Common use of Loading Your Card Clause in Contracts

Loading Your Card. You may load funds to your Card at any time. You will have access to your direct deposit funds on the effective date of the deposit as indicated by the payor. You will have access to the funds immediately after loading via Western Union, or Green Dot MoneyPak®. Personal checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable form of loading. At our discretion, we may allow a load payment in excess of the limits disclosed below, including the maximum value limit, to post to your Card Account. However, if such a load payment is permitted to post to your Card Account on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limit will be permitted in the future. All checks and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer. The maximum value of your Card is restricted to $15,000.00. These are the limits associated with loading your Card: Transaction Type Frequency and/or Dollar Limits* Direct Deposits 4 times per rolling 24 hour period $.01 - $15,000.00 per rolling 24 hour period Cash Loads** Green Dot 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days Western Union 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days inPOWER Retail Locations 4 times per rolling 24 hour period $2,500.00 per rolling 24 hour period. The minimum amount of the initial load and each reload is $10.00. We may waive this minimum for loads at participating inPOWER retail locations. * We may at our discretion allow a load payment in excess of these limits. See the “Loading Your Card” section for more details about this policy. ** Third party money transfer services used to load funds to your Card Account may impose their own per transaction, daily, weekly or monthly limits on the frequency or amount of cash you can load to your Card Account.

Loading Your Card. [Please insert the ways you may load your card and their applicable limits here.] You may load funds to your Card Account: (a) using in-store cash value load transactions conducted at any timeVanilla or Green Dot Program location; (b) by arranging to have all or a portion of your paycheck, government benefits payment, tax refund check, or other electronic funds transfer deposited onto you Card using the Automated Clearing House system; or (c) by arranging for the transfer of funds originating from a financial institution located in the United States. You will Depending on your Card Account load method, you should have access to your direct deposit newly loaded funds on the effective date of the deposit as indicated by the payor. You will have access to the funds immediately after loading via Western Union, no later than 30 minutes using Vanilla or Green Dot MoneyPak®Dot. Personal checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable form There may be fees associated with these methods of Card Account loading. At our discretionFor information about the fees, we may allow a load payment in excess of see the limits disclosed below, including the maximum value limit, to post to your Card AccountFee Schedule. However, if such a load payment is permitted to post to your Card Account on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limit will be permitted in the future. All checks and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer. The maximum value of your Card is restricted to $15,000.00. These are the limits associated with loading your Card: Cash Reload Networks Maximum Reload per Transaction Type Frequency and/or Dollar Limits* Direct Deposits 4 times Maximum Reloads per rolling 24 hour period $.01 - $15,000.00 Day Maximum Reload per rolling 24 hour period Cash Loads** Day Maximum Reload per Month Green Dot 10 times per 30 calendar days* $ 500 2 $ 1,000 $ 5,000 Vanilla $950.00 per rolling 24 hour period; 500 2 $9,500.00 per 30 calendar days Western Union 10 times per 30 calendar days* 1,000 $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days inPOWER Retail Locations 4 times per rolling 24 hour period $2,500.00 per rolling 24 hour period. The minimum amount of the initial load and each reload is $10.00. We may waive this minimum for loads at participating inPOWER retail locations. * We may at our discretion allow a load payment in excess of these limits. See the “Loading Your Card” section for more details about this policy. ** Third party money transfer services used to 5,000 You must load funds to your Card Account may impose their own per transactionusing one of the methods described in the preceding paragraph. We will not accept any checks, dailymoney orders, weekly or monthly limits on the frequency cash mailed to us for deposit, or amount of cash you can load any inbound wire transfers to your Account. We are not liable for any checks, money order, or cash mailed to us. All checks, money orders, or cash sent to the Bank for loading onto your Card AccountAccount will be returned unless your Card Account has a negative balance at the time such check or money order is received, in which case the Bank may in its discretion choose to apply the check or money order proceeds to the negative balance owed.

