Common use of Using Your Card Clause in Contracts

Using Your Card. You may use your Card to obtain goods or services wherever the Card is honored. The Card cannot be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countries. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online purchase) your Card must be registered and, the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Card. Each time you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Using Your Card. The VISA Relationship Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Card on issue is limited to $2500.00 and no more than $2500.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.XxXXXXX.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever the Card is honoredafter activation. The Card canis non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not be used give your Card to anyone else to use. You are responsible for illegal all authorized transactions or on-line gambling activitymade with this Card. Your Only the purchaser can load funds to the account. You may only use of the Card must when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at all times an ATM or for purchases will be in compliance with deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to applicable lawslimits, including allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump a minimum of $99 available credit may be required on the laws Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriesminimum credit of $15. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card (such to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as for the final bill. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU VISA Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.XxXXXXX.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may result not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in a temporary hold of funds for up to thirty (30) daysadvance and will be deducted from the Card. Car rental Relationship Card Account Fees and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysCharges Card Fee – $5.00.

Using Your Card. The Card may be used wherever debit cards bearing the Mastercard network brand (e.g. Visa or Mastercard) (“Card Network”) are accepted worldwide. You may acknowledge and agree that the funds for use in Card transactions are limited to the funds in your Card Account which are not subject to hold. You are not authorized to use any funds added to your Card Account in error. Whenever you use your Card, we will determine at that time whether you have sufficient available funds in your Card Account to obtain goods complete the requested transaction. Your Card Account has no overdraft or services wherever credit features, which means that if you do not have sufficient funds, the transaction will be declined. You are responsible for knowing your available balance by checking The Netevia app. It is important for you to check your available balance before using your Card. Merchants are generally unable to see your Card Account balance and will not know whether you have sufficient available funds before you attempt the transaction you are requesting. Some merchants may permit you to pay for a portion of a transaction using your Card up to your available balance and pay the rest of the purchase amount using cash or a different card. Such payments are known as “split transactions” and are permitted by this Agreement if allowed by the merchant. The Card is honoredNOT a bank deposit account or a charge card that allows you to make purchases or obtain cash advances and pay for them later. The Card cannot be used for any online gambling, escort services, or any illegal transactions transaction. We reserve the right to Netevia, suspend, or on-line gambling activity. Your use of the cancel your Card must at all times if we detect what we reasonably believe to be in compliance fraudulent, suspicious, or criminal activity or any activity inconsistent with and subject this Agreement, or if we receive an attachment, garnishment, or court order or other legal process relating to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulationsyour Card Account. The Card cannot be used in OFAC sanctioned countriesis our property and is non transferable. If you We may revoke or suspend use of your Card number or Card Account at any time without presenting cause or prior notice. You must cease using your Card (such as for a mail order, telephone, immediately if it becomes expired or online purchase) your Card must be registered and, the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agenciesis revoked, and hotelsagree to return it to us, may obtain an authorization that exceeds the actual amount of at your purchase. If the amount of an authorization exceeds the value remaining on your Cardexpense, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Card. Each time you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysupon request.

Using Your Card. You may use your Card to: access cash at ATMs displaying MasterCard, Maestro, STAR or Cirrus brand, and pay for goods and services anywhere MasterCard® debit cards are accepted. You may use your Card to obtain purchase or lease goods or services wherever the Card is honoredhonored as long as you do not exceed the value available on your Card. The Card cannot be used You are personally responsible for illegal all transactions or on-line gambling activity. Your initiated and fees incurred by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card must at all times be and pay the remaining amount with cash or another card. These are called “split transactions”. Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to conduct a split transaction if you pay the remaining amount in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriescash. If you use your Card number without presenting your Card (such as for a mail order, telephone, order or online telephone purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types Your Card cannot be redeemed for cash. You may not use your Card for any illegal transactions, nor may you use your Card at casinos, or for gambling activity. You should keep track of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds value loaded on Cards issued to you. You may view the value remaining on your Card, the transactions may not be honored, even though the amount of value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use by logging into your Card Account at a gas pump, xxx.xxxxxxx.xxxxx.xxx at any time or by calling us at the station may assess up Service number shown on your Card and listed below at any time to a maximum $75 authorization hold regardless of obtain the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual current value of the purchase will be immediately deducted from on your card. For security reasons, we may limit the amount To reach us to obtain balances or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made usage information associated with your CardCard call toll-free 000-000-0000. Each time you use your Card, you authorize us to deduct reduce the value available on your Card by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance of the funds available amount on your card. If you attempt to use the Card when there are insufficient funds associated with it, the through an individual transaction will generally be declinedor a series of transactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to (creating a systems malfunction or otherwise, “shortage”) you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If You agree to pay us promptly for the shortage and any applicable shortage fees. We also reserve the right to cancel this Card should you wish to use your Card for create a purchase which is greater than the balance of the funds available on shortage with your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Using Your Card. Limits on the Use of Your Card. You are not authorized to make purchases that in the aggregate exceed $2,500 per calendar day. We reserve the right, in our sole discretion, to limit the amount, number or type of transactions you can make on your Card and any funding or reload of your Card. You may only withdraw up to $1,000 from an ATM in a single day. We may, in our sole discretion, further limit your use of the Card at ATMs, and, in addition to our limits, an ATM owner or operator may impose additional withdrawal limits. The Card is for personal use only. You agree not to use the Card for business purposes. We may, in our sole discretion, close your Card if we determine that it is being used for business purposes. We may refuse to process any transaction that we believe may violate the law or the terms of this Agreement. You agree that you will: (i) not use the Card at unlawful domestic or international gambling web sites, or at payment processors supporting unlawful gambling web sites, or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN used to access Card funds; and (iv) use the Card only as instructed. We may refuse to issue a Card, revoke or suspend your Card privileges or cancel your Card with or without cause or notice, other than as required by applicable law. You agree not to use or allow others to use an expired, revoked, cancelled, suspended or otherwise invalid Card. You may use your Card to obtain purchase or lease goods or services wherever anywhere 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 honoredpermitted 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. At the time of each purchase using the Card, you may be asked to sign a receipt for the transaction. The Card cannot be used for illegal transactions or on-line gambling activity. Your use dollar amount of the purchase will be deducted from the value associated with the Card. If you use your Card must at all times an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $75.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any 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 in compliance with and subject removed. It may take up to applicable lawsseven (7) days for the hold to be removed. During the hold period, including you will not have access to the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriespreauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online Internet purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. 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 except where required by law. You do may not have use your Card for online gambling, any illegal transaction or for car rental transactions. We may refuse to process any Card transaction that we believe may violate the right to stop payment on any transaction made with your Cardterms of this Agreement or applicable law. Each time you use your Card, you authorize us to deduct reduce the value available in your Card Account by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance available amount in your Card Account through an individual transaction or a series of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declinedtransactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwiseCard, you shall remain fully liable to us for the amount of the transaction and any applicable fees fees. We may deduct any amount that you owe us from any current or chargesfuture funds associated with this or any other Card you activate or maintain. For security reasons, we may limit the number or amount of transactions you can make with the Card. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account using your Card Account’s direct deposit account number. If you wish to use your Card for authorize a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card transaction and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transactiona purchase of that item as planned, the “authorization” approval may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysdays or more.

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Prepaid Card on issue is limited to $5,000.00, and no more than $5,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (000) 000-0000 or visit us online at xxx.xxxxxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever after activation. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the purchaser can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump it may require a minimum of $75.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $50.00 If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card (such to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as for the final bill. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card will not reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free (000) 000-0000 or by visiting xxx.xxxxxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $20.00 on your Prepaid Card by making a payment at your local Affinity Plus Federal Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.xxxxxxxxxxxx.xxx or by calling toll free (000) 000-0000 by initiating funds transfer from your designated funding account. Funds may result not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Prepaid Card Account Fees and Charges Card Fee - $4.95 if purchaser is a temporary hold member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. Additional Card Fee - $2.00 Reload Fee - $0.00 to reload funds onto your Visa Prepaid Card. (Please remember Non-Personalized cards are limited to 4 loads including the initial value load.) ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of funds for up to thirty (30) daystransaction amount when used overseas. Car rental Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and hotel authorizations may result elsewhere in a temporary hold on funds up to thirty (30) daysthe world. Account Maintenance Fee – There is no monthly or annual maintenance fees with our card. Overdraft Fees – There are no overdraft fees with our card.

Using Your Card. You may use your Card to obtain pay for goods and services anywhere VISA debit cards are accepted. Some of these services may not be available at all terminals. You may use your Card to purchase or lease goods or services wherever the Card is honoredhonored as long as you do not exceed the value available on your Card. The Card cannot be used You are responsible for illegal all transactions or on-line gambling activity. Your initiated and fees incurred by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions initiated and fees incurred subject to such use. If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card must at all times be and pay the remaining amount with cash or another card. These are called “split transactions”. Some merchants do not allow cardholders to do split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriescash. If you use your Card number without presenting your Card (such as for a mail order, telephone, order or online telephone purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types Your Card cannot be redeemed for cash. You may not use your Card for any illegal transactions, nor may you use your Card at casinos, or for gambling activity. You should keep track of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds value loaded on Cards issued to you. You may view the value remaining on your Card, the transactions may not be honored, even though the amount of value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use by logging into your Card Account at a gas pump, xxx.xxxxxxxxxxxxxxx.xxx or by calling the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or Customer Service number of transactions you can make shown on your Card and listed below at any time to obtain the current value associated with Card. You do not Call toll-free 0-000-000-0000, 24 hours per day, 7 days per week for the balance or if you have the right to stop payment questions on any transaction made with your CardCard usage. Each time you use your Card, you authorize us to deduct reduce the value available on your Card by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance of the funds available amount on your card. If you attempt to use the Card when there are insufficient funds associated with it, the through an individual transaction will generally be declinedor a series of transactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to (creating a systems malfunction or otherwise, “shortage”) you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If You agree to pay us promptly for the shortage and any applicable shortage fees. We also reserve the right to cancel this Card should you wish to use your Card for create a purchase which is greater than the balance of the funds available on shortage with your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Using Your Card. The VISA Student Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Affinity Plus Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Student Card on issue is limited to $5,000.00, and no more than $5,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, (000) 000-0000 or visit us online at xxx.xxxxxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a Personal Identification Number (PIN). You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever the Card is honoredafter activation. The Card canis non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not be used give your Card to anyone else to use. You are responsible for illegal all authorized transactions or on-line gambling activitymade with this additional Card. Your Only the purchaser can load funds to the account. You may only use of the Card must when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at all times an ATM or for purchases will be in compliance with deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to applicable lawslimits, including allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75.00 available credit on the laws Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriesminimum credit of $50.00. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card (such to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If three days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as for the final bill. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. Your card will not reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction; then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free (000) 000-0000 or by visiting xxx.xxxxxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Affinity Plus VISA Student Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $20.00 on your Student Card by making a payment at your local Affinity Plus branch. Student Cards have unlimited reload capabilities. You can also add value at xxx.xxxxxxxxxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may result not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $5,000.00 or 15 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Student Card Account Fees and Charges Card Fee - $4.95 if purchaser is a temporary hold member and orders from a local branch, over the telephone or online. Express delivery fee is $15.00. Reload Fee - $0.00 to reload funds onto your Visa Prepaid Card. ATM Fee - There is not an ATM transaction fee assessed to the card but the ATM itself may charge a fee for withdrawal within the US and overseas. There is a 1.00% transaction fee of funds for up to thirty (30) daystransaction amount when used overseas. Car rental Bank Cash Advance Fee - There is a $0.00 fee per withdrawal in the US and hotel authorizations may result elsewhere in a temporary hold on funds up to thirty (30) daysthe world. Account Maintenance Fee – There is no monthly or annual maintenance fees with our card. Overdraft Fees – There are no overdraft fees with our card.

Using Your Card. You Provided funds are available on your Card, you may use your Card to obtain goods perform the following types of transactions in accordance with this Agreement: • At ATMs and tellers at financial institutions worldwide displaying the Visa® or services wherever the Card is honored. The Card cannot be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with Plus® logos, and subject to any applicable lawsfees, including you may use your Card to (i) make withdrawals of cash up to the laws lesser of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulationslimits detailed in Section C-5 of this agreement or the amount of funds stored on your Card. The Card cannot be used in OFAC sanctioned countriesIndividual ATM limits may also apply. If you plan on traveling internationally, contact the Commerce Bank mySpending Card® Center at 0-000-000-0000 to inquire about using your Card abroad. • At merchants accepting Visa® debit or Interlink® or STAR® transactions, you may use your Card number without presenting to pay for purchases of goods and services and obtain cash up to the amount of funds stored on your Card (such as for a mail order, telephone, or online purchase) including any applicable fees). Any person honoring your Card must may be registered andrequired to obtain approval or authorization for any transaction. We may recognize the transaction even if it was not authorized, the legal effect but that does not mean we will be accept the same as if you used the Card itself. Certain types type of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardtransaction again. You do not have the right to stop payment on any point- of-sale transaction made with originated by use of your Card. Each time A PIN will not be needed in order to purchase goods or services using the “credit” transaction key at merchant locations that accept Visa® debit cards and allow transactions to be routed as “credit”, or when purchasing goods over the phone or on the Internet. Some of these services may not be available at all terminals. We will not be liable or responsible for any merchant’s inability or refusal to honor your Card. You agree that you will: (i) use the Card only as provided for in the Agreement; (ii) promptly notify us of any loss or theft of your Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, code, or numbers used to access Card funds; and (iv) not use your Card for any illegal purpose, including, but not limited to, online gambling merchants, whether or not online gambling is illegal in the state in which you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are agree not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declinedfor business purposes. Nevertheless, if a We may refuse to process any transaction that exceeds may violate the balance terms of the funds available on your Card occurs due to a systems malfunction this Agreement or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees law, regulation or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Cardrule (including, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another cardbut not limited to, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) daysany Visa rule). We are not responsible for a merchant obtaining authorization for more than may also limit the available balance on the Card. International transactions may result number of Cards issued to you in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysour sole discretion.

Using Your Card. You may use your Card to obtain goods or services wherever must activate the Card is honoredprior to use by calling the customer service number shown on the Card. The Your Card cannot may be used everywhere MasterCard debit cards for illegal transactions or on-line gambling activity. Your use purchases of the Card must at all times be in compliance with goods and services (including internet, mail and phone order purchases), subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used limitations in OFAC sanctioned countriesthis Agreement. If you use your Card number make a purchase without presenting your Card (such as for a internet, mail order, telephone, or online purchase) your Card must be registered andphone order purchases), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining you do not have enough funds available on your Card, you can instruct the transactions merchant to charge a part of the purchase to the Card and pay the remaining amount with other funds. These are called “split transactions,” and some merchants do not permit them. You may not use your Card to obtain cash at an automated teller machine (“ATM”) or at merchants that have agreed to provide cash back at the point-of-sale (“POS”). You cannot reload the Card or transfer Card value to other payment devices. You agree that you will: (i) not use the Card at gambling websites or for any illegal transactions; (ii) promptly notify us of any loss or theft of the Card or unauthorized transactions; (iii) not use the Card for business purposes; and (iv) use the Card only as permitted by us. The Card may not be honoredaccepted by certain merchants whose goods or services are not legal for minors. We may refuse to process any transaction that we believe violates the terms of this Agreement. The Card itself may not be redeemed for cash, even though the value remaining on your Card is sufficient to cover the actual amount except where required by applicable law. You are responsible for all transactions initiated and fees incurred by use of your purchaseCard. If you use permit another person to have access to your Card at a gas pumpor Card number, the station may assess up to a maximum $75 authorization hold regardless of the amount we will treat this as if you charge for up to ten (10) days. If have authorized such use and you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your cardliable for all transactions incurred by those persons. You may not request an additional Card for another person. For security reasons, we may limit the number or amount or number of transactions you can make on your with the Card. You do not have the right to stop payment on any transaction made with your Card. Each time purchase or payment transactions that you originate through the use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are may not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on make preauthorized regular payments from your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Using Your Card. You After you receive your Card you may use your it to purchase goods and services everywhere in the United States, where debit Mastercard is accepted. Your Card to obtain goods or services wherever the Card is honored. The Card cannot may be used for illegal international transactions or on-line gambling activity. Your use of (please see the Card must at all times be in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriessection titled “Foreign Transactions” below). If you use do not have enough funds available on your Card, you can instruct the merchant to charge a part of the purchase to the Card number and pay the remaining amount with other funds. These are called “split transactions,” and some merchants do not permit them. If you make a purchase without presenting your the Card (such as for a internet, mail order, telephone, or online purchase) your Card must be registered andphone order purchases), the legal effect will be the same as if you used the Card itself. Certain types With your PIN, you may also use your Card to obtain cash at Automated Teller Machines (“ATMs”) displaying the Cirrus, Maestro, or Accel name or logo, or at merchants that have agreed to provide cash back as part of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchasea point-of-sale (“POS”) transaction. If the amount of an authorization exceeds the value remaining on your Card, the transactions Secondary Cards may not be honoredable to obtain cash at ATMs or with cash back transactions as part of a POS transaction if cash access has been disabled by the Primary Cardholder or if personal identifying information, even though including but not limited to, name, address, phone number, date of birth and social security number, has not been provided by the value remaining on your Secondary Cardholder to the Bank or Authorized Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your CardServicer. Each time you use your Cardthe Card to purchase goods or services or obtain cash, you authorize us to deduct reduce the value available on the Card by the amount of the transaction from plus applicable fees. Any transaction that is completed using the balance correct signature, or with the correct entry of the funds designated PIN number, will be considered an authorized transaction. Company will be liable for all transactions arising from any use of the Card(s). If any Cardholder is permitted to use the Card, Company will be responsible for any transactions made and any fees incurred by the Cardholder even if the Cardholder exceeds the scope of the authority granted to such Cardholder by Company. Cardholders should only be persons Company trusts to honor its instructions and limitations. Managing Your Card Account. Through our Website, the Primary Cardholder will have full administrative rights to the Card Account and will be able to view and print account transaction activity 24 hours a day, 7 days a week for all Cards associated with the CardCard Account. You are not allowed Secondary Cardholders will have reduced access to exceed the balance of the funds available on view their Secondary Card transaction activity through our Website. It is your card. If you attempt responsibility to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on keep Access Information confidential to deter other person(s) from using your Card(s) or accessing your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us Account without your permission. Please allow at least one (1) business day after each transaction for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely information to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysupdated online.

