Common use of Debit Card Clause in Contracts

Debit Card. In connection with your Account, we may (but are not obligated to) issue you a Card that will automatically link to your Account and be funded by your Account. If a Card is made available to you, the Card allows you to access funds deposited to your Account by you or on your behalf pursuant to the terms of this Agreement. The Card is not a credit card, prepaid card or a gift card and may not be gifted, sold or transferred. The expiration date of the Card is listed on the Card. However, the funds in your Account will not expire, regardless of the expiration date listed on your Card. The Card is non transferable, and it may be canceled, repossessed, or revoked at any time without prior notice, subject to applicable law. We have no responsibility for failure of any machine, merchant, financial institution or any other party to honor your Card. We may decline to authorize a transaction for any reason. We are not responsible for any losses you may incur if we do not authorize a transaction. You understand that any person may deny acceptance of or refuse to accept your Card and we are not responsible for such denial or refusal. The funds accessible by the Card are limited to the available funds in your Account. The Card is the property of Bank, and must be surrendered upon demand. Not all services or features of your Card described in this Agreement are available to all persons or at all locations. Any offer of a service or feature of your Card or Account in this Agreement will be deemed void where prohibited. Use of the Card is also subject to all applicable rules and customs of any payment network, clearing house or other association involved in transactions in addition to this Agreement. We reserve the right to limit, at our sole discretion, the provision of any such services under this Agreement to any person or in any location. We can waive or delay enforcement of any of their rights under this Agreement without losing them. A. Card Activation You must activate the Card before it can be used. Activation instructions will be provided with the Card. You must activate the Card and complete the activation process, including setting a PIN, before it may be used. You must maintain your PIN in confidence and not give it to anyone. You should memorize your PIN and not write down your PIN or keep your PIN with your Card. B. Personal Identification Number You will also be required to set Personal Identification Number (“PIN”) during the Card activation process. You should not write or keep your PIN with your Card. Never share your PIN with anyone. If you believe that anyone has gained unauthorized access to your PIN, you should contact us immediately following the procedures in Section 4(C) (“Your Liability for Unauthorized Transfers”) below. C. Using the Card You may use the Card to purchase goods or services everywhere debit provider or secondary network cards are accepted. Once your Card is active, subject to the limitations of this Agreement, you may use your Card, as applicable, to make purchases at any merchant that accepts payment using the Card, as long as you do not exceed the value available in your Account and as no purchase (whether individually or in aggregate) exceeds the transaction Limits. We reserve the right to refuse to make any transfer or process any transaction for security, credit, legal/regulatory, or other reasons, as we determine in our sole discretion. Subject to applicable law, you are responsible for all transactions you authorize using the Card, including any losses, charges, or penalties incurred as a result. You may be charged for your use of the Card at ATMs. There may be Fees associated with some of your Card transactions. The Card is the property of the Bank, and if your Account is closed or your Card privileges are cancelled, you agree to stop using the Card and destroy the Card or return the Card to the Bank, upon its request. Each time you use the Card, you authorize us to reduce the value available in the Account by the amount of the transaction and applicable fees. D. Cash Withdrawals with the Card With the PIN, you may use your Card to withdraw cash from your Account at any ATM or Point- of-Sale device (if cash-back functionality is made available by the merchant) that bears the Visa or Pulse acceptance marks. All ATM transactions are treated as cash withdrawal transactions. When you use a non-MoneyPass, you may be charged a fee by the ATM operator, and you may also be charged a fee for a balance inquiry even if you do not complete a cash withdrawal. Such fee is a third-party fee assessed by the individual ATM operator only and is not assessed by us. The ATM fee will be charged to your Account. You may also withdraw funds at a participating financial institution (“Over the Counter” or “OTC” withdrawals).

