Common use of Debit Card Clause in Contracts

Debit Card. You may use your debit card to purchase goods and services any place your debit card is honored by participating merchants. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state or local law. Funds to cover your debit card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, CO-OP Network, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • Make deposits to your savings, checking and credit accounts. • Withdraw funds from your savings and accounts. • Transfer funds from your savings, checking and credit accounts. • Obtain balance information for your savings, checking and credit accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Point-of-Sale) transactions with your debit card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per day. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking Savings and Checking account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, accounts or approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkACCEL, NYCE, PLUS networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: •  Make deposits to your savings, savings and checking and credit accounts. •  Withdraw funds from your savings and checking accounts. •  Transfer funds from your savings, savings and checking and credit accounts. •  Obtain balance information for your savings, savings and checking and credit accounts. •  Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. •  Order goods or services online, by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: •  There may be a is no limit on the number of debit card Debit Card purchases you make per day. •  Purchase amounts are limited to the amount in your account.  You may purchase up to a maximum of $3,500.00 per day.  You may withdraw up to a maximum of $600.00 in any one (1) day from an ATM machine, which also includes any point-of-sale (POS) transactions (PIN based), if there are sufficient funds in your account.  You may transfer up to the available balance in your accounts at the time of the transfer. You may not  See “transfer more than the available balance. • See the Section called “Transfer Limitationslimitations” for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limitsAudio Response. If we approve Audio Response for your accounts, a separate personal identification number (PIN) will be assigned to you. You must use your personal identification number (PIN) along with your account number to access your accounts. At the present time, you may use Audio Response to:  Withdraw funds from your savings, checking, and money market accounts.  Transfer funds from your savings, checking, and money market accounts.  Obtain balance information for your savings, checking, money market, and certificate accounts.  Make loan payments from your savings and checking accounts.  Determine if a particular item has cleared.  Verify the last date and amount of your payroll deposit. Your accounts can be accessed under Audio Response via a touch-tone telephone only. Audio Response service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on Audio Response transactions may apply:  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of these those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits by on the credit union before you receive your access cardduration of each telephone call.

Debit Card. You If approved, you may use your debit Mastercard® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, COCo-OP NetworkOp networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking and credit accounts. • - Withdraw funds from your savings and checking accounts. • - Transfer funds from your savings, checking and credit accounts. • - Obtain balance information for your savings, checking and credit accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMastercard. • - Order goods or services by mail or telephone from places that accept VisaMastercard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • - There may be a is no limit on the number of debit card Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $1,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $600.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $1,000.00 from POS terminals per day, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® Debit card to purchase pur- chase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling trans- actions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be cov- ered under the plan. Without your consent, the Credit Union may not au- thorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protec- tion and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate imme- diate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkSTAR®, Plus®, Cirrus®, Maestro® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking share and credit share draft accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VisaacceptVisa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There - You may be a limit on the number of debit card make 999 Debit Card purchases you make per day. • - You may purchase up to a maximum of $1,200.00 per day. - You may make 999 cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $315.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may make 999 POS transactions in any one (1) day. - You may purchase up to a maximum of $1,200.00 from POS terminals per day, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You may use your debit card Card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling trans- action. If you wish to pay for goods or services over the Internet, you may be required to provide card member security information before you will be permitted to complete the transaction. You agree that you will not use your debit card Card for any transaction that is illegal il- legal under applicable federal, state state, or local law. Funds to cover your debit card Card purchases will be deducted from your checking account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transac- tion amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction transac- tion as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate immedi- ate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, CO-OP Network, and such other machines ACCEL or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa and NYCE networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. In addition, you may use your card without a PIN for certain transactions on the Visa, NYCE networks. However, provisions of this Agree- ment relating to Visa transactions do not apply to transactions processed through non- Visa networks. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your debit card Card to: • Make deposits to your savings, savings and checking and credit accountsaccounts (must be statement ac- counts). • Withdraw funds from your savings and checking accounts. • Transfer funds from your savings, savings and checking and credit accounts. • Obtain balance information for your savings, savings and checking and credit accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Point-of-Sale) transactions with your debit card Card and PIN (Personal Identification Iden- tification Number) to purchase goods or services at merchants that accept VisaVisa Debit. • Order goods or services by mail mail, telephone or telephone Internet from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per day. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods and services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction transactions that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft (checking) account. If the balance in your account is not sufficient For one-time debit transactions, you must consent to pay the transaction amount, the credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union’s overdraft privilege service in order for the transaction amount to be covered under the service. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for ATM overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft privilege and the Fee Schedule. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkOP, PLUS networks, and such other machines or facilities as the Credit Union may designate. At the this present time, you may also use your debit card to: • Make deposits to your savings, checking and credit designated accounts. • Withdraw funds from your savings and designated accounts. • Transfer funds from your savings, checking and credit designated accounts. • Obtain balance information for your savings, checking and credit designated accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesales (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants POS terminals that accept Visacarry the Interlink, AFFN logo. • Order goods or services by mail or telephone from places that accept VisaVisa Debit. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There may be is a limit on of 10 ATM withdrawals and POS purchases per one (1) day. • You may purchase up to the number available funds in your share draft (checking) account. • You may withdraw up to a maximum of debit card purchases you make $400 in any one (1) day from an ATM, if there are sufficient funds in your account. • You may purchase up to a maximum of $400 from POS terminals per one (1) day, if there are sufficient funds in your account. • You may purchase goods and services by mail or telephone up to a maximum of $1000 per one (1) day, if there are sufficient funds in your share draft (checking) account. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There For security purposes, there are daily withdrawal other limits on the frequency and purchase limits. You will be notified amount of these limits by the credit union before you receive your access cardwithdrawals at ATMs.

