even if you do not complete the transaction. This ATM fee imposed by a third-party is assessed by the individual ATM operator and is not assessed or controlled by us. ATM fees will be charged to your Account. If given the option, select "“Checking Account" ” when using an ATM. All ATM transactions are treated as cash withdrawal transactions and subject to your daily cash withdrawal limit. Using your CardTransaction Limitations Twig USA, you may withdraw no more than $500.00 in cash per day from an ATMinc. This daily withdrawal limit is subject to change from time to time as agreed between Purpose and the Bank. In addition, using your Card and/or PIN (if applicable), you may not exceed $1,000.00 in debit card transactions per day. Purpose may, at its discretion, place additional limits on the number or total dollar value of purchases, and/or cash withdrawals that you may make with the Card. You will be notified of any change in the manner provided by applicable law Applicable Law prior to the effective effective date. Card limits are subject to periodic review and may be changed based on your Account history, activity, and other factors, including but not limited to your Card activity. Purpose Twig USA, inc. retains sole discretion to apply and change limits. Foreign Transactions The Card may be used to conduct transactions within the United States or to conduct international transactions, including, without limitation, transactions conducted on international merchant websites or mobile applications accessible within the United States. Currency Conversion and Cross-Border Transaction Fees If you effect a transaction with your Card in a currency other than US Dollars, Mastercard, will convert the charge into a US Dollar amount. The Mastercard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by Mastercard. The exchange rate Mastercard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your Account. Please see the fee schedule for applicable transaction fees. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different from the country of the cardholder. Returns and Refunds Please be aware of the merchant’s return policies before using your Card to make a purchase. Neither we nor Twig USA, inc. is responsible for the delivery, quality, safety, legality or any other aspect of the goods or services you purchase using your Card. If you have a problem with a purchase that you made with your Card or if you have a dispute with the merchant, you must handle it directly with the merchant. If you are entitled to a refund for any reason for goods or services obtained using your Card, you agree to accept credits to your Card for the refund and agree to the refund policy of the merchant. The amounts credited to your Card for refunds may not be available for up to five (5) days from the date the refund transaction occurs.

Card Purchases. You may use the Card to purchase goods (in person, online, or by phone), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that a participating merchant will accept. You may use your Card to make purchases using your PIN at any merchant with a point-of-sale (“POS”) device anywhere that displays the Mastercard, Interlink, Maestro, or Cirrus acceptance marks. You may also use your Card to make purchases without your PIN anywhere that Mastercard debit cards are accepted. Split Tender and Card-Not-Present Transactions You can instruct a merchant to charge your Card for part of a purchase and pay any remaining amount with cash or another card. This is called a “split transaction.” Some merchants do not permit split transactions. If you wish to conduct a split transaction, you must tell the merchant the exact amount you would like charged to your Card. If you fail to inform the merchant you would like to complete a split transaction and you do not have sufficient sufficient available funds in your Account to cover the entire purchase amount, your Card may be declined or may pull funds from your Linked Account. You may make retail card purchases without presenting your Card by providing information from your Card, such as in transactions done by internet or telephone. Conducting transactions in this way has the same legal effect effect as if you used the plastic Card itself. For security reasons, the amount or number of such transactions you may make may be limited. You agree not to use your Card for illegal purposes. Display of a payment card logo by an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Authorization Holds When you use your Card to purchase goods or services or to make a cash back withdrawal transaction, the merchant may attempt to obtain preauthorization for the transaction. If the merchant makes such a request, a "hold” is placed on your Account balance for the amount of the preauthorization request (which may vary in some cases from the amount of the actual purchase, depending on the merchant or purchase type), until the merchant sends the final payment amount of your purchase, even if you fail to make the purchase. When this happens, our processing system cannot determine that the amount of the hold exceeds the actual amount of your purchase. This temporary hold, and the amount charged to your Account, will eventually be adjusted to the actual amount of your purchase, but it may be up to 7 days or more transactions before the adjustment is made. During the hold period, you may not have access to the preauthorized amount in your Account. If the preauthorization request varies from the amount of the actual transaction, the actual transaction amount will be debited from your Account, even if this results in your Account balance becoming negative. You remain responsible for any negative balances in your Account. If you use the Card at an automated fuel dispenser ("pay at the pump”), the transaction may be preauthorized for an amount up to $100.00. If the Card is declined, but you have sufficient sufficient funds