Debit Card. i. General Card Information. In connection with your Account, we may (but are not obligated to) issue you a Card debit card to access the Account (the “Card”) that will automatically link to your Account and be funded by your Account. If a Card is made available to you, the Card allows you to access funds deposited to your Account by you or on your behalf pursuant to the terms of this Agreement. The Card is not a credit card, prepaid card or a gift card and may not be gifted, sold or transferred. The expiration date of the Card is listed on the Card. However, the funds in your Account will not expire, regardless of the expiration date listed on your Card. The Card will remain the property of the Bank and must be surrendered upon demand. The Card is non transferablenontransferable, and it may be canceled, repossessed, or revoked at any time without prior notice, subject to applicable law. We have no responsibility for failure of any machine, merchant, financial institution or any other party to honor your Card. We may decline to authorize a transaction for any reason. We are not responsible for any losses you may incur if we do not authorize a transaction. You understand that any person may deny acceptance of or refuse to accept your Card and we are not responsible for such denial or refusal. The funds accessible by the Card are limited to the available funds in your Account. The Card is the property of Bank, and must be surrendered upon demand. Not all services or features of your Card described in this Agreement are available to all persons or at all locations. Any offer of a service or feature of your Card or Account in this Agreement will be deemed void where prohibited. Use of the Card is also subject to all applicable rules and customs of any payment network, clearing house or other association involved in transactions in addition to this Agreement. We reserve the right to limit, at our sole discretion, the provision of any such services under this Agreement to any person or in any location. We can waive or delay enforcement of any of their rights under this Agreement without losing them. A. Card Activation You must activate the Card before it can be used. Activation instructions will be provided with the Card. You must activate the Card and complete the activation process, including setting a PIN, before it may be used. You must maintain your PIN in confidence and not give it to anyone. You should memorize your PIN and not write down your PIN or keep your PIN with your Card. B. Personal Identification Number You will also be required to set Personal Identification Number (“PIN”) during the Card activation process. You should not write or keep your PIN with your Card. Never share your PIN with anyone. If you believe that anyone has gained unauthorized access to your PIN, you should contact us immediately following the procedures in Section 4(C) (“Your Liability for Unauthorized Transfers”) below. C. Using the Card You may use the Card to purchase goods or services everywhere debit provider or secondary network cards are accepted. Once your Card is active, subject to the limitations of this Agreement, you may use your Card, as applicable, to make purchases at any merchant that accepts payment using the Card, as long as you do not exceed the value available in your Account and as no purchase (whether individually or in aggregate) exceeds the transaction Limits. We reserve the right to refuse to make any transfer or process any transaction for security, credit, legal/regulatory, or other reasons, as we determine in our sole discretion. Subject to applicable law, you are responsible for all transactions you authorize using the Card, including any losses, charges, or penalties incurred as a result. You may be charged for your use of the Card at ATMs. There may be Fees associated with some of your Card transactions. The Card is the property of the Bank, and if your Account is closed or your Card privileges are cancelled, you agree to stop using the Card and destroy the Card or return the Card to the Bank, upon its request. Each time you use the Card, you authorize us to reduce the value available in the Account by the amount of the transaction and applicable fees. D. Cash Withdrawals with the Card With the PIN, you may use your Card to withdraw cash from your Account at any ATM or Point- of-Sale device (if cash-back functionality is made available by the merchant) that bears the Visa or Pulse acceptance marks. All ATM transactions are treated as cash withdrawal transactions. When you use a non-MoneyPass, you may be charged a fee by the ATM operator, and you may also be charged a fee for a balance inquiry even if you do not complete a cash withdrawal. Such fee is a third-party fee assessed by the individual ATM operator only and is not assessed by us. The ATM fee will be charged to your Account. You may also withdraw funds at a participating financial institution (“Over the Counter” or “OTC” withdrawals).

Debit Card. In connection with your Account, we may (but are not obligated to) issue you a Card that will automatically link to your Account and be funded by your Account. If a Card is made available to you, the Card allows you to access funds deposited to your Account by you or on your behalf pursuant to the terms of this Agreement. The Card is not a credit card, prepaid card or a gift card and may not be gifted, sold or transferred. The expiration date of the Card is listed on the Card. However, the funds in your Account will not expire, regardless of the expiration date listed on your Card. The Card is non transferable, and it may be canceled, repossessed, or revoked at any time without prior notice, subject to applicable law. We have no responsibility for failure of any machine, merchant, financial institution or any other party to honor your Card. We may decline to authorize a transaction for any reason. We are not responsible for any losses you may incur if we do not authorize a transaction. You understand that any person may deny acceptance of or refuse to accept