Common use of Limitations on Frequency and Amount Clause in Contracts

Limitations on Frequency and Amount. As long as you have a sufficient Current Balance, you may withdraw up to $750.00 from an ATM and make purchases up to $3,000 in goods and services each day with your VISA debit card. Cash deposits at a Wal-Mart Cashier and other retail locations are limited to $999.99 daily in up to 4 transactions; $3,500 weekly in up to 7 transactions; $5,000 monthly in up to 20 transactions. Fees and Charges for VISA Debit Card transaction: • There is no charge for ATM withdrawals at ATMs owned by us. • There is no charge for VISA debit card purchases. • There is a $2.00 charge for each ATM withdrawal, balance inquiry, or transfer at machines we do not own. This fee is waived if the primary Account on the card is eligible to participate in the MoneyPass network. The debit card will bear a MoneyPass logo on the back and the ATM will have a MoneyPass logo on it. • There is a $2.50 fee for ATM withdrawals, balance inquiries or transfers performed outside the United States. • There is a $0.50 charge for denied transactions at ATMs we do not own. This fee is waived if the primary Account on the card is eligible to participate in the MoneyPass network. The debit card will bear a MoneyPass logo on the back and the ATM will have a MoneyPass logo on it. • There is a $4.95 per transaction fee to make a cash deposit using your debit card at a Wal-Mart cashier or other approved location according to our published list. Foreign Automated Teller Usage Fee Disclosure: If you use your VISA debit card or ATM card at an automated teller machine which is not owned by us (a “foreign ATM”), the operator of the foreign ATM and any national, regional, or local network utilized to affect the transaction may charge you a fee. Mobile Device Transfers: You may use your mobile device to initiate a transaction to transfer through one or more financial applications or apps. You are responsible for all mobile device transfer payments to recipients using recipient information generated by you. Types of Transfers: • Transfer to another person through an app such as Zelle, Cash, Venmo or PayPal. • Transfer to an Account at another financial institution through an app such as Zelle, Venmo or PayPal • Transfer to or from another financial institution through our Armed Forces Bank mobile app or digital banking • Mobile Wallet - The storage and usage of your payment card number (and credentials corresponding to your payment card number) in this mobile wallet remain subject to the terms and conditions of this agreement as amended from time to time. THIRD PARTY SERVICERS: Third Party Servicers are defined as transfers through apps such as Apple Pay, Google Pay, Zelle, Venmo or PayPal. Activating and Using an app of a Third-Party Servicer- By adding or attempting to add your Visa debit card to a Third- Party Servicer, you agree to their terms of use, as they may be modified from time to time. Applicable Fees – We do not charge you any fees for adding your Visa debit card to your Third-Party Servicer. Any applicable fees, or other charges associated with your Visa debit card are disclosed in this Deposit Account Agreement. Your Security Responsibility- You agree to protect and keep confidential your Third-Party User ID, passwords and all other information required to use the Third-Party Servicer. We will not be liable for any losses you incur except as specifically described in the Deposit Account Agreement or as otherwise provided by law. Billing Errors: Identity Theft – You are responsible for identifying and notifying the Third-Party Servicer of any billing errors that occur as the result of your use of your Visa debit card through a Third-Party Servicer. Refer to the account terms of use for further information on reporting billing errors and procedures. Governing Law and Disputes – Third Party Servicers are governed by federal law and, to the extent that state law applies, the laws of the state of Kansas regardless of where you may reside or use the Third-Party Servicer at any time. Disputes arising out of or relating to the Third-Party Servicer’s terms of use are subject to the dispute resolution provisions in, as applicable, in the Deposit Account Agreement. Our Commitment to Your Privacy – Our Privacy Notice is outlined in the Deposit Account Agreement. We are not responsible for any loss, injury, or other harm you suffer in connection with the Third-Party Servicer’s use of your information. VISA International Service Assessment VISA charges a fee for any international transaction completed with the use of a VISA branded card. These fees are passed directly to you by their inclusion in the transaction amount deducted from your Account. The amount of the fee is determined by whether or not there is a currency conversion. The fee is 1% for transactions involving a single currency or multiple currencies. VISA defines an international transaction as a transaction where the financial institution that issued the card is in a different country from the merchant that is accepting the card. This means that an Internet transaction could qualify as an international transaction. Types of Pre-authorized Transfers: You may arrange for us to complete the following pre-authorized transfers to your deposit Accounts. • Accept direct deposits from your employer, U.S. Treasury Department or other financial institutions to your checking or savings Account. • Pay certain recurring bills from your checking or savings Account. • Other types of funds transfers - You authorize us to process electronic check conversions, electronic payment or returned checks and charges, and other Automated Clearing House transactions authorized by you and initiated by third parties.