Loading Your Card. You may load add funds to your Card Card, called "value loading", at any time. Value will be "loaded" or added to the Card after it has been activated and the authenticity of the Card and/or "load" instruction has been verified. You will have access can add ("reload") additional value to your Card in any of the following ways: (a) making a payment at your local ESL branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer; or (c) visiting xxx.xxx or calling 000.000.0000 to initiate an ACH funds transfer from your designated funding account. A load or reload fee may apply for each load or reload. The minimum amount of the initial load and each reload transaction load is $1.00. The maximum amount of the initial cash load and each cash reload is $10,000.00 per transaction, with a total cumulative cash load/reload limit of $10,000.00 per day. The maximum amount of value that can reside on the effective date Card at any time is $10,000.00. The number of the deposit as indicated by the payor. You will have access loads on a Non-Personalized Card is limited to the funds immediately after loading via Western Union, or Green Dot MoneyPak®. Personal checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable form of loading. At our discretion, we may allow a load payment in excess of the limits disclosed belowfour reloads, including the maximum initial load. Personalized Cards are limited to four reloads every seven calendar days. We may increase or decrease these limits from time to time in our sole discretion without prior notice to you. We will limit the number of Cards provided to you. We reserve the right to accept or reject any request to load or reload value limit, to post to your Card Account. However, if such a load payment is permitted to post to your Card Account on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limit will be permitted in the future. All checks and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at our sole discretion. With the discretion exception of reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. You can receive Automated Clearing House (“ACH”) direct deposits. You may provide your Card Account number for these deposits, but you agree not to provide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, you agree to be bound by the rules and regulations of the IssuerNational Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, the “NACHA Rules”), the rules of any local ACH, and the rules of any other system through which the entry is made. The maximum amount that can be spent on your Card per day is $2,500.00. The maximum value of your Card is restricted to $15,000.0010,000.00. These You may use your Card to purchase or lease goods or services wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the limits associated value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with loading another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card: Transaction Type Frequency and/or Dollar Limits* Direct Deposits 4 times per rolling 24 hour period , your Card is likely to be declined. If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount up to $.01 - 99.00 or more, even if the purchase amount is less than $15,000.00 per rolling 24 hour period Cash Loads** Green Dot 10 times per 99.00. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to 24-hours for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. Depending on your remaining balance, the preauthorization could cause another subsequent purchase to be declined. To avoid a declined purchase, or a hold greater than the actual purchase amount, pay for your gas inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to 30 calendar days* . If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days Western Union 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days inPOWER Retail Locations 4 times per rolling 24 hour period $2,500.00 per rolling 24 hour period15. The minimum If you use your Card number without presenting your Card (such as for a mail order, telephone, or internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the initial load transaction and each reload is $10.00any applicable fees. We You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may waive this minimum result in a hold for loads at participating inPOWER retail locationsthat amount of funds for up to 30 days. * We You may at our discretion allow a load payment in excess of these limitsuse your Card for any Recurring Transactions. See the “Loading Your Card” section for more details about this policy. ** Third party money transfer services used "Recurring Transactions" are transactions that you authorize to load funds have automatically charged to your Card Account each month or other specified period with or without any further action on your part. Examples of merchants that may impose their own per transactionuse Recurring Transactions include wireless carriers, dailyinternet service providers, weekly or health clubs, insurance companies that automatically charge monthly limits on the frequency or amount of cash premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can load stop any of these payments. To stop a payment you must provide sufficient advance notice to the party that you authorized to debit your Card Accountbalance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 000.000.0000, or writing to us at Cardholder Services P.O. Box 550578 Ft. Lauderdale, FL 33355. If you notify us orally by telephone, we may require you to provide a written confirmation within 10 business days of your call. You must give us notice by any of these methods in time for us to receive your request three business days or more before the payment is scheduled to be made.

Loading Your Card. You may load funds to your Card at any time. You will have access to your direct deposit funds on the effective date of the deposit as indicated by the payor. You will have access to the funds immediately after loading via Western Union, or Green Dot MoneyPak®and Green Dot Relaod @ the Register. Personal checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable form of loading. At our discretion, we may allow a load payment in excess of the limits disclosed below, including the maximum value limit, to post to your Card Account. However, if such a load payment is permitted to post to your Card Account on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limit will be permitted in the future. All checks and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer. The maximum value of your Card is restricted to $15,000.00. These are the limits associated with loading your Card: Transaction Type Frequency and/or Dollar Limits* Direct Deposits 4 times per rolling 24 hour period $.01 - $15,000.00 per rolling 24 hour period Cash Loads** Green Dot (MoneyPak®and Relaod @ the Register) 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days Western Union 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days inPOWER Retail Locations 4 times per rolling 24 hour period $2,500.00 per rolling 24 hour period. The minimum amount of the initial load and each reload is $10.00. We may waive this minimum for loads at participating inPOWER retail locations. * We may at our discretion allow a load payment in excess of these limits. See the “Loading Your Card” section for more details about this policy. ** Third Third-party money transfer services used to load funds to your Card Account may impose their own per transaction, daily, weekly or monthly limits on the frequency or amount of cash you can load to your Card Account.

