Common use of Loading Your Card Clause in Contracts

Loading Your Card. You may 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 South Carolina State Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer; or (c) visiting xxx.xxxxx.xxx/xxxxxxx or calling 0-000-000-0000 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 $20.00. 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 at any time is $5,000.00. Personalized Cards have unlimited reload capabilities. 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 to the Card at our sole discretion. With the 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. Using Your Card/Features The maximum amount that can be spent on your Card per day is $1,500.00. The maximum value of your Card is restricted to $5,000.00. 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 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 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, 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 $100 or more, even if the purchase amount is less than $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. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. 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 transaction and any applicable fees. 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 result in a hold for that amount of funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can 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 balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-000-000-0000, or writing to us at Cardholder Services, Inc. PO 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 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 South Carolina State Xxxxxxx Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfertransfer and receive the funds up to 2 days early dependent on the timing of payer’s submission of ach deposit versus the scheduled payment date; or (c) visiting xxx.xxxxx.xxx/xxxxxxx xxx.xxxx.xxx or calling 0866-000-000-0000 760- 3156 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 a U.S. financial institution by means of using the Bank’s online banking system; or e) visit participating Visa ReadyLink merchants to reload, merchants reserve the right to charge a fee. Find a Visa ReadyLink merchant at: xxxxx://xxx.xxxx.xxx/pay-with-visa/cards/services-locator.html. 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 $20.0050.00. The maximum amount of the initial cash load and each cash reload is $5,000.00 5000.00 per transaction, with a total cumulative cash load/reload limit of $5,000.00 5000.00 per day. The maximum amount of value that can reside on the Card at any time is $5,000.005000.00. 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 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 to the Card at our sole discretion. With the exception of Except for reloads performed through direct deposit, the Card may only be reloaded by the Cardholder. AN UNAUTHORIZED USER MAY NOT RELOAD FUNDS TO THE CARD. Using Your Card/Features The maximum amount that You can be spent on your Card per day is $1,500.00. The maximum value of your Card is restricted to $5,000.00receive Automated Clearing House (“ACH”) direct deposits. You may use provide your Card Account number for these deposits, but you agree not to purchase or lease goods or services whereverprovide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, in most instancesyou agree to be bound by the rules and regulations of the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, Visa Debit cards are accepted as long as the “NACHA Rules”), the rules of any local ACH, and the rules of any other system through which the entry is made. Provisional Payment. Credit we give you with respect to an ACH credit entry is provisional until we receive final settlement for that entry through a Federal Reserve Bank. If we do not exceed receive final settlement, you agree that we are entitled to a refund of the value available on amount credited to you in connection with the entry, and the party making the payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. Under the NACHA Rules, which are applicable to ACH transactions involving your Card Account, we are not required to give next day notice to you of receipt of ACH item and we will not do so. Some merchants However, we will continue to notify you of the receipt of payments in the account transaction history made available to you. You may also use the Mobile Cashed Check Load service offered by Ingo Money, Inc. (a third-party service provider) to load funds from eligible cashed checks to your Card using your mobile device. Even though we may allow use of the Mobile Cashed Check Load service to add money to your Card, we do not allow cardholders to conduct split transactions where you would provide this service and are not responsible for any service-related issues. To use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchantthis service, you must tell agree to the merchant terms and conditions the service provider establishes from time to time. Although we do not charge only any fees in connection with Mobile Cashed Check Loads, the exact amount of funds available service provider providing such service may charge a fee depending on the Card funding option you select. The terms and conditions, including the applicable fees, will be provided to you at the Cardtime you sign up for the service. You must then arrange to pay can sign up for this service by visiting xxxxx://xxx.xxxxxxxxx.xxx. The service provider should notify you about any fees for a particular load before you authorize the difference using another payment methodload. 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, 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 $100 or more, even if the purchase amount is less than $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 periodGenerally, you will not have access to the preauthorized amountmoney you load via the Mobile Cashed Check Load service until your check clears (this can take up to ten (10) business days). Depending on your remaining balanceThe service provider may offer immediate funds availability for a fee. See the Ingo Money Service Terms and Conditions at xxxxx://xxxxxxxxx.xxx/terms- conditions.html for limitations and complete details. Currently, these are 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 only methods that you use can load your Card at a restaurant, a hotel, for a car rental purchase, by check 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. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail money 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 transaction and any applicable fees. 