Limitations on Frequency and Amount. As long as you have a sufficient Current Balance, you may withdraw up to $750.00 from an ATM and make purchases up to $3,000 in goods and services each day with using your VISA debit card. Cash deposits at a Wal-Mart Cashier and other retail locations are limited to $999.99 daily in up to 4 transactions; $3,500 weekly in up to 7 transactions; $5,000 monthly in up to 20 transactions. Fees and Charges for VISA Debit Card transaction: • There is no charge for ATM withdrawals at ATMs owned by us. • There is no charge for VISA debit card purchases. • There is a $2.00 2.50 charge for each ATM withdrawal, balance inquiry, or transfer at machines we do not own. This fee is waived if the primary Account on the card is eligible to participate in the MoneyPass network. The debit card will bear a MoneyPass logo on the back and the ATM will have a MoneyPass logo on it. • There is a $2.50 fee for ATM withdrawals, balance inquiries or transfers performed outside the United States. • There is a $0.50 charge for denied transactions at ATMs we do not own. This fee is waived if the primary Account on the card is eligible to participate in the MoneyPass network. The debit card will bear a MoneyPass logo on the back and the ATM will have a MoneyPass logo on it. • There is a $15.00 fee to replace a Visa Debit Card. • There is a $4.95 per transaction fee to make a cash deposit using your debit card at a Wal-Mart cashier or other approved location according to our published list. Foreign Automated Teller Usage Fee Disclosure: If you use your VISA debit card or ATM card at an automated teller machine which is not owned by us (a “foreign ATM”), the operator of the foreign ATM and any national, regional, or local network utilized to affect the transaction may charge you a fee. Mobile Device Transfers: You may use your mobile device to initiate a transaction to transfer through one or more financial applications or apps. You are responsible for all mobile device transfer payments to recipients using recipient information generated by you. Types of Transfers: • Transfer to another person through an app such as Zelle, Cash, Venmo or PayPal. • Transfer to an Account at another financial institution through an app such as Zelle, Venmo or PayPal • Transfer to or from another financial institution through our Armed Forces Academy Bank mobile app or digital banking • Mobile Wallet - – The storage and usage of your payment card number (and credentials corresponding to your payment card number) in this mobile wallet remain subject to the terms and conditions of this agreement agreement, as amended from time to time. THIRD PARTY SERVICERS: Third Party Servicers are defined as transfers through apps such as Apple Pay, Google Pay, Zelle, Venmo or PayPal. Activating and Using an app of a Third-Party Servicer- By adding or attempting to add your Visa debit card to a Third- Party Servicer, you agree to their terms of use, as they may be modified from time to time. Applicable Fees – We do will not charge you any fees for adding your Visa debit card to your a Third-Party Servicer. Any applicable fees, fees or other charges associated with your Visa debit card are disclosed in this Deposit Account Agreement. Your Security Responsibility- You agree to protect and keep confidential your Third-Party User ID, passwords passwords, and all other information required to use the Third-Party Servicer. We will not be liable for any losses you incur except as specifically described in the Deposit Account Agreement or as otherwise provided by law. Billing Errors: Identity Theft – You are responsible for identifying and notifying the Third-Party Servicer of any billing errors that occur as the result of your use of your Visa debit card through a Third-Party Servicer. Refer to the account terms of use for further information on reporting billing errors and procedures. Governing Law and Disputes – Third Party Servicers are governed by federal law and, to the extent that state law applies, the laws of the applicable state of Kansas regardless of where you may reside or use the Third-Party Servicer at any time. Disputes arising out of or relating to the Third-Party Servicer’s terms of use are subject to the dispute resolution provisions in, as applicable, in the Deposit Account this Agreement. Our Commitment to Your Privacy – Our Privacy Notice is outlined in the Deposit Account this Agreement. We are not responsible for any loss, injury, or other harm you suffer in connection with the Third-Party Servicer’s use of your information. VISA International Service Assessment VISA charges a fee for any international transaction completed with the use of a VISA branded card. These fees are passed directly to you by their inclusion in the transaction amount deducted from your Account. The amount of the fee is determined by whether or not there is a currency conversion. The fee is 1% for transactions involving a single currency or multiple currencies. VISA defines an international transaction as a transaction where the financial institution that issued the card is in a different country from the merchant that is accepting the card. This means that an Internet transaction could qualify as an international transaction. Types of Pre-authorized Transfers: You may arrange for us to complete the following pre-authorized transfers to your deposit Accounts. • Accept direct deposits from your employer, U.S. Treasury Department Department, or other financial institutions to your checking or savings Account. • Pay certain recurring bills from your checking or savings Account. • Other types of funds transfers - – You authorize us to process electronic check conversions, electronic payment or returned checks and charges, and other Automated Clearing House transactions authorized by you and initiated by third parties.

