Common use of Limitations on Frequency and Dollar Amounts of Transactions Clause in Contracts

Limitations on Frequency and Dollar Amounts of Transactions. For security reasons, there may be limits on the number of cash advances and purchases that may be authorized. There is a Returns and Adjustments (Debit Cards) – Merchants and others who honor debit cards may give credit for returns or adjustments, and they will do so by sending us a credit slip that we will post to your Checking Account. Foreign Transactions (Debit Cards) – When you use your card for a transaction denominated in currency other than U.S. dollars, the transaction amount will be converted into U.S. dollars by applying an exchange rate selected by Mastercard from among the range of rates available in wholesale currency markets or the government-mandated rate on the date the transaction is processed. The rate chosen may vary from the rate Mastercard itself receives. Merchant Refusal to Accept – Some merchants may refuse to accept your Card(s) as payment for goods and services, and we are not responsible or liable for their actions. Additional Disclosures Applicable to Telephone Banking and Online/Mobile Banking Services Account Access – Telephone Banking and Online/Mobile Banking Services are available for your Savings Account, Checking Accounts, Money Market Account, Personal Line of Credit Account, and most other savings account(s) (with the exception of IRA accounts) and loan account(s) (with the exception of credit cards) using your password specific to this service. Account Selection – Registering for multi-account access will allow you to transact on all accounts on which you are an owner, a joint owner or co-signer. You cannot select individual accounts for multi-account Telephone Banking or Online/Mobile Banking access.

Limitations on Frequency and Dollar Amounts of Transactions. For security reasons, there may be limits on the number of cash advances and purchases that may be authorized. There is a Returns and Adjustments (Debit Cards) – Merchants and others who honor debit cards may give credit for returns or adjustments, and they will do so by sending us a credit slip that we will post to your Checking Account. Foreign Transactions (Debit Cards) – When you use your card for a transaction denominated in currency other than U.S. dollars, the transaction amount will be converted into U.S. dollars by applying an exchange rate selected by Mastercard MasterCard or VISA from among the range of rates available in wholesale currency markets or the government-mandated rate on the date the transaction is processed. The rate chosen may vary from the rate Mastercard MasterCard or VISA itself receives. Merchant Refusal to Accept – Some merchants may refuse to accept your Card(s) as payment for goods and services, and we are not responsible or liable for their actions. Additional Disclosures Applicable to Automated Telephone Banking and Online/Mobile Banking Services Account Access – Automated Telephone Banking and Online/Mobile Banking Services are available for your Savings Account, Checking Accounts, Money Market Account, Personal Line of Credit Account, and most other savings account(s) (with the exception of IRA accounts) and loan account(s) (with the exception of credit cards) using your password specific to this service. Account Selection – Registering for multi-account access will allow you to transact on all accounts on which you are an owner, a joint owner or co-signer. You cannot select individual accounts for multi-account Automated Telephone Banking or Online/Mobile Banking access.

Limitations on Frequency and Dollar Amounts of Transactions. For security reasons, there may be limits on the number of cash advances and purchases that may be authorized. There is a Returns and Adjustments (Debit Cards) – Merchants and others who honor debit cards may give credit for returns or adjustments, and they will do so by sending us a credit slip that we will post to your Checking Account. Foreign Transactions (Debit Cards) – When you use your card for a transaction denominated in currency other than U.S. dollars, the transaction amount will be converted into U.S. dollars by applying an exchange rate selected by Mastercard or VISA from among the range of rates available in wholesale currency markets or the government-mandated rate on the date the transaction is processed. The rate chosen may vary from the rate Mastercard or VISA itself receives. Merchant Refusal to Accept – Some merchants may refuse to accept your Card(s) as payment for goods and services, and we are not responsible or liable for their actions. Additional Disclosures Applicable to Telephone Banking and Online/Mobile Banking Services Account Access – Telephone Banking and Online/Mobile Banking Services are available for your Savings Account, Checking Accounts, Money Market Account, Personal Line of Credit Account, and most other savings account(s) (with the exception of IRA accounts) and loan account(s) (with the exception of credit cards) using your password specific to this service. Account Selection – Registering for multi-account access will allow you to transact on all accounts on which you are an owner, a joint owner or co-signer. You cannot select individual accounts for multi-account Telephone Banking or Online/Mobile Banking access.