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 result in a hold for that amount of funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can 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 balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-000-000-0000, or writing to us at Cardholder Services, Inc. PO 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 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 South Carolina State TruStone Financial Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer; or (c) visiting xxx.xxxxx.xxx/xxxxxxx XxxXxxxxXxxxxxxxx.xxx or calling 0-000-000-0000 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 $20.0010.00. The maximum amount of the initial cash load and each cash reload is $5,000.00 5,000 per transaction, with a total cumulative cash load/reload limit of $5,000.00 5,000 per day. The maximum amount of value that can reside on the Card at any time is $5,000.005,000. The number of loads on a Non-Personalized Card is limited to 3 loads in 5 days, including the initial load. Personalized Cards have unlimited reload capabilities. 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 to the Card at our sole discretion. With the 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. Using Your Card/Features The maximum amount that [You can be spent on your Card per day is $1,500.00. The maximum value of your Card is restricted to $5,000.00receive Automated Clearing House (“ACH”) direct deposits. You may use provide your Card Account number for these deposits, but you agree not to purchase or lease goods or services whereverprovide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, in most instancesyou agree to be bound by the rules and regulations of the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, Visa Debit cards are accepted as long as the “NACHA Rules”), the rules of any local ACH, and the rules of any other system through which the entry is made. Provisional Payment. Credit we give you with respect to an ACH credit entry is provisional until we receive final settlement for that entry through a Federal Reserve Bank. If we do not exceed receive final settlement, you agree that we are entitled to a refund of the value available on amount credited to you in connection with the entry, and the party making the payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. Under the NACHA Rules, which are applicable to ACH transactions involving your Card Account, we are not required to give next day notice to you of receipt of ACH item and we will not do so. Some merchants do not allow cardholders However, we will continue to conduct split transactions where notify you would use the Card as partial payment for goods and services and pay the remainder of the balance with another form receipt of legal tender. If you wish to conduct a split payments in the account 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, 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 $100 or more, even if the purchase amount is less than $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 history made 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. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. 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 transaction and any applicable fees. 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 result in a hold for that amount of funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can 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 balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-000-000-0000, or writing to us at Cardholder Services, Inc. PO 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 madeyou.]

Loading Your Card. You may 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 South Carolina State Federal Credit Union ESL branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer; or (c) visiting xxx.xxxxx.xxx/xxxxxxx xxx.xxx or calling 0-000-000-0000 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 $20.001.00. The maximum amount of the initial cash load and each cash reload is $5,000.00 10,000.00 per transaction, with a total cumulative cash load/reload limit of $5,000.00 10,000.00 per day. The maximum amount of value that can reside on the Card at any time is $5,000.0010,000.00. The number of loads on a Non-Personalized Card is limited to four reloads, including the initial load. Personalized Cards have unlimited reload capabilitiesare 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 to the Card at our sole discretion. With the 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 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. Provisional Payment. Credit we give you with respect to an ACH credit entry is provisional until we receive final settlement for that entry through a Federal Reserve Bank. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making the payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. Under the NACHA Rules, which are applicable to ACH transactions involving your Card Account, we are not required to give next day notice to you of receipt of ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the account transaction history made available to you. Using Your Card/Features The maximum amount that can be spent on your Card per day is $1,500.002,500.00. The maximum value of your Card is restricted to $5,000.0010,000.00. 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 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 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, 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 $100 99.00 or more, even if the purchase amount is less than $10099.00. 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 three (3) days 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 thirty (30) 30 days. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. 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 transaction and any applicable fees. 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 result in a hold for that amount of funds for up to thirty (30) 30 days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can 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 balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-000-000-0000000.000.0000, or writing to us at Cardholder ServicesServices P.O. Box 550578 Ft. Lauderdale, Inc. PO Box 7235 Sioux Falls, SD 57117-7235FL 33355. If you notify us orally by telephone, we may require you to provide a written confirmation within fourteen (14) 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 (3) business days or more before the payment is scheduled to be made.