Limitations on Frequency and Amount. As long as you have a sufficient Current Balance, you may withdraw up to $750.00 from an ATM and make purchases up to $3,000 in goods and services each day with using your VISA debit card. Cash deposits at a Wal-Mart Cashier and other retail locations are limited to $999.99 daily in up to 4 transactions; $3,500 weekly in up to 7 transactions; $5,000 monthly in up to 20 transactions. Fees and Charges for VISA Debit Card transaction: • There is no charge for ATM withdrawals at ATMs owned by us. • There is no charge for VISA debit card purchases. • There is a $2.00 2.50 charge for each ATM withdrawal, balance inquiry, or transfer at machines we do not own. This fee is waived if the primary Account on the card is eligible to participate in the MoneyPass network. The debit card will bear a MoneyPass logo on the back and the ATM will have a MoneyPass logo on it. • There is a $2.50 fee for ATM withdrawals, balance inquiries or transfers performed outside the United States. • There is a $0.50 charge for denied transactions at ATMs we do not own. This fee is waived if the primary Account on the card is eligible to participate in the MoneyPass network. The debit card will bear a MoneyPass logo on the back and the ATM will have a MoneyPass logo on it. • There is a $15.00 fee to replace a Visa Debit Card. • There is a $4.95 per transaction fee to make a cash deposit using your debit card at a Wal-Mart cashier or other approved location according to our published list. Foreign Automated Teller Usage Fee Disclosure: If you use your VISA debit card or ATM card at an automated teller machine which is not owned by us (a “foreign ATM”), the operator of the foreign ATM and any national, regional, or local network utilized to affect the transaction may charge you a fee. Mobile Device Transfers: You may use your mobile device to initiate a transaction to transfer through one or more financial applications or apps. You are responsible for all mobile device transfer payments to recipients using recipient information generated by you. Types of Transfers: • Transfer to another person through an app such as Zelle, Cash, Venmo or PayPal. • Transfer to an Account at another financial institution through an app such as Zelle, Venmo or PayPal • Transfer to or from another financial institution through our Armed Forces Academy Bank mobile app or digital banking • Mobile Wallet - – The storage and usage of your payment card number (and credentials corresponding to your payment card number) in this mobile wallet remain are subject to the terms and conditions of this the applicable cardholder agreement with your payment card issuer, as amended in effect from time to time. THIRD PARTY SERVICERS: Third Party Servicers are defined as transfers through apps such as Apple Pay, Google Pay, Zelle, Venmo or PayPal. Activating and Using an app of a Third-Party Servicer- By adding or attempting to add your Visa debit card to a Third- Party Servicer, you agree to their terms of use, as they may be modified from time to time. Applicable Fees – We do will not charge you any fees for adding your Visa debit card to your a Third-Party Servicer. Any applicable fees, fees or other charges associated with your Visa debit card are disclosed in this Deposit Account Agreement. Your Security Responsibility- You agree to protect and keep confidential your Third-Party User ID, passwords passwords, and all other information required to use the Third-Party Servicer. We will not be liable for any losses you incur except as specifically described in the Deposit Account Agreement or as otherwise provided by law. Billing Errors: Identity Theft – You are responsible for identifying and notifying the Third-Party Servicer of any billing errors that occur as the result of your use of your Visa debit card through a Third-Party Servicer. Refer to the account terms of use for further information on reporting billing errors and procedures. Governing Law and Disputes – Third Party Servicers are governed by federal law and, to the extent that state law applies, the laws of the applicable state of Kansas regardless of where you may reside or use the Third-Party Servicer at any time. Disputes arising out of or relating to the Third-Party Servicer’s terms of use are subject to the dispute resolution provisions in, as applicable, in the Deposit Account this Agreement. Our Commitment to Your Privacy – Our Privacy Notice is outlined in the Deposit Account inhis Agreement. We are not responsible for any loss, injury, or other harm you suffer in connection with the Third-Party Servicer’s use of your information. VISA International Service Assessment VISA charges a fee for any international transaction completed with the use of a VISA branded card. These fees are passed directly to you by their inclusion in the transaction amount deducted from your Account. The amount of the fee is determined