Loading Your Card. You may load add funds to your Card, called "value loading", at any time. Value will be "loaded" or added to the Card after it has been activated and the authenticity of the Card and/or "load" instruction has been verified. You can add ("reload") additional value to your Card in any of the following ways: (a) making a payment at your local City & County Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer (c) visiting xxx.xxxx.xxx or calling 000-000-0000 to initiate an ACH funds transfer from your designated funding account; d) transfer funds to your Card from an eligible checking or savings account held by you at any timea U.S. financial institution by means of using the Bank’s online banking system. You will have access to your direct deposit funds on the effective date of the deposit as indicated by the payor. You will have access to the funds immediately after loading via Western Union, A load or Green Dot MoneyPak®. Personal checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable form of loading. At our discretion, we reload fee may allow a apply for each load payment in excess of the limits disclosed below, including the maximum value limit, to post to your Card Account. However, if such a load payment is permitted to post to your Card Account on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limit will be permitted in the future. All checks and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer. The maximum value of your Card is restricted to $15,000.00. These are the limits associated with loading your Card: Transaction Type Frequency and/or Dollar Limits* Direct Deposits 4 times per rolling 24 hour period $.01 - $15,000.00 per rolling 24 hour period Cash Loads** Green Dot 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days Western Union 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days inPOWER Retail Locations 4 times per rolling 24 hour period $2,500.00 per rolling 24 hour periodreload. The minimum amount of the initial load and each reload transaction load is $10.0010. The maximum amount of the initial cash load and each cash reload is $5000 per transaction, with a total cumulative cash load/reload limit of $5000 per day. The maximum amount of value that can reside on the Card at any time is $5000. The number of loads on a Non-Personalized Card is limited to four (4) including the initial load. Personalized Cards have unlimited reload capabilities. We may waive this minimum for loads at participating inPOWER retail locationsincrease or decrease these limits from time to time in our sole discretion without prior notice to you. * We may will limit the number of Cards provided to you. We reserve the right to accept or reject any request to load or reload value to the Card at our discretion allow a load payment in excess sole discretion. With the exception of these limitsreloads performed through direct deposit, the Card may only be reloaded by the Cardholder. See the AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. You can receive Automated Clearing House (“Loading Your Card” section for more details about this policyACH”) direct deposits. ** Third party money transfer services used to load funds to You may provide your Card Account may impose their own per transactionnumber for these deposits, daily, weekly or monthly limits on the frequency or amount of cash but you can load agree not to provide your Card AccountAccount number to third parties to withdraw funds. If you are a party to an ACH entry, you agree to be bound by the rules and regulations of the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, the “NACHA Rules”), the rules of any local ACH, and the rules of any other system through which the entry is made.

Loading Your Card. You may load funds to your Card at any time. You will have access to your direct deposit funds on the effective date of the deposit as indicated by the payor. You will have access to the funds immediately after loading via Western Union, or Green Dot MoneyPak®and Green Dot Relaod @ the Register. Personal checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable form of loading. At our discretion, we may allow a load payment in excess of the limits disclosed below, including the maximum value limit, to post to your Card Account. However, if such a load payment is permitted to post to your Card Account on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limit will be permitted in the future. All checks and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer. The maximum value of your Card is restricted to $15,000.00. These are the limits associated with loading your Card: Transaction Type Frequency and/or Dollar Limits* Direct Deposits 4 times per rolling 24 hour period $.01 - $15,000.00 per rolling 24 hour period Cash Loads** Green Dot (MoneyPak®and Relaod @ the Register) 10 times per 30 calendar c alendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days Western Union 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days inPOWER Retail Locations 4 times per rolling 24 hour period $2,500.00 per rolling 24 hour period. The minimum amount of the initial load and each reload is $10.00. We may waive this minimum for loads at participating inPOWER retail locations. * We may at our discretion allow a load payment in excess of these limits. See the “Loading Your Card” section for more details about this policy. ** Third Third-party money transfer services used to load funds to your Card Account may impose their own per transaction, daily, weekly or monthly limits on the frequency or amount of cash you can load to your Card Account.