available in your Account, you should use the Card to pay for the purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be preauthorized for the purchase amount plus up to 20% to ensure there are sufficient sufficient funds available to cover tips or incidental expenses incurred. For transactions at hotels, it may take up to 30 days for the hold to be removed. For transactions at rental car companies, it may take up to 60 days for the hold to be removed. Some merchants may request an authorization for the amount that they estimate you will spend and place a temporary hold for that amount. This estimated amount is likely to be different different (either more or less) than the actual transaction amount. Typically, temporary holds are placed for up to 3 business days, but exact times may vary. If a temporary hold is placed, please note that it may impact your available balance by an amount either more or less than you expected until the transaction posts. We are not responsible for damages or losses of any type, including wrongful dishonor, for any transaction that is not authorized or that is returned unpaid because of a hold. ATM and POS Balance Inquiries and Withdrawals With your PIN, you can use your Card to obtain your available Account balance and cash from your Account up to your available Account balance, subject to any applicable transaction limitations, at any ATM or any point-of-sale (“POS”) in the United States that displays the Mastercard, Interlink, Maestro or Cirrus acceptance marks. ATMs at which the card may be utilized are not available in all areas and the card will not be functional at all ATMs. Not all merchants will permit you to get cash back through their POS devices. We may charge you a fee to use ATMs. In addition, ATM owner-operators may impose their own fees and lower limits on cash withdrawals and may assess a fee even if you do not complete the transaction. This ATM fee imposed by a third-party is assessed by the individual ATM operator and is not assessed or controlled by us. ATM fees will be charged to your Account. If given the option, select "Checking Account" when using an ATM. All ATM transactions are treated as cash withdrawal transactions and subject to your daily cash withdrawal limit. Transaction Limitations Using your Card, you may withdraw no more than $500.00 in cash per day from an ATM. This daily withdrawal limit is subject to change from time to time as agreed between Purpose and the Bank. In addition, using your Card and/or PIN (if applicable), you may not exceed $1,000.00 in debit card transactions per day. Purpose may, at its discretion, place additional limits on the number or total dollar value of purchases, and/or cash withdrawals that you may make with the Card. You will be notified of any change in the manner provided by applicable law prior to the effective effective date. Card limits are subject to periodic review and may be changed based on your Account history, activity, and other factors, including but not limited to your Card activity. Purpose retains sole discretion to apply and change limits. Foreign Transactions The Card may be used to conduct transactions within the United States or to conduct international transactions, including, without limitation, transactions conducted on international merchant websites or mobile applications accessible within the United States. Currency Conversion and Cross-Border Transaction Fees If you effect a transaction with your Card in a currency other than US Dollars, Mastercard, will convert the charge into a US Dollar amount. The Mastercard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by Mastercard. The exchange rate Mastercard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your Account. Please see the fee schedule for applicable transaction fees. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross-border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different from the country of the cardholder. Returns and Refunds Please be aware of the merchantʼs return policies before using your Card to make a purchase. Neither we nor Purpose is responsible for the delivery, quality, safety, legality or any other aspect of the goods or services you purchase using your Card. If you have a problem with a purchase that you made with your Card or if you have a dispute with the merchant, you must handle it directly with the merchant. If you are entitled to a refund for any reason for goods or services obtained using your Card, you agree to accept credits to your Card for the refund and agree to the refund policy of the merchant. The amounts credited to your Card for refunds may not be available for up to 5 days from the date the refund transaction occurs. Replacing Your Card If you need to replace your Card for any reason, please contact us by email at xxxxx@xxxxxxxxxxxxxx.xxx, or request a new card via the Mobile App. You will be required to provide personal information which may include the 16-digit Card number, your full name and knowledge of the Card transaction history so that we may verify your identity before we will issue you a replacement Card. If you believe your Card has been lost or stolen, you may immediately disable your Card via the Mobile App. We may cancel any Card that has been disabled for 60 days or longer. Mastercard Benefits Your Card may be eligible for certain benefits provided by Mastercard. Please visit Mastercardʼs website for additional information and check inside the benefits section of the Purpose app. Suspension and Cancellation We may refuse to issue, deactivate, revoke, suspend or cancel your Card at any time with or without notice to you, other than as required by law. This includes deactivating or canceling your Card if it has been lost or stolen to prevent unauthorized transactions. You agree not to use your Card once it has been deactivated, revoked, suspended or canceled. We may also limit your use of the Card, including