Common use of MasterMoney Debit Card Clause in Contracts

MasterMoney Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agre e to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Cirrus® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Withdraw funds from your share and checking accounts. - Transfer funds from your share and checking accounts. - Obtain balance information for your share and checking accounts. - Access your Overdraft Line-of-Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Mastercard. - Order goods or services by mail or telephone from places that accept Mastercard. The following limitations on MasterMoney Debit Card transactions may apply: - You may make 20 MasterMoney Debit Card purchases per day. - Purchase amounts are limited to the amount in your account with a maximum of $2,000.00 per day. - You may make 5 cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

MasterMoney Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agre e agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Cirrus® Pulse and Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your share savings and checking accounts. - Transfer funds from your share savings and checking accounts. - Obtain balance information for your share savings and checking accounts. - Access your Overdraft Line-of-Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Mastercard. - Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on MasterMoney Debit Card transactions may apply: - You There is no limit to the number of cash withdrawals you may make 20 MasterMoney Debit Card purchases per day. - Purchase amounts are limited to the amount in your account with a maximum of $2,000.00 per day. - You may make 5 cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $1,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

MasterMoney Debit Card. If approved, you may use your Mastercard® card Card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number member security information before you will be permitted to complete the transaction. You agree that you will not use your card Card for any transaction that is illegal under applicable federal, state, state or local law. Funds to cover your card Card purchases will be deducted from your checking account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if If the balance in your account is not sufficient to pay the transaction amount, the credit union may not pay the amount and the transaction may be declined. If you have elected to enroll in the Credit Union’s Overdraft Privilege Extended Coverage Program, the Credit Union may pay the amount of insufficient ATM and one-time debit transactions and assess the appropriate fee (for complete details of this program, please refer to the Credit Union’s Overdraft Privilege Policy). If you have elected to have an overdraft transfer source, we will treat the this transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, accounts or loan accounts that you have established with the Credit Union, and the appropriate fee will be assessed. If you initiate a transaction that overdraws your accountAccount, you agre e agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card Card and personal identification number PIN (PINPersonal Identification Number) in ATMs automated teller machines of the Credit Union, Cirrus® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card Card to: - • Withdraw funds from your share and checking share draft accounts. - • Transfer funds from your share and checking share draft accounts. - • Obtain balance information for your share and checking share draft accounts. - Access your Overdraft Line• Deposit checks and/or cash at a Members First ATM. • Make POS (Point-of-Credit accounts. - Make point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept MastercardMasterCard®. - • Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on the frequency and amount of MasterMoney Debit Card transactions may apply: - You may make 20 • There is no limit on the number of MasterMoney Debit Card purchases you make per day. - Purchase amounts are limited • You may purchase up to the amount in your account with a maximum of $2,000.00 4,000 per day. - • You may make 5 purchase up to a maximum of $4,000 per debit card purchase. • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $500.00 1,500 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - • There is no limit on the number of POS transactions you may make in any one day. • You may purchase up to a maximum of $4,000 from POS terminals per day, if there are sufficient funds in your account. • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - • You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions.

MasterMoney Debit Card. If approved, you You may use your Mastercard® card Card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You xxxxxxxxxxx.Xxx agree that you will not use your card Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card Card purchases will be deducted from your checking account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your accountAccount, you agre e agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You Xxxxxxxxx.Xxx may use your card Card and personal identification number PIN (PINPersonal Identification Number) in ATMs automated teller machines of the Credit Union, Cirrus® STAR, Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card Card to: - • Withdraw funds from your share savings and checking accounts. - Transfer funds from • Access your share and checking accountsOverdraft protection account. - • Obtain balance information for your share savings and checking accounts. - Access your Overdraft Line• Make POS (Point-of-Credit accounts. - Make point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept Mastercardmerchants. - • Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on the frequency and amount of MasterMoney Debit Card transactions may apply: - You may make 20 MasterMoney Debit Card • Your purchases per day. - Purchase amounts are limited to the amount in your account with a maximum of up to $2,000.00 1,500.00 per day. - You may make 5 cash withdrawals in any one (1) day from an ATM machine. - • You may withdraw up to a maximum amount of $500.00 per day ATM/POS. • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions. CU*Talk (Audio Response). If we approve the CU*Talk audio response access for your accounts, a separate PIN (Personal Identification Number) will be assigned to xxx.Xxx must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use the audio response access service to: • Withdraw funds from your savings, checking and money market accounts. • Transfer funds from your savings and checking and money market, accounts. • Obtain balance information for your savings, checking, money market ,christmas savings , college savings, and vacation savings accounts. • Make loan payments from your savings, checking , and money market accounts. • Access your Line of Credit account. • Determine if a particular item has cleared. • Obtain information on amounts earned on savings and checking accounts or interest paid on loan accounts, for tax purposes. • Verify the last date and amount of your payroll deposit. Your accounts can be accessed under the CU*Talk audio response service via a touch tone telephone only. CU*Talk service will be available for your convenience twenty-four (24) hours per day.This service may be interrupted for a short time each day for data processing. • There is no limit to the number of inquiries, you may make in any one day. • See Section 2 for transfer limitations that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call.