by whether or not there is a currency conversion. The fee is 1% for transactions involving a single currency or multiple currencies. VISA defines an international transaction as a transaction where the financial institution that issued the card is in a different country from the merchant that is accepting the card. This means that an Internet transaction could qualify as an international transaction. Types of Pre-authorized Transfers: You may arrange for us to complete the following pre-authorized transfers to your deposit Accounts. • Accept direct deposits from your employer, U.S. Treasury Department Department, or other financial institutions to your checking or savings Account. • Pay certain recurring bills from your checking or savings Account. • Other types of funds transfers - – You authorize us to process electronic check conversions, electronic payment or returned checks and charges, and other Automated Clearing House transactions authorized by you and initiated by third parties.

Limitations on Frequency and Amount. As long as you have a sufficient Current Balance, you may withdraw up to $750.00 from an ATM and make purchases up to $3,000 in goods and services each day with your VISA debit card. Cash deposits at a Wal-Mart Cashier and other retail locations WalMart are limited to $999.99 daily in up to 4 transactions; $3,500 weekly in up to 7 transactions; $5,000 monthly in up to 20 transactions. Fees and Charges for VISA Debit Card transaction: • There is no charge for ATM withdrawals at ATMs owned by us. • There is no charge for VISA debit card purchases. • There is a $2.00 2.50 charge for each ATM withdrawal, balance inquiry, or transfer at machines we do not own. This fee is waived if the primary Account on the card is eligible to participate in the MoneyPass network. The debit card will bear a MoneyPass logo on the back and the ATM will have a MoneyPass logo on it. • There is a $2.50 fee for ATM withdrawals, balance inquiries or transfers performed outside the United States. • There is a $0.50 charge for denied transactions at ATMs we do not own. This fee is waived if the primary Account on the card is eligible to participate in the MoneyPass network. The debit card will bear a MoneyPass logo on the back and the ATM will have a MoneyPass logo on it. • There is a $4.95 per transaction 15.00 fee to replace a Visa Debit Card. • There is no fee to make a cash deposit using your debit card at a Wal-Mart cashier or other approved location according to our published listWalMart cashier. Foreign Automated Teller Usage Fee Disclosure: If you use your VISA debit card or ATM card at an automated teller machine which is not owned by us (a “foreign ATM”), the operator of the foreign ATM and any national, regional, or local network utilized to affect effect the transaction may charge you a fee. Mobile Device Transfers: You may use your mobile device to initiate a transaction to transfer through one or more financial applications or apps. You are responsible for all mobile device transfer payments to recipients using recipient information generated by you. Types of Transfers: • Transfer to another person through an app such as Zelle, Cash, Venmo or PayPal. ; • Transfer to an Account at another financial institution through an app such as Zelle, Venmo or PayPal Paypal • Transfer to or from another financial institution through our Armed Forces Academy Bank mobile app or digital banking • Mobile Wallet - The storage and usage of your payment card number (and credentials corresponding to your payment card number) in this mobile wallet remain are subject to the terms and conditions of this the applicable cardholder agreement with your payment card issuer, as amended in effect from time to time. Please contact your payment card issuer for more information. • THIRD PARTY SERVICERS: • Third Party Servicers are defined as transfers through apps such as Apple Pay, Google Pay, Zelle, Venmo or PayPal. • Activating and Using an app of a Third-Third Party Servicer- By adding or attempting to add your Visa debit card to a Third- Third Party Servicer, you agree to their terms of use, as they may be modified from time to time. Applicable Fees – We do not charge you any fees for adding your Visa debit card to your Third-Party Servicer. Any applicable fees, or other charges associated with your Visa debit card are disclosed in this Deposit Account Agreement. Your Security Responsibility- You agree to protect and keep confidential your Third-Party User ID, passwords and all other information required to use the Third-Party Servicer. We will not be liable for any losses you incur except as specifically described in the Deposit Account Agreement or as otherwise provided by law. Billing Errors: Identity Theft – You are responsible for identifying and notifying the Third-Party Servicer of any billing errors that occur as the result of your use of your Visa debit card through