Loading Your Card. You may load funds to your Card at any time. You will have access to your direct deposit funds on the effective date of the deposit as indicated by the payor. You will have access to the funds immediately after loading via Western Union, or Green Dot MoneyPak®and Green Dot Relaod @ the Register. Personal checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable form of loading. At our discretion, we may allow a load payment in excess of the limits disclosed below, including the maximum value limit, to post to your Card Account. However, if such a load payment is permitted to post to your Card Account on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limit will be permitted in the future. All checks and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer. The maximum value of your Card is restricted to $15,000.00. These are the limits associated with loading your Card: Transaction Type Frequency and/or Dollar Limits* Direct Deposits 4 times per rolling 24 hour period $.01 - $15,000.00 per rolling 24 hour period Cash Loads** Green Dot (MoneyPak®and Relaod @ the Register) 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days Western Union 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days inPOWER Retail Locations 4 times per rolling 24 hour period $2,500.00 per rolling 24 hour period. The minimum amount of the initial load and each reload is $10.00. We may waive this minimum for loads at participating inPOWER retail locations. * We may at our discretion allow a load payment in excess of these limits. See the “Loading Your Card” section for more details about this policy. ** Third Third-party money transfer services used to load funds to your Card Account may impose their own per transaction, daily, weekly or monthly limits on the frequency or amount of cash you can load to your Card Account.

Loading Your Card. You may load add funds to your Card Card, called "value loading", at any time. You Value will have access be "loaded" or added to your direct deposit funds on the effective date Card after it has been activated and the authenticity of the deposit as indicated by the payorCard and/or "load" instruction has been verified. You will have access to the funds immediately after loading via Western Union, or Green Dot MoneyPak®. Personal checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable form of loading. At our discretion, we may allow a load payment in excess of the limits disclosed below, including the maximum can add ("reload") additional value limit, to post to your Card Account. However, if such a load payment is permitted to post to your Card Account on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limit will be permitted in the future. All checks and money orders sent following ways: (a) making a payment at your local Hawaiian Financial Federal Credit Union branch; (b) direct deposit to the Issuer Card through an Automated Clearing House (“ACH”) funds transfer (For Personalized Cards only); or (c) visiting xxxxx://xxx.xxxxxx.xxx/ or calling (000) 000-0000 to initiate an ACH funds transfer from your designated funding account. A load or reload fee may apply for each load or reload. The minimum amount of the initial load and each reload transaction load is $50.00. The maximum amount of the initial cash load and each cash reload is $5,000.00 per transaction, with a total cumulative cash load/reload limit of $5,000.00 per day. The maximum amount of value that can reside on the Card loading at any time is $5,000.00. The number of loads on a Non-Personalized Card is limited to 4 including the initial load. Personalized Cards have unlimited reload capabilities and may utilize Automated-Clearing House direct deposits only to the extent set forth below. We may increase or decrease these limits from time to time in our sole discretion without prior notice to you. We will be returned unless limit the full amount may be applied towards a negative balance, in which case number of Cards provided to you. We reserve the check right to accept or money order may reject any request to load or may not be loaded reload value to the Card at our sole discretion. With the discretion exception of reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. For Personalized Cards only you can receive Automated Clearing House (“ACH”) direct deposits. You may provide your Card Account number for these deposits, but you agree not to provide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, you agree to be bound by the rules and regulations of the IssuerNational Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, the “NACHA Rules”), the rules of any local ACH, and the rules of any other system through which the entry is made. Non-Personalized Cards cannot accept or utilize ACH direct deposits. The maximum amount that can be spent on your Card per day is $5,000.00. The maximum value of your Card is restricted to $15,000.005,000.00. These You may use your Card to purchase or lease goods or services wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the limits associated value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with loading another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card: Transaction Type Frequency and/or Dollar Limits* Direct Deposits 4 times per rolling 24 hour period , your Card is likely to be declined. If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount up to $.01 - 175 or more, even if the purchase amount is less than $15,000.00 per rolling 24 hour period Cash Loads** Green Dot 10 times per 30 calendar 100. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. Depending on your remaining balance, the preauthorization could cause another subsequent purchase to be declined. To avoid a declined purchase, or a hold greater than the actual purchase amount, pay for your gas inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days* . Some hotels and car rental companies may refuse to accept prepaid cards. You should inquire about a merchant’s policies prior to traveling. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days Western Union 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days inPOWER Retail Locations 4 times per rolling 24 hour period $2,500.00 per rolling 24 hour period15. The minimum If you use your Card number without presenting your Card (such as for a mail order, telephone, or internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for gambling, lotteries, betting, wagering or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the initial load transaction and each reload is $10.00any applicable fees. We You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may waive this minimum result in a hold for loads at participating inPOWER retail locationsthat amount of funds for up to thirty (30) days. * We You may at our discretion allow a load payment in excess of these limitsuse your Card for any Recurring Transactions. See the “Loading Your Card” section for more details about this policy. ** Third party money transfer services used "Recurring Transactions" are transactions that you authorize to load funds have automatically charged to your Card Account each month or other specified period with or without any further action on your part. Examples of merchants that may impose their own per transactionuse Recurring Transactions include wireless carriers, dailyinternet service providers, weekly or health clubs, insurance companies that automatically charge monthly limits on the frequency or amount of cash premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can load stop any of these payments. To stop a payment, you must provide sufficient advance notice to the party that you authorized to debit your Card Accountbalance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling (000) 000-0000 or writing to us at Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117- 7235. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.