Using Your Card. You After you receive your Card you may use your it to purchase goods and services everywhere in the United States, excluding U.S. territories, where Visa cards are accepted. Your Card to obtain goods or services wherever the Card is honored. The Card canmay not be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriesinternational transactions. If you use do not have enough funds available on your Card, you can instruct the merchant to charge a part of the purchase to the Card number and pay the remaining amount with other funds. These are called “split transactions,” and some merchants do not permit them. If you make a purchase without presenting your the Card (such as for a internet, mail order, telephone, or online purchase) your Card must be registered andphone order purchases), the legal effect will be the same as if you used the Card itself. Certain types of merchantsWith your PIN, such as restaurants, gas stations, car rental agencies, and hotels, you may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you also use your Card to obtain cash at a gas pump, Automated Teller Machines (“ATMs”) displaying the station may assess up Visa name or logo or the NYCE name or logo. You will not be permitted to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside PIN to obtain cash back from a gas station, then only retailer as part of a Point-of-Sale transaction. Cash withdrawals may be subject to certain fees disclosed below in the actual value section titled “Schedule of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make Fees and Charges” and certain limitations described below under “Limitations on your Card. You do not have the right to stop payment on any transaction made with your Card. Card Usage.” Each time you use your Carda Card to purchase goods or services or obtain cash, you authorize us to deduct reduce the value available on the Card used in the transaction by the amount of the transaction from plus applicable fees. Any transaction that is completed using the balance correct signature, or with the correct entry of the designated PIN number, will be considered an authorized transaction. Account Owner will be liable for all transactions arising from any use of the Card(s). If any Cardholder is permitted to use the Card, Account Owner will be responsible for any transactions made and any fees incurred by the Cardholder even if the Cardholder exceeds the scope of the authority granted to such Cardholder by Account Owner. If a transaction causes a Card to have a negative balance we may deduct any negative balance amounts from any current or future funds on the Card or any other Card Account associated with the CardAccount Owner. You are not allowed Cardholders should only be persons Account Owner trusts to exceed the balance of the funds available on your cardhonor its instructions and limitations. If you attempt to use Managing the Card when there are insufficient funds associated with itAccount. Through our Website, the transaction Primary Cardholder will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card have full administrative rights to the Card Account and then you must arrange will be able to pay view and print account transaction activity 24 hours a day, 7 days a week for all Cards associated with the difference using another payment methodAccount Owner. The merchant may require payment Primary Cardholder will also have the ability to change limitations and restrictions on all Secondary cards through our Website. Secondary Cardholders will have reduced access to view their Secondary Card transaction activity through our Website. It is your responsibility to keep Access Information confidential to deter other person(s) from using your Card(s) or accessing your Card Account without your permission. Please allow at least one (1) business day after each transaction for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely information to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysupdated online.

Using Your Card. Limits on the Use of Your Card. These are the maximum itemized cash access and spending limits for the Card Account, which limits may be modified from time to time depending on prior activity both on this account and on other transactions and also whether or not you have activated the Card: Transaction type Limits Card purchases (Signature and PIN combined) Up to $5,000 per single transaction Up to $5,000 per day Up to $15,000 per month ATM withdrawals (Domestic) Up to $510 per single transaction Up to $510 per day Up to $3,000 per month ATM withdrawals (International) Up to $260 per single transaction Up to $260 per day Up to $1,500 per month Transaction type Limits Deposits/transfers Up to $15,000 within a 30-day period. Please note this limit applies to the amount you can deposit or transfer into your Xxxxxx Xxxx Account, between Services, and external accounts. The maximum amount on your card is $20,000. We reserve the right, in our sole discretion, to limit the amount, number or type of transactions you can make on your Card and any funding or reload of your Card. We may, in our sole discretion, further limit your use of the Card at ATMs, and, in addition to our limits, an ATM owner or operator may impose additional withdrawal limits. The Card is for personal use only. You agree not to use the Card for business purposes. We may, in our sole discretion, close your Card if we determine that it is being used for business purposes. We may refuse to process any transaction that we believe may violate the law or the terms of this Agreement. You agree that you will: (i) not use the Card at unlawful domestic or international gambling web sites, or at payment processors supporting unlawful gambling web sites, or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN used to access Card funds; and (iv) use the Card only as instructed. We may refuse to issue a Card, revoke or suspend your Card privileges or cancel your Card with or without cause or notice, other than as required by applicable law. You agree not to use or allow others to use an expired, revoked, cancelled, suspended or otherwise invalid Card. You may use your Card to obtain goods make purchases at any merchant that accepts Mastercard debit cards or services wherever debit cards of Interlink or other Card networks in which the Bank participates with respect to this Program (each a "Network"), subject to the available funds in your Card account, the transaction limits described below, and the other terms and conditions of this Agreement. If you do not have enough funds available in your Card Account, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount using another payment method. These are called “split transactions.” Some merchants do not allow cardholders to conduct split transactions. If you wish to conduct a split transaction and it is honoredpermitted 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. At the time of each purchase using the Card, you may be asked to sign a receipt for the transaction. The Card cannot be used for illegal transactions or on-line gambling activity. Your use dollar amount of the purchase will be deducted from the value associated with the Card. If you use your Card must at all times an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $75.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any 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 in compliance with and subject removed. It may take up to applicable lawsseven (7) days for the hold to be removed. During the hold period, including you will not have access to the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriespreauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online Internet purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may Your Card cannot be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge redeemed for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Cardcash except where required by law. Each time you use your Card, you authorize us to deduct reduce the value available in your Card Account by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance available amount in your Card Account through an individual transaction or a series of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declinedtransactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwiseCard, you shall remain fully liable to us for the amount of the transaction and any applicable fees fees. We may deduct any amount that you owe us from any current or chargesfuture funds associated with this or any other Card you activate or maintain. For security reasons, we may limit the number or amount of transactions you can make with the Card. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account using your Card Account’s direct deposit account number. If you wish to use your Card for authorize a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card transaction and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transactiona purchase of that item as planned, the “authorization” approval may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysdays or more.

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AgFed; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Prepaid Card on issue is limited to $2500.00 and your card can be reloaded every 15 days. For the non-personalize card, the limit is $1000.00 and can be reloaded every 7 days at $250 intervals. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever after activation. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $74 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card (such to pre-authorize a hotel reservation, add 15% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental/reservation to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as for the final bill. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have au- thorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting xxx.xxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AgFed VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $25 on your Prepaid Card at your local AgFed branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.xxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may result not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Prepaid Card Account Fees and Charges Additional Card Fee - $0.00. Card Fee - $3.95 if a temporary hold of funds for up member ordered from a local branch and $3.95 plus shipping as advised when ordering on the telephone or online. Reload Fee - $0.00 to thirty reload value onto your Visa Prepaid Card. (30Please remember Non-Personalized cards are limited to 4 loads including the initial value load.) daysATM Fee - There is a $2.00 ATM withdrawal fee per ATM withdrawal in the US and elsewhere in the world. Car rental Bank Cash Advance Fee – This feature is not available Account Maintenance Fee - $0.00 Annual Fee - None Overdraft Fees - In the event your Card has a negative balance, you will pay us on demand the debit balance and hotel authorizations you may result in be charged a temporary hold on funds up to thirty (30) days$33 fee.

Using Your Card. The VISA Student Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Bank-Fund Staff Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Student Card on issue is limited to $1,000, and no more than $1,000 can be available for use on the Card at any one time. Activate your Card by calling 0-000-000-0000 or visit us online at xxxxxx.xxx/xxxxxxxxxxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever after activation. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. When you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cashback on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $75 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card (such to pre-authorize a hotel reservation any amount requested in a preauthorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If five days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as for the final bill. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting xxxxxx.xxx/xxxxxxxxxxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your BFSFCU VISA Student Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $50 on your Student Card at xxxxxx.xxx/xxxxxxxxxxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Your Student Card has unlimited reload capabilities. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $200 or 2 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Student Card Account Fees and Charges Enrollment Fee - $5.00 Reload Fee - $1.50 to reload value onto your Visa Student Card. Replacement Card Fee - $10.00 ATM Fee - $1.50 ATM withdrawal fee per ATM withdrawal in the US and elsewhere in the world. Account Maintenance Fee - You will be charged a fee of $1.50 each month, beginning on the 7th month of inactivity on the Card, as long as there is a balance remaining on the Card. International transactions Overdraft Fees - In the event your Card has a negative balance, you will pay us on demand the debit balance and you may result be charged a $20 fee. Foreign Exchange - If a card transaction is made in a temporary hold currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. The exchange rate used is the wholesale money market or the government-mandated rate increased by 1% (including the VISA handling charge of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days1%).

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AgFed; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Prepaid Card on issue is limited to $1500.00, and no more than $1500.00 can be available for use on the Card at any one time. Your card can be reloaded every 15 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever after activation. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases. When you use your Card at an automated gas station pump you will require a minimum of $74 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call, this can require a minimum credit of $15. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card (such to pre-authorize a hotel reservation, add 15% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental/reservation to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as for the final bill. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting xxx.xxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AgFed VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $25 on your Prepaid Card by making a payment at your local AgFed branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.xxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Prepaid Card Account Fees and Charges Additional Card Fee - $0.00. Card Fee - $3.95 if a member ordered from a local branch and $3.95 plus shipping as advised when ordering on the telephone or online. Reload Fee - $0.00 to reload value onto your Visa Prepaid Card. (Please remember Non-Personalized cards are limited to 4 loads including the initial value load.) ATM Fee - There is a $2.00 ATM withdrawal fee per ATM withdrawal in the US and elsewhere in the world. Bank Cash Advance Fee – This feature is not available Account Maintenance Fee – $0.00 Overdraft Fees - In the event your Card has a negative balance, you will pay us on demand the debit balance and you may be charged a $33 fee. Annual fee - None Foreign Exchange: If a card transaction is made in a currency other than the available balance that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. International transactions may result in a temporary hold The exchange rate used is the wholesale money market or the government-mandated rate (including the VISA handling charge of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days1%).

Using Your Card. You Subject to the limitations set forth in this Agreement and the accompanying Schedule A, you may use your Card, Card Number, or Account Number, as applicable, to obtain (1) add funds to your Card Account (as described in the Section below entitled “Adding Funds (“Loading”) to Your Card Account”), (2) transfer funds between Card Accounts, (3) purchase goods or services wherever your Card is accepted, (4) withdraw cash from your Card Account wherever the MasterCard® brandmarks are displayed (as described in the Section below entitled “Using Your Card to Get Cash”), as long as you do not exceed the value available in your Card Account. There may be fees associated with some of these transactions. For fee information, see the Schedule A attached to this Agreement. Some of these services may not be available at all terminals. You may not use your Card for any online gambling, or any illegal transaction. You may not use your Card Number or the Issuer’s routing number and your assigned Account Number in connection with the creation and/or negotiation of any financial instruments, such as checks, which we have not authorized. You acknowledge and agree that the value available in your Card Account for use or withdrawal is limited to the funds loaded to your Card Account minus any pending loads or pending authorizations, minus funds spent or withdrawn from the Card Account and minus any and all applicable fees. If your Available Balance is honored. The Card cannot insufficient to cover any transaction amount or any transaction fee(s) assessed or both, the transaction may be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriesdeclined. If you use your Card number Number without presenting your Card (such as for a mail order, telephone, or online Internet purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Card. Each time you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Achieva Credit Union, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Prepaid Card on issue is limited to $5,000.00 and no more than $5,000.00 can be available for use on the Card at any one time. Activate your Personalized Card by calling toll-free, (000) 000-0000 or visit us online at www.achievacu. com/Home/Banking. Non Personalized Cards are activated upon load. You will be required, for valida- tion purposes, to provide personal information. You will also be given a PIN for your Personalized or Non Personalized Card which can be obtained by calling the customer support number. You will need your PIN to access cash from ATMs and to use at all merchants abroad equipped with global chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call cus- tomer support at anytime 24/7/365 to hear your PIN before making more than 3 attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant outside the U.S. results in having to obtain goods or services wherever a replacement card in order to continue using your International Prepaid Card at a merchant outside the U.S.; locking your PIN at an ATM will require waiting 24 hours for it to automatically unlock, and while waiting remember to call the customer support number to hear your correct PIN. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request 4 additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at financial institutions. Cash-back is only available at US merchants with your International Prepaid Card, it is not available at international merchants. If you use the Card to make a telephone call this can require a minimum credit of $15.00. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card (such as to pre-authorize a hotel reservation any amount requested in a pre-autho- rization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If 7 days elapse without you authorizing an amount any pre-autho- rization will be canceled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a mail order, telephone, or online purchase) your Card must be registered and, similar amount for potential shipping costs although the legal effect amount finally debited will be the same as if the final bill. When making a purchase on the phone, by mail or online the account information you used provide must be the same account information as registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services pur- chased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to hear your PIN, especially before you try to use it at a merchant obtaining authorization or an ATM. It is very important to maintain the correct PIN because locking it out at a merchant outside the U.S. will result in having to replace your card in order to continue using it at merchants outside the U.S. You will have up to 3 attempts at entering a bad PIN before it locks, however, once it locks at a merchant, this card becomes unusable at merchants outside the U.S. and replacement is required by calling the customer support number. The card can still be used at merchants within the U.S. and at any ATM worldwide. If you lock the PIN while attempting to use it in an ATM, you will not need to replace the card, however, you must wait 24 hours for more the system to unlock the PIN. During this waiting period, remember to call customer support to hear your correct PIN. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write you’re PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free (000) 000-0000 or by visiting xxx.xxxxxxxxx.xxx/Xxxx/Xxxxxxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Achieva Credit Union VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $20.00 on your Prepaid Card by making a payment at your local Achieva Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.xxxxxxxxx.xxx/Xxxx/Xxxxxxx or by calling toll free (000) 000-0000 by initiating funds transfer from your designated funding account. Funds may not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $605.00 or 3 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals estab- lished by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. Prepaid Card Account Fees and Charges Card Fee: $9.95 if a member ordered from a local branch and $9.95 plus shipping as advised when ordering online. Secondary Card Fee: $9.95 plus shipping as advised when ordering online. Inactivity Fee: If no activity for 12 months, a monthly inactivity fee of $1.50 per month will be assessed to the card. Card Replacement / Reissue Fee: You will be charged a fee of $10.00 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the PIN is blocked and/or circumstances require an immediate turnaround on ship- ping out the replacement card; there will be an extra cost of $25 assessed to the prepaid card for this Emergency Card Replacement service. Express Delivery Fee: You will be charged an additional fee of $25.00 when requesting a card order to be sent via express mail. Additional Charges for Transactions in a Foreign Currency and “Cross-Border” Transactions If a card transaction is made in a currency other than the available balance that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. International transactions may result in a temporary hold The exchange rate used is the wholesale money market or the government-mandated rate increased by 1% (including the Visa® handling charge of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days1%).

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is neither a credit card, nor a FDIC insured deposit account. This card is issued by Xxxxxx Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Prepaid Card on issue is limited to $3000, and no more than $3000 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever after activation. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request two additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $50 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card (such to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If five days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as for the final bill. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost, please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card, and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting xxx.xxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Xxxxxx FCU VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $0 on your Prepaid Card by making a payment at your local Xxxxxx Federal Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to three including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.xxxxxxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may result not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $19 or 3 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in a temporary hold of funds for up to thirty (30) daysadvance and will be deducted from the Card. Car rental Prepaid Card Account Fees and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysCharges Additional Card Fee. $2.00.

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Sioux Falls Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Prepaid Card on issue is limited to $3,000.00, and no more than $3,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at Manage Your Prepaid Card. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever after activation. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $99.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15.00. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card (such to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If 3 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as for the final xxxx. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. We will not automatically reissue a new card when yours expires, but you can order a new card and transfer any remaining balance on the expired Card to the new one. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting Manage Your Prepaid Card where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Sioux Falls Federal Credit Union VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $20.00 on your Prepaid Card by making a payment at your local Sioux Falls Federal Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities, however, as a fraud prevention measure we will limit the frequency of reloads to no more than five in any seven day period.. You can also add value at Manage Your Prepaid Card or by calling toll free 1-866-760- 3156 by initiating funds transfer from your designated Sioux Falls Federal Credit Union funding account. Funds may not be available for immediate use after you have initiated the available transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Prepaid Card Account Fees and Charges Card Fees: First card: $10.00, including first load. Secondary cards: $5.00 Express Card Delivery Fee: $25.00 Reload Fee: $2.00/$3.00 (online/in-branch) to reload value onto your Visa prepaid Refund on Remaining Balance: $2.00 Card Replacement Fee: $10.00 Inactivity Fee: $5.00 per month after 12 months of non usage. ATM Transaction Fee: $1.00 Call Fees: Using interactive voice response line -- $0.75. Live operator -- $3.75 Foreign Exchange: 1% of the transaction amount. If a card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. International transactions may result The exchange rate used is the wholesale money market or the government-mandated rate. Our Liability If we do not complete a transfer from the Card on time or in the correct amount according to these terms and conditions we will be liable for your losses or damages. However there are some exceptions. We will not be liable, for instance:  If through no fault of ours, an ATM or merchant refuses to honor the Card.  If through no fault of ours, you do not have enough money available on your Card to make a temporary hold of funds for up to thirty withdrawal or purchase.  If the terminal or system was not working properly and it was known about when the transaction started.  If circumstances beyond our control; (30such as flood or fire) daysprevent the transfer, despite reasonable precautions that we have taken. Car rental  Other exceptions stated in these terms and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysconditions.

