Common use of Limitations on Frequency and Amount Clause in Contracts

Limitations on Frequency and Amount. You 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 cardholder or repossessed by Bank at any time and must be surrendered upon demand. – Card transactions described in this section are included in the limitations described in Limits on Savings and Money Market Transfers and Withdrawals section of this Agreement. – Financial institutions who have agreed to accept Cards at POS terminals are not required to make available a receipt for small-value transactions of fifteen dollars ($15.00) or less. Foreign ATM Transaction Fees When you use an ATM not owned by Bank (“Foreign ATM”), you may be charged a fee by the ATM operator (and you may 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 processed through the MoneyPass® ATM system. – There is no charge for ATM withdrawals when using MoneyPass® ATMs. Please visit xxx.xxxxxxxxx.xxx for a list of locations. – Card transactions described in 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. You 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 cardholder or repossessed by Bank at any time and must be surrendered upon demand. – • Card transactions described in this section are included in the limitations described in Limits on Savings and Money Market Transfers and Withdrawals section of this Agreement. – • Financial institutions who have agreed to accept Cards at POS terminals are not required to make available a receipt for small-small- value transactions of fifteen dollars ($15.00) or less. Foreign ATM Transaction Fees When you use an ATM not owned by Bank (“Foreign ATM”), you may be charged a fee by the ATM operator (and you may 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 processed through the MoneyPass® ATM system. – system • There is no charge for ATM withdrawals when using MoneyPass® ATMs. Please visit xxx.xxxxxxxxx.xxx for a list of locations. – • Card transactions described in 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. You 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 cardholder or repossessed by Bank at any time and must be surrendered upon demand. – • Card transactions described in this section are included in the limitations described in Limits on Savings and Money Market Transfers and Withdrawals section of this Agreement. – • Financial institutions who have agreed to accept Cards at POS terminals are not required to make available a receipt for small-small- value transactions of fifteen dollars ($15.00) or less. Foreign ATM Transaction Fees When you use an ATM not owned by Bank (“Foreign ATM”), you may be charged a fee by the ATM operator (and you may 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 processed through the MoneyPass® ATM system. – • There is no charge for ATM withdrawals when using MoneyPass® ATMs. Please visit xxx.xxxxxxxxx.xxx for a list of locations. – • Card transactions described in 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. You 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, the Bank has we have established the following limits: ATM and Visa® Debit Card 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 Bankus. – - You may not stop payment on a Card an ATM or Visa® debit card transaction. – - The Card may be revoked without notice to the cardholder or repossessed by Bank us at any time and must be surrendered upon demand. – - The Card transactions described in this section are included in subject to the limitations described in Limits on Savings and Money Market Transfers and Withdrawals section of this Agreement. – - Financial institutions who have agreed to accept Cards debit cards at POS terminals are not required to make available a receipt for small-value transactions of fifteen dollars ($15.00) or less. Foreign Fees and Charges for ATM Transaction Fees / POS Transactions ATM Fees: When you use an ATM not owned by Bank us (“Foreign ATM”), you may be charged a fee by the 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). The Foreign ATMs for purposes of the surcharge fees discussed below may be applicable at Foreign are ATMs not owned by us or on ATM transactions not processed through the MoneyPass® MoneyPass ATM system. – - There is no charge for ATM withdrawals at machines owned by us, or when using MoneyPass® MoneyPass ATMs. Please visit xxx.xxxxxxxxx.xxx for a list of locations. – - For Alliance Bank of Arizona Division, Bridge Bank Division, First Independent Bank Division, and Xxxxxx Xxxxx Bank Division customers, the surcharge on foreign ATM transactions will be 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 included in subject to the limitations fees and charges described in Limits on Savings and Money Market Transfers and Withdrawals section of this Agreement. – - You are responsible for any Card network Visa International fees assessed for transactions conducted outside the U.S.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 the Primary Account. A business debit card is not a consumer product and is not covered under the consumer laws and regulations of the EFTA and is not subject to surcharge fee waivers. A separate application and disclosure must be completed and approved prior to issuance.

Limitations on Frequency and Amount. You 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 Cancellation notice must be given to available funds Bank prior to preauthorized debit taking place 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 order 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 the item. 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 preauthorized EFTs. * We will charge $35.00 for each stop-payment order for preauthorized transfers. Point of Sale/ Debit Card transaction. – Card Services/ ATM Transfers Types of Transactions/Transfers: You may be revoked without notice use the card and PIN issued you to the cardholder or repossessed by Bank at any time and must be surrendered upon demand. – Card transactions described in this section are included in the limitations described in Limits on Savings and Money Market Transfers and Withdrawals section of this Agreement. – Financial institutions pay for purchases from merchants who have agreed to accept Cards 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 terminals debit card with a VISA symbol. 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. * Transfer funds between your checking and savings accounts. * Obtain balance information on your deposit accounts. Limitations on Frequency and Amount: * You may withdraw up to a maximum of $600.00 (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 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 required to make available a receipt charge for small-value ATM transactions of fifteen dollars ($15.00) or lessat the present time. Foreign * We do not charge for any POS transactions. ATM Transaction Fees Fees. When you use an ATM not owned by Bank (“Foreign ATM”)us, you may be charged a fee by the ATM operator (and you may 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 processed through the MoneyPass® ATM system. – There is no charge for ATM withdrawals when using MoneyPass® ATMs. Please visit xxx.xxxxxxxxx.xxx for a list of locations. – Card transactions described in 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..