a Third-Party Servicer. Refer to the account terms of use for further information on reporting billing errors and procedures. Governing Law and Disputes – Third Party Servicers are governed by federal law and, to the extent that state law applies, the laws of the state of Kansas regardless of where you may reside or use the Third-Party Servicer at any time. Disputes arising out of or relating to the Third-Party Servicer’s terms of use are subject to the dispute resolution provisions in, as applicable, in the Deposit Account Agreement. Our Commitment to Your Privacy – Our Privacy Notice is outlined in the Deposit Account Agreement. We are not responsible for any loss, injury, or other harm you suffer in connection with the Third-Party Servicer’s use of your information. VISA International Service Assessment VISA charges a fee for any international transaction completed with the use of a VISA branded card. These fees are passed directly to you by their inclusion in the transaction amount deducted from your Account. The amount of the fee is determined by whether or not there is a currency conversion. The fee is 1% for transactions involving a single currency or multiple currencies. VISA defines an international transaction as a transaction where the financial institution that issued the card is in a different country from the merchant that is accepting the card. This means that an Internet transaction could qualify as an international transaction. Types of Pre-authorized Transfers: You may arrange for us to complete the following pre-authorized transfers to your deposit Accounts. • Accept direct deposits from your employer, U.S. Treasury Department or other financial institutions to your checking or savings Account. • Pay certain recurring bills from your checking or savings Account. • Other types of funds transfers - You authorize us to process electronic check conversions, electronic payment or returned checks and charges, and other Automated Clearing House transactions authorized by you and initiated by third parties.

Limitations on Frequency and Amount. As long as you have a sufficient Current Balance, you may withdraw up to $750.00 from an ATM and make purchases up to $3,000 in goods and services each day with your VISA debit card. Cash deposits at a Wal-Mart Cashier and other retail locations are limited to $999.99 daily in up to 4 transactions; $3,500 weekly in up to 7 transactions; $5,000 monthly in up to 20 transactions. Fees and Charges for VISA Debit Card transaction: •  There is no charge for ATM withdrawals at ATMs owned by us. •  There is no charge for VISA debit card purchases. •  There is a $2.00 2.50 charge for each ATM withdrawal, balance inquiry, or transfer at machines we do not own. This fee is waived if the primary Account on the card is eligible to participate in the MoneyPass network. The debit card will bear a MoneyPass logo on the back and the ATM will have a MoneyPass logo on it. •  There is a $2.50 fee for ATM withdrawals, balance inquiries or transfers performed outside the United States. •  There is a $0.50 charge for denied transactions at ATMs we do not own. This fee is waived if the primary Account on the card is eligible to participate in the MoneyPass network. The debit card will bear a MoneyPass logo on the back and the ATM will have a MoneyPass logo on it. •  There is a $15.00 fee to replace a Visa Debit Card.  There is a $4.95 per transaction fee to make a cash deposit using your debit card at a Wal-Mart cashier or other approved location according to our published list. Foreign Automated Teller Usage Fee Disclosure: If you use your VISA debit card or ATM card at an automated teller machine which is not owned by us (a “foreign ATM”), the operator of the foreign ATM and any national, regional, or local network utilized to affect the transaction may charge you a fee. Mobile Device Transfers: You may use your mobile device to initiate a transaction to transfer through one or more financial applications or apps. You are responsible for all mobile device transfer payments to recipients using recipient information generated by you. Types of Transfers: •  Transfer to another person through an app such as Zelle, Cash, Venmo or PayPal. •  Transfer to an Account at another financial institution through an app such as Zelle, Venmo or PayPal •  Transfer to or from another financial institution through our Armed Forces Academy Bank mobile app or digital banking •  Mobile Wallet - The storage and usage of your payment card number (and credentials corresponding to your payment card number) in this mobile wallet remain are subject to the terms and conditions of this the applicable cardholder agreement with your payment card issuer, as amended in effect from time to time. THIRD PARTY SERVICERS: Third Party Servicers are defined as transfers through apps such as Apple Pay, Google Pay, Zelle, Venmo or PayPal. Activating and Using