Using Your Card. You may use your Card to: (i) access cash at ATMs displaying VISA, Interlink, Pulse; and (ii) pay for goods and services anywhere VISA® debit cards are accepted subject to any merchant restrictions or merchant category restrictions imposed by your Provider. You may use your Card to obtain purchase or lease goods or services wherever the Card is honoredhonored as long as you do not exceed the value available on your Card. The Card cannot be used You are personally responsible for illegal all transactions or on-line gambling activity. Your initiated and fees incurred by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card must at all times be and pay the remaining amount with cash or another card. These are called “split transactions”. Some merchants do not allow cardholders to do split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriescash. If you use your Card number without presenting your Card (such as for a mail order, telephone, order or online telephone purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types Your Card cannot be redeemed for cash. Your card may be excluded from making certain merchant purchases as determined by your Provider. You may not use your Card for any illegal transactions, nor may you use your Card at casinos, or for gambling activity. You should keep track of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds value loaded on Cards issued to you. You may view the value remaining on your Card, the transactions may not be honored, even though the amount of value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use by logging into your Card Account at a gas pump, xxx.xxxxxxxxxxxxxxx.xxx at any time or by calling us at the station may assess up Customer Service number shown on your Card and listed below at any time to a maximum $75 authorization hold regardless of obtain the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual current value of the purchase will be immediately deducted from on your card. For security reasonsTo reach us to obtain balances associated with Card or if you have questions on Card usage, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your CardCall toll-free 0-000-000-0000. Each time you use your Card, you authorize us to deduct reduce the value available on your Card by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance of the funds available amount on your cardCard through an individual transaction or a series of transactions. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. NeverthelessNeverthe- less, if a transaction that exceeds the balance of the funds available on your Card occurs due to (creating a systems malfunction or otherwise, “shortage”) you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If You agree to pay us promptly for the shortage and any applicable shortage fees. We also reserve the right to cancel this Card should you wish to use your Card for create a purchase which is greater than the balance of the funds available on shortage with your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Using Your Card. You may use your Card to: access cash at ATMs displaying MasterCard, Maestro, STAR or Cirrus brand, and pay for goods and services anywhere MasterCard® debit cards are accepted. You may use your Card to obtain purchase or lease goods or services wherever the Card is honoredhonored as long as you do not exceed the value available on your Card. The Card cannot be used You are personally responsible for illegal all transactions or on-line gambling activity. Your initiated and fees incurred by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card must at all times be and pay the remaining amount with cash or another card. These are called “split transactions”. Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to conduct a split transaction if you pay the remaining amount in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriescash. If you use your Card number without presenting your Card (such as for a mail order, telephone, order or online telephone purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types Your Card cannot be redeemed for cash. You may not use your Card for any illegal transactions, nor may you use your Card at casinos, or for gambling activity. You should keep track of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds value loaded on Cards issued to you. You may view the value remaining on your Card, the transactions may not be honored, even though the amount of value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use by logging into your Card Account at a gas pump, xxx.xxxxxxx.xxxxxxxxxxx.xxx at any time or by calling us at the station may assess up Service number shown on your Card and listed below at any time to a maximum $75 authorization hold regardless of obtain the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual current value of the purchase will be immediately deducted from on your card. For security reasons, we may limit the amount To reach us to obtain balances or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made usage information associated with your CardCard call toll-free 000-000-0000. Each time you use your Card, you authorize us to deduct reduce the value available on your Card by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance of the funds available amount on your card. If you attempt to use the Card when there are insufficient funds associated with it, the through an individual transaction will generally be declinedor a series of transactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to (creating a systems malfunction or otherwise, “shortage”) you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If You agree to pay us promptly for the shortage and any applicable shortage fees. We also reserve the right to cancel this Card should you wish to use your Card for create a purchase which is greater than the balance of the funds available on shortage with your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Using Your Card. You may use your Card to obtain can purchase or lease goods or and services wherever the Card is honored. The Card cannot be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countries. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online purchase) your Card must be registered and, the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on from any merchant who honors your Card, and you may obtain cash advances from financial institutions and ATM machines that accept the transactions Card, up to your maximum credit limit. You agree not to present your Card or obtain a cash advance for any extension of credit in excess of your available credit limit; however, if you do exceed your credit limit, you agree to make immediate payment sufficient to bring the balance below the credit limit. Certain purchases and cash advances require authorization prior to completion of the transaction. In some cases, you may be asked to provide identification. If our system is not working, we may not be honoredable to authorize a transaction, even though the value remaining on your Card is you have sufficient to cover the actual amount of your purchasecredit available. If you use your Card at a gas pumpAlso, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit block the amount use of your Card in certain countries or number geographic areas. We will have no liability to you or others if any of transactions you can make on your Cardthese events occur. You do not have the right to stop payment on any transaction made Personal Identification Number (PIN). We may issue a Personal Identification Number (PIN) for use with your Card. Each time you This PIN is confidential and should not be disclosed to anyone. You may use your CardPIN and your Card to access your account, and all sums advanced will be added to your account balance. In the event a use of your PIN constitutes an Electronic Funds Transfer, the terms and conditions of your Electronic Funds Transfer Agreement may affect your rights. Promise To Pay. You promise to pay us in U.S. dollars for (a) all purchases and cash advances made by you or anyone whom you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card; (b) all Interest Charges and all other charges or fees; (c) collection costs and attorney's fees as permitted by applicable law, and any costs incurred in the recovery of the Card; and (d) credit in excess of your credit limit that we may extend to you. Illegal Transactions: You agree that your Card when there are insufficient funds associated with it, the transaction and account will generally not be declinedused to make or facilitate any illegal transactions as determined by applicable law; and that any such use will constitute an event of default under this Agreement. Nevertheless, if a We may decline any transaction that exceeds the balance we believe to be illegal under applicable law, including but not limited to any transaction involving or relating to any gambling activity. You agree that we will have no liability or responsibility for any such use by you or any authorized user(s); or for declining any such transaction. You further agree to indemnify and hold us harmless from any suits, liability, damages or adverse action of the funds available any kind that results directly or indirectly from such illegal use. You promise to pay us any and all amounts owing on your Card occurs due to a systems malfunction or otherwisefor any transactions made by you, you shall remain fully liable to us for the amount of even if the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely determined to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysillegal.

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by VyStar Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs which display the ACCEL brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Prepaid Card on issue is limited to $500, and no more than $2,500 can be available for use on the Card at any one time. A maximum of $500 can be loaded at one time, with a maximum amount of 8 loads in a rolling 30 days. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN over the phone. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever after activation. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request up to two additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. The additional cardholders must not give their Card to anyone else to use. You are responsible for all authorized transactions made with these additional Card(s). Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some ACCEL and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars may factor a tip into the price of up to 20% when pre-authorizing Card purchases, but you will only be debited with the actual amount you spend. Hotels and cruise liners may operate a similar policy, usually 15%. Should you use your Card (such to pre-authorize a hotel reservation any amount requested in a pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise may add 15% to the rental to allow for any additional expenses, and mail order companies often add a similar amount for potential shipping costs, although the amount finally debited will be as for the final xxxx. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card at a gas pumpaccount, after deducting all applicable fees, will be returned to you. We may change the station may assess up to a maximum $75 authorization hold regardless terms of this Agreement or any features of the amount Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions may result activity records by calling toll-free 1-866- 760-3156 or by visiting xxx.xxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your VyStar Credit Union VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $25.00 on your Card by making a payment at xxx.xxxxxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Reloads are limited to 8 in a temporary hold of funds for up to thirty (30) rolling 30 days. Car rental Funds may not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and hotel authorizations timing of cash withdrawals made from ATMs may result be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in a temporary hold on advance and will be deducted from the Card. Visa® General Purpose Reloadable Prepaid Card Account Fees and Charges Maintenance Fee* - $2.50 Express Delivery Fee - $25.00 Card Replacement Fee - $10.00 *Maintenance Fee: You must have available funds up to thirty (30) dayspay for the monthly maintenance fee. The fee will be charged 30 days after the purchase of the card and will be charged every month.

Using Your Card. Upon receipt of your new Card(s) you must sign the back immediately. You may use your Card to obtain goods or and/or services wherever from businesses that honor the Card is honoredand/or Convenience Checks. The Card cannot be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countries. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online purchase) your Card must be registered andAdditionally, the legal effect will be account enables you to receive a cash advance through any participating Automatic Teller Machine (ATM) or any other establishment authorized to process and grant you a cash advance. To obtain cash advances from an ATM, you must use the same as if Personal Identification Number (PIN) that is issued to you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you for use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on with your Card. You do may not have the right use your Card(s) for any illegal or unlawful transaction under applicable federal, state or local law, and we may decline to stop payment on authorize any transaction made with your Cardthat we believe poses an undue risk of illegality or unlawfulness. Each time you We may also deny authorization for any Internet gambling transaction. You also promise not to let someone else use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your cardCard(s) or Convenience Checks. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwisedo, you shall remain fully liable to are agreeing with us for the amount that you authorize all use that person makes of the transaction and any applicable fees your Card(s) or chargesConvenience Checks. 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. RESPONSIBILITIES - Promise to Repay You agree to pay all charges (purchases and cash advances) to your Account that are made by you or anyone whom you authorize to use your Card for a purchase which is greater than Account. You also agree to pay all finance charges and other charges added to your Account under the balance terms of the funds available on your CardAgreement or another agreement you made with the Credit Union. If this is a joint Account, you must tell the merchant to charge only the exact amount of funds available each person on the Card Account will be individually and jointly responsible for paying all amounts owed under this Agreement. This means that Sun East can require any one of you individually to repay the Card and then entire amount owed under this Agreement. Each of you must arrange to pay authorizes the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail other(s) to make purchases or cash advances individually. Any one of you can terminate the purchase, after Account and the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount termination will be effective as to all of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysyou.

Using Your Card. The VISA Relationship Card is a prepaid, reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by AFFCU; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Card on issue is limited to $2500.00 and no more than $2500.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever the Card is honoredafter activation. The Card canis non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not be used give your Card to anyone else to use. You are responsible for illegal all authorized transactions or on-line gambling activitymade with this Card. Your Only the purchaser can load funds to the account. You may only use of the Card must when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at all times an ATM or for purchases will be in compliance with deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to applicable lawslimits, including allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump a minimum of $99 available credit may be required on the laws Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriesminimum credit of $15. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card (such to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as for the final bill. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Addi- tional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting www.GoAFFCU. com where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your AFFCU VISA Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local AFFCU branch. Personalized cards have unlimited reload capabilities. You can also add value at xxx.xxxxxxxxxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may result not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in a temporary hold of funds for up to thirty (30) daysadvance and will be deducted from the Card. Car rental Relationship Card Account Fees and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysCharges Card Fee – $5.00.

Using Your Card. Limits on the Use of Your Card. You are not authorized to make purchases that in the aggregate exceed $2,500 per calendar day. We reserve the right, in our sole discretion, to limit the amount, number or type of transactions you can make on your Card and any funding or reload of your Card. Limits are outlined in the table in Section 12 of this agreement. We may, in our sole discretion, further limit your use of the Card at ATMs, and, in addition to our limits, an ATM owner or operator may impose additional withdrawal limits. The Card is for personal use only. You agree not to use the Card for business purposes. We may, in our sole discretion, close your Card if we determine that it is being used for business purposes. We may refuse to process any transaction that we believe may violate the law or the terms of this Agreement. You agree that you will: (i) not use the Card at unlawful domestic or international gambling web sites, or at payment processors supporting unlawful gambling web sites, or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN used to access Card funds; and (iv) use the Card only as instructed. We may refuse to issue a Card, revoke or suspend your Card privileges or cancel your Card with or without cause or notice, other than as required by applicable law. You agree not to use or allow others to use an expired, revoked, cancelled, suspended or otherwise invalid Card. You may use your Card to obtain purchase or lease goods or services wherever anywhere Mastercard 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 honoredpermitted 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. At the time of each purchase using the Card, you may be asked to sign a receipt for the transaction. The Card cannot be used for illegal transactions or on-line gambling activity. Your use dollar amount of the purchase will be deducted from the value associated with the Card. If you use your Card must at all times an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $75.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any 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 in compliance with and subject removed. It may take up to applicable lawsseven (7) days for the hold to be removed. During the hold period, including you will not have access to the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriespreauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online Internet purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. 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 except where required by law. You do may not have use your Card for online gambling, any illegal transaction or for car rental transactions. We may refuse to process any Card transaction that we believe may violate the right to stop payment on any transaction made with your Cardterms of this Agreement or applicable law. Each time you use your Card, you authorize us to deduct reduce the value available in your Card Account by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance available amount in your Card Account through an individual transaction or a series of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declinedtransactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwiseCard, you shall remain fully liable to us for the amount of the transaction and any applicable fees fees. We may deduct any amount that you owe us from any current or chargesfuture funds associated with this or any other Card you activate or maintain. For security reasons, we may limit the number or amount of transactions you can make with the Card. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account using your Card Account’s direct deposit account number. If you wish to use your Card for authorize a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card transaction and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transactiona purchase of that item as planned, the “authorization” approval may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysdays or more.

Using Your Card. You may use your Card to: access cash at ATMs displaying VISA , Interlink, Plus, Maestro or MoneyPass Network logo, pay for goods and services anywhere VISA ® debit cards are accepted. You may use your Card to obtain purchase or lease goods or services wherever the Card is honoredhonored as long as you do not exceed the value available on your Card. The Card cannot be used You are personally responsible for illegal all transactions or on-line gambling activity. Your initiated and fees incurred by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card must and pay the remaining amount with cash or another card. These are called “split transactions”. Some merchants do not allow cardholders to do split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in cash. MoneyPass network ATM’s are only available for use with upgraded Personalized Cards. To avoid an ATM surcharge, visit a MoneyPass ATM. Find a MoneyPass ATM near you at all times xxx.xxxxxxxxx.xxx. If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $100.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase 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% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any 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 in compliance with and subject removed. It may take up to applicable lawsseven (7) days for the hold to be removed. During the hold period, including you will not have access to the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriespreauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, order or online telephone purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types Your Card cannot be redeemed for cash. You may not use your Card for any illegal transactions, nor may you use your Card at casinos, or for gambling activity. You should keep track of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds value loaded on Cards issued to you. You may view the value remaining on your Card, the transactions may not be honored, even though the amount of value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use by logging into your Card Account at a gas pump, xxx.xxxxxx.xxx at any time or by calling us at the station may assess up Customer Service number shown on your Card and listed below to a maximum $75 authorization hold regardless of obtain the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual current value of the purchase will be immediately deducted from on your card. For security reasonsTo reach us to obtain balances associated with Card or to speak to a customer service agent call toll-free 000-000-0000, we may limit to use the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Card. automated phone system 24 hours a day, 7 days a week.. Each time you use your Card, you authorize us to deduct reduce the value available on your Card by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance of the funds available amount on your card. If you attempt to use the Card when there are insufficient funds associated with it, the through an individual transaction will generally be declinedor a series of transactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to (creating a systems malfunction or otherwise, “shortage”) you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If You agree to pay us promptly for the shortage and any applicable shortage fees. We also reserve the right to cancel this Card should you wish create a shortage with your Card. We reserve the right to use cancel your Card for if your account balance has a purchase which is greater than the $0 (zero) balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) 90 days.