limiting or prohibiting specific types of transactions. If you would like to cancel your Card, you may do so at any time by emailing us at xxxxx@xxxxxxxxxxxxxx.xxx. The cancellation of your Card privileges will not otherwise affect your rights and obligations under this Agreement. You can also disable your Card inside the Purpose App in card settings. Using Your Card with a Digital Wallet A digital wallet (“Wallet”) provides another way for you to make purchases with your Card. A digital wallet is a service provided by another company (such as Apple Pay, Google Pay, Samsung Pay, etc.) that allows you to use your Card to enter into transactions where the Wallet is accepted. A Wallet may not be accepted at all places where your Card is otherwise accepted, and your Card may not be eligible for all the features and functionalities of the Wallet. Any use of your Card in or through the Wallet continues to be subject to all terms and conditions of this Agreement. We may terminate your access to or use of your Card with a Wallet at any time and for any reason, including if you violate any of the terms or conditions of this Agreement. You can add your Card to or remove your Card from a Wallet by following the instructions provided by the Wallet provider. By doing this, you agree to allow us to share your Card information with the Wallet provider. You may be required to take additional steps to authenticate yourself before your Card is added to the Wallet. We do not charge you any additional fees for adding your Card to a Wallet or for using your Card in the Wallet. However, any fees and charges that would apply when you use your Card outside the Wallet will also apply when you use a Wallet to make purchases with your Card or otherwise access your Card. The Wallet provider and other third parties, such as wireless companies or data service providers may charge you fees. The digital version of your Card in a Wallet may, in our sole discretion, be automatically updated or upgraded without notice to you. We are not the provider of the Wallet, and we are not responsible for providing the Wallet service to you or for ensuring that your Card is compatible with any Wallet service. We are only responsible for supplying information to the Wallet provider to allow usage of your Card in the Wallet as you have requested. We are not responsible for any failure of the Wallet, any mobile device you use with the Wallet, or the inability to use the Wallet for any transaction. We are not responsible for how the Wallet provider performs its services or any other third parties regarding any agreement you enter into with the Wallet provider or other third party. We do not control the privacy and security of any of your information that may be held by the Wallet provider. Any information held by the Wallet provider is governed by the privacy policy given to you by the Wallet provider. If you have location services enabled on your mobile device, the location of your mobile device may be collected and shared by the Wallet provider in accordance with their respective data and privacy policies, including with us. If you request to add your Card to a Wallet, you authorize us to collect, transmit, store, use, and share information about you, your mobile device, and your use of the Card in accordance with our privacy policy, as amended from time to time. If you use a Wallet, you should protect your Wallet and your mobile device as you would your Card. If your Wallet or mobile device is compromised, lost, or stolen, you should also consider your Card lost or stolen and notify us immediately. If you have any questions, disputes, or complaints about a Wallet, contact the Wallet provider using the information given to you by the provider. TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNDER NO CIRCUMSTANCES AND UNDER NO LEGAL THEORY ARE WE LIABLE FOR ANY LOSSES OR DAMAGES RESULTING FROM YOUR USE OF A WALLET, YOUR USE OF THE CARD OR VIRTUAL CARD IN CONNECTION WITH A WALLET, OR A MOBILE DEVICE.

Card Purchases. You may can use the your Card to purchase goods and services everywhere Debit Mastercard is accepted (in person, online, or by phonesee “Limitations on Account Usage” section), pay for services (in person, online, or by phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and . If you do anything that a participating merchant will accept. You may use not have enough funds available on your Card to make purchases using your PIN at any merchant with a point-of-sale (“POS”) device anywhere that displays for the Mastercardentire purchase, Interlink, Maestro, or Cirrus acceptance marks. You may also use your Card to make purchases without your PIN anywhere that Mastercard debit cards are accepted. Split Tender and Card-Not-Present Transactions You you can instruct a the merchant to charge part of the purchase to your Card for part of a purchase and pay any the remaining amount with cash or another cardother funds. This is These are called a “split transaction.” Some transactions and some merchants do not permit split transactionsthem. If a merchant attempts to process a transaction for more than the value available in your Account, or if the transaction will cause the purchase limit we have established to be exceeded, then the transaction will be declined. Unusual or multiple purchases may prompt a merchant inquiry or card suspension to allow us to investigate such unusual activity. If you wish to conduct a split transaction, you must tell the merchant the exact amount you would like charged to your Card. If you fail to inform the merchant you would like to complete a split transaction and you do not have sufficient available funds in your Account to cover the entire purchase amount, use your Card may be declined or may pull funds from your Linked Account. You may make retail card purchases Number without presenting your Card by providing information from your Card, (such as in