an app of a Third-Party Servicer- By adding or attempting to add your Visa debit card to a Third- Party Servicer, you agree to their terms of use, as they may be modified from time to time. Applicable Fees – We do not charge you any fees for adding your Visa debit card to your Third-Party Servicer. Any applicable fees, or other charges associated with your Visa debit card are disclosed in this Deposit Account Agreement. Your Security Responsibility- You agree to protect and keep confidential your Third-Party User ID, passwords and all other information required to use the Third-Party Servicer. We will not be liable for any losses you incur except as specifically described in the Deposit Account Agreement or as otherwise provided by law. Billing Errors: Identity Theft – You are responsible for identifying and notifying the Third-Party Servicer of any billing errors that occur as the result of your use of your Visa debit card through a Third-Party Servicer. Refer to the account terms of use for further information on reporting billing errors and procedures. Governing Law and Disputes – Third Party Servicers are governed by federal law and, to the extent that state law applies, the laws of the state of Kansas regardless of where you may reside or use the Third-Party Servicer at any time. Disputes arising out of or relating to the Third-Party Servicer’s terms of use are subject to the dispute resolution provisions in, as applicable, in the Deposit Account Agreement. Our Commitment to Your Privacy – Our Privacy Notice is outlined in the Deposit Account Agreement. We are not responsible for any loss, injury, or other harm you suffer in connection with the Third-Party Servicer’s use of your information. VISA International Service Assessment VISA charges a fee for any international transaction completed with the use of a VISA branded card. These fees are passed directly to you by their inclusion in the transaction amount deducted from your Account. The amount of the fee is determined by whether or not there is a currency conversion. The fee is 1% for transactions involving a single currency or multiple currencies. VISA defines an international transaction as a transaction where the financial institution that issued the card is in a different country from the merchant that is accepting the card. This means that an Internet transaction could qualify as an international transaction. Types of Pre-authorized Transfers: You may arrange for us to complete the following pre-authorized transfers to your deposit Accounts. •  Accept direct deposits from your employer, U.S. Treasury Department or other financial institutions to your checking or savings Account. •  Pay certain recurring bills from your checking or savings Account. •  Other types of funds transfers - You authorize us to process electronic check conversions, electronic payment or returned checks and charges, and other Automated Clearing House transactions authorized by you and initiated by third parties. Electronic check conversion:  You may authorize a merchant to make a one-time electronic payment from your checking Account using information from your check to pay for purchases or pay bills. Fees and Charges:  We do not charge for any pre-authorized EFTs.  We will charge $35.00 for each stop-payment order, $25 if you initiate the stop payment order through Digital Banking. In addition to the limitations set forth above, the following limitations may be applicable to your Accounts: Liability for Unauthorized Transfers. Tell us AT ONCE if you believe your ATM or VISA debit card, PIN or Access Device has been lost or stolen or if you believe that an EFT (Electronic Funds Transfer) has been made without your consent. If you tell us within two (2) business days after you learn of a loss or theft of your card, Access Device or PIN, you can lose a maximum of $50.00 if someone uses your card and/or code 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 code, and we can prove that we could have stopped someone from using your card or code without your consent if you had told us, you could lose as much as $500.00. VISA rules limit your liability if you report a lost or stolen VISA debit card immediately. Also, if your statement shows any transfer that you did not make, tell us at once. If you do not tell us within sixty (60) days after the statement is made available to you, you may not get back any money you lost after the sixty (60) days if we can prove that we could have stopped someone from making the unauthorized transfers if you had told us in time. If you believe that your card or PIN has been lost or stolen or that someone has transferred or may transfer money from your Account without your permission, call 0.000.000.0000 or write to us at: Card Management Dept., P.O. Box 26365, Kansas City, MO 64196. If a good reason (such as a hospital stay) kept you from telling us, we will extend the time periods.