Debit Card. You may use your debit card Card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling trans- action. If you wish to pay for goods or services over the Internet, you may be required to provide card member security information before you will be permitted to complete the transaction. You agree that you will not use your debit card Card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases Card pur- chases will be deducted from your checking account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transac- tions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction transac- tion as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services serv- ices under this Agreement. You may use your debit card Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, CO-OP Network, and such other machines ACCEL or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa and NYCE networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transac- tion over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. In addition, you may use your card without a PIN for certain transactions on the Visa, NYCE networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your debit card to: • Make deposits to your savings, savings and checking and credit accountsaccounts (must be statement ac- counts). • Withdraw funds from your savings and checking accounts. • Transfer funds from your savings, savings and checking and credit accounts. • Obtain balance information for your savings, savings and checking and credit accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Point-of-Sale) transactions with your debit card Card and PIN (Personal Identification Identifica- tion Number) to purchase goods or services at merchants that accept VisaVisa Debit. • Order goods or services by mail mail, telephone or telephone Internet from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per day. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card Visa® Card to purchase goods and services any place your debit card is honored by from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide Card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card Card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card Card purchases will be deducted from your checking share draft account. If For ATM and one-time Debit Card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card Card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines of the Credit Union, CO-OP NetworkMAC and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa Card without a PIN for certain transactions on the Visa MAC and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a Card number, or swipe or insert your Card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your debit card Card to: • - Make deposits to your savingsshare, checking share draft, and credit money market (if applicable) accounts. • - Withdraw funds from your savings share, share draft, and money market (if applicable) accounts. • Transfer funds from your savings, checking and credit accounts. • Obtain balance information for your savings, checking and credit accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card Card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - There is no limit on the number of Debit Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $3,500.00 per day if there are sufficient funds in your account. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to the maximum limit (as disclosed in the Rate and Fee Schedule) in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkCirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your debit card to: • Make deposits to your savings, checking and credit accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • - There may be a is no limit on the number of debit card Debit Card purchases you make per day. • - You may purchase up to a maximum of $1,000.00 per day. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For one-time ATM and debt card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Fee Schedule. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan (MasterCard Credit Card) accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-STAR, Money Pass, Alliance One, and CO OP Networknetworks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the VISA or MasterCard Cirrus, CU 24 networks. However, provisions of this Agreement relating to VISA or MasterCard transaction do not apply to transactions processed through non- VISA or MasterCard networks. To initiate a VISA or MasterCard Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a VISA or MasterCard network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your debit card to: •  Make deposits to your savings, checking share and credit share draft accounts. •  Withdraw funds from your savings share and share draft accounts. •  Transfer funds from your savings, checking share and credit share draft accounts. •  Obtain balance information for your savings, checking share and credit share draft accounts. •  Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMasterCard. •  Order goods or and services by mail mail, or telephone from places that accept VisaMasterCard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on MasterCard Debit Card transactions may apply:  You are limited to ten (10) transactions (purchases and withdrawals) in any one (1) day.  You may withdrawal up to a maximum of $500 in any one (1) day from an ATM machine if there are sufficient funds in your account.  You may purchase up to the maximum of $2500.00 in any one (1) day, if there are sufficient funds in your account.  For security purposes, there may be other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. •  You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. •  See the Section called “Transfer Limitations” Limitation section for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You may use your debit card Card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card member security information before you will be permitted to complete the transaction. You agree that you will not use your debit card Card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card Card purchases will be deducted from your checking account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, CO-OP Network, and such other machines ACCEL or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa and NYCE networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. In addition, you may use your card without a PIN for certain transactions on the Visa, NYCE networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your debit card Card to: • Make deposits to your savings, savings and checking and credit accounts (must be statement accounts). • Withdraw funds from your savings and checking accounts. • Transfer funds from your savings, savings and checking and credit accounts. • Obtain balance information for your savings, savings and checking and credit accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Point-of-Sale) transactions with your debit card Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VisaVisa Debit. • Order goods or services by mail mail, telephone or telephone Internet from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per day. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, COCirrus, Co-OP NetworkOp, and Pulse networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa, Cirrus, Co-Op, and Pulse networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your debit card to: • Make deposits to your savings, checking and credit accounts. • - Withdraw funds from your savings share and checking accounts. • Transfer funds from your savings, checking and credit accounts. • - Obtain balance information for your savings, share and checking and credit accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There - You may be purchase up to a limit on the number maximum of debit card purchases you make $1,000.00 per day. • - You may transfer withdraw up to the available balance a maximum of $300.00 in any one (1) day from an ATM machine, if there are sufficient funds in your accounts at the time of the transferaccount. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, COCo-OP NetworkOp, STAR, PLUS, Cirrus, Discover networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa, Co-Op, STAR, PLUS, Cirrus, Discover networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking checking, and credit money market accounts. • - Withdraw funds from your savings savings, checking, and money market accounts. • - Transfer funds from your savings, checking checking, and credit money market accounts. • - Obtain balance information for your savings, checking checking, and credit money market accounts. • - Make loan payments from your savings, checking checking, and credit money market accounts. • Access your Transfer Line of Credit or other line of credit account. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from - Access your credit card loan account as an overdraft, only if linked to a checking or savings account in the amounts and on the days you request account. The following limitations on Debit Card transactions may apply: - There is no limit on the number of Debit Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkMasterCard, Plus, Co- Op, Star networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your share savings, checking share draft, and credit money market accounts. • ATM deposits are not allowed for Second Chance accounts. - Withdraw funds from your savings share savings, share draft, money market, and Line of Credit accounts. • - Transfer funds from your share savings, checking share draft, and credit Line of Credit accounts. • - Obtain balance information for your share savings, checking share draft, money market, and credit accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMasterCard. • - Order goods or services by mail or telephone from places that accept VisaMasterCard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There - You may be make a limit on the number total of debit card purchases you make 20 Debit Card purchases, cash withdrawals, or POS transactions per day. • - You may purchase up to a maximum of $2,510.00 per day. - You may withdraw up to a maximum of $525.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may purchase up to a maximum of $2,510.00 from POS terminals per day, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in ord er for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulti ng from these types of transactions. Services an d fees for overdrafts are shown in the document the Credit Union uses to capture the membe r’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the th e amount and treat a nd tre at the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkMasterCard, Star, and Pulse networks, and such other machines or facilities as the Credit Union may designate. In addi tion, you may use your debit card without a PIN for certain transactions on the MasterCard, Star, Cirru s, and Pulse networks. However, provisions of this Agreement relating only to debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-MasterCard networks. To initiate a debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a MasterCard network. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking checking, money market, and credit club accounts. • - Withdraw funds from your savings savings, checking, money market, and club accounts. • - Transfer funds from your savings, checking checking, money market, and credit club accounts. • - Obtain balance information for your savings, checking checking, money market, and credit club accounts. • - Make loan payments from your savings, checking checking, money market, and credit club accounts. • Access your Transfer Line of Credit or other line of credit account. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMasterCard. • - Order goods or services by mail or telephone from places that accept VisaMasterCard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card transactions may apply: • - There may be a is no limit on the number of debit card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You ma y withdraw up to a maximum of $505.00 in any on e (1 ) da y from an AT M machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,500.00 from POS terminals per day, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkCirrus, Pulse, American Express, Discover, PLUS, Mastercard, and Access OK networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Cirrus, Pulse, American Express, Discover, PLUS, Mastercard, and Access OK networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking share and credit share draft accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking share and credit share draft accounts. • Access your Transfer Line of Credit or other line of credit account. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - There is no limit on the number of Debit Card purchases you make per day. - You may purchase up to a maximum of $2,500.00 per day. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may purchase up to a maximum of $2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You may use your debit card Card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling trans- action. If you wish to pay for goods or services over the Internet, you may be required to provide card member security information before you will be permitted to complete the transaction. You agree that you will not use your debit card Card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases Card pur- chases will be deducted from your checking account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transac- tions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction transac- tion as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services serv- ices under this Agreement. You may use your debit card Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, CO-OP Network, and such other machines ACCEL/Exchange or facilities as the Credit Union may designate. At the present timeIn addition, you may also use your debit card to: without a PIN for certain transactions on the Visa and NYCE networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transac- tion over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. In addition, you may use your card without a PIN for certain transactions on the Visa, NYCE networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. • Make deposits to your savings, savings and checking and credit accountsaccounts (must be statement ac- counts). • Withdraw funds from your savings and checking accounts. • Transfer funds from your savings, savings and checking and credit accounts. • Obtain balance information for your savings, savings and checking and credit accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Point-of-Sale) transactions with your debit card Card and PIN (Personal Identification Identifica- tion Number) to purchase goods or services at merchants that accept VisaVisa Debit. • Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per day. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkPLUS® and Accel networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa PLUS® and Accel networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking checking, money market, and credit club accounts. • - Withdraw funds from your savings savings, checking, money market, and club accounts. • - Transfer funds from your savings, checking checking, money market, and credit club accounts. • - Obtain balance information for your savings, checking checking, money market, and credit club accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There - You may be a limit on the number of debit card make 50 Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,500.00 per day. - You may make 20 cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $600.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may make 50 POS transactions in any one (1) day. - You may purchase up to a maximum of $2,500.00 from POS terminals per day, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You may use your debit card Card to purchase goods and services any place your debit card is honored by from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card member security information before you will be permitted to complete the transaction. You agree that you will not use your debit card Card for any transaction that is illegal under applicable federal, state or local law. Funds to cover your debit card Card purchases will be deducted from your checking share draft account. If the balance in your account is not sufficient to pay the transaction amount, the credit union Credit Union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your accountAccount, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, Mastercard, CO-OP NetworkNetworks and Star Networks networks, and such other machines or facilities as the Credit Union may designatedesignate from time to time. At the present time, you may also use your debit card Card to: •  Make deposits to your savings, checking share and credit share draft accounts. •  Withdraw funds from your savings share and share draft accounts. •  Transfer funds from your savings, checking share and credit share draft accounts. •  Obtain balance information for your savings, checking share and credit share draft accounts. • Make loan payments from your savings, checking and credit accounts. •  Access your Transfer Line of Credit or other line of credit account. •  Make POS (Point-of-Sale) transactions with your debit card Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VisaMASTERCARD. •  Order goods or services by mail or telephone from places that accept VisaMASTERCARD. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of MASTERCARD debit card Card transactions may apply: • There  Purchase amounts may be a limit on limited in any one (1) day.  You may be limited to the number of debit card purchases you make per cash withdrawals in any one (1) day. •  You may be limited to the amount of money withdrawn from an ATM in any (1) day.  For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.  You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. •  See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Mastercard® card to purchase goods and services any place your debit card is honored by from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkCirrus and STAR networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • Make deposits to your savings, checking and credit accounts. • - Withdraw funds from your savings and share draft accounts. • Transfer funds from your savings, checking and credit accounts. • Obtain balance information for your savings, checking and credit accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMastercard. • - Order goods or services by mail or telephone from places that accept VisaMastercard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There may be a limit on the number of debit card purchases you make per day. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • - There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP Network, Union and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking share draft and credit savings accounts. • - Withdraw funds from your share draft and savings and accounts. • - Transfer funds from your savings, checking share draft and credit savings accounts. • - Obtain balance information for your savings, checking share draft and credit savings accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There - You may be a limit on the number of debit card make 20 Debit Card purchases you make per day. • - You may purchase up to a maximum of $2,000.00 per day. - You may make three (3) cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $800.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may make 20 POS transactions in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Mastercard® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Fee Schedule. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkNYCE and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, primary share and checking and credit accounts. • - Withdraw funds from your savings primary share and checking accounts. • - Transfer funds from your savings, primary share and checking and credit accounts. • - Obtain balance information for your savings, primary share and checking and credit accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMastercard. • - Order goods or services by mail or telephone from places that accept VisaMastercard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There - You may be a limit on the number of debit card make 15 signed Debit Card purchases you make per day. • - You may purchase up to a maximum of $5,000.00 per day. - You may be issued a card that requires a PIN and is restricted to ATM usage only. - You may make three (3) PIN cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may make ten (10) PIN POS transactions in any one (1) day. - You may purchase up to a maximum of $3,000.00 from PIN POS terminals per day, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or service over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For one- time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay any overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkAllpoint networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking share and credit share draft accounts. • Withdraw - Withdrawal funds from your savings and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There - Purchase amounts are limited to the amount in your account. - You may be purchase up to a limit on the number maximum amount of debit card purchases you make $1,500.00 per day. • - You may make ten (10) cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $520.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For one-time debit card transactions, you must consent to the Credit Union’s Overdraft Service in order for the transaction amount to be covered under the service. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft services and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkACCEL and PLUS networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • Make deposits to your savings, checking and credit accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from between your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • Make loan payments from your savings, checking and credit accounts. • - Access your Transfer Line of Credit or other line of credit accountaccount through your established Overdraft Protection Plan. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaVisa Debit Card or at POS terminals that display ACCEL and PLUS network logo(s). • - Order goods or services by mail mail, internet or telephone from places that accept VisaVisa Debit Cards. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - There is no limit on the number of Debit Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $5,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For consumer accounts only, for ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkAmerican Express, Cirrus, and CU Here networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa and networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your debit card to: • - Make deposits to your savings, savings and checking and credit accounts. • - Withdraw funds from your savings and checking accounts. • - Transfer funds from your savings, savings and checking and credit accounts. • - Obtain balance information for your savings, savings and checking and credit accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaCU Here networks logo(s). • Order - Purchase goods or services by mail or telephone from places that accept Visaobtain a cash advance anywhere the Visa card is accepted. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There - You may be a limit on the number of debit card make 15 Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may make 15 cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may purchase up to a maximum of $1,500.00 from POS terminals per day, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal Because of the servicing schedule and purchase limitsprocessing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. You will should review the Credit Union’s Funds Availability Policy to determine the availability of funds deposited at ATMs. Card Information Updates and Authorizations. If you have authorized a merchant to bill charges to your card on a recurring basis, it is your responsibility to notify the merchant in the event your card is replaced, your card information (such as card number and expiration date) changes, or the account associated with your card is closed. However, if your card is replaced or card information changes, you authorize us, without obligation on our part, to provide the updated card information to the merchant in order to permit the merchant to bill recurring charges to the card. You authorize us to apply such recurring charges to the card until you notify us that you have revoked authorization for the charges to your card. Your card is automatically enrolled in an information updating service. Through this service, your updated card information (such as card number and expiration date) may be notified of these limits by the credit union shared with participating merchants to facilitate continued recurring charges. Updates are not guaranteed before you receive your access cardnext payment to a merchant is due. You are responsible for making direct payment until recurring charges resume. To revoke your authorization allowing us to provide updated card information to a merchant, please contact us.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-NYCE, PLUS, and CO- OP Networknetworks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa, NYCE, PLUS, and CO-OP. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking share and credit share draft accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking share and credit share draft accounts. • - Access your Transfer Line of Credit or other line of credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - There is no limit on the number of Debit Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $750.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $750.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking Savings and Checking account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkPulse, Visa/Plus, and Cirrus networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa/Plus and Cirrus networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your debit card to: • ❖ Make deposits to your savings, checking share savings and credit share draft accounts. • ❖ Withdraw funds from your share savings and share draft accounts. • ❖ Transfer funds from your savings, checking share savings and credit share draft accounts. • ❖ Obtain balance information for your savings, checking share savings and credit share draft accounts. • Make loan payments from ❖ Access your savings, checking and credit Overdraft Protection accounts. • Access your Transfer Line of Credit or other line of credit account. • ❖ Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • ❖ Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: ❖ There is no limit on the number of Debit Card purchases you make per day. ❖ Purchase amounts are limited to the amount in your account. ❖ You may purchase up to a maximum of $5,000.00 per day. ❖ There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. ❖ You may withdraw up to a maximum of $1,000.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. ❖ There is no limit on the number of POS transactions you may make in any one (1) day. ❖ You may purchase up to a maximum of $5,000.00 from POS terminals per day, if there are sufficient funds in your account. ❖ For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • ❖ You may transfer up to the available balance in your accounts at the time of the transfer. You may not ❖ The approximate amount of time needed to make a cash withdrawal, deposit, transfer more than or loan payment transaction at an ATM and have the available balancetransaction posted to your account is one (1) business days. • ❖ The approximate amount of time needed to make a purchase with your debit card at a merchant terminal and have the transaction posted to your account is one (1) business days. ❖ See the Section called “Transfer Limitationstransfer limitations” for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkPLUS networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • Make deposits to your savings, checking and credit designated accounts. • Withdraw funds from your savings and designated accounts. • Transfer funds from your savings, checking and credit designated accounts. • Obtain balance information for your savings, checking and credit accounts. • Make loan payments from your savings, checking and credit designated accounts. • Access your Transfer Line of Credit or other line of credit accountOverdraft Protection Plan accounts. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaVisa Debit or at POS terminals that carry the network logo(s) that appear on the back of your card. • Order goods or services by mail or telephone from places that accept VisaVisa Debit. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There may be a is no limit on the number of debit card Debit Card purchases you make per day. • You may purchase up to a maximum of $5,000 per day. • You may withdraw up to a maximum of $600 in any one (1) day from an ATM, if there are sufficient funds in your account. • You may purchase up to a maximum of $5,000 from POS terminals per day, if there are sufficient funds in your account. • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkPLUS networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa PLUS networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your debit card to: • Make deposits to your savings, checking and credit accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services online or by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $1,500.00 per day. - You may make nine (9) cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $1,000.