Using Your Card. How You may Can Use Your Card – Limits You can use your Card to obtain goods or services wherever complete Transactions at merchants that accept Network-branded debit cards (including internet, mail and phone order purchases). See the Card is honoredSupplemental Terms for other ways that you can use your Card, and how Loads can be made to your Card. The Card cannot be used for illegal transactions or on-line gambling activityThere are limits on the dollar amount and number of Transactions you can make. Your use These limits are described in the Supplemental Terms. Use of the Card by Others If you provide your Card to another person, you are responsible for that person’s use of your Card even if that person uses the Card for Transactions that you did not intend. In order to terminate the other person’s authority to use the Card, you must at all times be in compliance with and subject either get the Card back or call us to applicable laws, including deactivate the laws Card. Reissuance of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulationsCard may incur fees as described in the Fee List. The Card cannot be used in OFAC sanctioned countries. If Authorization Holds When you use your Card number without presenting your Card to pay for goods or services, certain merchants (such as restaurants and hotels) may ask us to authorize the transaction in advance and may estimate its final value up to twenty (20%) more to cover any tip or gratuity that you may add to the purchase. If this occurs and your total bill, after adding in the additional 20% (or more), exceeds the amount available on the Card, your transactions may be declined. Accordingly, you should ensure that the Card has an available balance that is 20% (or more) greater than your total bill prior to using the Card for these types of purchases. When we preauthorize a mail ordertransaction, telephone, or online purchase) we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your Card must Card’s funds for the amount indicated by the merchant (which may be registered and, more than the legal effect final settled transaction amount). We also may add an amount for certain merchants to ensure that sufficient funds will be available to cover the same as if you used the Card itselffinal transaction. Certain types of merchantsTransactions at certain merchants that authorize high dollar amounts, such as restaurants, gas stations, especially rental car rental agencies, companies and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Card. Each time you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained cause an “authorization” for the transaction, the or “authorizationhold” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the on your available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your Card for the correct amount of the final transaction, however, and hotel authorizations will release the hold on any excess amount when the transaction finally settles. Your Card is a Network-branded prepaid card that lets you purchase goods and services from merchants that accept debit cards in the Network. You can also use your Card for the Transactions described in the Supplemental Terms. Your Card is not a credit card, and may result not provide the same rights to you as those available in credit card transactions. It can be used only for the amount of the Load. ACH: the Automated Clearing House system Agreement: this Prepaid Card Agreement, together with the Supplemental Terms and the Fee List ATM: an automated teller machine where you may be allowed to use your Card if disclosed in the Supplemental Terms Business days: For purposes of this Agreement, our business days are Monday through Friday, excluding national holidays - Saturday, Sunday, and federal holidays are not considered business days, even if we are open. Card: the Prepaid Card provided to you Card carrier: The documents about your card that the Card is affixed to Fee list: the list of fees that apply to your Card, provided on the back of the Card carrier Load: any time that money is added to your Card Network: The Network Association (Mastercard or Visa), whichever appears on your Card PIN: A PIN is a four-digit code that may be used to make purchase transactions instead of signing for your transaction Sponsor: the organization that requested that we issue your Card, and that may Load the Card for your use Supplemental terms: additional terms that are part of this Agreement, provided on the back of the Card carrier Transaction: any time you use your Card to access the money on it we, us, and our: Sunrise Banks N.A., of Saint Xxxx, Minnesota, the issuer of the Card, our successors, affiliates or assignees you, your and yours: the person who is issued, or accepts, activates, or registers a Card and any Authorized User of the Card Receipts and Other Card Information You can get a receipt at the time you make any Transaction using your Card at a merchant or an ATM (if your Card allows this feature). A receipt may not be provided for certain small-ticket Transactions. You may obtain information about the amount of money you have remaining on your Card by calling us. This information, along with a 60-day history of Card Transactions and Loads is also available online at our website. You also have the right to obtain a 60-day written history of Card Transactions and Loads by calling us or writing to us. If you have arranged to have direct deposits or are expecting loads made to your Card at least once every 60 days from the same person or company, you can call us or visit our website to find out whether or not the deposit has been made. Our website, telephone number and address are printed in the Supplemental Terms. Fees You agree to pay all fees set forth in the Fee List. We can collect all fees by deducting them from the money on your Card and from any Loads. We can change the fees, as described below under “Changes to this Agreement.” Transactions Made in Foreign Currencies Transactions made in currencies other than U.S. dollars will be converted to U.S. dollars under the rules of the Network at the time of the Transaction. Currently those rules provide that the conversion rate may be either a wholesale market rate or government-mandated rate in effect the day the Network processes the Transaction. The currency conversation rate in effect on the processing date may be different from the rate in effect on the Transaction date or the posting date. We will also add a Foreign Currency Conversion Fee on all Transactions made in currencies other than U.S. dollars. The Foreign Currency Conversion Fee will be equal to a percentage amount of each foreign currency Transaction, as set forth in the Fee List. No Interest Paid We do not pay any interest on the money Loaded on your Card (the interest rate and the Annual Percentage Yield are 0%). Recurring Payments Because your Card can be used only for the amount that is Loaded to it, we recommend that you do not use your Card for recurring payments. If you do, please be sure that you have sufficient money on your Card for each payment. Otherwise, your payments will be rejected, and your Card may be terminated or suspended. If a Transaction Exceeds the Amount of Money on Your Card You should expect that any Transaction that exceeds the amount of money on your Card should be rejected. A fee may apply to a Transaction that is rejected, if disclosed in the Fee List. If a merchant completes a Transaction that results in a temporary hold negative balance on funds up your Card, you agree to thirty (30) daysimmediately pay us the amount of the negative balance. If you do not make the required payment, we have the right to initiate collection proceedings against you, report your failure to consumer reporting agencies and take other remedies. See Termination and Other Remedies. Expiration There is an expiration date printed on the front of your Date Card. You may not use your Card after the expiration date. The Supplemental Terms provide information about what happens after the Card expiration date.

Using Your Card. You may use your Card to obtain goods or services wherever the Card is honored. The Card cannot be used to obtain cash, for illegal transactions transaction or on-line online gambling activity. Your use of the Card must at all times be in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countries. If you use your Card number without presenting your Card (such as for a mail order, telephone, order or online telephone purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not Payment for pay-at-the-pump stations must be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your cardmade inside. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Card. Each time you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your cardYOU ARE NOT PERMITTED TO EXCEED THE BALANCE OF THE FUNDS AVAILABLE ON YOUR CARD. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or chargestransaction. If you wish choose to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require a payment for the difference in cash rather than accepting another cardCard, such as a credit or debit cardCard. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. You may check your balance by visiting xxx.xxxx.xxxxx.xxx or calling 000-000-0000. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) daysfunds. Car rental and hotel authorizations may also result in a an additional temporary hold on funds up to thirty (30) daysfunds.

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is not a credit card. This card is issued by American Southwest Credit Union, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Prepaid Card on issue is limited to $5,000 and no more than $5,000 can be available for use on the Card at any one time. Activate your Card on line at xxxx://xxxx.xxx/ or by calling toll-free, (000) 000-0000. You will be required, for validation purposes, to provide personal information. You will also be given a PIN. You will need your PIN to access cash from ATMs and to use at all merchants abroad equipped with global chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to obtain goods or services wherever hear your PIN. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request up to 4 additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International Prepaid Card, it is not available at international Visa merchants. When you use your Card at an automated gas station pump you will require a minimum of $99 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require a minimum credit of $15.00. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card (such as to pre-authorize a hotel reservation any amount requested in a pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a mail order, telephone, or online purchase) your Card must be registered and, similar amount for potential shipping costs although the legal effect amount finally debited will be the same as if the final bill. When making a purchase on the phone, by mail or online the account information you used provide must be the same account information as registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to hear your PIN. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write you're PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free (000) 000-0000 or by visiting xxxx://xxxx.xxx/ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your American Southwest Credit Union VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $50.00 on your Prepaid Card by making a payment at your local American Southwest Credit Union branch. Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxxx://xxxx.xxx/ or by calling toll free (000) 000-0000 by initiating funds transfer from your designated funding account. Funds may result in not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs may be limited by the ATM operator. ATM use is subject to a temporary hold transaction withdrawal limit of funds $510 or 5 withdrawals per 24-hour period domestically, and $610 or 5 withdrawals internationally. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for up security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to thirty (30) dayscomplete the transaction. Car rental Prepaid Card Account Fees and hotel authorizations may result in Charges Card Fee - $7.95 personalized / $5.95 non-personalized Secondary Card Fee - $4.95 personalized / $3.95 non-personalized Express Delivery Fee - $20.00 Monthly Maintenance Fee – There is a temporary hold on funds up $2.00 monthly maintenance fee. Inactivity Fee - If no activity for 12 consecutive months, a monthly inactivity fee of $3.00 per month will be assessed to thirty (30) daysthe card balance until the balance reaches zero or the card is used again.

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is not a credit card. This card is issued by Service CU, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Prepaid Card on issue is limited to $5,000.00 and no more than $5,000.00 can be available for use on the Card at any one time. Activate your Card on line at xxx.xxxxxxxxx.xxx/xxxxxxx or by calling toll-free, (000) 000-0000. You will be required, for validation purposes, to provide personal information. You will also be given a PIN. You will need your PIN to access cash from ATMs and to use at all merchants abroad equipped with global chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to obtain goods or services wherever hear your PIN. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request up to 4 additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International Prepaid Card, it is not available at international Visa merchants. When you use your Card at an automated gas station pump you will require a minimum of $100 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require a minimum credit of $15.00. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card (such as to pre-authorize a hotel reservation any amount requested in a pre- authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a mail order, telephone, or online purchase) your Card must be registered and, similar amount for potential shipping costs although the legal effect amount finally debited will be the same as if the final bill. When making a purchase on the phone, by mail or online the account information you used provide must be the same account information as registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to hear your PIN. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write you're PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll- free (000) 000-0000 or by visiting xxx.xxxxxxxxx.xxx/xxxxxxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Service CU VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $25.00 on your Prepaid Card by making a payment at your local Service CU branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.xxxxxxxxx.xxx/xxxxxxx or by calling toll free (000) 000-0000 by initiating funds transfer from your designated funding account. Funds may result in not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a temporary hold transaction withdrawal limit of funds $510 domestically and $610 internationally per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for up security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to thirty (30) dayscomplete the transaction. Car rental Prepaid Card Account Fees and hotel authorizations may result in Charges Card Fee - $3.95 for a temporary hold non-personalized card and $4.95 for a personalized card if a member and ordered from a local branch, and $4.95 plus shipping as advised when ordering online. Secondary Card Fee - $3.95 non-personalized and $4.95 personalized plus shipping as advised when ordering online. Card Replacement / Reissue Fee - You will be charged a fee of $4.95 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the circumstances require an immediate turnaround on funds up shipping out the replacement card; there will be an extra cost of $35 assessed to thirty (30) daysthe prepaid card for this Emergency Card Replacement service. Express Delivery Fee - You will be charged an additional fee of $20.00 when requesting a card order to be sent via express mail. ATM Withdrawal Fee - $2.00 per ATM withdrawal.

Using Your Card. Features The maximum amount that can be spent on your Card per day is $5,000.00. The maximum value of your Card is restricted to $50,000.00. You may use your Card to obtain purchase or lease goods or services wherever everywhere Debit MasterCard, Maestro cards, or Pulse 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 is honored. The Card cannot be used as partial payment for illegal transactions or on-line gambling activity. Your use 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 all times an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $100.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase 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% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any 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 in compliance with and subject removed. It may take up to applicable lawsseven (7) days for the hold to be removed. During the hold period, including you will not have access to the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriespreauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online Internet purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. 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 do may not have the right to stop payment on use your Card for online gambling or any transaction made with your Cardillegal transaction. Each time you use your Card, you authorize us to deduct reduce the value available in your Card Account by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance available amount in your Card Account through an individual transaction or a series of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declinedtransactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwiseCard, you shall remain fully liable to us for the amount of the transaction and any applicable fees fees. You do not have the right to stop payment on any purchase or chargespayment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account. If you wish to use your Card for authorize a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card transaction and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transactiona purchase of that item as planned, the “authorization” approval may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations All transactions relating to car rentals may result in a temporary hold on for that amount of funds for up to thirty sixty (3060) days.

Using Your Card. You may use your Card to obtain pay for goods and services anywhere VISA® debit cards are accepted, subject to any merchant restrictions or merchant category restrictions imposed by your Provider. You may use your Card to purchase or lease goods or services wherever the Card is honoredhonored as long as you do not exceed the value available on your Card. The Card cannot be used You are personally responsible for illegal all transactions or on-line gambling activity. Your initiated and fees incurred by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card must at all times be and pay the remaining amount with cash or another card. These are called “split transactions”. Some merchants do not allow cardholders to do split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriescash. If you use your Card number without presenting your Card (such as for a mail order, telephone, order or online telephone purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types Your Card cannot be redeemed for cash. Your card may be excluded from making certain merchant purchases as determined by your Provider. You may not use your Card for any illegal transactions, nor may you use your Card at casinos, or for gambling activity. You should keep track of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds value loaded on Cards issued to you. You may view the value remaining on your Card, the transactions may not be honored, even though the amount of value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use by logging into your Card Account at a gas pump, xxx.xxxxxxxxxxxxxxx.xxx at any time or by calling the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or Customer Service number of transactions you can make shown on your CardCard and listed below at any time. You do not To reach us to obtain balances associated with Card or if you have the right to stop payment questions on any transaction made with your CardCard usage, call toll-free 0-000-000-0000. Each time you use your Card, you authorize us to deduct reduce the value available on your Card by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance of the funds available amount on your card. If you attempt to use the Card when there are insufficient funds associated with it, the through an individual transaction will generally be declinedor a series of transactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to (creating a systems malfunction or otherwise, “shortage”) you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If You agree to pay us promptly for the shortage and any applicable shortage fees. We also reserve the right to cancel this Card should you wish to use your Card for create a purchase which is greater than the balance of the funds available on shortage with your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Using Your Card. You may use your Card to obtain goods or services wherever must activate the Card is honoredprior to use by calling the customer service number shown on the Card (0-000-000-0000) or by visiting the MoCaFi IRC App and following the instructions. The Your Card cannot may only be used for illegal transactions at merchants approved by Sponsor, subject to the limitations in this Agreement or on-line gambling activityas disclosed to you by us, MoCaFi and/or the Sponsor. Your use MoCaFi and the Sponsor will provide you with a list of approved Merchants at the time you receive the Card must at all times be in compliance with and subject will notify you of any changes to applicable laws, including the laws list of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriesapproved merchants. If you use your Card number make a purchase without presenting your Card (such as for a mail orderinternet, telephonemail, or online purchase) your Card must be registered andphone order purchases), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining you do not have enough funds available on your Card, you can instruct the transactions merchant to charge a part of the purchase to the Card and pay the remaining amount with other funds. These are called “split transactions,” and some merchants do not permit them. Notwithstanding the foregoing, we, MoCaFi and/or the Sponsor may restrict your use of the Card to certain merchants and/or categories of merchants consistent with the purposes associated with the distribution of the Card by the Sponsor to you. We, MoCaFi and/or the Sponsor will notify you of any restrictions not included in this Agreement. You may not use your Card to obtain cash at an automated teller machine (“ATM”) or at merchants that have agreed to provide cash back at the point-of-sale (“POS”). You cannot reload the Card or transfer Card value to other payment devices or to bank or other financial accounts. You agree that you will: (i) not use the Card at gambling websites or for any illegal transactions; (ii) promptly notify us of any loss or theft of the Card or unauthorized transactions; (iii) not use the Card for business purposes; and (iv) use the Card only as permitted by us. The Card may not be honoredaccepted by certain merchants whose goods or services are not legal for minors. We may refuse to process any transaction that we believe violates the terms of this Agreement. The Card itself may not be redeemed for cash, even though the value remaining on your Card is sufficient to cover the actual amount except where required by applicable law. You are responsible for all transactions initiated and fees incurred by use of your purchaseCard. If you use permit another person to have access to your Card at a gas pumpor Card number, the station may assess up to a maximum $75 authorization hold regardless of the amount we will treat this as if you charge for up to ten (10) days. If have authorized such use and you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your cardliable for all transactions incurred by those persons. You may not request an additional Card for another person. For security reasons, we may limit the number or amount or number of transactions you can make on your with the Card. You do not have the right to stop payment on any transaction made with your Card. Each time purchase or payment transactions that you originate through the use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are may not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on make preauthorized regular payments from your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Using Your Card. You Provided funds are available on your Card, you may use your Card to obtain goods perform the following types of transactions in accordance with this Agreement: • At ATMs and tellers at financial institutions worldwide displaying the Visa® or services wherever the Card is honored. The Card cannot be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with Plus® logos, and subject to any applicable lawsfees, including you may use your Card to (i) make withdrawals of cash up to the laws lesser of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulationslimits detailed in Section C-5 of this agreement or the amount of funds stored on your Card. The Card cannot be used in OFAC sanctioned countriesIndividual ATM limits may also apply. If you plan on traveling internationally, contact the Commerce Bank mySpending Card® Center at 0-000-000-0000 to inquire about using your Card abroad. • At merchants accepting Visa® debit or Interlink® or STAR® transactions, you may use your Card number without presenting to pay for purchases of goods and services and obtain cash up to the amount of funds stored on your Card (such as for a mail order, telephone, or online purchase) including any applicable fees). Any person honoring your Card must may be registered andrequired to obtain approval or authorization for any transaction. We may recognize the transaction even if it was not authorized, the legal effect but that does not mean we will be accept the same as if you used the Card itself. Certain types type of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardtransaction again. You do not have the right to stop payment on any point-of-sale transaction made with originated by use of your Card. Each time A PIN will not be needed in order to purchase goods or services using the “credit” transaction key at merchant locations that accept Visa® debit cards and allow transactions to be routed as “credit”, or when purchasing goods over the phone or on the Internet. Some of these services may not be available at all terminals. We will not be liable or responsible for any merchant’s inability or refusal to honor your Card. You agree that you will: (i) use the Card only as provided for in the Agreement; (ii) promptly notify us of any loss or theft of your Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, code, or numbers used to access Card funds; and (iv) not use your Card for any illegal purpose, including, but not limited to, online gambling merchants, whether or not online gambling is illegal in the state in which you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are agree not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declinedfor business purposes. Nevertheless, if a We may refuse to process any transaction that exceeds may violate the balance terms of the funds available on your Card occurs due to a systems malfunction this Agreement or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees law, regulation or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Cardrule (including, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another cardbut not limited to, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) daysany Visa rule). We are not responsible for a merchant obtaining authorization for more than may also limit the available balance on the Card. International transactions may result number of Cards issued to you in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysour sole discretion.