Limitations on Frequency and Amount. As long as you have a sufficient Current Balance, you may withdraw up to $750.00 from an ATM and make purchases up to $3,000 in goods and services each day with using your VISA debit card. Cash deposits at a Wal-Mart Cashier and other retail locations are limited to $999.99 daily in up to 4 transactions; $3,500 weekly in up to 7 transactions; $5,000 monthly in up to 20 transactions. Fees and Charges for VISA Debit Card transaction: • There is no charge for ATM withdrawals at ATMs owned by us. • There is no charge for VISA debit card purchases. • There is a $2.00 2.50 charge for each ATM withdrawal, balance inquiry, or transfer at machines we do not own. This fee is waived if the primary Account on the card is eligible to participate in the MoneyPass network. The debit card will bear a MoneyPass logo on the back and the ATM will have a MoneyPass logo on it. • There is a $2.50 fee for ATM withdrawals, balance inquiries or transfers performed outside the United States. • There is a $0.50 charge for denied transactions at ATMs we do not own. This fee is waived if the primary Account on the card is eligible to participate in the MoneyPass network. The debit card will bear a MoneyPass logo on the back and the ATM will have a MoneyPass logo on it. • There is a $15.00 fee to replace a Visa Debit Card. • There is a $4.95 per transaction fee to make a cash deposit using your debit card at a Wal-Mart cashier or other approved location according to our published list. Foreign Automated Teller Usage Fee Disclosure: If you use your VISA debit card or ATM card at an automated teller machine which is not owned by us (a “foreign ATM”), the operator of the foreign ATM and any national, regional, or local network utilized to affect the transaction may charge you a fee. Mobile Device Transfers: You may use your mobile device to initiate a transaction to transfer through one or more financial applications or apps. You are responsible for all mobile device transfer payments to recipients using recipient information generated by you. Types of Transfers: • Transfer to another person through an app such as Zelle, Cash, Venmo or PayPal. • Transfer to an Account at another financial institution through an app such as Zelle, Venmo or PayPal • Transfer to or from another financial institution through our Armed Forces Academy Bank mobile app or digital banking • Mobile Wallet - – The storage and usage of your payment card number (and credentials corresponding to your payment card number) in this mobile wallet remain subject to the terms and conditions of this agreement agreement, as amended from time to time. THIRD PARTY SERVICERS: Third Party Servicers are defined as transfers through apps such as Apple Pay, Google Pay, Zelle, Venmo or PayPal. Activating and Using an app of a Third-Party Servicer- By adding or attempting to add your Visa debit card to a Third- Party Servicer, you agree to their terms of use, as they may be modified from time to time. Applicable Fees – We do will not charge you any fees for adding your Visa debit card to your a Third-Party Servicer. Any applicable fees, fees or other charges associated with your Visa debit card are disclosed in this Deposit Account Agreement. Your Security Responsibility- You agree to protect and keep confidential your Third-Party User ID, passwords passwords, and all other information required to use the Third-Party Servicer. We will not be liable for any losses you incur except as specifically described in the Deposit Account Agreement or as otherwise provided by law. Billing Errors: Identity Theft – You are responsible for identifying and notifying the Third-Party Servicer of any billing errors that occur as the result of your use of your Visa debit card through a Third-Party Servicer. Refer to the account terms of use for further information on reporting billing errors and procedures. Governing Law and Disputes – Third Party Servicers are governed by federal law and, to the extent that state law applies, the laws of the applicable state of Kansas regardless of where you may reside or use the Third-Party Servicer at any time. Disputes arising out of or relating to the Third-Party Servicer’s terms of use are subject to the dispute resolution provisions in, as applicable, in the Deposit Account this Agreement. Our Commitment to Your Privacy – Our Privacy Notice is outlined in the Deposit Account this Agreement. We are not responsible for any loss, injury, or other harm you suffer in connection with the Third-Party Servicer’s use of your information. VISA International Service Assessment VISA charges a fee for any international transaction completed with the use of a VISA branded card. These fees are passed directly to you by their inclusion in the transaction amount deducted from your Account. The amount of the fee is determined by whether or not there is a currency conversion. The fee is 1% for transactions involving a single currency or multiple currencies. VISA defines an international transaction as a transaction where the financial institution that issued the card is in a different country from the merchant that is accepting the card. This means that an Internet transaction could qualify as an international transaction. Types of Pre-authorized Transfers: You may arrange for us to complete the following pre-authorized transfers to your deposit Accounts. • Accept direct deposits from your employer, U.S. Treasury Department Department, or other financial institutions to your checking or savings Account. • Pay certain recurring bills from your checking or savings Account. • Other types of funds transfers - – You authorize us to process electronic check conversions, electronic payment or returned checks and charges, and other Automated Clearing House transactions authorized by you and initiated by third parties.