Common use of CONDUCTING TRANSACTIONS Clause in Contracts

CONDUCTING TRANSACTIONS. The presentation of your card, and, if required, the entry of your PIN constitutes authorization to the Credit Union to conduct transactions. You agree to follow the instructions posted for use of the ATMs and POS terminals accessible by your card. These instructions will be considered part of the Agreement. You agree not to make transactions that would overdraw any account. If, by mistake, you are permitted to conduct a transaction that you should not have been allowed to make, we may charge the amount involved to an account with available funds, engage Courtesy Pay Overdraft if applicable, or otherwise hold you liable. When a PIN is required, you cannot make transactions without the entry of your correct PIN. Entries of an incorrect PIN may result in your card being retained in an ATM. ILLEGAL TRANSACTIONS PROHIBITED: Your card may not be used to initiate any type of illegal gambling transaction or complete illegal transactions. It is your responsibility to use the card only for valid and lawful purposes. If you use the card for any other purpose or transaction, including without limitation unlawful gambling activities, (herein called a “Prohibited Activity”), you must promptly reimburse Christian Financial Credit Union and Visa International Incorporated for all amounts or expenses either Christian Financial or Visa pays as a result of such use. Cardholder agrees that all transactions that are initiated by use of the card shall be legal in the jurisdiction where the cardholder lives and/or the transaction occurred. Internet gambling may be illegal in the jurisdiction in which cardholder is located, including the United States. Display of a payment card logo by an on-line merchant does not mean that Internet transactions are legal in the jurisdiction in which cardholder is located. Issuer shall decline to authorize any transaction issuer believes poses an undue risk of illegality or unlawfulness. Card transactions for any Prohibited Activity made by or for the benefit of you shall be considered authorized by you, and you assume all responsibility and liability for all losses, costs and expenses you incur as a result of such use. If we receive actual knowledge that you are processing restricted transactions, the account will be closed. FOREIGN TRANSACTIONS/EXCHANGE: If you effect an international transaction with your Visa Debit Card in a currency other than U.S. dollars, Visa will convert the charge into U.S. dollars. Visa charges an International Service Assessment (ISA) of one percent (1%) for use of the global payment system. The fee applies to purchases, credit vouchers, cash disbursements and single multi-currency transactions and will be posted as a separate transaction on your account. The fee is not assessed on transactions originating in US territories, and US Bases. Please note that foreign transactions may include transactions originated by you within the U.S., but processed by a merchant in a foreign country.

CONDUCTING TRANSACTIONS. The presentation of your card, and, if required, the entry of your PIN constitutes authorization to the Credit Union to conduct transactions. You agree to follow the instructions posted for use of the ATMs and POS terminals accessible by your card. These instructions will be considered part of the Agreement. You agree not to make transactions that would overdraw any account. If, by mistake, you are permitted to conduct a transaction that you should not have been allowed to make, we may charge the amount involved to an account with available funds, engage Courtesy Pay Overdraft if applicable, or otherwise hold you liable. When a PIN is required, you cannot make transactions without the entry of your correct PIN. Entries of an incorrect PIN may result in your card being retained in an ATM. ILLEGAL TRANSACTIONS PROHIBITED: Your card may not be used to initiate any type of illegal gambling transaction or complete illegal transactions. It is your responsibility to use the card Card only for valid and lawful purposes. If you use the card Card for any other purpose or transaction, including without limitation unlawful gambling activities, (herein called a “Prohibited Activity”), you must promptly reimburse Christian Financial Credit Union and Visa MasterCard International Incorporated for all amounts or expenses either Christian Financial or Visa MasterCard pays as a result of such use. Cardholder agrees that all transactions that are initiated by use of the card Card shall be legal in the jurisdiction where the cardholder lives and/or the transaction occurred. Internet gambling may be illegal in the jurisdiction in which cardholder is located, including the United States. Display of a payment card logo by an on-line merchant does not mean that Internet transactions are legal in the jurisdiction in which cardholder is located. Issuer shall decline to authorize any transaction issuer believes poses an undue risk of illegality or unlawfulness. Card transactions for any Prohibited Activity made by or for the benefit of you shall be considered authorized by you, and you assume all responsibility and liability for all losses, costs and expenses you incur as a result of such use. If we receive actual knowledge that you are processing restricted transactions, the account will be closed. FOREIGN TRANSACTIONS/EXCHANGE: If you effect an international transaction with your Visa MasterCard Debit Card card in a currency other than U.S. dollars, Visa MasterCard will convert the charge into U.S. dollars. Visa MasterCard charges an International Service Assessment (ISA) of one percent (1%) for use of the global payment system. The fee applies to purchases, credit vouchers, cash disbursements and single multi-currency transactions and will be posted as a separate transaction on your account. The fee is not assessed on transactions originating in US territories, and US Bases. Please note that foreign transactions may include transactions originated by you within the U.S., but processed by a merchant in a foreign country.