Loading Your Card. You may load funds to your Card at any time. You will have access to your direct deposit funds on the effective date of the deposit as indicated by the payor. You will have access to the funds immediately after loading via Western Union, or Green Dot MoneyPak®and Green Dot Reload @ the Register. Personal checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable form of loading. At our discretion, we may allow a load payment in excess of the limits disclosed below, including the maximum value limit, to post to your Card Account. However, if such a load payment is permitted to post to your Card Account on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limit will be permitted in the future. All checks and money orders sent to the Issuer for Card loading will be returned unless the full amount may be applied towards a negative balance, in which case the check or money order may or may not be loaded to the Card at the discretion of the Issuer. The maximum value of your Card is restricted to $15,000.00. These are the limits associated with loading your Card: Transaction Type Frequency and/or Dollar Limits* Direct Deposits 4 times per rolling 24 hour period $.01 - $15,000.00 per rolling 24 hour period Cash Loads** Green Dot (MoneyPak®and Reload @ the Register) 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days Western Union 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days inPOWER Retail Locations 4 times per rolling 24 hour period $2,500.00 per rolling 24 hour period. The minimum amount of the initial load and each reload is $10.00. We may waive this minimum for loads at participating inPOWER retail locations. * We may at our discretion allow a load payment in excess of these limits. See the “Loading Your Card” section for more details about this policy. ** Third Third-party money transfer services used to load funds to your Card Account may impose their own per transaction, daily, weekly or monthly limits on the frequency or amount of cash you can load to your Card Account.

Loading Your Card. You may load add funds to your Card Card, called "value loading", at any time. You Value will have access be "loaded" or added to your direct deposit funds on the effective date Card after it has been activated and the authenticity of the deposit as indicated by the payorCard and/or "load" instruction has been verified. You will have access to the funds immediately after loading via Western Union, or Green Dot MoneyPak®. Personal checks, cashier’s checks, and money orders sent to the Issuer are not an acceptable form of loading. At our discretion, we may allow a load payment in excess of the limits disclosed below, including the maximum can add ("reload") additional value limit, to post to your Card Account. However, if such a load payment is permitted to post to your Card Account on one occasion, there is no guarantee that any load(s), in any form, in excess of the disclosed limit will be permitted in the future. All checks and money orders sent following ways: (a) making a payment at your local Hawaiian Financial Federal Credit Union branch; (b) direct deposit to the Issuer Card through an Automated Clearing House (“ACH”) funds transfer (For Personalized Cards only); or (c) visiting xxxxx://xxx.xxxxxx.xxx/ or calling (000) 000-0000 to initiate an ACH funds transfer from your designated funding account. A load or reload fee may apply for each load or reload. The minimum amount of the initial load and each reload transaction load is $50.00. The maximum amount of the initial cash load and each cash reload is $5,000.00 per transaction, with a total cumulative cash load/reload limit of $5,000.00 per day. The maximum amount of value that can reside on the Card loading at any time is $5,000.00. The number of loads on a Non-Personalized Card is limited to 4 including the initial load. Personalized Cards have unlimited reload capabilities and may utilize Automated-Clearing House direct deposits only to the extent set forth below. We may increase or decrease these limits from time to time in our sole discretion without prior notice to you. We will be returned unless limit the full amount may be applied towards a negative balance, in which case number of Cards provided to you. We reserve the check right to accept or money order may reject any request to load or may not be loaded reload value to the Card at our sole discretion. With the discretion exception of reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. For Personalized Cards only you can receive Automated Clearing House (“ACH”) direct deposits. You may provide your Card Account number for these deposits, but you agree not to provide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, you agree to be bound by the rules and regulations of the IssuerNational Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, the “NACHA Rules”), the rules of any local ACH, and the rules of any other system through which the entry is made. Non-Personalized Cards cannot accept or utilize ACH direct deposits. The maximum amount that can be spent on your Card per day is $5,000.00. The maximum value of your