Loading Your Card. You may 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 South Carolina State Hawaiian Financial Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfertransfer (For Personalized Cards only); or (c) visiting xxx.xxxxx.xxx/xxxxxxx xxxxx://xxx.xxxxxx.xxx/ or calling 0-(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 $20.0050.00. 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 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 capabilitiescapabilities 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 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 sole discretion. With the 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 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. Non-Personalized Cards cannot accept or utilize ACH direct deposits. Provisional Payment. Credit we give you with respect to an ACH credit entry is provisional until we receive final settlement for that entry through a Federal Reserve Bank. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making the payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. Under the NACHA Rules, which are applicable to ACH transactions involving your Card Account, we are not required to give next day notice to you of receipt of ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the account transaction history made available to you. Using Your Card/Features The maximum amount that can be spent on your Card per day is $1,500.005,000.00. The maximum value of your Card is restricted to $5,000.00. 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 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 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, 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 $100 99 or more, even if the purchase amount is less than $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 $15. 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 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 transaction and any applicable fees. 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 result in a hold for that amount of funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment payment, you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-(000) 000-000-0000, 0000 or writing to us at Cardholder Services, Inc. PO Services P.O. Box 7235 Sioux Falls, SD 57117-57117- 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 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 South Carolina State MC Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfertransfer and receive the funds up to 2 days early dependent on the timing of payer’s submission of ach deposit versus the scheduled payment date; or (c) visiting xxx.xxxxx.xxx/xxxxxxx [internet address] or calling 0-000-000-0000 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 a U.S. financial institution by means of using the Bank’s online banking system; or e) visit participating Visa ReadyLink merchants to reload, merchants reserve the right to charge a fee. Find a Visa ReadyLink merchant at: xxxxx://xxx.xxxx.xxx/pay-with-visa/cards/services-locator.html. 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 $20.00. The maximum amount of the initial cash load and each cash reload is $5,000.00 500 per transaction, with a total cumulative cash load/reload limit of $5,000.00 1500 per day7 days. The maximum amount of value that can reside on the Card at any time is $5,000.005000. 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 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 to the Card at our sole discretion. With the 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. Using Your Card/Features The maximum amount that You can be spent on your Card per day is $1,500.00. The maximum value of your Card is restricted to $5,000.00receive Automated Clearing House (“ACH”) direct deposits. You may use provide your Card Account number for these deposits, but you agree not to purchase or lease goods or services whereverprovide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, in most instancesyou agree to be bound by the rules and regulations of the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, Visa Debit cards are accepted as long as the “NACHA Rules”), the rules of any local ACH, and the rules of any other system through which the entry is made. Provisional Payment. Credit we give you with respect to an ACH credit entry is provisional until we receive final settlement for that entry through a Federal Reserve Bank. If we do not exceed receive final settlement, you agree that we are entitled to a refund of the value available on amount credited to you in connection with the entry, and the party making the payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. Under the NACHA Rules, which are applicable to ACH transactions involving your Card Account, we are not required to give next day notice to you of receipt of ACH item and we will not do so. Some merchants However, we will continue to notify you of the receipt of payments in the account transaction history made available to you. You may also use the Mobile Cashed Check Load service offered by Ingo Money, Inc. (a third-party service provider) to load funds from eligible cashed checks to your Card using your mobile device. Even though we may allow use of the Mobile Cashed Check Load service to add money to your Card, we do not allow cardholders to conduct split transactions where you would provide this service and are not responsible for any service-related issues. To use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchantthis service, you must tell to agree to the merchant terms and conditions the service provider establishes from time to time. Although we do not charge only any fees in connection with Mobile Cashed Check Loads, the exact amount of funds available service provider providing such service may charge a fee depending on the Card funding option you select. The terms and conditions, including the applicable fees, will be provided to you at the Cardtime you sign up for the service. You must then arrange to pay can sign up for this service by visiting xxxxx://xxx.xxxxxxxxx.xxx. The service provider should notify you about any fees for a particular load before you authorize the difference using another payment methodload. 