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. Mastercard Debit Card. You may use your Card to purchase goods and services from participating merchants. 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 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 terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, Cirrus, Maestro, STAR, Co-Op, Mastercard, or Visa terminals, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share and checking accounts but only at machines that accept deposits. • 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. • Conduct Debit Purchase or POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Mastercard. • Conduct Credit Purchase transactions with your Card to purchase goods or services at merchants that accept Mastercard. Some merchants do not require a Signature to be verified for smaller dollar amounts. Some merchants prompt to enter a PIN with your chip card for verification.• Conduct Credit Purchase transactions to order goods or services by mail, telephone, computer or other internet accessible device from merchants that accept Mastercard. Your Card may be used for lawful transactions only. You agree that use of your Card for illegal transactions (including but not limited to Unlawful Internet Gambling) will be deemed a default and/or breach of this Agreement and may result in the termination of this Agreement. If you use your Account for illegal transactions, you waive any right to sue us for any activity directly or indirectly related to such transactions. You also agree to indemnify and hold us harmless from any legal action or liability, directly or indirectly resulting from any illegal transactions. See our Rate Schedule and Fee Schedule for limitations on the frequency and amount of Mastercard Debit Card transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. Mastercard Gift Card. You may use your Card to purchase goods and services from participating merchants. 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. The Card may not be used for recurring payments, non-financial money exchange establishments and gambling establishments. The Card is not a credit card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card. Telephone Banking (Audio Response) You may use your Audio Response PIN along with your account number to access your accounts. At the present time, you may also use the audio response system to: • Change your PIN, check your account balances, transfer funds, make a loan payment, withdraw funds from your accounts, advance a loan or find out if a specific share draft has cleared and more. The following limitations on the frequency and amount of audio response transactions may apply: • Your accounts may only be accessed via a touchtone telephone. • See Section 2 for transfer limitations that may apply to these transactions.

EFT SERVICES. If approved, you may conduct any one anyone (1) or more of the EFT services offered by the Credit Union. Mastercard Debit Check Card. You If approved, you may use your Card Mastercard® 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, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If For ATM and 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 Union. If you initiate a transaction that overdraws your Accountaccount, 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 card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, Cirrus®, Maestro®, STAR, Co-Op, Mastercard, or Visa terminalsPulse, and such MoneyPass networks, andsuch other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to your share and checking accounts but only at machines that accept deposits. • ▪ Withdraw funds from your share savings and checking accounts. • ▪ Transfer funds from your share savings and checking accounts. • ▪ Obtain balance information for your share savings and checking accounts. • Conduct Debit Purchase or POS (Point▪ Make point-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Mastercard. • Conduct Credit Purchase transactions with your Card to purchase ▪ Order goods or services at merchants online or by mail or telephone from places that accept Mastercard. Some merchants do not require a Signature to be verified for smaller dollar amounts. Some merchants prompt to enter a PIN with your chip card for verification.• Conduct Credit Purchase transactions to order goods or services by mail, telephone, computer or other internet accessible device from merchants that accept Mastercard. Your Card may be used for lawful transactions only. You agree that use of your Card for illegal transactions (including but not limited to Unlawful Internet Gambling) will be deemed a default and/or breach of this Agreement and may result in the termination of this Agreement. If you use your Account for illegal transactions, you waive any right to sue us for any activity directly or indirectly related to such transactions. You also agree to indemnify and hold us harmless from any legal action or liability, directly or indirectly resulting from any illegal transactions. See our Rate Schedule and Fee Schedule for limitations on the frequency and amount of Mastercard Debit Card transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. Mastercard Gift Card. You may use your Card to purchase goods and services from participating merchants. 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. The Card may not be used for recurring payments, non-financial money exchange establishments and gambling establishments. The Card is not a credit card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount left on the Card. Purchases will be deducted from your Card until the value reaches zero. If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card. Telephone Banking (Audio Response) You may use your Audio Response PIN along with your account number to access your accounts. At the present time, you may also use the audio response system to: • Change your PIN, check your account balances, transfer funds, make a loan payment, withdraw funds from your accounts, advance a loan or find out if a specific share draft has cleared and more. The following limitations on the frequency and amount of audio response Mastercard Check Card transactions may apply: • Your ▪ Purchase amounts are limited to the amount in your account. ▪ You may purchase up to a maximum of $1,000.00 per day. ▪ You may withdraw up to a maximum of $505.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. ▪ You may purchase up to a maximum of $1,000.00 from POS terminals per day, if there are sufficient funds in your account. ▪ You may transfer up to the available balance in your accounts may only be accessed via a touchtone telephoneat the time of the transfer. • ▪ See Section 2 for transfer limitations that may apply to these transactions.