Common use of Limitations on Frequency and Amount Clause in Contracts

Limitations on Frequency and Amount.  For security purposes, there are limits on the frequency and amount of transfers you may make using this Point of Sale service (Money Market and Savings Account transaction limitations apply):  $1,000.00 per day. Fees and Charges:  We do not charge for any POS transactions. ATM/Debit Card/POS Services Types of Transactions/Transfers: You may use the card and PIN issued you to pay for purchases from merchants who have agreed to accept the card at Point of Sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card With a VISA symbol. VISA is a registered trademark of Visa International. You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card, and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the combined ATM/POS/Debit Card Request Form. At present you may use your card to (some of these services may not be available at all ATMs):  Withdraw cash from your checking account.  Withdraw cash from your savings account.  Obtain balance information on your deposit accounts.  We will refund up to $25.00 per monthly statement cycle for ATM surcharges imposed by third parties for accounts opened in Middle Tennessee.

Limitations on Frequency and Amount.  For security purposesYou may make as many ATM withdrawals per day within the total daily cash withdrawal limits established. (Per transaction fees may apply). • To protect your Accounts, there are daily dollar limits for withdrawals, even if your available balance is higher than the daily dollar limit. Subject to available funds in your Account, the Bank has established the following limits: ATM and Debit Card – You have a daily cash withdrawal limit of one thousand dollars ($1,000) and a daily combined point of sale and debit card purchase limit of one thousand five hundred dollars ($1,500) for a daily combined cash and purchase limit of two thousand five hundred dollars ($2,500). • The maximum amount you are able to withdraw from a particular ATM may also be set by the institution which owns the ATM and may be lower than the limits set by Bank. • You may not stop payment on a Card transaction. • Card may be revoked without notice to the frequency cardholder or repossessed by Bank at any time and amount of transfers you may make using must be surrendered upon demand. • Card transactions described in this Point of Sale service (section are included in the limitations described Limits on Savings and Money Market Transfers and Savings Account transaction limitations apply):  $1,000.00 per dayWithdrawals section of this Agreement. Fees and Charges:  We do not charge for any POS transactions. ATM/Debit Card/POS Services Types of Transactions/Transfers: You may use the card and PIN issued you to pay for purchases from merchants • Financial institutions who have agreed to accept the card Cards at Point POS terminals are not required to make available a receipt for small- value transactions of Sale fifteen dollars (POS$15.00) terminals within the networks identified on your card and such other terminals as the or less. Foreign ATM Transaction Fees When you use an ATM not owned by Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card With a VISA symbol. VISA is a registered trademark of Visa International. You may use the automated teller machine (“Foreign ATM) card and personal identification number (PIN) issued to ”), you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card, and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from charged a fee by the combined ATM/POS/Debit Card Request Form. At present ATM operator (and you may use your card to (some of these services be charged a fee for a balance inquiry even if you do not complete a fund transfer). The fees discussed below may be applicable at Foreign ATMs or on ATM transactions not be available at all ATMs):  Withdraw cash from your checking account.  Withdraw cash from your savings account.  Obtain balance information on your deposit accounts.  We will refund up to $25.00 per monthly statement cycle processed through the MoneyPass® ATM system • There is no charge for ATM surcharges imposed by third parties withdrawals when using MoneyPass® ATMs. Please visit xxx.xxxxxxxxx.xxx for accounts opened a list of locations. • Card transactions described in Middle Tennessee.this section are included in the limitations described in Limits on Savings and Money Market Transfers and Withdrawals section of this Agreement. • You are responsible for any Card network fees assessed for transactions conducted outside the U.S.