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may purchase up to a maximum of $1,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You may use your debit card Card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling trans- action. If you wish to pay for goods or services over the Internet, you may be required to provide card member security information before you will be permitted to complete the transaction. You agree that you will not use your debit card Card for any transaction that is illegal il- legal under applicable federal, state state, or local law. Funds to cover your debit card Card purchases will be deducted from your checking account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transac- tion amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction transac- tion as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, CO-OP Network, and such other machines ACCEL or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa and NYCE networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the trans- action over a Visa network. Please refer to the Member Liability section of this Agree- ment for terms and conditions. In addition, you may use your card without a PIN for certain transactions on the Visa, NYCE networks. However, provisions of this Agree- ment relating to Visa transactions do not apply to transactions processed through non- Visa networks. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your debit card Card to: • Make deposits to your savings, savings and checking and credit accountsaccounts (must be statement ac- counts). • Withdraw funds from your savings and checking accounts. • Transfer funds from your savings, savings and checking and credit accounts. • Obtain balance information for your savings, savings and checking and credit accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Point-of-Sale) transactions with your debit card Card and PIN (Personal Identification Identifi- cation Number) to purchase goods or services at merchants that accept VisaVisa Debit. • Order goods or services by mail mail, telephone or telephone Internet from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per day. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkNets, Cash Corner, Interlink, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking share and credit share draft accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • - There may be is a limit on the number of debit card Debit Card purchases you make per day. • Maximum of 20 per day. - Purchase amounts are limited to the amount in your account or $3,001.00 per day. - You may make 510.00 cash withdrawals in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Mastercard® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, COCo-OP NetworkOp, STAR, PLUS®, Cirrus®, Maestro® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking checking, and credit money market accounts. • - Withdraw funds from your savings savings, checking, and money market accounts. • - Transfer funds from your savings, checking checking, and credit money market accounts. • - Obtain balance information for your savings, checking checking, and credit money market accounts. • - Make loan payments from your savings, checking checking, and credit money market accounts. • Access your Transfer Line of Credit or other line of credit account. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMastercard. • - Order goods or services online or by mail or telephone from places that accept VisaMastercard. • Pay bills directly by telephone from - Access your credit card loan account as an overdraft, only if linked to a checking or savings account in the amounts and on the days you request account. The following limitations on Debit Card transactions may apply: - There is no limit on the number of Debit Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Mastercard® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one- time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any the overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, COCo-OP NetworkOp, NYCE, STAR, Cirrus®, Pulse, and PLUS® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • o Make deposits to your savings, checking share and credit share draft accounts. • o Withdraw funds from your savings share and share draft accounts. • o Transfer funds from your savings, checking share and credit share draft accounts. • o Obtain balance information for your savings, checking share and credit share draft accounts. • o Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMastercard. • o Order goods or services by mail or telephone from places that accept VisaMastercard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: o There is no limit on the number of Debit Card purchases you make per day. o Purchase amounts are limited to the amount in your account. o You may purchase up to a maximum of $1,000.00 per day. Youth checking accounts have a maximum purchase amount of $250.00. *Your limit may be higher or lower based on your need and qualifications. o There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM. o You may withdraw up to a maximum of 1,000.00 in any one (1) day from an ATM, if there are sufficient funds in your account. *Second Chance checking accounts have a maximum withdrawal of $500.00. Youth checking accounts have a maximum withdrawal of $250.00. o There is no limit on the number of POS transactions you may make in any one (1) day. o You may purchase up to a maximum of $1,000.00 from POS terminals per day, if there are sufficient funds in your account. *Second Chance checking accounts have a maximum withdrawal of $500.00. Youth checking accounts have a maximum withdrawal of $250.00. o For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • o You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • o See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will o New accounts may be notified subject to more strict limitations disclosed at the time of these limits by the credit union before you receive your access cardapplication.

Debit Card. You If approved, you may use your debit MasterCard® card to purchase goods and services any place your debit card is honored by from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkOP, NYCE, STAR and MasterCard networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking checking, and credit club accounts. • - Withdraw funds from your savings savings, checking, loan and club accounts. • - Transfer funds from your savings, checking checking, loan and credit club accounts. • - Obtain balance information for your savings, checking checking, loan and credit club accounts. • - Make loan payments from your savings, checking checking, and credit club accounts. • - Access your Transfer Line of Credit or other line of credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMasterCard. • - Order goods or services by mail or telephone from places that accept VisaMasterCard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There may be a limit on the number of debit card purchases you make per day. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance- Maximum ATM withdrawals/POS transactions per day of $7500.00 for Savings and Checking with 15 transactions per day. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Mastercard® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkSTAR, Cirrus® and Pulse networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • Make deposits to your savings, savings and checking and credit accounts. • Withdraw funds from your savings and checking accounts. • Transfer funds from your savings, savings and checking and credit accounts. • Obtain balance information for your savings, savings and checking and credit accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMastercard. • Order goods or services by mail or telephone from places that accept VisaMastercard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There may be a is no limit on the number of debit card Debit Card purchases you make per day. • Purchase amounts are limited to the amount in your account. • You may purchase up to a maximum of $2,000.00 per day. • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $510.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • There is no limit on the number of POS transactions you may make in any one (1) day. • You may purchase up to a maximum of $510.