your Card and we are not responsible for such denial or refusal. The funds accessible by the Card are limited to the available funds in your Account. The Card is the property of Bank, and must be surrendered upon demand. Not all services or features of your Card described in this Agreement are available to all persons or at all locations. Any offer of a service or feature of your Card or Account in this Agreement will be deemed void where prohibited. Use of the Card is also subject to all applicable rules and customs of any payment network, clearing house or other association involved in transactions in addition to this Agreement. We reserve the right to limit, at our sole discretion, the provision of any such services under this Agreement to any person or in any location. We can waive or delay enforcement of any of their rights under this Agreement without losing them. A. Card Activation You must activate the Card before it can be used. Activation instructions will be provided with the Card. You must activate the Card and complete the activation process, including setting a PIN, before it may be used. You must maintain your PIN in confidence and not give it to anyone. You should memorize your PIN and not write down your PIN or keep your PIN with your Card. B. Personal Identification Number You will also be required to set Personal Identification Number (“PIN”) during the Card activation process. You should not write or keep your PIN with your Card. Never share your PIN with anyone. If you believe that anyone has gained unauthorized access to your PIN, you should contact us immediately following the procedures in Section 4(C) (“Your Liability for Unauthorized Transfers”) below. C. Using the Card You may use the Card to purchase goods or services everywhere debit provider or secondary network cards are accepted. Once your Card is active, subject to the limitations of this Agreement, you may use your Card, as applicable, to make purchases at any merchant that accepts payment using the Card, as long as you do not exceed the value available in your Account and as no purchase (whether individually or in aggregate) exceeds the transaction Limits. We reserve the right to refuse to make any transfer or process any transaction for security, credit, legal/regulatory, or other reasons, as we determine in our sole discretion. Subject to applicable law, you are responsible for all transactions you authorize using the Card, including any losses, charges, or penalties incurred as a result. You may be charged for your use of the Card at ATMs. There may be Fees associated with some of your Card transactions. The Card is the property of the Bank, and if your Account is closed or your Card privileges are cancelled, you agree to stop using the Card and destroy the Card or return the Card to the Bank, upon its request. Each time you use the Card, you authorize us to reduce the value available in the Account by the amount of the transaction and applicable fees. D. Cash Withdrawals with the Card With the PIN, you may use your Card to withdraw cash from your Account at any ATM or Point- Point-of-Sale device (if cash-back functionality is made available by the merchant) that bears the Visa or Pulse acceptance marks. All ATM transactions are treated as cash withdrawal transactions. When you use a non-MoneyPass, you may be charged a fee by the ATM operator, and you may also be charged a fee for a balance inquiry even if you do not complete a cash withdrawal. Such fee is a third-party fee assessed by the individual ATM operator only and is not assessed by us. The ATM fee will be charged to your Account. You may also withdraw funds at a participating financial institution (“Over the Counter” or “OTC” withdrawals). E. Authorized Card Transactions You are responsible for all authorized transactions initiated by use of your Card. If you permit another person to have access to your Card, we will treat this as if you have authorized any use of your Card by that person, and you will be liable for all transactions and fees incurred by that person. The Card is solely for your use and you may not request an additional card for another person, and you may not permit anyone else to use your Card or Account, unless approved by us or as set forth in this Agreement. Without limiting the foregoing, if you permit another person to have access to your Card or Account, this will be treated as if you authorized such use and you will be liable for all transactions and fees incurred by those persons. You are wholly responsible for the use of each Card according to the terms of this Agreement.

Debit Card. In connection You can perform the following transactions with your AccountATM and/or Visa® Debit Card (“Card”), we depending on the accounts and services associated with your Card: • Withdraw cash from your checking or savings account; • Make deposits to your checking or savings account; • Transfer funds between your accounts; • Pay for purchases at places that honor the Card; and • Obtain account balance information.* * Balance information may (but not reflect recent transactions, and may include funds that are not obligated to) issue you a Card that will automatically link to your Account and be funded by your Accountavailable for immediate withdrawal. If a Card is made available to you, the Card allows you to access funds deposited to your Account by you or on your behalf pursuant to the terms Some of this Agreement. The Card is not a credit card, prepaid card or a gift card and these services may not be gifted, sold or transferred. The expiration date of the Card is listed on the Card. However, the funds in your Account will not expire, regardless of the expiration date listed on your Card. The Card is non transferableavailable at all terminals, and it may be canceled, repossessed, or revoked at any time without prior notice, all deposits and payments are subject to applicable lawlater verification by us. We If you have no responsibility more than one account with us, some of these services may not be available for failure of any