Common use of EFT SERVICES Clause in Contracts

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the credit union. A. VISA CHECK CARD (DEBIT CARD). If approved, you may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state or local law. Funds to cover your card purchases will be deducted from your share draft 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 terminate all services under this agreement. You may use your card and personal identification number (PIN) in ATMs of the credit union, Pulse, PLUS networks, and such other machines or facilities as the credit union may designate. At the present time, you may also use your card to: Withdraw funds from your share and share draft accounts. Transfer funds from your share and share draft accounts. Obtain balance information for your share and share draft accounts. Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. Order goods or services by mail or telephone from places that accept Visa. The following limitations on the frequency and amount of Visa Check Card transactions may apply: For security purposes, there are some limitations on the frequency with which you may use your debit card. Purchase amounts are limited to the amount in your account. You may purchase up to a maximum of $5,000 per day. There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine. You may withdraw up to a maximum of $1,000 in any one day from an ATM machine, if there are sufficient funds in your account. You may purchase up to a maximum of $5,000 from POS terminals per day, if there are sufficient funds in your account. For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. You may transfer up to the available balance in your accounts at the time of the transfer. See Section 2 for transfer limitations that may apply to these transactions. B. AUDIO RESPONSE TELLER. If we approve Audio Response Teller for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Audio Response Teller to: Withdraw funds from your share and share draft accounts. Transfer funds from your share and share draft accounts. Obtain balance information for your share and share draft accounts. Make loan payments from your share and share draft accounts. Access your Line of Credit account. Determine if a particular item has cleared. Verify the last date and amount of your payroll deposit. Your accounts can be accessed under Audio Response Teller via a touch-tone telephone only. Audio Response Teller service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. There is a limit of thirty (30) transactions per month and certain limits on the account history information available. See Section 2 for transfer limitations that may apply to these transactions. See Fee Schedule for costs that may be associated with this service. The credit union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The credit union may set other limits on the amount of any transaction, and you will be notified of those limits. The credit union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.

EFT SERVICES. If approved, you may conduct any one (1) or more of the EFT services offered by the credit unionCredit Union. A. VISA CHECK CARD a. RescueCard (DEBIT CARDATM Card). If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, Maestro and other approved networks, and such other machines or facilities as the Credit Union may designate. For ATM transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. At the present time, you may use your card to: - Withdraw funds from your share and checking accounts. - Transfer funds from your share and checking accounts. - Obtain balance information for your share and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry Maestro and other approved network logo(s). The following limitations on RescueCard (ATM Card) transactions may apply: - There is no limit on the number of cash withdrawals you may make in any one (1) day. - You may withdraw up to a maximum of $500.00 in any one (1) day, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. b. RescuePlus Card (Debit Card). If approved, you may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your card purchases will be deducted from your share draft checking account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the credit unionCredit 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 unionCredit Union. In the event of repeated overdrafts, the credit union Credit Union may terminate all services under this agreementAgreement. You may use your card and personal identification number (PIN) in ATMs of the credit unionCredit Union, Pulse, PLUS Maestro and other approved networks, and such other machines or facilities as the credit union Credit Union may designate. At the present time, you may also use your card to: - Withdraw funds from your share and share draft checking accounts. - Transfer funds from your share and share draft checking accounts. - Obtain balance information for your share and share draft checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept VisaMasterCard. - Order goods or services by mail or telephone from places that accept VisaMasterCard. The following limitations on the frequency and amount of Visa Check RescuePlus Card (Debit Card) transactions may apply: For security purposes, there are some limitations - There is no limit on the frequency with which number of RescuePlus Card (Debit Card) purchases you may use your debit cardmake per day. Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $5,000 5,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $1,000 500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. You - There is no limit on the number of POS transactions you may purchase up to a maximum of $5,000 from POS terminals per make in any one (1) day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. B. AUDIO RESPONSE TELLERc. RescueLine (Phone Banking). If we approve Audio Response Teller RescueLine (Phone Banking) for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Audio Response Teller RescueLine (Phone Banking) to: - Withdraw funds from your share share, checking, loan, certificate, and share draft Xxx Xxxxx accounts. - Transfer funds from your share share, checking, and share draft Xxx Xxxxx accounts. - Obtain balance information for your share share, checking, and share draft Xxx Xxxxx accounts. Make loan payments from your share and share draft accounts. Access your Line of Credit account. - Determine if a particular item has cleared. - Verify the last date and amount of your payroll deposit. Your accounts can be accessed under Audio Response Teller RescueLine (Phone Banking) via a touch-tone telephone only. Audio Response Teller RescueLine (Phone Banking) service will be available for your convenience twenty-four (24) 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on RescueLine (Phone Banking) transactions may apply: - There is a no limit to the number of thirty inquiries, transfers, or withdrawal requests you may make in any one (301) transactions per month and certain limits on the account history information availableday. - See Section 2 for transfer limitations that may apply to these transactions. See Fee Schedule for costs that may be associated with this service. The credit union Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The credit union Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The credit union Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, transaction and there may be limits on the duration of each telephone call.