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkMoneyPass, Cirrus®, PULSE, and STAR networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking checking, and credit money market accounts. • - Withdraw funds from your savings, checking, money market, and club accounts. - Transfer funds from your savings and checking accounts. • Transfer funds from your savings, checking and credit accounts. • - Obtain balance information for your savings, checking checking, and credit money market accounts. • Make loan payments from your savings, checking and credit accounts. • - Access your Transfer Money Management Line of Credit or other line of credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - You may make 15 Debit Card purchases per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,500.00 per debit card purchase. - You may make 15 cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $600.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, COCo-OP NetworkOp, CU$, STAR, Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking share and credit share draft accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There - You may be a limit on the number of debit card make 15 Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,500.00 per day. - You may make 12 cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may make 12 POS transactions in any one (1) day. - You may purchase up to a maximum of $500.00 from POS terminals per day, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily - Maximum ATM withdrawal and purchase limits. You will be notified POS transactions per day of these limits by the credit union before you receive $500.00, if there are sufficient funds in your access cardaccount.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Financial Institution’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Financial Institution may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Financial Institution uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Financial Institution may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit UnionFinancial Institution. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit UnionFinancial Institution. In the event of repeated overdrafts, the Credit Union Financial Institution may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit UnionFinancial Institution, CO-OP Networknetworks, and such other machines or facilities as the Credit Union Financial Institution may designate. At the present timeIn addition, you may also use your Visa card without a PIN for certain transactions on the Visa networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card to: number, or swipe or insert your card at a point-of sale (POS) terminal and choose to route the transaction over a Visa network. Types of Transactions • Make deposits to your savings, savings and checking and credit accounts. • Withdraw funds from your savings and checking accounts. • Transfer funds from your savings, savings and checking and credit accounts. • Obtain balance information for your savings, savings and checking and credit accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • Order goods or services online or by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per day. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You may use your debit card Card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling trans- action. If you wish to pay for goods or services over the Internet, you may be required to provide card member security information before you will be permitted to complete the transaction. You agree that you will not use your debit card Card for any transaction that is illegal il- legal under applicable federal, state state, or local law. Funds to cover your debit card Card purchases will be deducted from your checking account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transac- tion amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction transac- tion as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, CO-OP Network, and such other machines ACCEL/Exchange or facilities as the Credit Union may designate. At the present timeIn addition, you may also use your debit card to: without a PIN for certain transactions on the Visa and NYCE networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the trans- action over a Visa network. Please refer to the Member Liability section of this Agree- ment for terms and conditions. In addition, you may use your card without a PIN for certain transactions on the Visa, NYCE networks. However, provisions of this Agree- ment relating to Visa transactions do not apply to transactions processed through non- Visa networks. • Make deposits to your savings, savings and checking and credit accountsaccounts (must be statement ac- counts). • Withdraw funds from your savings and checking accounts. • Transfer funds from your savings, savings and checking and credit accounts. • Obtain balance information for your savings, savings and checking and credit accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Point-of-Sale) transactions with your debit card Card and PIN (Personal Identification Identifi- cation Number) to purchase goods or services at merchants that accept VisaVisa Debit. • Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per day. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Mastercard® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkMastercard, Cirrus®, Accel, and Allpoint networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your share (savings, ) and checking and credit accounts. • - Withdraw funds from your savings share (savings) and checking accounts. • - Transfer funds from your share (savings, ) and checking and credit accounts. • - Obtain balance information for your share (savings, ) and checking and credit accounts. • - Make loan payments from your share (savings, ) and checking and credit accounts. • - Access your Transfer Line of Credit or other line of credit account(LOC) accounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMastercard. • - Order goods or services by mail or telephone from places that accept VisaMastercard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - You may make 15 Debit Card purchases per day. - You may purchase up to a maximum of $4,000.00 per day. - You may make six (6) cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $510.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Mastercard® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, COCo-OP NetworkOp, ACCEL, Cirrus®, and Maestro® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, savings and checking and credit accounts. • - Withdraw funds from your savings and checking accounts. • - Transfer funds from your savings, savings and checking and credit accounts. • - Obtain balance information for your savings, savings and checking and credit accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Point-of-Sale) transactions with your debit card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There - You may be purchase up to a limit on the number maximum of debit card purchases you make $2,000.00 per day. • - You may withdraw up to a maximum of $1,010.