machine, merchant, financial institution each account. Your Card cannot be used to transfer money into or any other party to honor your Card. We may decline to authorize a transaction for any reason. We are not responsible for any losses you may incur if we do not authorize a transaction. You understand that any person may deny acceptance of or refuse to accept your Card and we are not responsible for such denial or refusal. The funds accessible by the Card are limited to the available funds in your Account. The Card is the property of Bank, and must be surrendered upon demand. Not all services or features out of your Card described in this Agreement are available to all persons or at all locations. Any offer of account without a service or feature of your Card or Account in this Agreement will be deemed void where prohibited. Use of the Card is also subject to all applicable rules and customs of any payment network, clearing house or other association involved in transactions in addition to this Agreement. We reserve the right to limit, at our sole discretion, the provision of any such services under this Agreement to any person or in any location. We can waive or delay enforcement of any of their rights under this Agreement without losing them. A. Card Activation You must activate the Card before it can be used. Activation instructions will be provided with the Card. You must activate the Card and complete the activation process, including setting a PIN, before it may be used. You must maintain your PIN in confidence and not give it to anyone. You should memorize your PIN and not write down your PIN or keep your PIN with your Card. B. Personal Identification Number You will also be required to set Personal Identification Number personal identification number (“PIN”) during the at ATMs and most POS terminals. For certain Debit Card activation processtransactions, you may be asked to sign a sales slip or provide identification rather than enter your PIN. You should At some merchants, such as gas stations, you may not write be required to sign your name or keep enter your PIN with for a Debit Card purchase; however, you may be required to enter your Card. Never share your PIN with anyoneZIP code or another identifier. If you believe that anyone has gained unauthorized access decide you do not want to your PIN, you should contact us immediately following the procedures in Section 4(C) (“Your Liability for Unauthorized Transfers”) below. C. Using the Card You may use the Card to purchase goods or services everywhere debit provider or secondary network cards are accepted. Once your Card is active, subject to the limitations of this Agreement, you may use your Card, as applicable, to make purchases destroy it at any merchant that accepts payment using the Card, as long as once by cutting it in half and notify us in writing. Transaction Holds. When you do not exceed the value available in your Account and as no purchase (whether individually or in aggregate) exceeds the transaction Limits. We reserve the right to refuse to make any transfer or process any transaction for security, credit, legal/regulatory, or other reasons, as we determine in our sole discretion. Subject to applicable law, you are responsible for all transactions you authorize using the Card, including any losses, charges, or penalties incurred as a result. You may be charged for your use of the Card at ATMs. There may be Fees associated with some of your Card transactions. The Card is the property of the Bank, and if your Account is closed or your Card privileges are cancelled, you agree to stop using the Card and destroy the Card or return the Card to the Bank, upon its request. Each time you use the Card, you authorize us to reduce the value available in the Account by the amount of the transaction and applicable fees. D. Cash Withdrawals with the Card With the PIN, you may use your Card to withdraw cash from pay for goods or services, certain mer- chants 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 temporary hold on your Account at any ATM or Point- of-Sale device (if cash-back functionality is made available account for the amount indicated by the merchant) . Until the transaction finally settles or we determine that bears it is unlikely to be processed, the Visa or Pulse acceptance marksfunds subject to the hold will not be available to you for other purposes. All We will only charge your account for the final amount of the transaction, however, and we will release any excess amount when the transaction settles. ATM transactions Safety. You agree to exercise discretion when using ATMs. If there are treated as cash withdrawal transactionsany suspicious circumstances, do not use the ATM. When If you use a non-MoneyPassnotice anything suspicious while transacting business at the ATM, you may be charged a fee by cancel the transaction; take your Card and leave. Be careful when using the ATM operatorand be aware of the surroundings, especially at night or in isolated areas. Park near the ATM in a well-lighted area. At night, have someone accompany you when possible. Do not approach a dark ATM. Do not accept assistance from anyone while using the ATM. Don’t display your cash; remove it from the ATM and count it later in the safety of your office or home. Be sure to save your transaction slips. Check them against your statements regularly. Prepare deposits at home to minimize your time at the ATM. Make sure you may also be charged a fee for a balance inquiry even if you safeguard your PIN — do not complete a cash withdrawalwrite it on your Card or carry it in your wallet or purse. Such fee is a third-party fee assessed by Always secure your Card just like you would your cash, checks and credit cards. Report all crimes to the individual ATM operator only and is local law enforcement officials immediately. We do not assessed by us. The ATM fee will be charged to guarantee your Account. You may also withdraw funds at a participating financial institution (“Over safety while using the Counter” or “OTC” withdrawals)ATM.