Card is restricted to $15,000.005,000.00. These You may use your Card to purchase or lease goods or services wherever, in most instances, Visa Debit cards are accepted as long as you do not exceed the limits associated value available on your Card Account. Some merchants do not allow cardholders to conduct split transactions where you would use the Card as partial payment for goods and services and pay the remainder of the balance with loading another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchant, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card. You must then arrange to pay the difference using another payment method. Some merchants may require payment for the remaining balance in cash. If you fail to inform the merchant that you would like to complete a split transaction prior to swiping your Card: Transaction Type Frequency and/or Dollar Limits* Direct Deposits 4 times per rolling 24 hour period , your Card is likely to be declined. If you use your Card at an automated fuel dispenser ("pay at the pump"), the merchant may preauthorize the transaction amount up to $.01 - 99 or more, even if the purchase amount is less than $15,000.00 per rolling 24 hour period Cash Loads** Green Dot 10 times per 30 calendar 100. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. A preauthorization amount will place a "hold" on your available funds until the merchant sends us the final payment amount of your purchase. Once the final payment amount is received, the preauthorization amount on hold will be removed. It may take up to three (3) days for the hold to be removed. During the hold period, you will not have access to the preauthorized amount. Depending on your remaining balance, the preauthorization could cause another subsequent purchase to be declined. To avoid a declined purchase, or a hold greater than the actual purchase amount, pay for your gas inside with the cashier. If you use your Card at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% of the purchase amount or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. All transactions relating to hotels or car rentals may result in a hold for that amount of funds up to thirty (30) days* . Some hotels and car rental companies may refuse to accept prepaid cards. You should inquire about a merchant’s policies prior to traveling. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days Western Union 10 times per 30 calendar days* $950.00 per rolling 24 hour period; $9,500.00 per 30 calendar days inPOWER Retail Locations 4 times per rolling 24 hour period $2,500.00 per rolling 24 hour period15. The minimum If you use your Card number without presenting your Card (such as for a mail order, telephone, or internet purchase), the legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of transactions you can make on your Card. Your Card cannot be redeemed for cash. You will not use your Card for gambling, lotteries, betting, wagering or any illegal transaction. Each time you use your Card, you authorize us to reduce the value available in your Card Account by the amount of the initial load transaction and each reload is $10.00any applicable fees. We You are not allowed to exceed the available amount in your Card Account through an individual transaction or a series of transactions. Nevertheless, if a transaction exceeds the balance of the funds available on your Card, you shall remain fully liable to us for the amount of the transaction and any applicable fees. Except for Recurring Transactions (defined below), you do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you authorize a transaction and then fail to make a purchase of that item as planned, the approval may waive this minimum result in a hold for loads at participating inPOWER retail locationsthat amount of funds for up to thirty (30) days. * We You may at our discretion allow a load payment in excess of these limitsuse your Card for any Recurring Transactions. See the “Loading Your Card” section for more details about this policy. ** Third party money transfer services used "Recurring Transactions" are transactions that you authorize to load funds have automatically charged to your Card Account each month or other specified period with or without any further action on your part. Examples of merchants that may impose their own per transactionuse Recurring Transactions include wireless carriers, dailyinternet service providers, weekly or health clubs, insurance companies that automatically charge monthly limits on the frequency or amount of cash premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can load stop any of these payments. To stop a payment, you must provide sufficient advance notice to the party that you authorized to debit your Card Accountbalance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling (000) 000-0000 or writing to us at Cardholder Services P.O. Box 7235 Sioux Falls, SD 57117- 7235. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) days of your call. You must give us notice by any of these methods in time for us to receive your request three (3) business days or more before the payment is scheduled to be made.