CONDUCTING TRANSACTIONS. The presentation of your card, and, if required, the entry of your PIN constitutes authorization to the Credit Union to conduct transactions. You agree to follow the instructions posted for use of the ATMs and POS terminals accessible by your card. These instructions will be considered part of the Agreement. You agree not to make transactions that would overdraw any account. If, by mistake, you are permitted to conduct a transaction that you should not have been allowed to make, we may charge the amount involved to an account with available funds, engage Courtesy Pay Overdraft if applicable, or otherwise hold you liable. When a PIN is required, you cannot make transactions without the entry of your correct PIN. Entries of an incorrect PIN may result in your card being retained in an ATM. ILLEGAL TRANSACTIONS PROHIBITED: Your card may not be used to initiate any type of illegal gambling transaction or complete illegal transactions. It is your responsibility to use the card Card only for valid and lawful purposes. If you use the card Card for any other purpose or transaction, including without limitation unlawful gambling activities, (herein called a “Prohibited Activity”), you must promptly reimburse Christian Financial Credit Union and Visa International Incorporated for all amounts or expenses either Christian Financial or Visa pays as a result of such use. Cardholder agrees that all transactions that are initiated by use of the card Card shall be legal in the jurisdiction where the cardholder lives and/or the transaction occurred. Internet gambling may be illegal in the jurisdiction in which cardholder is located, including the United States. Display of a payment card logo by an on-line merchant does not mean that Internet transactions are legal in the jurisdiction in which cardholder is located. Issuer shall decline to authorize any transaction issuer believes poses an undue risk of illegality or unlawfulness. Card transactions for any Prohibited Activity made by or for the benefit of you shall be considered authorized by you, and you assume all responsibility and liability for all losses, costs and expenses you incur as a result of such use. If we receive actual knowledge that you are processing restricted transactions, the account will be closed. FOREIGN TRANSACTIONS/EXCHANGE: If you effect an international transaction with your Visa Debit Card card in a currency other than U.S. dollars, Visa will convert the charge into U.S. dollars. Visa charges an International Service Assessment (ISA) of one percent (1%) for use of the global payment system. The fee applies to purchases, credit vouchers, cash disbursements and single multi-currency transactions and will be posted as a separate transaction on your account. The fee is not assessed on transactions originating in US territories, and US Bases. Please note that foreign transactions may include transactions originated by you within the U.S., but processed by a merchant in a foreign country.

CONDUCTING TRANSACTIONS. The presentation of your card, and, if required, the entry of your PIN constitutes authorization to the Credit Union to conduct transactions. You agree to follow the instructions posted for use of the ATMs and POS terminals accessible by your card. These instructions will be considered part of the Agreement. You agree not to make transactions that would overdraw any account. If, by mistake, you are permitted to conduct a transaction that you should not have been allowed to make, we may charge the amount involved to an account with available funds, engage Courtesy Pay Overdraft if applicable, or otherwise hold you liable. When a PIN is required, you cannot make transactions without the entry of your correct PIN. Entries of an incorrect PIN may result in your card being retained in an ATM. ILLEGAL TRANSACTIONS PROHIBITED: Your card may not be used to initiate any type of illegal gambling transaction or complete illegal transactions. It is your responsibility to use the card only for valid and lawful purposes. If you use the card for any other purpose or transaction, including without limitation unlawful gambling activities, (herein called a “Prohibited Activity”), you must promptly reimburse Christian Financial Credit Union and Visa International Incorporated for all amounts or expenses either Christian Financial or Visa pays as a result of such use. Cardholder agrees that all transactions that are initiated by use of the card shall be legal in the jurisdiction where the cardholder lives and/or the transaction occurred. Internet gambling may be illegal in the jurisdiction in which cardholder is located, including the United States. Display of a payment card logo by an on-line merchant does not mean that Internet transactions are legal in the jurisdiction in which cardholder is located. Issuer shall decline to authorize any transaction issuer believes poses an undue risk of illegality or unlawfulness. Card transactions for any Prohibited Activity made by or for the benefit of you shall be considered authorized by you, and you assume all responsibility and liability for all losses, costs and expenses you incur as a result of such use. If we receive actual knowledge that you are processing restricted transactions, the account will be closed. FOREIGN TRANSACTIONS/EXCHANGE: If you effect an international transaction with your Visa Debit Card in a currency other than U.S. dollars, Visa will convert the charge into U.S. dollars. Visa charges an International Service Assessment (ISA) of one percent (1%) for use of the global payment system. The fee applies to purchases, credit vouchers, cash disbursements and single multi-currency transactions and will be posted as a separate transaction on your account. The fee is not assessed on transactions originating in US territories, and US Bases. Please note that foreign transactions may include transactions originated by you within the U.S., but processed by a merchant in a foreign country.

CONDUCTING TRANSACTIONS. The presentation of your card, and, if required, the entry of your PIN constitutes authorization to the Credit Union to conduct transactions. You agree to follow the instructions posted for use of the ATMs and POS terminals accessible by your card. These instructions will be considered part of the Agreement. You agree not to make transactions that would overdraw any account. If, by mistake, you are permitted to conduct a transaction that you should not have been allowed to make, we may charge the amount involved to an account with available funds, engage Courtesy Pay Overdraft if applicable, or otherwise hold you liable. When a PIN is required, you cannot make transactions without the entry of your correct PIN. Entries of an incorrect PIN may result in your card being retained in an ATM. ILLEGAL TRANSACTIONS PROHIBITED: Your card may not be used to initiate any type of illegal gambling transaction or complete illegal transactions. It is your responsibility to use the card Card only for valid and lawful purposes. If you use the card Card for any other purpose or transaction, including without limitation unlawful gambling activities, (herein called a “Prohibited Activity”), you must promptly reimburse Christian Financial Credit Union and Visa MasterCard International Incorporated for all amounts or expenses either Christian Financial or Visa MasterCard pays as a result of such use. Cardholder agrees that all transactions that are initiated by use of the card Card shall be legal in the jurisdiction where the cardholder lives and/or the transaction occurred. Internet gambling may be illegal in the jurisdiction in which cardholder is located, including the United States. Display of a payment card logo by an on-line merchant does not mean that Internet transactions are legal in the jurisdiction in which cardholder is located. Issuer shall decline to authorize any transaction issuer believes poses an undue risk of illegality or unlawfulness. Card transactions for any Prohibited Activity made by or for the benefit of you shall be considered authorized by you, and you assume all responsibility and liability for all losses, costs and expenses you incur as a result of such use. If we receive actual knowledge that you are processing restricted transactions, the account will be closed. FOREIGN TRANSACTIONS/EXCHANGE: If you effect an international transaction with your Visa MasterCard Debit Card card in a currency other than U.S. dollars, Visa will convert the charge into U.S. dollars. Visa charges an International Service Assessment (ISA) of one percent (1%) for use of the global payment system. The fee applies to purchases, credit vouchers, cash disbursements and single multi-currency transactions and will be posted as a separate transaction on your account. The fee is not assessed on transactions originating in US territories, and US Bases. Please note that foreign transactions may include transactions originated by you within the U.S., but processed by a merchant in a foreign country.a

CONDUCTING TRANSACTIONS. The presentation of your card, and, if required, the entry of your PIN constitutes authorization to the Credit Union to conduct transactions. You agree to follow the instructions posted for use of the ATMs and POS terminals accessible by your card. These instructions will be considered part of the Agreement. You agree not to make transactions that would overdraw any account. If, by mistake, you are permitted to conduct a transaction that you should not have been allowed to make, we may charge the amount involved to an account with available funds, engage Courtesy Pay Overdraft if applicable, or otherwise hold you liable. When a PIN is required, you cannot make transactions without the entry of your correct PIN. Entries of an incorrect PIN may result in your card being retained in an ATM. ILLEGAL TRANSACTIONS PROHIBITED: Your card may not be used to initiate any type of illegal gambling transaction or complete illegal transactions. It is your responsibility to use the card only for valid and lawful purposes. If you use the card for any other purpose or transaction, including without limitation unlawful gambling activities, (herein called a “Prohibited Activity”), you must promptly reimburse Christian Financial Credit Union and Visa International Incorporated for all amounts or expenses either Christian Financial or Visa pays as a result of such use. Cardholder agrees that all transactions that are initiated by use of the card shall be legal in the jurisdiction where the cardholder lives and/or the transaction occurred. Internet gambling may be illegal in the jurisdiction in which cardholder is located, including the United States. Display of a payment card logo by an on-line merchant does not mean that Internet transactions are legal in the jurisdiction in which cardholder is located. Issuer shall decline to authorize any transaction issuer believes poses an undue risk of illegality or unlawfulness. Card transactions for any Prohibited Activity made by or for the benefit of you shall be considered authorized by you, and you assume all responsibility and liability for all losses, costs and expenses you incur as a result of such use. If we receive actual knowledge that you are processing restricted transactions, the account will be closed. FOREIGN TRANSACTIONS/EXCHANGE: If you effect an international transaction with your Visa Debit Card in a currency other than U.S. dollars, Visa will convert the charge into U.S. dollars. Visa charges an International Service Assessment (ISA) of one percent (1%) for use of the global payment system. The fee applies to purchases, credit vouchers, cash disbursements and single multi-multi- currency transactions and will be posted as a separate transaction on your account. The fee is not assessed on transactions originating in US territories, and US Bases. Please note that foreign transactions may include transactions originated by you within the U.S., but processed by a merchant in a foreign country.