Limitations on Frequency and Amount.  For security purposes, there There are no limits on the frequency and number or dollar amount of inquiries, transfers or withdrawals you may make using this Point of Sale service (Money Market and Savings Account transaction limitations apply):  $1,000.00 per day. Withdrawal of funds cannot exceed the available balance in your Account. Other Limitations. Transfers from savings accounts and money market accounts are limited. During any statement cycle (or similar period), you may not make more than six withdrawals or transfers to another bank account of yours or to a third party by means of a pre-authorized, automatic transfer, internet banking or telephonic order or instruction, whether initiated by check, draft, debit or ATM card, if applicable, or similar order to a third party. Fees and ChargesCharges for Audio Response Transactions:  • We do not charge for any POS transactionsAudio Response Transactions. ATM/Debit Card/POS Services Types Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your, Card PIN, or Audio Response PIN has been lost or stolen. Telephoning is the best way of Transactions/Transfers: keeping your possible losses down. You could lose all the money in your Account (plus your maximum overdraft line of credit). If you tell us within two (2) business days, you can lose no more than $50.00 if someone used your Card or PIN without your permission. If you do NOT tell us within two (2) business days after you learn of the loss or theft of your Card or PIN, and we can establish that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as $500.00. Also, if your statement shows transfers that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement was mailed to you, you may use not get back any money lost after the card and PIN issued sixty (60) days if we can establish that we could have stopped someone from taking the money if you to pay for purchases had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from merchants who have agreed to accept telling us, we will extend the card at Point of Sale (POS) terminals within the networks identified on time periods. If you believe that your card and such other terminals as the Bank or code has been lost or stolen or that someone has transferred or may designate from time to time. Point of Sale (POS) transactions will be deducted transfer money from your Primary AccountAccount without your permission, call or write to us at the telephone number or address set forth below. Point Special Rule for Debit MasterCard® Purchases: For Debit MasterCard® card purchases, you will generally have no liability for unauthorized purchases. However, if we determine that the unauthorized transactions occurred because of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card With a VISA symbol. VISA is a registered trademark of Visa International. You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of oursgross negligence or fraud, ATMs within the networks identified these special limitations on your card, and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the combined ATM/POS/Debit Card Request Form. At present you may use your card to (some of these services liability may not be available at all ATMs):  Withdraw cash from your checking account.  Withdraw cash from your savings account.  Obtain balance information on your deposit accounts.  We will refund apply, up to $25.00 per monthly statement cycle for ATM surcharges imposed by third parties for accounts opened in Middle Tennessee500.00.

Limitations on Frequency and Amount.  You may withdraw up to a maximum of $200.00 (if there are sufficient funds in your account) per day. • You may purchase up to a maximum of $500.00 (if there are sufficient funds in your account) per day. • For security purposes, there are limits on the frequency and amount of transfers you may make using this at ATMs. Fees and Charges for ATM Transactions: • There is no charge for ATM withdrawals at machines owned by us. • There is a $1.00 charge for each ATM withdrawal at machines we do not own. • There is no charge for ATM deposits at machines owned by us. • $1.00 fee for each transfer at an ATM not owned by us. • ATM inquiries at ATM's not owned by us - there is a $.50 fee per inquiry Point of Sale service (Money Market and Savings Account transaction limitations apply):  $1,000.00 per day. Fees and ChargesTransactions:  We do not charge for any POS transactions. ATM/Debit Card/POS Services Types of Transactions/Transfers: • You may use the card and PIN issued to you to pay for purchases from with merchants who have agreed to accept the card at Point point of Sale sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time. Point Xxxx and Charges for POS Transactions: • We do not charge for any POS transactions. FIRST NATIONAL ATM CARD Brief Description: Automatic Teller Card for use in the world-wide CIRRUS ATM network. Make withdrawals, deposits, balance inquiries, loan payments and transfers 24 hours a day. Types of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card With a VISA symbol. VISA is a registered trademark of Visa International. Transfers: You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card, card and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the combined ATM/POS/Debit Card Request Form. At present you may use your card to (some of these services may not be available at all ATMs):  • Deposit funds to your checking account. • Withdraw cash from your checking account.  • Deposit funds to your savings account. • Withdraw cash from your savings account.  • Transfer funds between your checking and savings accounts. • Obtain balance information on your deposit accounts.  We will refund up to $25.00 per monthly statement cycle for ATM surcharges imposed by third parties for accounts opened in Middle Tennessee• Make loan payments from your deposit accounts.

Limitations on Frequency and Amount.  For security purposes, there are limits on the frequency and amount of transfers you may make using this Point of Sale service (Money Market and Savings Account transaction limitations apply):  service: * $1,000.00 per day. Fees and Charges:  * We do not charge for any POS transactions. ATM/Debit Card/POS Services Types of Transactions/Transfers: You may use the card and PIN issued you to pay for purchases from merchants who have agreed to accept the card at Point of Sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card With a VISA symbol. VISA is a registered trademark of Visa International. You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card, and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the combined ATM/POS/Debit Card Request Form. At present you may use your card to (some of these services may not be available at all ATMs):  * Withdraw cash from your checking account.  * Withdraw cash from your savings account.  * Obtain balance information on your deposit accounts.  * We will refund up to $25.00 per monthly statement cycle for ATM surcharges imposed by third parties for accounts opened in Middle Tennesseeparties.