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, 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 $100 or more, even if the purchase amount is less than $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 periodGenerally, you will not have access to the preauthorized amountmoney you load via the Mobile Cashed Check Load service until your check clears (this can take up to ten (10) business days). Depending on your remaining balanceThe service provider may offer immediate funds availability for a fee. See the Ingo Money Service Terms and Conditions at xxxxx://xxxxxxxxx.xxx/terms-conditions.html for limitations and complete details. Currently, these are 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 only methods that you use can load your Card at a restaurant, a hotel, for a car rental purchase, by check 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. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail money 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 transaction and any applicable fees. 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 result in a hold for that amount of funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can 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 balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-000-000-0000, or writing to us at Cardholder Services, Inc. PO 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 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 South Carolina State Xxxxxxx Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfertransfer and receive the funds up to 2 days early dependent on the timing of payer’s submission of ach deposit versus the scheduled payment date; or (c) visiting xxx.xxxxx.xxx/xxxxxxx xxx.xxxx.xxx or calling 0-000-000-0000 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 a U.S. financial institution by means of using the Bank’s online banking system; or e) visit participating Visa ReadyLink merchants to reload, merchants reserve the right to charge a fee. Find a Visa ReadyLink merchant at: xxxxx://xxx.xxxx.xxx/pay-with-visa/cards/services-locator.html. 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 $20.0010.00. The maximum amount of the initial cash load and each cash reload is $5,000.00 2500.00 per transaction, with a total cumulative cash load/reload limit of $5,000.00 2500.00 per day. The maximum amount of value that can reside on the Card at any time is $5,000.002500.00. 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 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 to the Card at our sole discretion. With the 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. Using Your Card/Features The maximum amount that You can be spent on your Card per day is $1,500.00. The maximum value of your Card is restricted to $5,000.00receive Automated Clearing House (“ACH”) direct deposits. You may use provide your Card Account number for these deposits, but you agree not to purchase or lease goods or services whereverprovide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, in most instancesyou agree to be bound by the rules and regulations of the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, Visa Debit cards are accepted as long as the “NACHA Rules”), the rules of any local ACH, and the rules of any other system through which the entry is made. Provisional Payment. Credit we give you with respect to an ACH credit entry is provisional until we receive final settlement for that entry through a Federal Reserve Bank. If we do not exceed receive final settlement, you agree that we are entitled to a refund of the value available on amount credited to you in connection with the entry, and the party making the payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. Under the NACHA Rules, which are applicable to ACH transactions involving your Card Account, we are not required to give next day notice to you of receipt of ACH item and we will not do so. Some merchants However, we will continue to notify you of the receipt of payments in the account transaction history made available to you. You may also use the Mobile Cashed Check Load service offered by Ingo Money, Inc. (a third-party service provider) to load funds from eligible cashed checks to your Card using your mobile device. Even though we may allow use of the Mobile Cashed Check Load service to add money to your Card, we do not allow cardholders to conduct split transactions where you would provide this service and are not responsible for any service-related issues. To use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchantthis service, you must tell agree to the merchant terms and conditions the service provider establishes from time to time. Although we do not charge only any fees in connection with Mobile Cashed Check Loads, the exact amount of funds available service provider providing such service may charge a fee depending on the Card funding option you select. The terms and conditions, including the applicable fees, will be provided to you at the Cardtime you sign up for the service. You must then arrange to pay can sign up for this service by visiting xxxxx://xxx.xxxxxxxxx.xxx. The service provider should notify you about any fees for a particular load before you authorize the difference using another payment methodload. 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, 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 $100 or more, even if the purchase amount is less than $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 periodGenerally, you will not have access to the preauthorized amountmoney you load via the Mobile Cashed Check Load service until your check clears (this can take up to ten (10) business days). Depending on your remaining balanceThe service provider may offer immediate funds availability for a fee. See the Ingo Money Service Terms and Conditions at xxxxx://xxxxxxxxx.xxx/terms-conditions.html for limitations and complete details. Currently, these are 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 only methods that you use can load your Card at a restaurant, a hotel, for a car rental purchase, by check 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. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail money 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 transaction and any applicable fees. 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 result in a hold for that amount of funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can 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 balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-000-000-0000, or writing to us at Cardholder Services, Inc. PO 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 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 South Carolina State Xxxxxxx Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfertransfer and receive the funds up to 2 days early dependent on the timing of payer’s submission of ach deposit versus the scheduled payment date; or (c) visiting xxx.xxxxx.xxx/xxxxxxx xxx.xxxx.xxx or calling 0866-000-000-0000 760- 3156 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 a U.S. financial institution by means of using the Bank’s online banking system; or e) visit participating Visa ReadyLink merchants to reload, merchants reserve the right to charge a fee. Find a Visa ReadyLink merchant at: xxxxx://xxx.xxxx.xxx/pay-with-visa/cards/services-locator.html. 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 $20.0050.00. The maximum amount of the initial cash load and each cash reload is $5,000.00 5000.00 per transaction, with a total cumulative cash load/reload limit of $5,000.00 5000.00 per day. The maximum amount of value that can reside on the Card at any time is $5,000.005000.00. 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 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 to the Card at our sole discretion. With the 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. Using Your Card/Features The maximum amount that You can be spent on your Card per day is $1,500.00. The maximum value of your Card is restricted to $5,000.00receive Automated Clearing House (“ACH”) direct deposits. You may use provide your Card Account number for these deposits, but you agree not to purchase or lease goods or services whereverprovide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, in most instancesyou agree to be bound by the rules and regulations of the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, Visa Debit cards are accepted as long as the “NACHA Rules”), the rules of any local ACH, and the rules of any other system through which the entry is made. Provisional Payment. Credit we give you with respect to an ACH credit entry is provisional until we receive final settlement for that entry through a Federal Reserve Bank. If we do not exceed receive final settlement, you agree that we are entitled to a refund of the value available on amount credited to you in connection with the entry, and the party making the payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. Under the NACHA Rules, which are applicable to ACH transactions involving your Card Account, we are not required to give next day notice to you of receipt of ACH item and we will not do so. Some merchants However, we will continue to notify you of the receipt of payments in the account transaction history made available to you. You may also use the Mobile Cashed Check Load service offered by Ingo Money, Inc. (a third-party service provider) to load funds from eligible cashed checks to your Card using your mobile device. Even though we may allow use of the Mobile Cashed Check Load service to add money to your Card, we do not allow cardholders to conduct split transactions where you would provide this service and are not responsible for any service-related issues. To use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchantthis service, you must tell to agree to the merchant terms and conditions the service provider establishes from time to time. Although we do not charge only any fees in connection with Mobile Cashed Check Loads, the exact amount of funds available service provider providing such service may charge a fee depending on the Card funding option you select. The terms and conditions, including the applicable fees, will be provided to you at the Cardtime you sign up for the service. You must then arrange to pay can sign up for this service by visiting xxxxx://xxx.xxxxxxxxx.xxx. The service provider should notify you about any fees for a particular load before you authorize the difference using another payment methodload. 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, 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 $100 or more, even if the purchase amount is less than $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 periodGenerally, you will not have access to the preauthorized amountmoney you load via the Mobile Cashed Check Load service until your check clears (this can take up to ten (10) business days). Depending on your remaining balanceThe service provider may offer immediate funds availability for a fee. See the Ingo Money Service Terms and Conditions at xxxxx://xxxxxxxxx.xxx/terms-conditions.html for limitations and complete details. Currently, these are 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 only methods that you use can load your Card at a restaurant, a hotel, for a car rental purchase, by check 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. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail money 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 transaction and any applicable fees. 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 result in a hold for that amount of funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can 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 balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-000-000-0000, or writing to us at Cardholder Services, Inc. PO 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 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 South Carolina State Hawaiian Financial Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfertransfer (For Personalized Cards only); or (c) visiting xxx.xxxxx.xxx/xxxxxxx xxxxx://xxx.xxxxxx.xxx/ or calling 0-(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 $20.0050.00. 