Common use of Cash Access Clause in Contracts

Cash Access. You may not use your Card to obtain cash from an Automated Teller Machine (“ATM”), Point-of-Sale (“POS”) device, or by any other means. Loading Your Card Account Your Card and Card Account are reloadable as per the guidelines prescribed by uab bank Limited. You will have access to your funds as soon as your Card is activated (see “Activate Your Card” above). Using Your Card/Features The maximum amount that can be spent on your Card per day is the balance of the Card Account, or as per prescribed daily limit, whichever is lower. You may use your Card to purchase or lease goods or services in the Myanmar or any other countries where the VISA Card are being accepted. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with your Card or Card Account. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. You are still responsible for regular payment if you do not cancel the regular payment with proper method even after Card cancellation, closing or termination.

Cash Access. You may not use your Card to obtain cash from an Automated Teller Machine (“ATM”), Point-of-Sale (“POS”) device, or by any other means. You may not use your Card at an ATM. Loading Your Card Account Additional funds may not be added to your Card, called “value loading”. The minimum amount of the initial value load is $10.00. The maximum amount of the initial value load is $2,500.00. Your Card and Card Account are reloadable as per the guidelines prescribed by uab bank Limitedis non-reloadable. You will have access to your funds as soon as your Card is activated (see “Activate Your Card” above)immediately after activation. Using Your Card/Features The maximum amount that can be spent on your Card per day is the balance $2,500.00. The maximum value of the your Card Account, or as per prescribed daily limit, whichever is lowerrestricted to $2,500.00. You may use your Card to purchase or lease goods or services in everywhere Visa debit cards accepted as long as you do not exceed the Myanmar or any other countries where the VISA value available on your Card are being acceptedAccount. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in on the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $125.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with on your Card or Card AccountCard. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. You are still responsible All transactions relating to car rentals may result in a hold for regular payment if you do not cancel the regular payment with proper method even after Card cancellation, closing or terminationthat amount of funds for up to sixty (60) days.

Cash Access. You may not use your Card to obtain cash from an Automated Teller Machine (“ATM”), Point-of-Sale (“POS”) device, or by any other means. You may not use your Card at an ATM. Loading Your Card Account Additional funds may not be added to your Card, called “value loading”. The minimum amount of the initial value load is $10.00. The maximum amount of the initial value load is $2,500.00. Your Card and Card Account are reloadable as per the guidelines prescribed by uab bank Limitedis non-reloadable. You will have access to your funds as soon as your Card is activated (see “Activate Your Card” above)immediately after activation. Using Your Card/Features The maximum amount that can be spent on your Card per day is the balance $2,500.00. The maximum value of the your Card Account, or as per prescribed daily limit, whichever is lowerrestricted to $2,500.00. You may use your Card to purchase or lease goods or services in everywhere Debit MasterCard is accepted as long as you do not exceed the Myanmar or any other countries where the VISA value available on your Card are being acceptedAccount. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in on the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $100.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with on your Card or Card AccountCard. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. You are still responsible All transactions relating to car rentals may result in a hold for regular payment if you do not cancel the regular payment with proper method even after Card cancellation, closing or terminationthat amount of funds for up to sixty (60) days.

Cash Access. You may not use your the Card to obtain cash from an Automated Teller Machine (“ATM”), Point-of-Sale (“POS”) device, device or by any other means. Loading Your The Card Account Your You may not load funds to the Card. Only the Program Manager may load funds to the Card and Card Account are reloadable as per the guidelines prescribed by uab bank LimitedAccount. You will have access to your the funds as soon as your immediately after card activation. The Card is activated not reloadable after the initial loading. Personal checks, cashiers checks, and money orders sent to the Issuer are not an acceptable form of loading. All checks and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer. The maximum value of the Card is restricted to $2,500.00 Preauthorized Transfers The Card Account cannot be used for preauthorized direct debits from merchants, Internet service or other utility service providers (see “Activate Your Card” aboveMerchants”). If presented for payment, preauthorized direct debits will be declined and payment to the Merchant or provider will not be made. You are not authorized to provide the combination of the Issuer’s bank routing number and the Card Account number to anyone. Using Your The Card/Features The maximum amount value of the Card is restricted to $2,500.00. These are the maximum amounts that can be spent on your Card per day is the balance of the Card Account, or as per prescribed daily limit, whichever is lower. Card: You may use your the Card to purchase or lease goods or services in everywhere Visa is accepted as long as you do not exceed the Myanmar or any available value of the Card Account and other countries where the VISA Card are being acceptedrestrictions (see examples described below) do not apply. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in on the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your the Card, your the Card is likely to be declined. The Card may not be used at an automated fuel dispenser (“pay at the pump”). If you wish to purchase fuel, you must pay for your purchase inside with the cashier. If you use your the Card number without presenting your Card (such as at a restaurant, a hotel, for a mail order, telephonecar rental purchase, or Internet purchase)Transaction Type Frequency and/or Dollar Limits Card Purchases (Signature) 30 times per day, $2,500.00 per transaction, up to $2,500.00 per day Card Purchases (PIN) 30 times per day, $2,500.00 per transaction , up to $2,500.00 per day for similar purchases, the legal effect transaction may be preauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. A preauthorization will place a “hold” on those available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorized amount on hold will be removed. It may take up to seven (7) days for the same as if you used hold to be removed. During the Card itself. For security reasons, we may limit the amount or number of transactions you can make with your Card or Card Account. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Cardhold period, you authorize us will not have access to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactionspreauthorized amount. You do not have the right to stop payment on any purchase or payment transaction originated by use of your the Card. You may not make preauthorized regular payments from your Card Account. If you authorize a transaction and then fail to make a the purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. All transactions relating to car rentals may result in a hold for that amount of funds for up to sixty (60) days. If you use the Card number without presenting the Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you had used the Card itself. Card Account restrictions include, but are not limited to: restricted geographic or merchant locations where there is a higher risk of fraud or illegal activity; restrictions to comply with laws or prevent our liability; and other restrictions to prevent fraud and other losses. For security reasons, we may, with or without prior notice, limit the type, amount, or number of transactions you can make on the Card. You may not use the Card for illegal online gambling or any other illegal transaction. We may increase, reduce, cancel, or suspend any of the restrictions or add new ones at any time. The Card cannot be redeemed for cash. Each time you use the Card, you authorize us to reduce the available value of the Card Account by the amount of the transaction and any applicable fees. You are still responsible not allowed to exceed the available amount in the Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the available balance of funds on the Card, you shall remain fully liable to us for regular payment the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions New procedures are in effect that may impact you when you use the Card at certain merchant locations. In the past, transactions have been processed as Visa debit transactions unless you entered a PIN. Now, if you do not cancel enter a PIN, transactions may be processed as either a Visa debit transaction or as a STAR or NYCE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the regular payment with proper method even option. Please be advised that should you choose to use the STAR or NYCE network when making a transaction without a PIN, different terms may apply. Certain protections and rights applicable only to Visa debit transactions as described in this Agreement will not apply to transactions processed on the STAR or NYCE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, swipe the Card through a POS terminal, sign the receipt, or provide the 16-digit Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter the PIN at the POS terminal or provide the 16-digit Card number after Card cancellationclearly indicating a preference to route the transaction as a non-Visa debit transaction for certain bill payment, closing mail order, telephone, or terminationInternet purchases.

