Common use of Types of Available Transfers and Limits on Transfers Clause in Contracts

Types of Available Transfers and Limits on Transfers. 1. Account Access - You may use your card and PIN at any Cirrus® or NYCE® terminal to: • Check the balance in your checking, savings, and money market accounts. • Make withdrawals from your checking, savings, and money market accounts. • Make deposits or loan payments by depositing cash, check or money order along with a deposit ticket or payment coupon (only available at certain Bluestone Bank terminals). • Make transfers to and from your checking, savings, and money market accounts. • Make point-of-sale purchases. You may not use your card to purchase goods or services from your savings account. • Conduct other transactions as we add services and features. Some of these services may not be available at all terminals. You also may have chosen limited access by electronic means to one or more of your accounts. 2. You may pay for purchases wherever MasterCard is accepted using your Bluestone Bank Debit MasterCard. We will not make cash refunds or any other refund on purchases with your Card. We will not be liable if a merchant refuses to honor your Card. You must handle any claim or defense for a purchase directly with the merchant or business establishment that accepted or refused to accept your Card. You may not assert disputes you may have with a merchant against us, for example, when you believe that the goods or services paid for with your Card were defective, not delivered or not as promised. Any such dispute is solely between you and the merchant, and you must still pay the total amount of the sales draft plus any appropriate charges we may be authorized to make. Any merchant credit vouchers for returns or adjustments will be credited to your account when received by us. 3. All Bill Payments you make through Bluestone@Home will be deducted from your designated checking account. Your payees must all be located within the United States and accept payment in U.S. Dollars. Each payee must appear on the payee list you create and the bill you are paying must be in your name. You may not use Bluestone@Home to make payments to federal, state or local governments. Some other categories of payees may also be restricted, such as court- ordered payments like child support.

Types of Available Transfers and Limits on Transfers. 1. Account Access - You may use your card and PIN at any Cirrus® or NYCE® terminal to: • Check the balance in your checking, savings, and money market accounts. • Make withdrawals from your checking, savings, and money market accounts. • Make deposits or loan payments by depositing cash, check or money order along with a deposit ticket or payment coupon (only available at certain Bluestone Bank terminals). • Make transfers to and from your checking, savings, and money market accounts. • Make point-of-sale purchases. You may not use your card to purchase goods or services from your savings account. • Conduct other transactions as we add services and features. Some of these services may not be available at all terminals. You also may have chosen limited access by electronic means to one or more of your accounts. 2. You may pay for purchases wherever MasterCard is accepted using your Bluestone Bank Debit MasterCard. We will not make cash refunds or any other refund on purchases with your Card. We will not be liable if a merchant refuses to honor your Card. You must handle any claim or defense for a purchase directly with the merchant or business establishment that accepted or refused to accept your Card. You may not assert disputes you may have with a merchant against us, for example, when you believe that the goods or services paid for with your Card were defective, not delivered or not as promised. Any such dispute is solely between you and the merchant, and you must still pay the total amount of the sales draft plus any appropriate charges we may be authorized to make. Any merchant credit vouchers for returns or adjustments will be credited to your account when received by us. 3. All Bill Payments you make through Bluestone@Home will be deducted from your designated checking account. Your payees must all be located within the United States and accept payment in U.S. Dollars. Each payee must appear on the payee list you create and the bill you are paying must be in your name. You may not use Bluestone@Home to make payments to federal, state or local governments. Some other categories of payees may also be restricted, such as court- court-ordered payments like child support.