transactions done by internet for mail order, telephone, or telephone. Conducting transactions in this way has Internet purchases), the legal effect will be the same legal effect as if you used the plastic Card itself. For security reasonsmail order, telephone, Internet or other card-not-present purchases, merchants may choose to route a transaction through as a PIN or signature purchase. In these circumstances, we recommend that you ask the amount merchant whether your transaction will be routed as a PIN or number of such signature transaction, to the extent we assess different fees for PIN and signature purchase transactions you may make may be limited(see “Fee Schedule”). You agree not to use your Card for illegal purposes. Display of a payment card logo by an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located. Authorization Holds When you use your Card to purchase pay for goods or services or services, certain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and may place a cash back withdrawal transaction, the merchant may attempt to obtain preauthorization for the transaction. If the merchant makes such a request, a "hold” is placed temporary hold on your Account balance Account’s funds for the amount of indicated by the preauthorization request merchant (which may vary in some cases from the amount of the actual purchase, depending on the merchant or purchase type), until the merchant sends be more than the final payment amount of your purchase, even if you fail to make the purchase. When this happens, our processing system cannot determine that the amount of the hold exceeds the actual amount of your purchase. This temporary hold, and the amount charged to your Account, will eventually be adjusted to the actual amount of your purchase, but it may be up to 7 days or more transactions before the adjustment is made. During the hold period, you may not have access to the preauthorized amount in your Account. If the preauthorization request varies from the amount of the actual transaction, the actual settled transaction amount will be debited from your Account, even if this results in your Account balance becoming negative. You remain responsible for any negative balances in your Accountamount). If you use the Card at an automated fuel dispenser ("pay at the pump”), the transaction may be preauthorized for an amount up to $100.00. If the Card is declined, but you have sufficient funds available in your Account, you should use the Card to pay for the purchase inside with the cashier. If you use the Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction may be preauthorized amount for the purchase amount plus up to 20% more to ensure there are sufficient sufficient funds available to cover tips or incidental expenses incurred. For transactions Transactions at certain merchants that authorize high dollar amounts, especially rental car companies and hotels, it may take up to 30 days for the hold to be removed. For transactions at rental car companies, it may take up to 60 days for the hold to be removed. Some merchants may request cause an authorization for the amount that they estimate you will spend and place a temporary hold for that amount. This estimated amount is likely to be different (either more “authorization” or less) than the actual transaction amount. Typically, temporary holds are placed “hold” on your Available Balance for up to 3 business thirty (30) days, but exact times may vary. If a temporary hold is placed, please note Until the transaction finally settles or we determine that it may impact your available balance by an amount either more or less than you expected until is unlikely to be processed, the transaction posts. We are not responsible for damages or losses of any type, including wrongful dishonor, for any transaction that is not authorized or that is returned unpaid because of a hold. With your PIN, you can use your Card to obtain your available Account balance and cash from your Account up to your available Account balance, funds subject to any applicable transaction limitations, at any ATM or any point-of-sale (“POS”) in the United States that displays the Mastercard, Interlink, Maestro or Cirrus acceptance marks. ATMs at which the card may be utilized are not available in all areas and the card hold will not be functional at all ATMs. Not all merchants will permit available to you to get cash back through their POS devicesfor other purposes. We may will only charge you a fee to use ATMs. In addition, ATM owner-operators may impose their own fees and lower limits on cash withdrawals and may assess a fee even if you do not complete the transaction. This ATM fee imposed by a third-party is assessed by the individual ATM operator and is not assessed or controlled by us. ATM fees will be charged to your Account. If given the option, select "Checking Account" when using an ATM. All ATM transactions are treated as cash withdrawal transactions and subject to your daily cash withdrawal limit. Using your Card, you may withdraw no more than $500.00 in cash per day from an ATM. This daily withdrawal limit is subject to change from time to time as agreed between Purpose and the Bank. In addition, using your Card and/or PIN (if applicable), you may not exceed $1,000.00 in debit card transactions per day. Purpose may, at its discretion, place additional limits on the number or total dollar value of purchases, and/or cash withdrawals that you may make with the Card. You will be notified of any change in the manner provided by applicable law prior to the effective date. Card limits are subject to periodic review and may be changed based on your Account history, activity, for the correct amount of the final transaction and other factors, including but not limited to your Card activity. Purpose retains sole discretion to apply and change limitswill release the hold on any excess amount when the transaction finally settles.