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 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 capabilitiescapabilities 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 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 sole discretion. With the 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 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. Non-Personalized Cards cannot accept or utilize ACH direct deposits. Provisional Payment. Credit we give you with respect to an ACH credit entry is provisional until we receive final settlement for that entry through a Federal Reserve Bank. If we do not receive final settlement, you agree that we are entitled to a refund of the amount credited to you in connection with the entry, and the party making the payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. Under the NACHA Rules, which are applicable to ACH transactions involving your Card Account, we are not required to give next day notice to you of receipt of ACH item and we will not do so. However, we will continue to notify you of the receipt of payments in the account transaction history made available to you. Using Your Card/Features The maximum amount that can be spent on your Card per day is $1,500.005,000.00. The maximum value of your Card is restricted to $5,000.00. 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 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 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, 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 $100 175 or more, even if the purchase amount is less than $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 $15. 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 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 transaction and any applicable fees. 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 result in a hold for that amount of funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment payment, you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-(000) 000-000-0000, 0000 or writing to us at Cardholder Services, Inc. PO Services P.O. Box 7235 Sioux Falls, SD 57117-57117- 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 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 South Carolina State Xxxxxxx Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfertransfer and receive the funds up to 2 days early dependent on the timing of payer’s submission of ach deposit versus the scheduled payment date; or (c) visiting xxx.xxxxx.xxx/xxxxxxx xxx.xxxx.xxx or calling 0866-000-000-0000 901- 8090 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 a U.S. financial institution by means of using the Bank’s online banking system; or e) visit participating Visa ReadyLink merchants to reload, merchants reserve the right to charge a fee. Find a Visa ReadyLink merchant at: xxxxx://xxx.xxxx.xxx/pay-with-visa/cards/services-locator.html. 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 $20.0010.00. The maximum amount of the initial cash load and each cash reload is $5,000.00 2500.00 per transaction, with a total cumulative cash load/reload limit of $5,000.00 2500.00 per day. The maximum amount of value that can reside on the Card at any time is $5,000.002500.00. 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 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 to the Card at our sole discretion. With the 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. Using Your Card/Features The maximum amount that You can be spent on your Card per day is $1,500.00. The maximum value of your Card is restricted to $5,000.00receive Automated Clearing House (“ACH”) direct deposits. You may use provide your Card Account number for these deposits, but you agree not to purchase or lease goods or services whereverprovide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, in most instancesyou agree to be bound by the rules and regulations of the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, Visa Debit cards are accepted as long as the “NACHA Rules”), the rules of any local ACH, and the rules of any other system through which the entry is made. Provisional Payment. Credit we give you with respect to an ACH credit entry is provisional until we receive final settlement for that entry through a Federal Reserve Bank. If we do not exceed receive final settlement, you agree that we are entitled to a refund of the value available on amount credited to you in connection with the entry, and the party making the payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. Under the NACHA Rules, which are applicable to ACH transactions involving your Card Account, we are not required to give next day notice to you of receipt of ACH item and we will not do so. Some merchants However, we will continue to notify you of the receipt of payments in the account transaction history made available to you. You may also use the Mobile Cashed Check Load service offered by Ingo Money, Inc. (a third-party service provider) to load funds from eligible cashed checks to your Card using your mobile device. Even though we may allow use of the Mobile Cashed Check Load service to add money to your Card, we do not allow cardholders to conduct split transactions where you would provide this service and are not responsible for any service-related issues. To use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchantthis service, you must tell agree to the merchant terms and conditions the service provider establishes from time to time. Although we do not charge only any fees in connection with Mobile Cashed Check Loads, the exact amount of funds available service provider providing such service may charge a fee depending on the Card funding option you select. The terms and conditions, including the applicable fees, will be provided to you at the Cardtime you sign up for the service. You must then arrange to pay can sign up for this service by visiting xxxxx://xxx.xxxxxxxxx.xxx. The service provider should notify you about any fees for a particular load before you authorize the difference using another payment methodload. 