Using Your Card. You may use your Card to obtain pay for goods and services online, over the phone, and by mail order anywhere VISA® debit cards are accepted, subject to any merchant restrictions or merchant category restrictions imposed by us or your Provider. You may use your Card to purchase or lease goods or services wherever the Card is honoredhonored as long as you do not exceed the value available on your Card. The Card cannot be used You are personally responsible for illegal all transactions or on-line gambling activity. Your initiated and fees incurred by use of the Card must at all times be in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriesyour Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with cash or another card. These are called “split transactions”. Some merchants do not allow cardholders to do split transactions. As you will only be able to use your Card number without presenting your a physical Card (such as for a an online, mail order, telephone, order or online telephone purchase) your Card must be registered and), the legal effect will be the same as if you used the physical Card itself. Certain types Your Card cannot be redeemed for cash. Your card may be excluded from making certain merchant purchases as determined by your Provider. You may not use your Card for any illegal transactions, nor may you use your Card at casinos, or for gambling activity. You should keep track of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds value loaded on Cards issued to you. You may view the value remaining on your Card, the transactions may not be honored, even though the amount of value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use by logging into your Card Account at a gas pumpxxx.xxxxxxxxxxxxxxx.xxx at any time or by calling the Customer Service number listed below at any time. To reach us to obtain balances associated with Card or if you have questions on Card usage, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Cardcall toll-free 0-000-000-0000. Each time you use your Card, you authorize us to deduct reduce the value available on your Card by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance of the funds available amount on your card. If you attempt to use the Card when there are insufficient funds associated with it, the through an individual transaction will generally be declinedor a series of transactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to (creating a systems malfunction or otherwise, “shortage”) you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If we identify that you wish have more than one card account, we may move a positive balance to use your cover a negative balance (“Right of Setoff”). You agree to pay us promptly for the shortage and any applicable shortage fees. We also reserve the right to cancel this Card for should you create a purchase which is greater than the balance of the funds available on shortage with your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Using Your Card. After you receive your Card you may use it to purchase goods and services everywhere debit Mastercard is accepted. If you do not have enough funds loaded on your Card, you can instruct the merchant to charge a part of the purchase to the Card and pay the remaining amount with other funds. These are called “split transactions,” and some merchants do not permit them. You may also use your Card to obtain cash at ATMs designated by us, at ATMs displaying the Mastercard name or logo, the Accel name or logo, or at merchants that have agreed to provide cash back at the point-of-sale. Each time you use the Card to purchase goods or services wherever or obtain cash, you authorize us to reduce the value available on the Card is honored. The Card cannot be used for illegal transactions or on-line gambling activity. Your use by the amount of the Card must at all times be in compliance with and subject to transaction plus applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriesfees. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online Internet purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agenciesWe will provide you our bank routing number and assign you a 16-digit Account Number. Our bank routing number and your 16- digit Account Number is available online at xxx.XxXxxxxxx.xxx/xxxxx by logging in to your Card Account, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions provided to you can make on your Card. You do not have the right to stop payment on any transaction made with your Card. Each time you use The bank routing number and your Card, you authorize us assigned Account Number are for the purpose of initiating direct deposits to deduct the amount your Card Account and authorized ACH debit transactions only. The 16-digit Card Number embossed on your Card should not be used for these types of the transaction from the balance of the funds associated with the Cardtransactions or they will be rejected. You are not allowed to exceed the balance of the funds available on your card. If you attempt authorized to use the bank routing number and Account Number to make a debit transaction with a paper check, check-by-phone or other item processed as a check, or if you do not have sufficient funds in your account. These debits will be declined and your payment will not be processed and fees may apply. You agree that you will: (i) not use the Card when there at gambling websites or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any Access Information used to access the Card Account information or Card funds; (iv) not use the Card for business purposes; and (v) use the Card only as permitted by us. The Card may not be accepted by certain merchants whose goods or services are insufficient funds associated with it, the transaction will generally be declinednot legal for minors. Nevertheless, if a We may refuse to process any transaction that exceeds we believe violates the balance terms of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysthis Agreement.

Using Your Card. You may use your Card to obtain make purchases at any merchant that accepts Mastercard debit cards or debit cards of Interlink or other networks in which the Bank participates (each a "Network"), subject to the Available Funds in your Account, the transaction limits described below, and the other terms and conditions of this Agreement. You acknowledge and agree that the value available to you for use with the Card is limited to the Available Funds in your Account. So long as you do not exceed the Available Funds in your Account, you may use the Card to purchase goods or services wherever the Card is honored. The Card cannot be used for illegal , and to obtain cash by initiating cash withdrawal transactions or on-line gambling activity. Your use of through the Card must at all times be in compliance with and subject to applicable laws, including from any financial institution or ATM that accepts the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countries. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online purchase) your Card must be registered and, the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Card. Each time you use your the Card, you authorize us Robinhood to deduct reduce the Available Funds in your Account by the amount of the transaction from purchase or withdrawal and any applicable fees, costs, or holdings. Please see your Customer Agreement for information about how Available Funds are calculated. In some circumstances, margin credit may be included in Available Funds. Nevertheless, if you exceed the balance Available Funds in your Account you shall remain fully liable to Robinhood and the Bank for the amount of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your cardtransactions and any applicable fees and charges. If you attempt do not have enough Available Funds in your Account to use cover a given transaction, you can instruct the merchant to charge a part of the purchase to the Card when there and pay the remaining amount using another payment method. These are insufficient funds associated with it, the transaction will generally be declinedcalled "split transactions." Some merchants do not allow cardholders to conduct split transactions. Nevertheless, if a transaction that exceeds the amount of Available Funds in your Account or causes you to have a negative balance of the funds available on in your Card occurs due to a systems malfunction or otherwiseAccount, you shall remain will be fully liable to us Robinhood and the Bank for the full amount of the transaction and any applicable fees or chargesfees. If When making purchases with your Card at any point-of-sale ("POS") device other than through a Digital Wallet provider, you wish may select "CREDIT" on the keypad to make a signature purchase. You may not use your Card for a purchase which is greater than the balance of the funds available on any online gambling, escort services or any illegal transaction. We may temporarily suspend – “freeze” – your Card, Card and try to contact you must tell the merchant if we notice transactions that are unusual or appear suspicious or for any other reason. You are required to charge only the exact amount of funds available on notify us immediately by sending us an email at xxxx@xxxxxxxxx.xxx if you believe the Card is lost or stolen. Merchant Holds on Available Funds: When you use your Card or Card number to the Card and then you must arrange to pay the difference using another payment method. The initiate a transaction at certain merchant may require payment for the difference in cash rather than accepting another cardlocations, websites or mobile applications, such as hotels, restaurants, gas stations, and rental car companies, where the final purchase amount is unknown at the time of authorization, a credit hold may be placed on the Available Funds in your Account for an amount equal to or debit cardin excess of the final transaction amount. Some merchants may The funds subject to the hold will not accept these “split transactions”. If be available to you fail to inform for any other purpose until the merchant prior sends the Bank the final transaction amount, although the hold will not affect your day trade buying power. Once the Bank receives the final transaction amount, it may take up to completing seven (7) days or more for the transaction, your Card is likely hold to be declinedremoved. If During that period, you commence a purchase and then change your mind and fail will not have access to make the purchase, after funds subject to the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) dayshold.

Using Your Card. The VISA Relationship Card is a prepaid, reloadable stored-value card. It is not a credit card. This card is issued by American Southwest Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Relationship Card on issue is limited to $2,500, and no more than $2,500 can be available for use on the Card at any one time. Activate your Card by visiting us online at xxxx://xxxx.xxx or calling toll-free, 1-866-901- 8090. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever the Card is honoredafter activation. The Card canis non-transferable. The person whom the card is purchased for is the only person authorized to use the Card. Please do not be used give your Card to anyone else to use. You are responsible for illegal all authorized transactions or on-line gambling activitymade with this additional Card. Your Only the purchaser can load funds to the account. You may only use of the Card must when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at all times an ATM or for purchases will be in compliance with and deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some merchants may, subject to applicable lawslimits, including allow you to use your Card for cash-back on purchases and cash may be advanced at financial institutions. When you use your Card at an automated gas station pump you will require a minimum of $99 available credit on the laws Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require a minimum credit of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countries$15. If you use your Card number without presenting to purchase meals or drinks, many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases, but you will only be debited with the actual amount you spend. Should you use your Card (such as to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If thirty days elapse without you authorizing an amount, any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental to allow for any additional expenses. If 30 days elapse without you authorizing an amount, any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a mail order, telephone, or online purchase) your Card must be registered and, similar amount for potential shipping costs although the legal effect amount finally debited will be the final bill. When making a purchase on the phone, by mail or online, the account information you provide must be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost, please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is in good standing and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation, any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transaction activity records by calling toll-free 0-000-000-0000 or by visiting xxxx://xxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your American Southwest CU VISA Relationship Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10 on your Relationship Card by making a payment at your local American Southwest CU branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxxx://xxxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may result not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $510 or 5 withdrawals per 24-hour period domestically, and $610 or 5 withdrawals per 24-hour period internationally. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Relationship Card Account Fees and Charges Card Fee - $7.95. Express Delivery Fee - $20.00. Reload Fee - $3.00 to reload value onto your Visa Relationship Card. (Your first reload each month is free) ATM Fee - There is a temporary hold $1.00 ATM withdrawal fee per ATM withdrawal in the US and $2.00 elsewhere in the world. (Your first two withdrawals per month are free) Account Maintenance Fee – There is a $2.00 monthly maintenance fee. Inactivity Fee – You will be charged a $3.00 monthly inactivity fee after 12 consecutive months of funds for up inactivity. This fee will continue until the balance reaches zero or the card is used again. Card Replacement/Reissue Fee – You will be charged $10.00 to thirty (30) days. Car rental and hotel authorizations may result in replace or reissue a temporary hold on funds up to thirty (30) dayslost, stolen, or damaged card.

Using Your Card. The Card allows convenient and secure electronic access to prepaid funds. You can use the Cardto make purchases wherever Visa cards are accepted in the United States. Purchases up to the stored value on the Card may use be made. (For certain exceptions see SectionI above.) If a transaction initiated by you or anauthorized user exceeds the remaining balance on the Card, you must tell the merchant beforecompleting the transaction. Any transaction attempted for more than the amount available on the Card will bedeclined. Therefore, youmust know theamount availableon your Card and inform the merchant to obtain goods or services wherever process the Card is honoredtransaction in that amount. You must pay the difference with another form of payment. The Card canmay not be used for any illegal activity. You agree not to use the Card for Internet gambling, whether or not Internet gambling is illegal in the jurisdiction in which you are located. Display of a payment card logoby anonline merchant does not mean that Internet gambling transactions are legal in the jurisdiction in which you are located. Youare liable for transactions you initiate by the use of the Card, whether deemed legal or on-line gambling activityillegal. Your use of the Card must at all times be in compliance with to purchase goods and subject to applicable laws, including servicesfrom merchants constitutes a simultaneous demand against and withdrawal from the laws of stored value on the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulationsCard. The Card cannot be used in OFAC sanctioned countries. If you You may use your Card number without presenting your Card (such as for a mail order, telephone, or online purchase) your Card must be registered and, the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, only in the manner and hotels, may obtain an authorization that exceeds for the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any a transaction made with your Card. Each time you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated originated with the Card. You are not allowed to exceed the balance responsible for all authorized transactions initiated by use of the funds available on your cardCard. If you attempt have a problem with a purchase that you made with the Card, or if youhave adispute with the merchant. youmust deal directly with the merchant involved. If you are entitled to use a refund, it is the Card when there are insufficient funds associated with itmerchant's own policyon refunds and returns that governs these transactions. Refunds could take the form of a credit to your Card, cash or an in-store credit. ADDITIONAL VALUE CANNOT BE ADDED TO THIS CARD. After the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds amount available on your Card occurs due has been exhausted, all attempted transactions will be declined. Youagreenot to a systems malfunction or otherwisemake transactions that exceed the value on your Card. In any case if you are given value through use of the Card greater than the remaining balance, you shall remain fully liable must pay us on demand the amount that exceeded the stored balance on the Card plus any fees that apply. You are responsible for all authorized transactions initiated by use of your Card. If you permit someone else to us use your Card, we will treat this as if you authorized the person to use your Card and you willbe responsible for any transactions initiated by such personwith your Card even if the amount of the transaction or number of transactions exceeds what you authorize. Funds available on this Card are non-transferable. Preauthorized or recurring payments by use of the Card are prohibited and any applicable fees or charges. If you wish agree not to use your the Card for a purchase which that purpose. NoATMaccess is greater than the balance of the funds available allowed on your Card, this card. Ill.Your Liability foralostor Stolen Cardor Unauthorized Transactions Contact us immediately if you must tell the merchant to charge only the exact amount of funds available on believe the Card to has been lost or stolen, or that someone has accessed or may access money from the Card without your permission. Call our processor toll-free at l- 866-360-2B42,24 hours a day, 7 days a week. Telephoning is the best way to keep your possible losses down. Youwillnotbeliable for lost valueon the Card if you satisfy the following conditions: • You have immediately called us and then you must arrange reported the Card lost or stolen,which allows us to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on status the Card. International transactions may result • You have signed the Card on its reverse side in a temporary hold permanent ink. • Youinform us of funds for up the Card number and the approximate date of your last authorized use. • Youhave not reported two or more incidents of unauthorized use to thirty (30) daysus in the preceding 12-month period. Car rental • You report all facts of the loss or theft to us and hotel authorizations may result you cooperate in a temporary hold on funds up to thirty (30) daysour investigation.

Using Your Card. Limits on the Use of Your Card. You are not authorized to make purchases that in the aggregate exceed $500 per transaction, $1,000 per calendar day, and/or $5,000 per calendar month. We reserve the right, in our sole discretion, to limit the amount, number or type of transactions you can make on your Card and any funding or reload of your Card. The Card is for personal use only. You agree not to use the Card for business purposes. We may, in our sole discretion, close your Card if we determine that it is being used for business purposes. We may refuse to process any transaction that we believe may violate the law or the terms of this Agreement. You agree that you will: (i) not use the Card at unlawful domestic or international gambling web sites, or at payment processors supporting unlawful gambling web sites, or to purchase illegal goods or services; (ii) promptly notify us of any loss or theft of the Card; and (iii) use the Card only as instructed. We may refuse to issue a Card, revoke or suspend your Card privileges or cancel your Card with or without cause or notice, other than as required by applicable law. You agree not to use or allow others to use an expired, revoked, cancelled, suspended or otherwise invalid Card. You may use your Card to obtain purchase or lease goods or services wherever anywhere Mastercard® 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 honoredpermitted 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. At the time of each purchase using the Card, you may be asked to sign a receipt for the transaction. The Card cannot be used for illegal transactions or on-line gambling activity. Your use dollar amount of the purchase will be deducted from the value associated with the Card. If you use your Card must at all times an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $75.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any 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 in compliance with and subject removed. It may take up to applicable lawsseven (7) days for the hold to be removed. During the hold period, including you will not have access to the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriespreauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online Internet purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. 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 except where required by law. You do may not have use your Card for online gambling, any illegal transaction or for car rental transactions. We may refuse to process any Card transaction that we believe may violate the right to stop payment on any transaction made with your Cardterms of this Agreement or applicable law. Each time you use your Card, you authorize us to deduct reduce the value available in your Card Account or Card- Sub Account by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance available amount in your Card Account or Card Sub-Account through an individual transaction or a series of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declinedtransactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwiseCard, you shall remain fully liable to us for the amount of the transaction and any applicable fees fees. We may deduct any amount that you owe us from any current or chargesfuture funds associated with this or any other Card you activate or maintain. For security reasons, we may limit the number or amount of transactions you can make with the Card. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account using your Card Account’s direct deposit account number. If you wish to use your Card for authorize a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card transaction and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transactiona purchase of that item as planned, the “authorization” approval may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysdays or more.

Using Your Card. Limits on the Use of Your Card. You are not authorized to make purchases that in the aggregate exceed $5,000 per transaction, $10,000 per calendar day, or $20,000 per month. Transactions that exceed these limits will be declined. We reserve the right, in our sole discretion, to limit the amount, number or type of transactions you can make on your Card and any funding or reload of your Card. You may only withdraw up to $1,000 from an ATM in a single day. We may, in our sole discretion, further limit your use of the Card at ATMs, and, in addition to our limits, an ATM owner or operator may impose additional withdrawal limits. The Card is for personal use only. You may use your Card to obtain purchase or lease goods or services wherever anywhere Visa® debit cards are accepted as long as you do not exceed the value available on your Card Account. Some merchants 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 honoredpermitted 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. At the time of each purchase using the Card, you may be asked to sign a receipt for the transaction. The Card cannot be used for illegal transactions or on-line gambling activity. Your use dollar amount of the purchase will be deducted from the value associated with the Card. If you use your Card must at all times an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $75.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase inside with the cashier. If you use your Card at a restaurant, a hotel, or for similar purchases, the merchant may preauthorize the transaction amount for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any 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 in compliance with and subject removed. It may take up to applicable lawsseven (7) days for the hold to be removed. During the hold period, including you will not have access to the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriespreauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online Internet purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. 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 except where required by law. You do may not have the right to stop payment on any transaction made with use your CardCard for car rental transactions. Each time you use your Card, you authorize us SpotOn to deduct direct the Bank to reduce the value available in your Card Account by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance available amount in your Card Account through an individual transaction or a series of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declinedtransactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwiseCard, you shall remain fully liable to us for the amount of the transaction and any applicable fees fees. SpotOn may direct the Bank to deduct any amount that you owe SpotOn from any current or chargesfuture funds associated with this or any other Card you activate or maintain. For security reasons, we may limit the number or amount of transactions you can make with the Card. You do not have the right to stop payment on any purchase or payment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account using your Card Account’s direct deposit account number. If you wish to use your Card for authorize a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card transaction and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transactiona purchase of that item as planned, the “authorization” approval may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysdays or more.