Cash Access. You may not use your Card to obtain cash from an Automated Teller Machine (“ATM”), Point-of-Sale (“POS”) device, or by any other means. You may not use your Card at an ATM. Loading Your Card Account The minimum amount of the initial value load is $10.00 The maximum amount of the initial value load is $1,000.00. If you choose to register your Card, you may add funds to your Card, called “value loading”, at any time. You may add value or load your Card via your registered account at xxx.xxxxxxxxxxxxxxxxx.xxx. The minimum amount of each value reload is $10.00. The maximum amount of each value reload is $1,000.00. The maximum number of times you may load your Card per day is three (3). You will be required to provide a valid credit card as well as personal identifying information. Your Card and has a lifetime reload limit of three (3) including Card Account are reloadable as per the guidelines prescribed by uab bank Limitedto Card transfers. You will have access to your funds as soon as your within twenty-four (24) business hours. Personal checks, cashiers checks, and money orders sent to the Issuer are not an acceptable form of loading. All checks and money orders sent to the Issuer for Card is activated (see “Activate Your Card” above)loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer. Using Your Card/Features The maximum amount that can be spent on your Card per day is the balance $1,000.00. The maximum value of the your Card Account, or as per prescribed daily limit, whichever is lowerrestricted to $2,000.00. You may use your Card everywhere Debit MasterCard®, Maestro® cards and NYCE® cards are accepted only to purchase eligible transportation or lease goods parking benefit services pursuant to IRS Code, as long as you do not exceed the value available on your Card Account. The Card may not be used outside of the United States and District of Columbia, including Internet and mail or services in telephone order merchant outside of the Myanmar or any other countries where the VISA Card are being acceptedU.S. and District of Columbia. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in on the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with on your Card or Card AccountCard. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. You are still responsible All transactions relating to car rentals may result in a hold for regular payment if you do not cancel the regular payment with proper method even after Card cancellation, closing or terminationthat amount of funds for up to sixty (60) days.

Cash Access. You may not use your Card to obtain cash from an Automated Teller Machine (“ATM”), Point-of-Sale (“POS”) device, or by any other means. You may not use your Card at an ATM. Loading Your Card Account Additional funds may not be added to your Card, called “value loading”. The minimum amount of the initial value load is $10.00. The maximum amount of the initial value load is $5,000.00. Your Card and Card Account are reloadable as per the guidelines prescribed by uab bank Limitedis non-reloadable. You will have access to your funds as soon as your Card is activated (see “Activate Your Card” above)immediately after activation. Using Your Card/Features The maximum amount that can be spent on your Card per day is the balance $5,000.00. The maximum value of the your Card Account, or as per prescribed daily limit, whichever is lowerrestricted to $5,000.00. You may use your Card to purchase or lease goods or services in everywhere Debit MasterCard is accepted as long as you do not exceed the Myanmar or any other countries where the VISA value available on your Card are being acceptedAccount. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available in on the Card Account to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $100.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any preauthorization amount will place a “hold” on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make with on your Card or Card AccountCard. Your Card cannot be redeemed for cash. You may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the transaction and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may result in a hold for that amount of funds for up to thirty (30) days. You are still responsible All transactions relating to car rentals may result in a hold for regular payment if you do not cancel the regular payment with proper method even after Card cancellation, closing or terminationthat amount of funds for up to sixty (60) days.