Limitations on Frequency and Amount.  For security purposes, there are limits There is no limit on the frequency and or amount of transfers you may make using this Point of Sale service (Preauthorized Credits to your Accounts. – Preauthorized Payments are subject to the limitations described in Limits on Savings and Money Market Transfers and Savings Account transaction limitations apply):  $1,000.00 per dayWithdrawals section of this Agreement. Fees and Charges:  We do Special Rules for Preauthorized Payments Bank does not charge for any POS transactionsPreauthorized Payments on consumer Accounts but business Accounts may be charged related transaction fees. ATM/Debit Card/POS Services Types If you have told the Bank in advance to make regular payments or Preauthorized Payments from your Account(s), you can stop any of Transactions/Transfersthese payments. Here’s how: You may use Call or write to Bank at the card telephone number or address set forth in the Important Location and PIN issued Contact Information section of this Agreement, in time for Bank to receive your request three (3) Business Days or more before the Preauthorized Payment is scheduled to be made. If you to pay for purchases from merchants who have agreed to accept the card at Point of Sale (POS) terminals within the networks identified on your card and such other terminals as call, the Bank may designate also require you to put your request in writing and get it to the Bank within fourteen (14) days after you call. Bank may charge you a fee (as described in the applicable Schedule) for each stop payment order you give. If these Preauthorized Payments may vary in amount from time the previous transfer under the same authorization or from the preauthorized amount, the person you are going to timepay should provide you with the amount and date of the transfer at least ten (10) days before the scheduled date of the transfer. Point You may, however, choose instead to get this notice only when the payment would differ by more than a certain amount from the previous payment, or when the amount would fall outside certain limits that you set. If you order Bank to stop one of Sale these Preauthorized Payments three (POS3) transactions Business Days or more before the transfer is scheduled, and the Bank does not do so, it will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card With a VISA symbol. VISA is a registered trademark of Visa International. You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card, and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used liable for your transactions. Your Primary Account number and information may be obtained from the combined ATM/POS/Debit Card Request Form. At present you may use your card to (some of these services may not be available at all ATMs):  Withdraw cash from your checking account.  Withdraw cash from your savings account.  Obtain balance information on your deposit accounts.  We will refund up to $25.00 per monthly statement cycle for ATM surcharges imposed by third parties for accounts opened in Middle Tennesseelosses or damages.

Limitations on Frequency and Amount.  For security purposesYou may make as many ATM withdrawals per day within the total daily cash withdrawal limits established. (Per transaction fees may apply). • To protect your Accounts, there are daily dollar limits for withdrawals, even if your available balance is higher than the daily dollar limit. Subject to available funds in your Account, the Bank has established the following limits: ATM and Debit Card – You have a daily cash withdrawal limit of one thousand dollars ($1,000) and a daily combined point of sale and debit card purchase limit of one thousand five hundred dollars ($1,500) for a daily combined cash and purchase limit of two thousand five hundred dollars ($2,500). • The maximum amount you are able to withdraw from a particular ATM may also be set by the institution which owns the ATM and may be lower than the limits set by Bank. • You may not stop payment on a Card transaction. • Card may be revoked without notice to the frequency cardholder or repossessed by Bank at any time and amount of transfers you may make using must be surrendered upon demand. • Card transactions described in this Point of Sale service (section are included in the limitations described in Limits on Savings and Money Market Transfers and Savings Account transaction limitations apply):  $1,000.00 per dayWithdrawals section of this Agreement. Fees and Charges:  We do not charge for any POS transactions. ATM/Debit Card/POS Services Types of Transactions/Transfers: You may use the card and PIN issued you to pay for purchases from merchants • Financial institutions who have agreed to accept the card Cards at Point POS terminals are not required to make available a receipt for small- value transactions of Sale fifteen dollars (POS$15.00) terminals within the networks identified on your card and such other terminals as the or less. Foreign ATM Transaction Fees When you use an ATM not owned by Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card With a VISA symbol. VISA is a registered trademark of Visa International. You may use the automated teller machine (“Foreign ATM) card and personal identification number (PIN) issued to ”), you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card, and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from charged a fee by the combined ATM/POS/Debit Card Request Form. At present ATM operator (and you may use your card to (some of these services be charged a fee for a balance inquiry even if you do not complete a fund transfer). The fees discussed below may be applicable at Foreign ATMs or on ATM transactions not be available at all ATMs):  Withdraw cash from your checking accountprocessed through the MoneyPass® ATM system.  Withdraw cash from your savings account.  Obtain balance information on your deposit accounts.  We will refund up to $25.00 per monthly statement cycle • There is no charge for ATM surcharges imposed by third parties withdrawals when using MoneyPass® ATMs. Please visit xxx.xxxxxxxxx.xxx for accounts opened a list of locations. • Card transactions described in Middle Tennessee.this section are included in the limitations described in Limits on Savings and Money Market Transfers and Withdrawals section of this Agreement. • You are responsible for any Card network fees assessed for transactions conducted outside the U.S.