Using Your Card. You may use your Card only after activation and selection of a Personal Identification Number (PIN). W hen using your Card and selected PIN, you may withdraw cash from any participating network ATM worldwide. You may also use your Card to purchase goods and services at participating merchants who accept Debit MasterCard cards. You may change your PIN at any branch location and check your balance at xxx.xxxxxxxx0xx.xxx. Any entity honoring your Card may be required to obtain goods approval or services wherever the authorization for any transaction. The balance available for authorizing transactions with your Card is honoredthe lesser of your available balance or any dollar limitation disclosed for the transaction being performed. The You may use your Card cannot be used only in the manner and for illegal transactions or on-line gambling the purposes authorized by this agreement. W e may restrict access to your Card if we notice suspicious transaction activity. Your Access will be reinstated once we have contacted you and resolved any concerns regarding the authorized use of your Card. You are responsible for all authorized transactions initiated by the Card must at all times be in compliance with and subject to applicable laws, including the laws use of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriesyour Card. If you use your Card number without presenting your Card card (such as for a mail order, telephone, order or online purchase) your Card must be registered andtelephone purchases), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. 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 may not use your Card for any illegal transaction. You do not have the right to stop payment on any purchase or payment transaction made with originated by the use of your Card. Each time you use your Card, you authorize us to deduct the amount of the transaction You may not make preauthorized recurring payments from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due Account. Prior to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use using your Card for a purchase which is greater than please also note the balance of following items: • Do not disclose the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available PIN nor record it on the Card or otherwise make it available to anyone else • You are liable for transactions made by someone you have given your Card to • Promptly notify us of any loss or theft of the Card or PIN • You are liable for the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment PIN and for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.their authorized use

Using Your Card. You may use your Card to obtain make purchases at any merchant that accepts Mastercard debit cards or debit cards of Interlink or other networks in which the Bank participates (each a "Network"), subject to the Available Funds in your Account, the transaction limits described below, and the other terms and conditions of this Agreement. You acknowledge and agree that the value available to you for use with the Card is limited to the Available Funds in your Account. So long as you do not exceed the Available Funds in your Account, you may use the Card to purchase goods or services wherever the Card is honored. The Card cannot be used for illegal , and to obtain cash by initiating cash withdrawal transactions or on-line gambling activity. Your use of through the Card must at all times be in compliance with and subject to applicable laws, including from any financial institution or ATM that accepts the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countries. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online purchase) your Card must be registered and, the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Card. Each time you use your the Card, you authorize us Robinhood to deduct reduce the Available Funds in your Account by the amount of the transaction from purchase or withdrawal and any applicable fees, costs, or holdings. Please see your Customer Agreement for information about how Available Funds are calculated. In some circumstances, margin credit may be included in Available Funds. Nevertheless, if you exceed the balance Available Funds in your Account you shall remain fully liable to Robinhood and the Bank for the amount of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your cardtransactions and any applicable fees and charges. If you attempt do not have enough Available Funds in your Account to use cover a given transaction, you can instruct the merchant to charge a part of the purchase to the Card when there and pay the remaining amount using another payment method. These are insufficient funds associated with it, the transaction will generally be declinedcalled "split transactions." Some merchants do not allow cardholders to conduct split transactions. Nevertheless, if a transaction that exceeds the amount of Available Funds in your Account or causes you to have a negative balance of the funds available on in your Card occurs due to a systems malfunction or otherwiseAccount, you shall remain will be fully liable to us Robinhood and the Bank for the full amount of the transaction and any applicable fees or chargesfees. If When making purchases with your Card at any point-of-sale ("POS") device other than through a Digital Wallet provider, you wish may select "CREDIT" on the keypad to make a signature purchase. You may not use your Card for a purchase which is greater than the balance of the funds available on any online gambling, escort services or any illegal transaction. We may temporarily suspend – “freeze” – your Card, Card and try to contact you must tell the merchant if we notice transactions that are unusual or appear suspicious or for any other reason. You are required to charge only the exact amount of funds available on notify us immediately by sending us an email at xxxx@xxxxxxxxx.xxx if you believe the Card is lost or stolen. Merchant Holds on Available Funds: When you use your Card or Card number to the Card and then you must arrange to pay the difference using another payment method. The initiate a transaction at certain merchant may require payment for the difference in cash rather than accepting another cardlocations, websites or mobile applications, such as hotels, restaurants, gas stations, and rental car companies, where the final purchase amount is unknown at the time of authorization, a credit hold may be placed on the Available Funds in your Account for an amount equal to or debit cardin excess of the final transaction amount. Some merchants may The funds subject to the hold will not accept these “split transactions”. If be available to you fail to inform for any other purpose until the merchant prior sends the Bank the final transaction amount, although the hold will not affect your day trade buying power. Once the Bank receives the final transaction amount, it may take up to completing seven (7) days or more for the transaction, your Card is likely hold to be declinedremoved. If During that period, you commence a purchase and then change your mind and fail will not have access to make the purchase, after funds subject to the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) dayshold.

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is not a credit card. This card is issued by Apple FCU, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Prepaid Card on issue is limited to $5,000.00 and no more than $5,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 000-000-0000 or visit us online at XxxxxXXX.xxx. You will be required, for validation purposes, to provide personal information. You will also be given a PIN for your Personalized or Non Personalized Card which can be obtained by calling the customer support number. You will need your PIN to access cash from ATMs and to use at all merchants abroad equipped with global chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN before making more than three (3) attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant terminal using an EMV chip card will require you to unlock the PIN before your International Prepaid Card can be used at another merchant EMV chip terminal again. To unlock your PIN, you must first call the customer support line to obtain goods your correct PIN, next, find any ATM that accepts EMV chip cards; using the correct PIN, perform a Balance Inquiry or services wherever Cash Withdrawal transaction; after this transaction is complete, the PIN will automatically be unlocked and you are free to use your International Prepaid Card again at any merchant and ATM worldwide. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request four (4) additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International Prepaid Card, it is not available at international Visa merchants. If you use the Card to make a telephone call this can require a minimum credit of $15.00. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If seven (such as 7) days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a mail order, telephone, or online purchase) your Card must be registered and, similar amount for potential shipping costs although the legal effect amount finally debited will be the same as if the final bill. When making a purchase on the phone, by mail or online the account information you used provide must be the same account information as registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, is in good standing, and has greater than a $5 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number 000-000-0000 immediately to hear your PIN, especially before you try to use it at a merchant obtaining authorization for more than or an ATM. It is very important to maintain the available balance correct PIN because locking it out at a merchant’s EMV Chip terminal results in having to perform the process of unlocking the PIN before it can be used again at an EMV Chip merchant terminal. However, the card can still be used at any ATM’s worldwide that accept EMV Chip cards. . You will have up to three (3) attempts at entering a bad PIN before it locks., If you have locked your PIN, you must call the customer support number immediately, choose the option to “Hear Your PIN”, locate an ATM that accepts EMV Chip cards, perform a Balance Inquiry or Cash Withdrawal using the correct PIN in this ATM, complete the transaction, and the PIN will automatically be unlocked now. You can then go use your International Prepaid Card again at any merchant or ATM worldwide. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last five (5) transactions activity records by calling toll-free 000-000-0000 or by visiting XxxxxXXX.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Apple FCU VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $50.00 on your Prepaid Card by making a payment at your local Apple FCU branch. Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at XxxxxXXX.xxx or by calling toll free 000-000-0000 by initiating funds transfer from your designated funding account. Funds may result in not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a temporary hold transaction withdrawal limit of funds $1,015 per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for up security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to thirty (30) dayscomplete the transaction. Car rental Prepaid Card Account Fees and hotel authorizations may result in Charges Card Fee - $7.95 if a temporary hold member and ordered from a local branch and $7.95 plus shipping as advised when ordering online. Secondary Card Fee - $7.95 plus shipping as advised when ordering online. Inactivity Fee - If no activity for twelve months, a monthly inactivity fee of $2.50 per month will be assessed to the card balance until the card is activated. Card Replacement / Reissue Fee - You will be charged a fee of $5.00 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the PIN is blocked and/or circumstances request an immediate turnaround on funds up shipping out the replacement card; there will be an extra cost of $35 assessed to thirty (30) daysthe prepaid card for this Emergency Card Replacement service.

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is not a credit card. This card is issued by Members Choice Financial Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Prepaid Card on issue is limited to $500.00, and no more than $5000.00 can be available for use on the Card at any one time. Activate your Card by visiting us online at xxxxx://xxxxx.xxx/card-services/prepaid-cards/ or by calling 0-000-000-0000. Your PIN will automatically be assigned after activation is complete. You will be required, for validation purposes, to provide personal information. Once you have your initial PIN, you may also select your own PIN. You will need your PIN to access cash from ATMs and to use at merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever after activation. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at financial institutions. When you use your Card at an automated gas station pump you will require a minimum of $100 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require a minimum credit of $15. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card (such to pre-authorize a hotel reservation, add 15% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses, likewise add 15% to the rental/reservation to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as for the final bill. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting xxxxx://xxxxx.xxx/card-services/prepaid-cards/ where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Members Choice Financial Credit Union VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $20.00 on your Prepaid Card by making a payment at your local Members Choice Financial Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxxxx://xxxxx.xxx/card-services/prepaid-cards/ or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may result not be available for immediate use after you have initiated the transfer. You also have the ability to set up direct deposit to your prepaid card with your employer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in a temporary hold of funds for up to thirty advance and will be deducted from the Card. Prepaid Card Account Fees and Charges Service Fee (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty Enrollment); $5.00 Service Fee (30) days.Secondary Card Enrollment); $5.00 Pin Change Fee; $2.00 Foreign Exchange Processing; 1% Card Replacement Fee (Lost/Stolen); $5.00 Customer Service Call Fee; $3.00

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is neither a credit card, nor a FDIC insured deposit account. This card is issued by 360 Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Prepaid Card on issue is limited to $5000.00, and no more than $2500.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.000xxx.xxx. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever after activation. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request two additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $49.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15.00. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre- authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If five (such 5) days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as for the final bill. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write you’re PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 1-866-760- 3156 see below or applicable fees or by visiting xxx.000xxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your 360FCU VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $25.00 on your Prepaid Card by making a payment at your local 360 Federal Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.000xxx.xxx or by calling toll free 0-000-000-0000 by initiating funds transfer from your designated funding account. Funds may result not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in a temporary hold of funds for up advance and will be deducted from the Card. Reloadable Prepaid Card Account Fees and Charges $10.95 Initial Enrollment Fee $5.95 Additional Card Fee: If ordered at the same time as the primary card. $5.95 Additional Value Load Fee or Reload Fee: To reload value onto your Visa Prepaid Card. (Please remember Non-Personalized cards are limited to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days4 reloads included the initial value load).

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is neither a credit card, nor a NCUA insured deposit account. This card is issued by Sioux Falls Federal Credit Union; pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Prepaid Card on issue is limited to $3,000.00, and no more than $3,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxxxx://xxxxxxxxxxxxx.xxx/spend/personal/prepaid-cards. You will be required, for validation purposes, to provide personal information. During activation you will be given a PIN. You may also select your own PIN. You will need your PIN to access cash from ATMs and to use at Interlink merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever after activation. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request four additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some Interlink and VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. When you use your Card at an automated gas station pump you will require a minimum of $99.00 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require of minimum credit of $15.00. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card (such to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If 3 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as for the final xxxx. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card, which will be not less than 36 months after you purchased the Card. We will not automatically reissue a new card when yours expires, but you can order a new card and transfer any remaining balance on the expired Card to the new one. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, and then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free 0-000-000-0000 or by visiting xxxxx://xxxxxxxxxxxxx.xxx/spend/personal/prepaid- cards where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Sioux Falls Federal Credit Union VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $20.00 on your Prepaid Card by making a payment at your local Sioux Falls Federal Credit Union branch. Please bear in mind the number of loads on a Non-personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities, however, as a fraud prevention measure we will limit the frequency of reloads to no more than five in any seven day period.. You can also add value at xxxxx://xxxxxxxxxxxxx.xxx/spend/personal/prepaid-cards or by calling toll free 1-866-760- 3156 by initiating funds transfer from your designated Sioux Falls Federal Credit Union funding account. Funds may not be available for immediate use after you have initiated the available transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a transaction withdrawal limit of $500 or 5 withdrawals per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for security purposes. In addition to our ATM withdrawal fee described below, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to complete the transaction. This surcharge may not be notified to you in advance and will be deducted from the Card. Prepaid Card Account Fees and Charges All fees Amount Details Get started Card purchase $10.00 Fee per each Primary Card Account enrollment Secondary Card $5.00 Fee per each additional card added to the Primary Account Express Delivery $25.00 Fee per each Expedited Card Delivery requested Monthly usage Inactivity Fee $5.00 Monthly fee assessed after 12 months of inactivity. Add money Value Reload $2.00 Fee per each value reload Direct Deposit $0.00 Not available. Spend Money Purchase Transaction $0.00 Fee per purchase transaction Get Cash ATM Withdrawals $1.00 This is our fee, an additional fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry. Cash Advance $0.00 Fee per cash advance transaction Information Customer Service (automated) $0.00 No fee for calling our automated customer service line, including for balance inquiries. Customer Service (live agent) $3.75 Fee is charged for calling our live customer service agents, including for balance inquiries. Using your card outside the US Foreign Exchange Transaction 1% Of the U.S. dollar amount of each transaction. International ATM Withdrawal $1.00 This is our fee. You may also be charged a fee by the ATM operator, even if you do not complete a transaction. Other Inactive Account $5.00 You will be charged $5.00 each month after you have not completed a transaction using your card for 12 months after card activation. Card Reissue $10.00 Per each card reissue requested Lost Stolen Card Replacement $10.00 Per each card replacement requested Treat this card like cash. Not NCUA insured. Your funds will be held at or transferred to Sioux Falls Federal Credit Union. If Sioux Falls Federal Credit Union fails, you are not protected by NCUA share insurance and could lose some or all of your money. No overdraft/credit feature. Contact Cardholder Services, Inc by calling 000-000-0000, by mail at Cardholder Services X.X. Xxx 000000 XX. Xxxxxxxxxx, XX 00000, or visit xxxxx://xxxxxxxxxx.xxxxxx.xxx/xxxxx.xxx?&clientkey=108930%20Sioux%20Falls%20FCU For general information about prepaid accounts, visit xxxx.xxx/xxxxxxx. If you have a complaint about a prepaid account, call the Consumer Financial Protection Bureau at 0-000-000-0000 or visit xxxx.xxx/xxxxxxxxx. Foreign Exchange: 1% of the transaction amount. If a card transaction is made in a currency other than that loaded on the Card, the amount will be converted into the appropriate currency at an exchange rate on the day the transaction is processed. International transactions may result The exchange rate used is the wholesale money market or the government-mandated rate. Our Liability If we do not complete a transfer from the Card on time or in the correct amount according to these terms and conditions we will be liable for your losses or damages. However there are some exceptions. We will not be liable, for instance: • If through no fault of ours, an ATM or merchant refuses to honor the Card. • If through no fault of ours, you do not have enough money available on your Card to make a temporary hold of funds for up to thirty withdrawal or purchase. • If the terminal or system was not working properly and it was known about when the transaction started. • If circumstances beyond our control; (30such as flood or fire) daysprevent the transfer, despite reasonable precautions that we have taken. Car rental • Other exceptions stated in these terms and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysconditions.

Using Your Card. Features The maximum amount that can be spent on your Card per day is $750.00. The maximum value of your Card is restricted to $750.00. You may use your Card to obtain purchase or lease goods or services wherever everywhere 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 is honored. The Card cannot be used as partial payment for illegal transactions or on-line gambling activity. Your use 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 all times an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $100.00 or more. If your Card is declined, even though you have sufficient funds available, pay for your purchase 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% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Any 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 in compliance with and subject removed. It may take up to applicable lawsseven (7) days for the hold to be removed. During the hold period, including you will not have access to the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriespreauthorized amount. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online Internet purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. 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 do may not have the right to stop payment on use your Card for online gambling or any transaction made with your Cardillegal transaction. Each time you use your Card, you authorize us to deduct reduce the value available in your Card Account by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance available amount in your Card Account through an individual transaction or a series of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declinedtransactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwiseCard, you shall remain fully liable to us for the amount of the transaction and any applicable fees fees. You do not have the right to stop payment on any purchase or chargespayment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account. If you wish to use your Card for authorize a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card transaction and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transactiona purchase of that item as planned, the “authorization” approval may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations All transactions relating to car rentals may result in a temporary hold on for that amount of funds for up to thirty sixty (3060) days.

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is not a credit card. This card is issued by The Southern Credit Union pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs. You may also use your card at merchants who accept VISA debit cards worldwide. The card may not be used at some merchants including non-financial money exchange establishments and gambling establishments. The maximum value credited to the Prepaid Card on issue is limited to $5,000, and no more than $5,000 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 0-000-000-0000 or visit us online at xxx.xxxxxxxxxxxxxx.xxx. You will be required, for validation purposes, to provide personal information. To obtain your PIN you will need to call 0-000-000-0000. Once you have your initial PIN, you may also select your own PIN. You will need your PIN to access cash from ATMs and to use at merchants. Be sure to choose a PIN with a number that, while easy for you to remember, may be difficult for someone else to guess. You may use your Card to obtain goods or services wherever after activation. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request up to four additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. Only the primary cardholder can load funds to the account. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. Some merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at financial institutions. When you use your Card at an automated gas station pump you will require a minimum of $74 available credit on the Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require a minimum credit of $15. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Should you use your Card (such to pre-authorize a hotel reservation, add 20% to the reservation. Any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental and/or cruise ship businesses likewise add 15% to the rental/reservation to allow for any additional expenses. If 30 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Mail order companies often add a similar amount for potential shipping costs although the amount finally debited will be as for the final bill. When making a purchase on the phone, by mail order, telephone, or online purchase) your Card the account information you provide must be registered and, the legal effect will be the same account information as if you used registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your account is a personalized account, is in good standing, and has greater than a $0 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We advise that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions may result in activity records by calling toll-free 0-000-000-0000 or by visiting xxx.xxxxxxxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a temporary hold day, 7 days a week. Your The Southern Credit Union VISA Prepaid Card account number and some of funds the information requested when you ordered the Card are required for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysauthentication.