Debit Card. In connection with You may use your Account, we may (but are not obligated to) issue you a Card that will automatically link card to your Account purchase goods and be funded by your Account. If a Card is made available to you, the Card allows you to access funds deposited to your Account by you or on your behalf pursuant to the terms of this Agreement. The Card is not a credit card, prepaid card or a gift card and may not be gifted, sold or transferred. The expiration date of the Card is listed on the Cardservices from participating merchants. However, you may not use your card to initiate any type of gambling transaction; you may not use your card to initiate any type of electronic gambling transactions through the funds in your Account will not expireInternet. If you wish to pay for goods or services over the Internet, regardless of the expiration date listed on your Card. The Card is non transferable, and it you may be canceled, repossessed, or revoked at any time without prior notice, subject required to applicable law. We have no responsibility for failure of any machine, merchant, financial institution or any other party provide card number security information before you will be permitted to honor your Card. We may decline to authorize a transaction for any reason. We are not responsible for any losses you may incur if we do not authorize a complete the transaction. You understand agree that you will not use your card for any person transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the credit union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the credit union. In the event of repeated overdrafts, the credit union may deny acceptance terminate all services under this agreement. You may use your card and personal identification number (PIN) in ATMs of the credit union, and such other machines or refuse facilities as the credit union may designate. At the present time, you may also use your card to: - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept your MasterCard/VISA. - Order goods or services from places that accept MasterCard/VISA. - There is no limit on the number of ATM/Debit Card and we are not responsible purchases you make per day for such denial or refusalsignature-based transactions. The funds accessible by the Card - Purchase amounts are limited to the available funds amount in your Accountaccount, when done through the MasterCard/VISA network. The Card is - You may withdraw up to 15 times in any one day. POS transactions are included in the property daily limit of Bank15 withdrawals. - You may withdraw up to a designated maximum, and must be surrendered upon demandnot to exceed the available balance in your account, dependent on your credit worthiness, in any one day. Not all services or features of - You may purchase up to a designated maximum, not to exceed the available balance in your Card described account, dependent on your credit worthiness, in this Agreement are any one day. - You may transfer up to the available to all persons or balance in your accounts at all locations. Any offer of a service or feature of your Card or Account in this Agreement will be deemed void where prohibited. Use the time of the Card is also subject transfer. - See Section 2 for transfer limitations that may apply to all applicable rules and customs of any payment network, clearing house or other association involved in transactions in addition to this Agreement. We reserve the right to limit, at our sole discretion, the provision of any such services under this Agreement to any person or in any location. We can waive or delay enforcement of any of their rights under this Agreement without losing themthese transactions. A. Card Activation You must activate the Card before it can be used. Activation instructions will be provided with the Card. You must activate the Card and complete the activation process, including setting a PIN, before it may be used. You must maintain your PIN in confidence and not give it to anyone. You should memorize your PIN and not write down your PIN or keep your PIN with your Card. B. Personal Identification Number You will also be required to set Personal Identification Number (“PIN”) during the Card activation process. You should not write or keep your PIN with your Card. Never share your PIN with anyone. If you believe that anyone has gained unauthorized access to your PIN, you should contact us immediately following the procedures in Section 4(C) (“Your Liability for Unauthorized Transfers”) below. C. Using the Card You may use the Card to purchase goods or services everywhere debit provider or secondary network cards are accepted. Once your Card is active, subject to the limitations of this Agreement, you may use your Card, as applicable, to make purchases at any merchant that accepts payment using the Card, as long as you do not exceed the value available in your Account and as no purchase (whether individually or in aggregate) exceeds the transaction Limits. We reserve the right to refuse to make any transfer or process any transaction for security, credit, legal/regulatory, or other reasons, as we determine in our sole discretion. Subject to applicable law, you are responsible for all transactions you authorize using the Card, including any losses, charges, or penalties incurred as a result. You may be charged for your use of the Card at ATMs. There may be Fees associated with some of your Card transactions. The Card is the property of the Bank, and if your Account is closed or your Card privileges are cancelled, you agree to stop using the Card and destroy the Card or return the Card to the Bank, upon its request. Each time you use the Card, you authorize us to reduce the value available in the Account by the amount of the transaction and applicable fees. D. Cash Withdrawals with the Card With the PIN, you may use your Card to withdraw cash from your Account at any ATM or Point- of-Sale device (if cash-back functionality is made available by the merchant) that bears the Visa or Pulse acceptance marks. All ATM transactions are treated as cash withdrawal transactions. When you use a non-MoneyPass, you may be charged a fee by the ATM operator, and you may also be charged a fee for a balance inquiry even if you do not complete a cash withdrawal. Such fee is a third-party fee assessed by the individual ATM operator only and is not assessed by us. The ATM fee will be charged to your Account. You may also withdraw funds at a participating financial institution (“Over the Counter” or “OTC” withdrawals).