Limitations on Frequency and Amount.  For security purposesYou may make as many ATM withdrawals per day within the total daily cash withdrawal limits established. (Per transaction fees may apply). - Deposits to checking or savings Accounts must be made at ATMs owned by us and that accept deposits. - To protect your Accounts, there are daily dollar limits for withdrawals, even if your available balance is higher than the daily dollar limit. Subject to available funds in your Account, we have established the following limits: ATM and Visa® Debit Card– You have a daily cash withdrawal limit of one thousand dollars ($1,000) and a daily combined point of sale and debit card purchase limit of one thousand five hundred dollars ($1,500) for a daily combined cash and purchase limit of two thousand five hundred dollars ($2,500). - The maximum amount you are able to withdraw may also be set by the institution which owns the ATM and may be lower than the limits set by us. - You may not stop payment on an ATM or Visa® debit card transaction. - The Card may be revoked without notice to the frequency cardholder or repossessed by us at any time and amount of transfers you may make using must be surrendered upon demand. - The Card transactions described in this Point of Sale service (section are subject to the limitations described in Limits on Savings and Money Market Transfers and Savings Account transaction limitations apply):  $1,000.00 per dayWithdrawals section of this Agreement. Fees and Charges:  We do not charge for any POS transactions. ATM/Debit Card/POS Services Types of Transactions/Transfers: You may use the card and PIN issued you to pay for purchases from merchants - Financial institutions who have agreed to accept debit cards at POS terminals are not required to make available a receipt for small-value transactions of fifteen dollars ($15.00) or less. Fees and Charges for ATM / POS Transactions ATM Fees: When you use an ATM not owned by us (“Foreign ATM”), you may be charged a fee by the card ATM operator or any network used (and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer). Foreign ATMs for purposes of the surcharge fees discussed below are ATMs not owned by us or ATM transactions not processed through the MoneyPass ATM system. - There is no charge for ATM withdrawals at Point machines owned by us, or when using MoneyPass ATMs. Please visit xxx.xxxxxxxxx.xxx for a list of Sale (POS) terminals within locations. - For Alliance Bank of Arizona Division, Bridge Bank Division, First Independent Bank Division, and Xxxxxx Xxxxx Bank Division customers, the networks identified surcharge on your card and such other terminals as the Bank may designate from time to time. Point of Sale (POS) foreign ATM transactions will be deducted absorbed up to a maximum of $15.00 per Account per month. Any fees exceeding the maximum per month threshold will be passed on to you. - For Bank of Nevada Division customers only, the surcharge for foreign ATM transactions will be passed on to you, if any are charged. - For Alliance Association Bank Division customers only, the surcharge on Foreign ATMs will not be passed on to you, if any are charged. - The Card transactions described in this section are subject to the fees and charges described in Limits on Savings and Money Market Transfers and Withdrawals section of this Agreement. - You are responsible for any Visa International fees for transactions conducted outside the U.S. Business Visa® Debit Cards: A business debit card is an access card issued only to the owner(s) on the business Account or those they have authorized for card access. The cardholder will have access to the business Account via an ATM, POS location or as a Visa® debit card. The funds will be debited directly from your the Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS A business debit card With is not a VISA symbolconsumer product and is not covered under the consumer laws and regulations of the EFTA and is not subject to surcharge fee waivers. VISA is a registered trademark of Visa International. You may use the automated teller machine (ATM) card A separate application and personal identification number (PIN) issued disclosure must be completed and approved prior to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card, and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the combined ATM/POS/Debit Card Request Form. At present you may use your card to (some of these services may not be available at all ATMs):  Withdraw cash from your checking account.  Withdraw cash from your savings account.  Obtain balance information on your deposit accounts.  We will refund up to $25.00 per monthly statement cycle for ATM surcharges imposed by third parties for accounts opened in Middle Tennesseeissuance.