Using Your Card. The International VISA Prepaid Card is a reloadable stored-value card. It is not a credit card. This card is issued by InFirst FCU pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Prepaid Card on issue is limited to $3,000 and no more than $3,000 can be available for use on the Card at any one time. Activate your Card on line at xxxxxxxxxx.xxx or by calling toll-free (000) 000-0000. You will be required, for validation purposes, to provide personal information. You will also be given a PIN, and will have the opportunity to select a PIN of your choosing. You will need your PIN to access cash from ATMs and to use at all merchants abroad equipped with global chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to obtain goods hear or services wherever change your PIN. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot be used for illegal transactions or on-line gambling activityto anyone else to use. Your You may only use of the Card must when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at all an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be in compliance with and required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some VISA merchants may, subject to applicable lawslimits, including allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International VISA Prepaid Card, it is not available at international Visa merchants. When you use your Card at an automated gas station pump you will require a minimum of $100 available credit on the laws Card to enable gas to be dispensed (It may take up to 24 hours before any unused amount is available to spend due to the way in which the transactions are processed). If your available balance is less than this, please pay the attendant in the gas station. If you use the Card to make a telephone call this can require a minimum credit of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countries$15.00. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise lines operate a similar policy, usually 15%. Should you use your Card (such as to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a mail order, telephone, or online purchase) your Card must be registered and, similar amount for potential shipping costs although the legal effect amount finally debited will be the same as if the final bill. When making a purchase on the phone, by mail or online the account information you used provide must be the same account information as registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a merchant obtaining authorization refund for more than any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the available balance situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to hear or change your PIN. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write you're PIN on or near the Card. Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free (000) 000-0000 or by visiting xxxxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your International transactions VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $20.00 on your Prepaid Card by making a payment at your local InFirst FCU branch. Please bear in mind the number of loads on a non-personalized card is limited to four, including the initial load. You can also add value at xxxxxxxxxx.xxx or by calling toll free (000) 000-0000 by initiating funds transfer from your designated funding account. Funds may result in not be available for immediate use after you have initiated the transfer. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs may be limited by the ATM operator. ATM use is subject to a temporary hold transaction withdrawal limit of funds $510 domestically and $610 internationally per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for up security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to thirty (30) dayscomplete the transaction. Car rental Prepaid Card Account Fees and hotel authorizations may result in Charges Card Fee - $10.00 Card Replacement Fee - You will be charged a temporary hold fee of $10.00 to replace a card that is lost, stolen, or damaged. An Emergency card replacement can be requested if the circumstances require an immediate turnaround on funds up shipping out the replacement card; there will be an extra cost of $35 assessed to thirty (30) daysthe prepaid card for this Emergency Card Replacement service.

Using Your Card. You may use your Card to obtain purchase or lease goods or services wherever the Card is honoredhonored as long as you do not exceed the value available on your Card. The Card cannot be used You are responsible for illegal all transactions or on-line gambling activity. Your initiated by use of your Card. If you permit someone else to use your Card we will treat this as if you have authorized such use and you will be responsible for any transactions made subject to such use. If you do not have enough value loaded on your Card you can instruct the merchant to charge a part of the purchase to the Card must at all times be and pay the remaining amount with cash or another card. These are called “split transactions”. Some merchants do not allow cardholders to conduct split transactions. Some merchants will only allow you to do a split transaction if you pay the remaining amount in compliance with and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriescash. If you use your Card number without presenting your Card (such as for a mail order, telephone, order or online telephone purchase) your Card must be registered and), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. 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 do may use your Card to access cash at an Automated Teller Machine (ATM). You may not have use your Card for any illegal transactions, use at casinos, and any gambling activity. You should keep track of the right amount of value loaded on Cards issued to stop payment you. You may call us at the Customer Service number shown on your Card and listed below at any transaction made with time to obtain the current value on your Card. Each time you use your Card, you authorize us to deduct reduce the value available on your Card by the amount of the transaction from the balance of the funds associated with the Cardtransaction. You are not allowed to exceed the balance of the funds available amount on your card. If you attempt to use the Card when there are insufficient funds associated with it, the through an individual transaction will generally be declinedor a series of transactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to (creating a systems malfunction or otherwise, “shortage”) you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If You agree to pay us promptly for the shortage and any applicable shortage fees. We also reserve the right to cancel this Card should you wish to use your Card for a purchase which is greater than the balance of the funds available on create one or more shortages with your Card, you must tell . You do not have the merchant right to charge only the exact amount stop payment on any purchase transaction originated by use of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”your Card. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence authorize a purchase transaction and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transactiona purchase of that item as planned, the “authorization” approval may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is not a credit card. This card is issued by Quest Federal Credit Union, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Prepaid Card on issue is limited to $5000.00 and no more than $5000.00 can be available for use on the Card at any one time. Activate your Personalized Card by calling toll-free, (000) 000-0000 or visit us online at xxx.xxxxxxxx.xxx. Non Personalized Cards are activated upon load. You will be required, for validation purposes, to provide personal information. You will also be given a PIN for your Personalized or Non Personalized Card which can be obtained by calling the customer support number. You will need your PIN to access cash from ATMs and to use at all merchants abroad equipped with global chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN before making more than 3 attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant terminal using an EMV chip card will require you to unlock the PIN before your International Prepaid Card can be used at another merchant EMV chip terminal again. To unlock your PIN, you must first call the customer support line to obtain goods your correct PIN, next, find any ATM that accepts EMV chip cards; using the correct PIN, perform a Balance Inquiry or services wherever Cash Withdrawal transaction; after this transaction is complete, the PIN will automatically be unlocked and you are free to use your International Prepaid Card again at any merchant and ATM worldwide. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request “four” additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International Prepaid Card, it is not available at international Visa merchants. If you use the Card to make a telephone call this can require a minimum credit of $15.00. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card (such as to pre-authorize a hotel reservation any amount requested in a preauthorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If 7 days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a mail order, telephone, or online purchase) your Card must be registered and, similar amount for potential shipping costs although the legal effect amount finally debited will be the same as if the final bill. When making a purchase on the phone, by mail or online the account information you used provide must be the same account information as registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. At this time, you will need to contact Quest Federal Credit Union if you wish to purchase a new card to replace the expired card. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number (000) 000-0000 immediately to hear your PIN, especially before you try to use it at a merchant obtaining authorization for more than or an ATM. It is very important to maintain the available balance correct PIN because locking it out at a merchant’s EMV Chip terminal results in having to perform the process of unlocking the PIN before it can be used again at an EMV Chip merchant terminal. However, the card can still be used at any ATM’s worldwide that accept EMV Chip cards. . You will have up to 3 attempts at entering a bad PIN before it locks., If you have locked your PIN, you must call the customer support number immediately, choose the option to “Hear Your PIN”, locate an ATM that accepts EMV Chip cards, perform a Balance Inquiry or Cash Withdrawal using the correct PIN in this ATM, complete the transaction, and the PIN will automatically be unlocked now. You can then go use your International Prepaid Card again at any merchant or ATM worldwide. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write you're PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last 5 transactions activity records by calling toll-free (000) 000-0000 or by visiting xxx.xxxxxxxx.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Quest Federal Credit Union VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $10.00 on your Prepaid Card by making a payment at your local Quest Federal Credit Union branch. Please bear in mind the number of loads on a Nonpersonalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at xxx.xxxxxxxx.xxx or by calling toll free (000) 000-0000 by initiating funds transfer from your designated funding account. Funds may result in not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a temporary hold transaction withdrawal limit of funds $500.00 per day. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for up security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to thirty (30) dayscomplete the transaction. Car rental Prepaid Card Account Fees and hotel authorizations may result in Charges Card Fee: $15.00 if a temporary hold member and ordered from a local branch and $15.00 plus shipping as advised when ordering online. Secondary Card Fee: $15.00 plus shipping as advised when ordering online. Inactivity Fee: If no activity for twelve months, a monthly inactivity fee of $3.00 per month will be assessed to the card balance until the card is activated. Card Replacement / Reissue Fee: You will be charged a fee of $15.00 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the PIN is blocked and/or circumstances request an immediate turnaround on funds up shipping out the replacement card; there will be an extra cost of $35 assessed to thirty (30) daysthe prepaid card for this Emergency Card Replacement service.

Using Your Card. How You may Can Use Your Card – Limits You can use your Card to obtain goods or services wherever complete Transactions at merchants that accept Network-branded debit cards (including internet, mail and phone order purchases). See the Card is honoredSupplemental Terms for other ways that you can use your Card, and how Loads can be made to your Card. The Card cannot be used for illegal transactions or on-line gambling activityThere are limits on the dollar amount and number of Transactions you can make. Your use These limits are described in the Supplemental Terms. Use of the Card by Others If you provide your Card to another person, you are responsible for that person’s use of your Card even if that person uses the Card for Transactions that you did not intend. In order to terminate the other person’s authority to use the Card, you must at all times be in compliance with and subject either get the Card back or call us to applicable laws, including deactivate the laws Card. Reissuance of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulationsCard may incur fees as described in the Fee List. The Card cannot be used in OFAC sanctioned countries. If Authorization Holds When you use your Card number without presenting your Card to pay for goods or services, certain merchants (such as restaurants and hotels) may ask us to authorize the transaction in advance and may estimate its final value up to twenty (20%) more to cover any tip or gratuity that you may add to the purchase. If this occurs and your total xxxx, after adding in the additional 20% (or more), exceeds the amount available on the Card, your transactions may be declined. Accordingly, you should ensure that the Card has an available balance that is 20% (or more) greater than your total xxxx prior to using the Card for these types of purchases. When we preauthorize a mail ordertransaction, telephone, or online purchase) we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your Card must Card’s funds for the amount indicated by the merchant (which may be registered and, more than the legal effect final settled transaction amount). We also may add an amount for certain merchants to ensure that sufficient funds will be available to cover the same as if you used the Card itselffinal transaction. Certain types of merchantsTransactions at certain merchants that authorize high dollar amounts, such as restaurants, gas stations, especially rental car rental agencies, companies and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do not have the right to stop payment on any transaction made with your Card. Each time you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained cause an “authorization” for the transaction, the or “authorizationhold” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the on your available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your Card for the correct amount of the final transaction, however, and hotel authorizations will release the hold on any excess amount when the transaction finally settles. Your Card is a Network-branded prepaid card that lets you purchase goods and services from merchants that accept debit cards in the Network. You can also use your Card for the Transactions described in the Supplemental Terms. Your Card is not a credit card, and may result not provide the same rights to you as those available in credit card transactions. It can be used only for the amount of the Load. ACH: the Automated Clearing House system Agreement: this Prepaid Card Agreement, together with the Supplemental Terms and the Fee List ATM: an automated teller machine where you may be allowed to use your Card if disclosed in the Supplemental Terms Business days: For purposes of this Agreement, our business days are Monday through Friday, excluding national holidays - Saturday, Sunday, and federal holidays are not considered business days, even if we are open. Card: the Prepaid Card provided to you Card carrier: The documents about your card that the Card is affixed to Fee list: the list of fees that apply to your Card, provided on the back of the Card carrier Load: any time that money is added to your Card Network: The Network Association (Mastercard or Visa), whichever appears on your Card PIN: A PIN is a four-digit code that may be used to make purchase transactions instead of signing for your transaction Sponsor: the organization that requested that we issue your Card, and that may Load the Card for your use Supplemental terms: additional terms that are part of this Agreement, provided on the back of the Card carrier Transaction: any time you use your Card to access the money on it we, us, and our: Sunrise Banks N.A., of Saint Xxxx, Minnesota, the issuer of the Card, our successors, affiliates or assignees you, your and yours: the person who is issued, or accepts, activates, or registers a Card and any Authorized User of the Card Receipts and Other Card Information You can get a receipt at the time you make any Transaction using your Card at a merchant or an ATM (if your Card allows this feature). A receipt may not be provided for certain small-ticket Transactions. You may obtain information about the amount of money you have remaining on your Card by calling us. This information, along with a 60-day history of Card Transactions and Loads is also available online at our website. You also have the right to obtain a 60-day written history of Card Transactions and Loads by calling us or writing to us. If you have arranged to have direct deposits or are expecting loads made to your Card at least once every 60 days from the same person or company, you can call us or visit our website to find out whether or not the deposit has been made. Our website, telephone number and address are printed in the Supplemental Terms. Fees You agree to pay all fees set forth in the Fee List. We can collect all fees by deducting them from the money on your Card and from any Loads. We can change the fees, as described below under “Changes to this Agreement.” Transactions Made in Foreign Currencies Transactions made in currencies other than U.S. dollars will be converted to U.S. dollars under the rules of the Network at the time of the Transaction. Currently those rules provide that the conversion rate may be either a wholesale market rate or government-mandated rate in effect the day the Network processes the Transaction. The currency conversation rate in effect on the processing date may be different from the rate in effect on the Transaction date or the posting date. We will also add a Foreign Currency Conversion Fee on all Transactions made in currencies other than U.S. dollars. The Foreign Currency Conversion Fee will be equal to a percentage amount of each foreign currency Transaction, as set forth in the Fee List. No Interest Paid We do not pay any interest on the money Loaded on your Card (the interest rate and the Annual Percentage Yield are 0%). Recurring Payments Because your Card can be used only for the amount that is Loaded to it, we recommend that you do not use your Card for recurring payments. If you do, please be sure that you have sufficient money on your Card for each payment. Otherwise, your payments will be rejected, and your Card may be terminated or suspended. If a Transaction Exceeds the Amount of Money on Your Card You should expect that any Transaction that exceeds the amount of money on your Card should be rejected. A fee may apply to a Transaction that is rejected, if disclosed in the Fee List. If a merchant completes a Transaction that results in a temporary hold negative balance on funds up your Card, you agree to thirty (30) daysimmediately pay us the amount of the negative balance. If you do not make the required payment, we have the right to initiate collection proceedings against you, report your failure to consumer reporting agencies and take other remedies. See Termination and Other Remedies. Expiration There is an expiration date printed on the front of your Date Card. You may not use your Card after the expiration date. The Supplemental Terms provide information about what happens after the Card expiration date.

Using Your Card. You may use your Card to obtain purchase goods at select merchant types that accept Visa debit cards or services wherever NYCE® cards as long as you do not exceed the value available on your Card. For additional information on merchant types where this card may be used, visit xxxxxxxxxxxxxxxxx.xxx and review the frequently asked questions section. Some merchants may allow transactions to be processed as either a “credit” or “debit.” A Personal Identification Number (“PIN”) is not required for “credit” transactions; just your signature. If you wish to or are required to conduct a “debit” transaction, your default PIN is the last four (4) digits of your Card Account number. You may visit xxxxxxxxxxxxxxxxx.xxx to update your PIN. The initial Card balance will be indicated on the Card is honoredpocket or will be pre-denominated on the Card. The Some merchants do not allow cardholders to conduct split transactions where you would use the Card cannot be used as partial payment for illegal transactions or on-line gambling activity. Your use 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, tell the merchant to charge only the exact amount of funds available on the Card must at all times and arrange to pay the difference using another payment method. 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 in compliance with declined. Certain merchants and/or the Issuer may increase the purchase authorization request or place a “hold” on your Card’s available balance to accommodate for potential Card overdrafts. These may include transactions from specific merchants or merchants belonging to certain merchant categories such as telephone and subject mail order companies. Some merchants may only accept your Card for full and final settlement of your xxxx. Any 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 applicable laws, including seven (7) days for the laws of hold to be removed and you will not have access to the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriespreauthorized amount during that period. If you use your Card number without presenting your Card (such as for a mail order, telephone, or online purchase) your Card must be registered andInternet purchases, the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Card. You do may not have the right to stop payment on use your Card for online gambling or any transaction made with your Cardillegal transaction. Each time you use your Card, you authorize us to deduct reduce the value available by the amount of the transaction from the balance of the funds associated with the Cardand any applicable fees. You are not allowed to exceed the balance available amount in your Card Account through an individual transaction or a series of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declinedtransactions. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwiseCard, you shall remain fully liable to us for the amount of the transaction and any applicable fees fees. You do not have the right to stop payment on any purchase or chargespayment transaction originated by use of your Card. You may not make preauthorized regular payments from your Card Account. If you wish to use your Card for authorize a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card transaction and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transactiona purchase of that item as planned, the “authorization” approval may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations All transactions relating to car rentals may result in a temporary hold on for that amount of funds for up to thirty sixty (3060) days. If you are entitled to a refund for any reason for goods or services obtained with your Card, you agree to accept credits to your Card for such refunds and agree to the refund policy of that merchant. The Issuer is not responsible for the delivery, quality, safety, legality or any other aspects of goods or services that you purchase from others with the Card. All such disputes must be addressed and handled directly with the merchant. Refunds are not processed in real-time and may require three (3) days or more for the funds to return to your Card.