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, 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 $100 or more, even if the purchase amount is less than $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 periodGenerally, you will not have access to the preauthorized amountmoney you load via the Mobile Cashed Check Load service until your check clears (this can take up to ten (10) business days). Depending on your remaining balanceThe service provider may offer immediate funds availability for a fee. See the Ingo Money Service Terms and Conditions at xxxxx://xxxxxxxxx.xxx/terms- conditions.html for limitations and complete details. Currently, these are 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 only methods that you use can load your Card at a restaurant, a hotel, for a car rental purchase, by check 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. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail money 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 transaction and any applicable fees. 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 result in a hold for that amount of funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can 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 balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-000-000-0000, or writing to us at Cardholder Services, Inc. PO 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 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 South Carolina State Federal Del Norte Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfer; or (c) visiting xxx.xxxxx.xxx/xxxxxxx xxx.xxxx.xxx or calling 0-000-000-0000 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 $20.00. 50.00 The maximum amount of the initial cash load and each cash reload is $5,000.00 1,000.00 per transaction, with a total cumulative cash load/reload limit of $5,000.00 1,000.00 per day. The maximum amount of value that can reside on the Card at any time is $5,000.005,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cards. 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 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 to the Card at our sole discretion. With the 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. Using Your Card/Features The maximum amount that can be spent on your Card per day is $1,500.001,700.00. The maximum value of your Card is restricted to $5,000.005,000.00 for Personalized Cards and $4,000.00 for Non-Personalized Cards. 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 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 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, 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 $100 74.00 or more, even if the purchase amount is less than $10074.00. 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 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. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $1515.00. 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 transaction and any applicable fees. 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 result in a hold for that amount of funds for up to thirty three (303) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can stop any of these payments. To stop a payment payment, you must provide sufficient advance notice to the party that you authorized to debit your Card balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-000-000-0000, or writing to us at Cardholder Services, Inc. Services PO 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 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 (“reload”) to your Card in any of the following ways: (a) making a payment at your local South Carolina State Federal Credit Union branchone of our branches; (b) having a direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfertransfer and receive the funds up to two (2) days early dependent on the timing of payer’s submission of ACH deposit versus the scheduled payment date; or (c) logging into My Card Manager which can be accessed by visiting xxx.xxxxx.xxx/xxxxxxx xxxxx://xxx.xxxx.xxx/prepaidcards and clicking on “Activate or Manage Prepaid Reloadable Card”; (d) calling 0-000-000-0000 to initiate an ACH funds transfer from your designated funding account; (e) transferring funds to your Card from an eligible checking or savings account held by you at a U.S. financial institution by means of using our online banking system; or (f) visiting participating Mastercard rePower merchants to reload. Mastercard rePower merchants reserve the right to charge a fee. Find a Mastercard rePower merchant at xxxxx://xxx.xxxxxxxxxx.xx/en-us/consumers/get-support/reload-a-prepaid- card.html. 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 $20.00. The maximum amount of the initial cash load and each cash reload is $5,000.00 1,250.00 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 at any time is $5,000.00. 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 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 to the Card at our sole discretion. With the 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. Using Your Non-Personalized Card/Features The maximum amount that can be spent on your Card per day is $1,500.00. The maximum value of your cardholder’s name is not printed on the Reloadable Prepaid Card. The Card is restricted to $5,000.00. 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 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 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, your Card is likely to be declined. If you use your Card at an automated fuel dispenser ("pay activated at the pump"), the merchant may preauthorize the transaction amount up to $100 or more, even if the time of purchase amount is less than $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 at one 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. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. 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 transaction and any applicable fees. 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 result in a hold for that amount of funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can 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 balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-000-000-0000, or writing to us at Cardholder Services, Inc. PO 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 madeour local branches.