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the credit union. A. VISA CHECK CARD Credit Union. ATM Card. If approved, you may use your card and personal identification number (DEBIT CARD)PIN) in automated teller machines (ATMs) of the Credit Union, CO-OP networks, and such other machines or facilities as the Credit Union may designate. For ATM transactions, you must consent under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. Mastercard Check Card. If approved, you may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your card purchases will be deducted from your share draft account. If the balance in your account is not sufficient to pay the transaction amount, the credit union will pay the amount Savings 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 terminate all services under this agreement. You may use your card and personal identification number (PIN) in ATMs of the credit union, Pulse, PLUS networks, and such other machines or facilities as the credit union may designate. At the present time, you may also use your card to: Withdraw funds from your share and share draft accounts. Transfer funds from your share and share draft accounts. Obtain balance information for your share and share draft accounts. Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. Order goods or services by mail or telephone from places that accept Visa. The following limitations on the frequency and amount of Visa Check Card transactions may apply: For security purposes, there are some limitations on the frequency with which you may use your debit card. Purchase amounts are limited to the amount in your account. You may purchase up to a maximum of $5,000 per day. There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine. You may withdraw up to a maximum of $1,000 in any one day from an ATM machine, if there are sufficient funds in your account. You may purchase up to a maximum of $5,000 from POS terminals per day, if there are sufficient funds in your Checking account. For security purposesone-time debit card transactions, there are other limits on the frequency and amount of transfers available at ATMs. You may transfer up you must consent to the available balance Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your accounts at consent, the time Credit Union may not authorize and pay an overdraft resulting from these types of the transfer. See Section 2 for transfer limitations that may apply to these transactions. B. AUDIO RESPONSE TELLER. If we approve Audio Response Teller for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Audio Response Teller to: Withdraw funds from your share and share draft accounts. Transfer funds from your share and share draft accounts. Obtain balance information for your share and share draft accounts. Make loan payments from your share and share draft accounts. Access your Line of Credit account. Determine if a particular item has cleared. Verify the last date and amount of your payroll deposit. Your accounts can be accessed under Audio Response Teller via a touch-tone telephone only. Audio Response Teller service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. There is a limit of thirty (30) transactions per month and certain limits on the account history information available. See Section 2 for transfer limitations that may apply to these transactions. See Fee Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Rate Addendum, Truth in Savings Disclosures and Schedule for costs that may be associated with this service. The credit union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member of Fees and will be mailed to your address of record. The credit union may set other limits on the amount of any transaction, and you will be notified of those limits. The credit union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone callCharges.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the credit unionGale CU. A. VISA CHECK CARD (DEBIT CARD)a. Visa® debit card. If approved, you You may use your Visa® debit card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide the card number security information before you will be permitted to complete the transaction. You agree that you will not use your Visa® debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your Visa® debit card purchases will be deducted from your share draft checking account. If the balance in your checking account is not sufficient to pay the transaction amount, the credit union will Xxxx CU may pay the amount and treat the transaction as a request to transfer funds from approved Overdraft Protection accounts, or other deposit or loan accounts, approved overdraft protection accounts or loan accounts of which you have ownership rights, that you have established with the credit unionXxxx CU. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service overdraft charges to the credit unionXxxx CU. In the event of repeated overdrafts, the credit union Xxxx CU may terminate all services under this agreementAgreement, including the closing of your debit card and your account. You may use your Visa® debit card and personal identification number (PIN) in PIN at Xxxx CU-owned ATMs of the credit union, Pulse, PLUS networks, and such other machines or facilities as the credit union participating nonproprietary ATMs. You also may designate. At the present time, you may also use your Visa® debit card to: (only if available at the terminal) • Withdraw funds from your share savings and share draft checking accounts. • Transfer funds from your share savings and share draft checking accounts. • Obtain balance information for your share savings and share draft checking accounts. • Make pointPOS (Point-of-sale (POSSale) transactions with your card and personal identification number (PIN) PIN to purchase goods or services at merchants that accept transactions routed through various PIN networks. • Make signature-based transactions routed through Visa®. • Order goods or services by mail mail, Internet or telephone from places that accept Visa®. The following limitations on the frequency and amount of Visa Check Card Visa® debit card transactions may apply: For security purposes, there are some limitations • There is no limit on the frequency with which number of Visa® debit card purchases you may use your debit card. can make per day; however, • Dollar limits per day will be disclosed at card issuance, • Purchase amounts are limited to the amount a total of $500.00 transactions per day, if there are sufficient funds in your account. You may Typically, new member purchase up amounts are limited to a maximum of $5,000 500.00 transactions per day, if there are sufficient funds in your checking account. There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine. • You may withdraw up to a maximum of $1,000 500.00 in any one day from an ATM machine, if there are sufficient funds in your checking account. Typically, new members may withdraw up to a maximum of $500.00 in any one day from an ATM machine, if there are sufficient funds in your account. You may purchase up to a maximum of $5,000 from POS terminals per day, if there are sufficient funds in your account. For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. • You may transfer up to the available balance in your accounts at the time of the transfer. See Section 2 for transfer limitations that may apply to these transactions, if available at a terminal. B. AUDIO RESPONSE TELLER. If we approve Audio Response Teller for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Audio Response Teller to: Withdraw funds from your share and share draft accounts. Transfer funds from your share and share draft accounts. Obtain balance information for your share and share draft accounts. Make loan payments from your share and share draft accounts. Access your Line of Credit account. Determine if a particular item has cleared. Verify the last date and amount of your payroll deposit. Your accounts can be accessed under Audio Response Teller via a touch-tone telephone only. Audio Response Teller service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. There is a limit of thirty (30) transactions per month and certain limits on the account history information available. See Section 2 for transfer limitations that may apply to these transactions. See Fee Schedule for costs that may be associated with this service. The credit union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The credit union may set other limits on the amount of any transaction, and you will be notified of those limits. The credit union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.