Using Your Card. You Provided funds are available on your Card, you may use your Card to obtain goods perform the following types of transactions in accordance with this Agreement: • At ATMs and tellers at financial institutions worldwide displaying the Visa® or services wherever the Card is honored. The Card cannot be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with Plus® logos, and subject to any applicable lawsfees, including you may use your Card to (i) make withdrawals of cash up to the laws lesser of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulationslimits detailed in Section C-5 of this agreement or the amount of funds stored on your Card. The Card cannot be used in OFAC sanctioned countriesIndividual ATM limits may also apply. If you plan on traveling internationally, contact the Commerce Bank mySpending Card® Center at 0-000-000-0000 to inquire about using your Card abroad. • At merchants accepting Visa® debit or Interlink® transactions, you may use your Card number without presenting to pay for purchases of goods and services and obtain cash up to the amount of funds stored on your Card (such as for a mail order, telephone, or online purchase) including any applicable fees). Any person honoring your Card must may be registered andrequired to obtain approval or authorization for any transaction. We may recognize the transaction even if it was not authorized, the legal effect but that does not mean we will be accept the same as if you used the Card itself. Certain types type of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient to cover the actual amount of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardtransaction again. You do not have the right to stop payment on any point- of- sale transaction made with originated by use of your Card. Each time A PIN will not be needed in order to purchase goods or services using the “credit” transaction key at merchant locations that accept Visa® debit cards and allow transactions to be routed as “credit”, or when purchasing goods over the phone or on the Internet. Some of these services may not be available at all terminals. We will not be liable or responsible for any merchant’s inability or refusal to honor your Card. You agree that you will: (i) use the Card only as provided for in the Agreement; (ii) promptly notify us of any loss or theft of your Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, code, or numbers used to access Card funds; and (iv) not use your Card for any illegal purpose, including, but not limited to, online gambling merchants, whether or not online gambling is illegal in the state in which you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are agree not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declinedfor business purposes. Nevertheless, if a We may refuse to process any transaction that exceeds may violate the balance terms of the funds available on your Card occurs due to a systems malfunction this Agreement or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees law, regulation or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Cardrule (including, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another cardbut not limited to, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) daysany Visa rule). We are not responsible for a merchant obtaining authorization for more than may also limit the available balance on the Card. International transactions may result number of Cards issued to you in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysour sole discretion.

Using Your Card. You Provided funds are available in your Account, you may use your Card to obtain goods perform the following types of transactions in accordance with this Agreement: • At ATMs and tellers at financial institutions worldwide displaying the Visa® or services wherever the Card is honored. The Card cannot be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with Plus® logos, and subject to any applicable lawsfees, including you may use your Card to (i) make withdrawals of cash up to the laws lesser of the U.S. pertaining to anti-money laundering limits detailed in Section C-5 of this agreement or the amount of funds stored in your Account. Individual ATM limits may also apply. Commerce ATMs and anti-terrorism, Allpoint Network ATMs shall be considered In Network ATMs and applicable Visa® rules and regulations. The Card cannot can be used in OFAC sanctioned countriesfound on the locator page at xxxxxxxxxxxxxxxxxx.xxx. If you plan on traveling internationally, contact the Commerce Bank Velocity Pay® Center at 0-000-000-0000 to inquire about using your Card abroad. • At merchants accepting Visa® debit or Interlink® or Maestro® transactions, you may use your Card number without presenting your Card (such as to pay for a mail order, telephone, or online purchase) your Card must be registered and, the legal effect will be the same as if you used the Card itself. Certain types purchases of merchants, such as restaurants, gas stations, car rental agencies, goods and hotels, may services and obtain an authorization that exceeds the actual amount of your purchase. If cash up to the amount of an authorization exceeds the value remaining on funds stored in your Card, the transactions may not be honored, even though the value remaining on Account (including any applicable fees). Any person honoring your Card is sufficient may be required to cover obtain approval or authorization for any transaction. We may recognize the actual amount transaction even if it was not authorized, but that does not mean we will accept the same type of your purchase. If you use your Card at a gas pump, the station may assess up to a maximum $75 authorization hold regardless of the amount you charge for up to ten (10) days. If you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardtransaction again. You do not have the right to stop payment on any point-of-sale transaction made with originated by use of your Card. Each time A PIN will not be needed in order to purchase goods or services using the “credit” transaction key at merchant locations that accept Visa® debit cards and allow transactions to be routed as “credit”, or when purchasing goods over the phone or on the Internet. Some of these services may not be available at all terminals. We will not be liable or responsible for any merchant’s inability or refusal to honor your Card. You agree that you will: (i) use the Card only as provided for in the Agreement; (ii) promptly notify us of any loss or theft of your Card; (iii) promptly notify us of the loss, theft, or unauthorized disclosure of any PIN, code, or numbers used to access Account funds; and (iv) not use your Card for any illegal purpose, including, but not limited to, online gambling merchants, whether or not online gambling is illegal in the state in which you use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are agree not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declinedfor business purposes. Nevertheless, if a We may refuse to process any transaction that exceeds may violate the balance terms of the funds available on your Card occurs due to a systems malfunction this Agreement or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees law, regulation or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Cardrule (including, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another cardbut not limited to, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) daysany Visa rule). We are not responsible for a merchant obtaining authorization for more than may also limit the available balance on the Card. International transactions may result number of Cards issued to you in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) daysour sole discretion.

Using Your Card. You may use your Card to obtain goods or services wherever must activate the Card is honoredprior to use by calling the customer service number or by logging onto the website shown on the Card. The Your Card cannot may be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with and specific merchants that accept STAR® cards and/or Visa debit cards, subject to applicable laws, including the laws of limitations in this Agreement. See the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot be used in OFAC sanctioned countriesTransaction Restrictions section below for acceptable merchant types. If you use your Card number make a purchase without presenting your Card (such as for a internet, mail order, telephone, or online purchase) your Card must be registered andphone order purchases), the legal effect will be the same as if you used the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining you do not have enough funds available on your Card, you can instruct the transactions merchant to charge a part of the purchase to the Card and pay the remaining amount with other funds. These are called “split transactions,” and some merchants do not permit them. You may not use your Card to obtain cash at an automated teller machine (“ATM”) or at merchants that have agreed to provide cash back at the point-of-sale (“POS”). You cannot reload the Card or transfer Card value to other payment devices. However, the Sponsor from whom you received your Card may add additional funds to your Card. You agree that you will: (i) not use the Card at gambling websites or for any illegal transactions; (ii) promptly notify us of any loss or theft of the Card or unauthorized transactions; (iii) not use the Card for business purposes; and (iv) use the Card only as permitted by us. The Card may not be honoredaccepted by certain merchants whose goods or services are not legal for minors. We may refuse to process any transaction that we believe violates the terms of this Agreement. The Card itself may not be redeemed for cash, even though the value remaining on your Card is sufficient to cover the actual amount except where required by applicable law. You are responsible for all transactions initiated and fees incurred by use of your purchaseCard. If you use permit another person to have access to your Card at a gas pumpor Card number, the station may assess up to a maximum $75 authorization hold regardless of the amount we will treat this as if you charge for up to ten (10) days. If have authorized such use and you use your card inside a gas station, then only the actual value of the purchase will be immediately deducted from your cardliable for all transactions incurred by those persons. You may not request an additional Card for another person. For security reasons, we may limit the number or amount or number of transactions you can make on your with the Card. You do not have the right to stop payment on any transaction made with your Card. Each time purchase or payment transactions that you originate through the use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are may not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on make preauthorized regular payments from your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for a merchant obtaining authorization for more than the available balance on the Card. International transactions may result in a temporary hold of funds for up to thirty (30) days. Car rental and hotel authorizations may result in a temporary hold on funds up to thirty (30) days.

Using Your Card. The VISA Prepaid Card is a reloadable stored-value card. It is not a credit card. This card is issued by Apple FCU, pursuant to a license from Visa U.S.A, Inc. Your Card allows you to access your prepaid funds at ATMs, which display the Visa brand. You may also use your card at merchants who accept VISA debit cards worldwide. The maximum value credited to the Prepaid Card on issue is limited to $5,000.00 and no more than $5,000.00 can be available for use on the Card at any one time. Activate your Card by calling toll-free, 000-000-0000 or visit us online at XxxxxXXX.xxx. You will be required, for validation purposes, to provide personal information. You will also be given a PIN for your Personalized or Non Personalized Card which can be obtained by calling the customer support number. You will need your PIN to access cash from ATMs and to use at all merchants abroad equipped with global chip & pin terminals. You may use your Card after activation. If you cannot remember your PIN, you must call customer support at anytime 24/7/365 to hear your PIN before making more than three (3) attempts at entering an incorrect PIN. It is important to remember your PIN because locking your PIN at a merchant terminal using an EMV chip card will require you to unlock the PIN before your International Prepaid Card can be used at another merchant EMV chip terminal again. To unlock your PIN, you must first call the customer support line to obtain goods your correct PIN, next, find any ATM that accepts EMV chip cards; using the correct PIN, perform a Balance Inquiry or services wherever Cash Withdrawal transaction; after this transaction is complete, the PIN will automatically be unlocked and you are free to use your International Prepaid Card again at any merchant and ATM worldwide. The Card is non-transferable. The person who purchases the Card is honoredthe only person authorized to use the Card. The Please do not give your Card cannot to anyone else to use. You may request four (4) additional Cards when you order your Card for any user you authorize which will have to be used for illegal transactions or on-line gambling activity. Your use of the Card must at all times be in compliance with separately activated and subject to applicable laws, including the laws of the U.S. pertaining to anti-money laundering and anti-terrorism, and applicable Visa® rules and regulations. The Card cannot which can be used in OFAC sanctioned countriesthe same way as the Card at ATMs and merchants that accept VISA debit cards. You are responsible for all authorized transactions made with this additional Card. You may only use the Card when there is a balance available on the Card and only up to the amount left on the Card and any transaction fee due. All use at an ATM or for purchases will be deducted from your Card, including any transaction fees. Any transaction made that exceeds the available balance will be declined. However, there can be times when a Visa merchant puts an item through without prior authorization. If an overdraft occurs, the cardholder will be required to either reload funds onto the card or make a payment to Cardholder Services to cover the negative amount. Some VISA merchants may, subject to limits, allow you to use your Card for cash-back on purchases and cash may be advanced at a Visa affiliated financial institution. Cash-back is only available at US Visa merchants with your International Prepaid Card, it is not available at international Visa merchants. If you use the Card to make a telephone call this can require a minimum credit of $15.00. If you use your Card number without presenting to purchase meals or drinks many restaurants and bars factor a tip into the price of up to 20% when pre-authorizing Card purchases but you will only be debited with the actual amount you spend. Hotels and cruise liners operate a similar policy, usually 15%. Should you use your Card to pre-authorize a hotel reservation any amount requested in a pre-authorization will not be available to you to spend using the Card, although you will only be finally debited with the actual amount you spend. If seven (such as 7) days elapse without you authorizing an amount any pre-authorization will be cancelled and this will be available to you. Automobile rental businesses likewise add 15% to the rental to allow for any additional expenses and mail order companies often add a mail order, telephone, or online purchase) your Card must be registered and, similar amount for potential shipping costs although the legal effect amount finally debited will be the same as if the final bill. When making a purchase on the phone, by mail or online the account information you used provide must be the same account information as registered for the Card itself. Certain types of merchants, such as restaurants, gas stations, car rental agencies, and hotels, a difference may obtain an authorization that exceeds the actual amount of your purchase. If the amount of an authorization exceeds the value remaining on your Card, the transactions may not be honored, even though the value remaining on your Card is sufficient lead to cover the actual amount of your purchasea declined authorization. If you use the Card to buy goods and you want to use some other method of payment for part of the cost please advise the store in advance and use the Card first before paying any balance by other means. We do not guarantee that the establishment will fulfill this request. Your Card will expire on the date embossed on the front of the Card. If your card is a personalized card, is in good standing, and has greater than a $5 balance, it will automatically reissue. The Card is our property and we may revoke the Card at any time without cause or notice. You must surrender a revoked Card and any Additional Card and you may not use an expired or revoked Card. Upon revocation any amount remaining in your Card account, after deducting all applicable fees, will be returned to you. You will notify us promptly within a reasonable time if the Card is lost or stolen. A replacement Card will be issued for the balance remaining on the Card at a gas pump, the station may assess up time it is reported lost or stolen (subject to a maximum $75 authorization hold regardless unauthorized use of the amount Card as set out below). We may change the terms of this Agreement or any features of the Card, and we will give you charge notice of any such change required by law. Any entity honoring the Card is required to obtain approval or authorization for up to ten (10) daysany transaction. If you The balance available for authorizing transactions with the Card is the lesser of your available balance or any dollar limitation disclosed for the transaction being performed. You may use your card inside a gas station, then Card only in the actual value of manner and for the purchase will be immediately deducted from your card. For security reasons, we may limit the amount or number of transactions you can make on your Cardpurposes authorized by this Agreement. You do not have the right to stop payment on any purchase transaction made with your Card. Each time you originated by use your Card, you authorize us to deduct the amount of the transaction from the balance of the funds associated with the Card. You are not allowed to exceed the balance of the funds available on your card. If you attempt to use the Card when there are insufficient funds associated with it, the transaction will generally be declined. Nevertheless, if a transaction that exceeds the balance of the funds available on your Card occurs due to a systems malfunction or otherwise, you shall remain fully liable to us for the amount of the transaction and any applicable fees or charges. If you wish to use your Card for a purchase which is greater than the balance of the funds available on your Card, you must tell the merchant to charge only the exact amount of funds available on the Card to the Card and then you must arrange to pay the difference using another payment method. The merchant may require payment for the difference in cash rather than accepting another card, such as a credit or debit card. Some merchants may not accept these “split transactions”. If you fail to inform the merchant prior to completing the transaction, your Card is likely to be declined. If you commence a purchase and then change your mind and fail to make the purchase, after the merchant has already obtained an “authorization” for the transaction, the “authorization” may result in a temporary hold for that amount of funds for up to ten (10) days. We are not responsible for any injury to you or to anyone else caused by any goods or services purchased or leased with your Card. If you are entitled to a refund for any reason for goods or services obtained with a Card, you agree to accept credits to your Card in place of cash. We may suspend access to your Card if we notice excessive use of your Card or other suspicious or potentially illegal activities. Access will be reinstated once we have notified you, clarified the situation and rectified any problems. PIN Protection You agree to take all necessary steps to protect your PIN and never disclose your PIN to anyone. For security purposes never write your PIN on the Card and never carry a record of your PIN in your purse or wallet. If you permit someone else to use your Card and you give that person your PIN, we will treat this as if you have authorized this person to use your Card and you will be responsible for any transactions initiated by such person with your Card. We caution that any person to whom you may give an additional Card should be advised to treat the PIN for that Card in the same manner. If you have forgotten your PIN, call the customer support number 000-000-0000 immediately to hear your PIN, especially before you try to use it at a merchant obtaining authorization for more than or an ATM. It is very important to maintain the available balance correct PIN because locking it out at a merchant’s EMV Chip terminal results in having to perform the process of unlocking the PIN before it can be used again at an EMV Chip merchant terminal. However, the card can still be used at any ATM’s worldwide that accept EMV Chip cards. . You will have up to three (3) attempts at entering a bad PIN before it locks., If you have locked your PIN, you must call the customer support number immediately, choose the option to “Hear Your PIN”, locate an ATM that accepts EMV Chip cards, perform a Balance Inquiry or Cash Withdrawal using the correct PIN in this ATM, complete the transaction, and the PIN will automatically be unlocked now. You can then go use your International Prepaid Card again at any merchant or ATM worldwide. For Your Safety When Using an ATM, Please Observe the Following If the ATM you are using is inside a building, close the entry door completely upon entering. Individuals who have a legitimate need to gain access to an ATM should have an access device. Put withdrawn cash in a secure place before stepping away from the ATM. Be aware of your surroundings. If you believe you are being watched or followed, cancel your transaction, then go to a well-populated area. If necessary, call the local police. Do not write your PIN on or near the Card. International Do not give your PIN to anyone else. In case of an emergency, call 911. Card Activity Information You can review your Card balance and the last five (5) transactions activity records by calling toll-free 000-000-0000 or by visiting XxxxxXXX.xxx where full details of all transactions are available free of charge. This information is available to you 24 hours a day, 7 days a week. Your Apple FCU VISA Prepaid Card account number and some of the information requested when you ordered the Card are required for authentication. Card Reloading You can add value of at least $50.00 on your Prepaid Card by making a payment at your local Apple FCU branch. Please bear in mind the number of loads on a Non- personalized card is limited to four including the initial load. Personalized cards have unlimited reload capabilities. You can also add value at XxxxxXXX.xxx or by calling toll free 000-000-0000 by initiating funds transfer from your designated funding account. Funds may result in not be available for immediate use after you have initiated the transfer. The ability to set up direct deposit from your employer is also available. ATM Usage The frequency, amount, and timing of cash withdrawals made from ATMs; may be limited by the ATM operator. ATM use is subject to a temporary hold transaction withdrawal limit of funds $515 per 24-hour period. There may be other limitations on the types, frequency, and timing of cash withdrawals established by us from time to time, without notice, for up security purposes. A fee may be imposed by an ATM operator when you initiate a withdrawal or balance inquiry and by any ATM network used to thirty (30) dayscomplete the transaction. Car rental Prepaid Card Account Fees and hotel authorizations may result in Charges Card Fee - $7.95 if a temporary hold member and ordered from a local branch and $7.95 plus shipping as advised when ordering online. Secondary Card Fee - $7.95 plus shipping as advised when ordering online. Inactivity Fee - If no activity for twelve months, a monthly inactivity fee of $2.50 per month will be assessed to the card balance until the card is activated. Card Replacement / Reissue Fee - You will be charged a fee of $5.00 to replace a card that is lost or stolen, and to reissue a card due to a name change or damaged card. An Emergency card replacement can be requested if the PIN is blocked and/or circumstances request an immediate turnaround on funds up shipping out the replacement card; there will be an extra cost of $35 assessed to thirty (30) daysthe prepaid card for this Emergency Card Replacement service.