Loading Your Card. You may 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 South Carolina State Democracy Federal Credit Union branch; (b) direct deposit to the Card through an Automated Clearing House (“ACH”) funds transfertransfer and receive the funds up to 2 days early dependent on the timing of payer’s submission of ach deposit versus the scheduled payment date; or (c) visiting xxx.xxxxx.xxx/xxxxxxx [internet address] or calling 0-000-000-0000 [telephone number] 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 a U.S. financial institution by means of using the Bank’s online banking system; or e) visit participating Visa ReadyLink merchants to reload, merchants reserve the right to charge a fee. Find a Visa ReadyLink merchant at: xxxxx://xxx.xxxx.xxx/pay-with-visa/cards/services-locator.html. 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 $20.0025. The maximum amount of the initial cash load and each cash reload is $5,000.00 3,000 per transaction, with a total cumulative cash load/reload limit of $5,000.00 3,000 per day. The maximum amount of value that can reside on the Card at any time is $5,000.003,000. The number of loads on a Non-Personalized Card is limited to 4 including the initial load. Personalized Cards have unlimited reload capabilities. 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 to the Card at our sole discretion. With the 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. Using Your Card/Features The maximum amount that You can be spent on your Card per day is $1,500.00. The maximum value of your Card is restricted to $5,000.00receive Automated Clearing House (“ACH”) direct deposits. You may use provide your Card Account number for these deposits, but you agree not to purchase or lease goods or services whereverprovide your Card Account number to third parties to withdraw funds. If you are a party to an ACH entry, in most instancesyou agree to be bound by the rules and regulations of the National Automated Clearing House Association ("NACHA") Operating Rules and Guidelines (collectively, Visa Debit cards are accepted as long as the “NACHA Rules”), the rules of any local ACH, and the rules of any other system through which the entry is made. Provisional Payment. Credit we give you with respect to an ACH credit entry is provisional until we receive final settlement for that entry through a Federal Reserve Bank. If we do not exceed receive final settlement, you agree that we are entitled to a refund of the value available on amount credited to you in connection with the entry, and the party making the payment to you via such entry (i.e., the originator of the entry) shall not be deemed to have paid you in the amount of such entry. Notice of Receipt. Under the NACHA Rules, which are applicable to ACH transactions involving your Card Account, we are not required to give next day notice to you of receipt of ACH item and we will not do so. Some merchants However, we will continue to notify you of the receipt of payments in the account transaction history made available to you. You may also use the Mobile Cashed Check Load service offered by Ingo Money, Inc. (a third-party service provider) to load funds from eligible cashed checks to your Card using your mobile device. Even though we may allow use of the Mobile Cashed Check Load service to add money to your Card, we do not allow cardholders to conduct split transactions where you would provide this service and are not responsible for any service-related issues. To use the Card as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. If you wish to conduct a split transaction and it is permitted by the merchantthis service, you must tell to agree to the merchant terms and conditions the service provider establishes from time to time. Although we do not charge only any fees in connection with Mobile Cashed Check Loads, the exact amount of funds available service provider providing such service may charge a fee depending on the Card funding option you select. The terms and conditions, including the applicable fees, will be provided to you at the Cardtime you sign up for the service. You must then arrange to pay can sign up for this service by visiting xxxxx://xxx.xxxxxxxxx.xxx. The service provider should notify you about any fees for a particular load before you authorize the difference using another payment methodload. 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, 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 $100 or more, even if the purchase amount is less than $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 periodGenerally, you will not have access to the preauthorized amountmoney you load via the Mobile Cashed Check Load service until your check clears (this can take up to ten (10) business days). Depending on your remaining balanceThe service provider may offer immediate funds availability for a fee. See the Ingo Money Service Terms and Conditions at xxxxx://xxxxxxxxx.xxx/terms-conditions.html for limitations and complete details. Currently, these are 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 only methods that you use can load your Card at a restaurant, a hotel, for a car rental purchase, by check 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. If you use your Card to make a telephone call, you may be required to have a minimum available balance of greater than $15. If you use your Card number without presenting your Card (such as for a mail money 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 transaction and any applicable fees. 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 result in a hold for that amount of funds for up to thirty (30) days. You may use your Card for any Recurring Transactions. "Recurring Transactions" are transactions that you authorize to have automatically charged to your Card each month or other specified period with or without any further action on your part. Examples of merchants that may use Recurring Transactions include wireless carriers, internet service providers, health clubs, insurance companies that automatically charge monthly premiums, and cable TV services. If you have pre-authorized a third party to deduct Recurring Transactions, you can 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 balance to allow that party to stop payment before the next payment is scheduled to be made. You may notify us by calling 0-000-000-0000, or writing to us at Cardholder Services, Inc. PO 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.