EFT SERVICES. If approved, you may conduct any one (1) or more of the EFT services offered by the credit union. A. VISA CHECK CARD (DEBIT CARD)Credit Union. If approved, you  Visa Check Card. You may use your card Card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card Card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your card Card purchases will be deducted from your share draft account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union used to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other type of transactions, if the balance in your account is not sufficient to pay for the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the credit unionCredit 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 unionCredit Union. In the event of repeated overdrafts, the credit union Credit Union may terminate all services under this agreementAgreement. You may use your card Card and personal identification number PIN (PINPersonal Identification Number) in ATMs automated teller machines of the credit unionCredit Union, Pulse, PLUS Cirrus networks, and such other machines or facilities as the credit union Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the VISA, ACCEL/Exchange, STAR, and Cirrus networks. However, provisions of this Agreement relating to VISA transactions do not apply to transactions processed thru non-VISA networks. To initiate a VISA Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a VISA network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card Card to: Withdraw funds from your share and share draft accounts. Transfer funds from your share and share draft accounts. Obtain balance information for your share and share draft accounts. Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. Order goods or services by mail or telephone from places that accept Visa. The following limitations on the frequency and amount of Visa Check Card transactions may apply: For security purposes, there are some limitations on the frequency with which you may use your debit card. Purchase amounts are limited to the amount in your account. You may purchase up to a maximum of $5,000 per day. There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine. You may withdraw up to a maximum of $1,000 in any one day from an ATM machine, if there are sufficient funds in your account. You may purchase up to a maximum of $5,000 from POS terminals per day, if there are sufficient funds in your account. For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. You may transfer up to the available balance in your accounts at the time of the transfer. See Section 2 for transfer limitations that may apply to these transactions. B. AUDIO RESPONSE TELLER. If we approve Audio Response Teller for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Audio Response Teller to: Withdraw funds from your share and share draft accounts. Transfer funds from your share and share draft accounts. Obtain balance information for your share and share draft accounts. Make loan payments from your share and share draft accounts. Access your Line of Credit account. Determine if a particular item has cleared. Verify the last date and amount of your payroll deposit. Your accounts can be accessed under Audio Response Teller via a touch-tone telephone only. Audio Response Teller service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. There is a limit of thirty (30) transactions per month and certain limits on the account history information available. See Section 2 for transfer limitations that may apply to these transactions. See Fee Schedule for costs that may be associated with this service. The credit union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The credit union may set other limits on the amount of any transaction, and you will be notified of those limits. The credit union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.:

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the credit union. A. VISA CHECK CARD (DEBIT CARD)Credit Union. MasterCard Debit Card. If approved, you may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your card purchases will be deducted from your share draft account. If For one-time debt card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Fee Schedule. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan (MasterCard Credit Card) accounts that you have established with the credit unionCredit 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 unionCredit Union. In the event of repeated overdrafts, the credit union Credit Union may terminate all services under this agreementAgreement. You may use your card and personal identification number (PIN) in ATMs of the credit unionCredit Union, PulseSTAR, PLUS PLUS, Money Pass networks, and such other machines or facilities as the credit union Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the VISA or MasterCard Cirrus, CU 24 networks. However, provisions of this Agreement relating to VISA or MasterCard transaction do not apply to transactions processed through non- VISA or MasterCard networks. To initiate a VISA or MasterCard Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a VISA or MasterCard network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: Withdraw funds from your share and share draft accounts. Transfer funds from your share and share draft accounts. Obtain balance information for your share and share draft accounts. Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. Order goods or services by mail or telephone from places that accept Visa. The following limitations on the frequency and amount of Visa Check Card transactions may apply: For security purposes, there are some limitations on the frequency with which you may use your debit card. Purchase amounts are limited to the amount in your account. You may purchase up to a maximum of $5,000 per day. There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine. You may withdraw up to a maximum of $1,000 in any one day from an ATM machine, if there are sufficient funds in your account. You may purchase up to a maximum of $5,000 from POS terminals per day, if there are sufficient funds in your account. For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. You may transfer up to the available balance in your accounts at the time of the transfer. See Section 2 for transfer limitations that may apply to these transactions. B. AUDIO RESPONSE TELLER. If we approve Audio Response Teller for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Audio Response Teller to: Withdraw funds from your share and share draft accounts. Transfer funds from your share and share draft accounts. Obtain balance information for your share and share draft accounts. Make loan payments from your share and share draft accounts. Access your Line of Credit account. Determine if a particular item has cleared. Verify the last date and amount of your payroll deposit. Your accounts can be accessed under Audio Response Teller via a touch-tone telephone only. Audio Response Teller service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. There is a limit of thirty (30) transactions per month and certain limits on the account history information available. See Section 2 for transfer limitations that may apply to these transactions. See Fee Schedule for costs that may be associated with this service. The credit union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The credit union may set other limits on the amount of any transaction, and you will be notified of those limits. The credit union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.:

EFT SERVICES. If approved, you may conduct any one (1) or more of the EFT services offered by the credit unionCredit Union. A. VISA CHECK CARD a. Visa Check Card (DEBIT CARDDebit Card) (with share savings accounts only). If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, Cirrus, Visa, STAR, and Credit Union 24 networks, and such other machines or facilities as the Credit Union may designate. For ATM transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. b. Visa Check Card (Debit Card) (with share savings and share draft checking accounts). If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your card purchases will be deducted from your share draft checking account. If For ATM and one-time debit card transactions, you must consent to the balance Credit Union’s overdraft protection plan in your account is not sufficient to pay order for the transaction amountamount to be covered under the plan. Without your consent, the credit union will Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the amount and treat document the transaction as a request Credit Union uses to transfer funds from other deposit accounts, approved capture the member’s opt-in choice for overdraft protection accounts and the Schedule of Fees and Charges. Card Information Updates and Authorizations. If you have authorized a merchant to bill charges to your card on a recurring basis, it is your responsibility to notify the merchant in the event your card is replaced, your card information (such as card number and expiration date) changes, or loan accounts the account associated with your card is closed. However, if your card is replaced or card information changes, you authorize us, without obligation on our part, to provide the updated card information to the merchant in order to permit the merchant to bill recurring charges to the card. You authorize us to apply such recurring charges to the card until you notify us that you have established with revoked authorization for 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 terminate all services under this agreement. You may use your card and personal identification number (PIN) in ATMs of the credit union, Pulse, PLUS networks, and such other machines or facilities as the credit union may designate. At the present time, you may also use your card to: Withdraw funds from your share and share draft accounts. Transfer funds from your share and share draft accounts. Obtain balance information for your share and share draft accounts. Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. Order goods or services by mail or telephone from places that accept Visa. The following limitations on the frequency and amount of Visa Check Card transactions may apply: For security purposes, there are some limitations on the frequency with which you may use your debit card. Purchase amounts are limited to the amount in your account. You may purchase up to a maximum of $5,000 per day. There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine. You may withdraw up to a maximum of $1,000 in any one day from an ATM machine, if there are sufficient funds in your account. You may purchase up to a maximum of $5,000 from POS terminals per day, if there are sufficient funds in your account. For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. You may transfer up to the available balance in your accounts at the time of the transfer. See Section 2 for transfer limitations that may apply to these transactions. B. AUDIO RESPONSE TELLERc. TellerLine 24 (Audio Response). If we approve TellerLine 24 (Audio Response Teller Response) for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use TellerLine 24 (Audio Response Teller Response) to: Withdraw funds from your share and share draft accounts. Transfer funds from your share and share draft accounts. Obtain balance information for your share and share draft accounts. Make loan payments from your share and share draft accounts. Access your Line of Credit account. Determine if a particular item has cleared. Verify the last date and amount of your payroll deposit. Your accounts can be accessed under Audio Response Teller via a touch-tone telephone only. Audio Response Teller service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. There is a limit of thirty (30) transactions per month and certain limits on the account history information available. See Section 2 for transfer limitations that may apply to these transactions. See Fee Schedule for costs that may be associated with this service. The credit union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The credit union may set other limits on the amount of any transaction, and you will be notified of those limits. The credit union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.: