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 using your VISA debit card. Cash deposits at a Wal-Mart Cashier 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. • There is no charge for ATM withdrawals at ATMs owned by us. • There is no charge for VISA debit card purchases. • There is a $2.50 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. • 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 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, as amended from time to time. 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. 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 using with your VISA debit card. Cash deposits at a Wal-Mart Cashier 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. •  There is no charge for ATM withdrawals at ATMs owned by us. •  There is no charge for VISA debit card purchases. •  There is a $2.50 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. •  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 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 agreementthe applicable cardholder agreement with your payment card issuer, as amended in effect from time to time. 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. 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.  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.  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. 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 using your VISA debit card. Cash deposits at a Wal-Mart Cashier 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. • There is no charge for ATM withdrawals at ATMs owned by us. • There is no charge for VISA debit card purchases. • There is a $2.50 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. • 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 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 agreementthe applicable cardholder agreement with your payment card issuer, as amended in effect from time to time. 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. 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 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. • There is no charge for ATM withdrawals at ATMs owned by us. • There is no charge for VISA debit card purchases. • There is a $2.50 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. • 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 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, as amended from time to time. 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. 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 using with your VISA debit card. Cash deposits at a Wal-Mart Cashier 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. • There is no charge for ATM withdrawals at ATMs owned by us. • There is no charge for VISA debit card purchases. • There is a $2.50 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 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. • 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 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 agreementthe applicable cardholder agreement with your payment card issuer, as amended in effect from time to time. VISA charges a fee Please contact your payment card issuer for any international transaction completed with the use 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 VISA branded card. These fees are passed directly Third Party Servicer- By adding or attempting to add your Visa debit card to a Third Party Servicer, you by agree to their inclusion in the transaction amount deducted terms of use, as they may be modified 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. You may arrange for us time 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 partiestime.

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 using 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. • There is no charge for ATM withdrawals at ATMs owned by us. • There is no charge for VISA debit card purchases. • There is a $2.50 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 $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. • 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 Academy 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, agreement as amended from time to time. 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. 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.