MasterMoney Debit Card. If approved, you You may use your Mastercard® card Card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card Card purchases will be deducted from your checking account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactionstransaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agre e agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card Card and personal identification number PIN (PINPersonal Identification Number) in ATMs automated teller machines of the Credit Union, Cirrus® ACCEL/Exchange, Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card Card to: - • Make deposits to your savings and checking accounts. • Withdraw funds from your share savings and checking accounts. - • Transfer funds from your share savings and checking accounts. - • Obtain balance information for your share savings and checking accounts. - • Access your Overdraft LineLine of Credit account. • Make POS (Point-of-Credit accounts. - Make point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept MastercardMasterCard. - • Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on the frequency and amount of MasterMoney Debit Card transactions may apply: - You may make 20 MasterMoney Debit Card purchases per day. - • Purchase amounts are limited to the amount in your account with account. • You may purchase up to a maximum of $2,000.00 per calendar day. - You may make 5 cash withdrawals in any one • Maximum ATM withdrawal and POS (1PIN based) transactions per calendar day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine500.00, if there are sufficient funds in your account. - • A combined maximum of 25 ATM withdrawals and POS transactions per calendar day. (You may make ten (10) cash withdrawals per calendar day from an ATM machine and up to 25 POS (PIN based) transactions per calendar day.) • For security purposes, there are other limits on the frequency and amount of transfers available at ATMsATMs and POS terminals. - • You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions.

MasterMoney Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agre e agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Cirrus® NYCE, Maestro, CO-OP, and Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your share, share draft, and loan accounts. - Withdraw funds from your share, share draft, and checking loan accounts. - Transfer funds from your share, share draft, and checking loan accounts. - Obtain balance information for your share, share draft, and loan accounts. - Make loan payments from your share and checking share draft accounts. - Access your Overdraft Line-of-Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on MasterMoney Debit Card transactions may apply: - You may make 20 15 MasterMoney Debit Card purchases per day. - Purchase amounts are limited You may purchase up to the amount in your account with a maximum of $2,000.00 per day, if there are sufficient funds in your account. - You may make 5 ten (10) cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may make ten (10) POS transactions in any one (1) day. - You may purchase up to a maximum of $500.00 from POS terminals per day, if there are sufficient funds in your account. - You may make three (3) offline cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $200.00 offline in any one (1) day. - You may make ten (10) offline POS transactions in any one (1) day. - You may purchase up to a maximum of $500.00 offline from POS terminals per day. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

MasterMoney Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agre e agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Cirrus® Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Withdraw funds from your share and checking accounts. - Transfer funds from your share and checking accounts. - Obtain balance information for your share and checking accounts. - Access your Overdraft Line-of-Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on MasterMoney Debit Card transactions may apply: - You may make 20 MasterMoney Debit Card purchases per day. - Purchase amounts are limited to the amount in your account with a maximum of $2,000.00 per day. - You may make 5 five (5) cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

MasterMoney Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. For ATM and one-time onetime debit card transactions, you must consent to the Credit Union’s 's overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. , If you initiate a transaction that overdraws your account, you agre e agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, STAR, Cirrus®, and PLUS® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Withdraw -Make deposits to your share and share draft accounts. -Withdraw funds from your share and checking share draft accounts. - Transfer -Transfer funds from your share and checking share draft accounts. - Obtain -Obtain balance information for your share and checking share draft accounts. - Access -Make loan payments from your Overdraft Line-of-Credit share and share draft accounts. - Make -Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Mastercard. - Order -Order goods or services online or by mail or telephone from places that accept Mastercard. The following limitations on MasterMoney Debit Card transactions may apply: - You may make 20 -There is no limit on the number of MasterMoney Debit Card purchases you -You may purchase up to a maximum of S1,000.00 per day. - Purchase amounts are limited -There is no limit to the amount in your account with a maximum number of $2,000.00 per day. - You cash withdrawals you may make 5 cash withdrawals in any one (1) day from an ATM machine. - You -You may withdraw up to a maximum of $500.00 S250.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - For security purposes, • You may purchase up to a maximum of $1,000.00 from POS terminals per day, if there are other limits on the frequency and amount of transfers available at ATMssufficient funds in your account. - You -You may transfer up to the available balance in your accounts at the this time of the transfer. - See -See Section 2 for transfer limitations that may apply to these transactions.

MasterMoney Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agre e agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Cirrus® Pulse and Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your share savings and checking accounts. - Transfer funds from your share savings and checking accounts. - Obtain balance information for your share savings and checking accounts. - Access your Overdraft Line-of-Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Mastercard. - Order goods or services online or by mail or telephone from places that accept Mastercard. The following limitations on MasterMoney Debit Card transactions may apply: - You There is no limit to the number of cash withdrawals you may make 20 MasterMoney Debit Card purchases per day. - Purchase amounts are limited to the amount in your account with a maximum of $2,000.00 per day. - You may make 5 cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $1,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

MasterMoney Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, accounts or loan accounts that you have established with the Credit Union. credit union, If you initiate a transaction that overdraws your account, you agre e agree to make immediate payment of any overdrafts together with any service charges to the Credit Unioncredit union. In the event of repeated overdrafts, the Credit Union credit union may terminate all services under this Agreementagreement. You may use your card and personal identification number (PIN) in ATMs ATM5 of the Credit Unioncredit union, Cirrus® networks, and such other machines or facilities as the Credit Union credit union may designate. At the present time, you may also use your card to: - • Withdraw funds from your share savings and checking accounts. - • Transfer funds from your share savings and checking accounts. - • Obtain balance information for your share savings and checking accounts. - Access your Overdraft Line-of-Credit accounts. - • Make point-of-sale (POSPUS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - • Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on the frequency and amount of MasterMoney Debit Card transactions may apply: - •There are daily withdrawal and purchase limits. You may make 20 MasterMoney Debit Card purchases per daywill be notified of these limits by the credit union before you receive your access card. - Purchase amounts are limited to the amount in your account with a maximum of $2,000.00 per day. - You may make 5 cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - For •For security purposes, there are other limits on the frequency and amount of transfers available at ATMsATMS. - You •You may transfer up to the available balance in your accounts at the time of the transfer. - See •See Section 2 for transfer limitations that may apply to these transactions.

MasterMoney Debit Card. If approved, you You may use your Mastercard® card Card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card Card purchases will be deducted from your share draft/checking account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your accountAccount, you agre e agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card Card and personal identification number PIN (PINPersonal Identification Number) in ATMs automated teller machines of the Credit Union, Cirrus® Moneypass, Pulse, Alliance One, Mastercard networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the MasterCard and Pulse networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non- MasterCard networks. To initiate a MasterCard Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a MasterCard network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card Card to: - • Withdraw funds from your share and checking accounts. - • There is no limit to the number of cash withdrawals you may take in one day from an ATM machine. • Make deposits to your share and checking accounts. • Transfer funds from your share and checking accounts. - Obtain balance information for your share and checking accounts. - Access your Overdraft Line• Make POS (Point-of-Credit accounts. - Make point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept MastercardMasterCard. - • There is no limit on the number of POS transactions you may make in any one day. • There is no limit to the number of Mastermoney Debit Card purchases you make per day. • Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on the frequency and amount of MasterMoney Debit Card transactions may apply: - You may make 20 MasterMoney Debit Card purchases per day. - Purchase amounts are limited to the amount in your account with a maximum of $2,000.00 per day. - You may make 5 cash withdrawals in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - For security purposes• You may purchase up to a maximum of $2000.00 from POS terminals per day, if there are other limits on the frequency and amount of transfers available at ATMs. - sufficient funds in your account • You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions.

MasterMoney Debit Card. If approved, you You may use your Mastercard® card Card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card Card purchases will be deducted from your checking share draft account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactionstransaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union credit union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agre e agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card Card and personal identification number PIN (PINPersonal Identification Number) in ATMs automated teller machines of the Credit Union, Cirrus® Shazam, Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card Card to: - • Make deposits to your share and share draft accounts. • Withdraw funds from your share and checking share draft accounts. - • Transfer funds from your share and checking share draft accounts. - • Obtain balance information for your share and checking share draft accounts. - Access your Overdraft Line• Make POS (Point-of-Credit accounts. - Make point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept MastercardMasterCard. - • Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on the frequency and amount of MasterMoney Debit Card transactions may apply: - • You may make 20 fifteen (15) MasterMoney Debit Card purchases per day. - • Purchase amounts are limited to the amount in your account with a maximum account. • There is no limit to the number of $2,000.00 per day. - You cash withdrawals you may make 5 cash withdrawals in any one (1) day from an ATM machine. - You • There is no limit on the number of POS transactions you may withdraw up to a maximum of $500.00 make in any one (1) day from an ATM machine, if there are sufficient funds in your accountday. - • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - • You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions. • Maximum ATM withdrawal and POS transaction (PIN based) per day of $510.00, if there are sufficient funds in your account.