Limitations on Frequency and Amount.  For security purposesYou may make as many ATM withdrawals per day within the total daily cash withdrawal limits established. (Per transaction fees may apply). – To protect your Accounts, there are daily dollar limits for withdrawals, even if your available balance is higher than the daily dollar limit. Subject to available funds in your Account, the Bank has established the following limits: ATM and Debit Card – You have a daily cash withdrawal limit of one thousand dollars ($1,000) and a daily combined point of sale and debit card purchase limit of one thousand five hundred dollars ($1,500) for a daily combined cash and purchase limit of two thousand five hundred dollars ($2,500). – The maximum amount you are able to withdraw from a particular ATM may also be set by the institution which owns the ATM and may be lower than the limits set by Bank. – You may not stop payment on a Card transaction. – Card may be revoked without notice to the frequency cardholder or repossessed by Bank at any time and amount of transfers you may make using must be surrendered upon demand. – Card transactions described in this Point of Sale service (section are included in the limitations described in Limits on Savings and Money Market Transfers and Savings Account transaction limitations apply):  $1,000.00 per dayWithdrawals section of this Agreement. Fees and Charges:  We do not charge for any POS transactions. ATM/Debit Card/POS Services Types of Transactions/Transfers: You may use the card and PIN issued you to pay for purchases from merchants – Financial institutions who have agreed to accept the card Cards at Point POS terminals are not required to make available a receipt for small-value transactions of Sale fifteen dollars (POS$15.00) terminals within the networks identified on your card and such other terminals as the or less. Foreign ATM Transaction Fees When you use an ATM not owned by Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card With a VISA symbol. VISA is a registered trademark of Visa International. You may use the automated teller machine (“Foreign ATM) card and personal identification number (PIN) issued to ”), you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card, and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from charged a fee by the combined ATM/POS/Debit Card Request Form. At present ATM operator (and you may use your card to (some of these services be charged a fee for a balance inquiry even if you do not complete a fund transfer). The fees discussed below may be applicable at Foreign ATMs or on ATM transactions not be available at all ATMs):  Withdraw cash from your checking accountprocessed through the MoneyPass® ATM system.  Withdraw cash from your savings account.  Obtain balance information on your deposit accounts.  We will refund up to $25.00 per monthly statement cycle – There is no charge for ATM surcharges imposed by third parties withdrawals when using MoneyPass® ATMs. Please visit xxx.xxxxxxxxx.xxx for accounts opened a list of locations. – Card transactions described in Middle Tennessee.this section are included in the limitations described in Limits on Savings and Money Market Transfers and Withdrawals section of this Agreement. – You are responsible for any Card network fees assessed for transactions conducted outside the U.S.

Limitations on Frequency and Amount.  For security purposes, there are limits Cancellation notice must be given to Bank prior to preauthorized debit taking place in order to stop payment on the frequency and amount of transfers you may make using this Point of Sale service (Money Market and Savings Account transaction limitations apply):  $1,000.00 per dayitem. If on our first attempt to collect payment is denied for any reason we will send a second request. If the second request is denied the auto debit will cease without further notice. Fees and Charges:  * We do not charge for any POS transactionspreauthorized EFTs. ATM/* We will charge $35.00 for each stop-payment order for preauthorized transfers. Point of Sale/ Debit Card/POS Services Card Services/ ATM Transfers Types of Transactions/Transfers: You may use the card and PIN issued you to pay for purchases from merchants who have agreed to accept the card at Point of Sale (POS) terminals within the networks identified on your card and such other terminals as the Bank may designate from time to time. Point of Sale (POS) transactions will be deducted from your Primary Account. Point of Sale (POS) transactions involving a refund will be credited to your Primary Account. You may also use the card to pay for purchases from merchants that accept the POS debit card With with a VISA symbol. VISA is a registered trademark of Visa International. You may use the automated teller machine (ATM) card and personal identification number (PIN) issued to you to initiate transactions at ATMs of ours, ATMs within the networks identified on your card, card and such other facilities as we may designate from time to time. Unless you specify a different account during Automated Teller Machine (ATM) transactions, your Primary Account will be used for your transactions. Your Primary Account number and information may be obtained from the combined Combined ATM/POS/Debit Card Request Form. At present you may use your card to (some of these services may not be available at all ATMs):  * Withdraw cash from your checking account.  * Withdraw cash from your savings account.  * Transfer funds between your checking and savings accounts. * Obtain balance information on your deposit accounts.  We will refund Limitations on Frequency and Amount: * You may withdraw up to a maximum of $25.00 600.00 (if there are sufficient funds in your account) per monthly statement cycle day. * For security purposes, there are limits on the frequency and amount of transfers you may make using ATMs. * You may purchase up to a maximum of $2500.00 worth of goods and services per day, exclusive of ATM withdrawals. * Business Debit card holders may purchase up to a maximum of $5,000.00 worth of goods and services per day, exclusive of ATM withdrawals. Fees and Charges: * We do not charge for ATM surcharges imposed transactions at the present time. * We do not charge for any POS transactions. ATM Fees. When you use an ATM not owned by third parties us, you may be charged a fee by the ATM operator (and you may be charged a fee for accounts opened in Middle Tennesseea balance inquiry even if you do not complete a fund transfer).