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may purchase up to a maximum of $1,000.00 from POS terminals per day, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Mastercard® card to purchase goods and services any place your debit card is honored by from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If To access Overdraft Privilege (ODP), you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkNYCE, Cirrus, PLUS, Mastercard, Visa, Discover, and American Express networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking and credit share and/or share draft accounts. • - Withdraw funds from your savings and share and/or share draft accounts. • - Transfer funds from your savings, checking and credit share and/or share draft accounts. • - Obtain balance information for your savingsshare, checking and credit share draft, and/or loan accounts. • - Make loan payments from your savings, checking and credit share and/or share draft accounts. • Access your Transfer Line of Credit or other line of credit account. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMastercard. • - Order goods or services online or by mail or telephone from places that accept VisaMastercard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - You may make 10 Debit Card purchases per day. - You may purchase up to a maximum of $2,500.00 per day. - You may make 10 cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine. - You may make 10 POS transactions in any one (1) day. - You may purchase up to a maximum of $2,500.00 from POS terminals per day. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkSTAR networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • Make deposits to your savings, checking and credit accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - There is no limit on the number of Debit Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $20,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You may use your debit card Your Debit Card to purchase goods and services any place your debit card is honored by from participating merchants. However, You may not use Your Debit Card to initiate any type of gambling transaction; You may not use Your Debit Card to initiate any type of electronic gambling transactions through the Internet. If You wish to pay for goods or services over the Internet, You may be required to provide Debit Card number security information before You will be permitted to complete the transaction. You agree that you You will not use your debit card Your Debit Card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card Your Debit Card purchases will be deducted from your Your checking account. If the balance in your Your checking account is not sufficient to pay the transaction amount, the credit union Credit Union will pay the amount and treat the transaction as a request to transfer funds from other deposit accountsYour Account, approved overdraft protection accounts or loan accounts that you You have established with the Credit Union. If you You initiate a transaction that overdraws your accountYour Account, you You agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreementagreement. You may use your debit card Your Debit Card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP Network, and such other machines or facilities as the Credit Union may designate. At the present time, you You may also use your debit card Your Debit Card to: • Make deposits to your savings, savings and checking and credit accounts. • ‐ Withdraw funds from your savings and checking accounts. • ‐ Transfer funds from your savings, savings or checking and credit accounts. • ‐ Obtain balance information for on your savings, savings and checking and credit accounts. • ‐ Make loan payments from your savings, savings and checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • ‐ Make POS point‐of‐sale (Point-of-SalePOS) transactions with your debit card Your ATM Card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaPLUS, NYCE network logos. • ‐ Make point‐of‐sale (POS) transactions with Your Card and personal identification number (PIN) to purchase goods or services at merchants that accept MasterCard . ‐ Order goods or services by mail or telephone from places that accept VisaMasterCard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • ‐ There may be a is no limit on the number of debit card MasterCard purchases that you can make in one day. ‐ Purchase amounts are limited to the amount in your account. ‐ You may purchase up to a maximum of $2500.00 per day. • ‐ There is no limit to the number of cash withdrawals you make in any one day at an ATM machine. ‐ You may withdrawal up to a maximum of $500.00 in any one day, if there are sufficient funds in your account. ‐ You may withdraw up to a designated maximum (at Your option as low as $50.00 per day), not to exceed the available balance in Your Account, dependent on Your credit worthiness, in any one day. ‐ There is no limit on the number of POS Transactions you can make in one day. ‐ You may purchase up to $250.00 from POS terminals per day, if there are sufficient funds in your account. ‐ You may transfer up to the available balance in your accounts Your Account at the time of the transfer. You may not transfer more than the available balance. • ‐ See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. card to initiate any type of gambling transaction. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkWCFCU networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • Make deposits to your savings, checking and credit accounts. • Withdraw funds from your savings share and share draft accounts. • Transfer funds from your savings, checking share draft and credit savings accounts. • Obtain balance information for your savings, checking share draft and credit savings accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMasterCard. • Order goods or services by mail or telephone from places that accept VisaMasterCard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card WCFCU Debit Card transactions may apply: • There You may be purchase up to a limit on the number maximum of debit card purchases you make $500.00 per day. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limitsFollow up addendum. You will be notified Daily limit of these limits by the credit union before you receive your access card$500.00 for any type of transaction.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP Networknetworks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking and credit share accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - There is no limit on the number of Debit Card purchases you make per day. - You may purchase up to a maximum of $1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, COSTAR, Instant Cash, Co-OP Op Network, PLUS networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • Make deposits to your savings, checking share and credit share draft accounts. • Withdraw funds from your savings share and share draft accounts. • Transfer funds from your savings, checking share and credit share draft accounts. • Obtain balance information for your savings, checking share and credit share draft accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There may be a is no limit on the number of debit card Debit Card purchases you make per day. • Purchase amounts are limited to the amount in your account. • You may purchase up to a maximum of $1,200.00 per day. • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • There is no limit on the number of POS transactions you may make in any one (1) day. • You may purchase up to a maximum of $1,200.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You may use your debit card Card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card member security information before you will be permitted to complete the transaction. You agree that you will not use your debit card Card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card Card purchases will be deducted from your checking account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card Card and PIN (Personal Identification Number) in automated teller machines of the Credit Union, TX, PLUS, Member Access, NYCE, CU24, CO-OP NetworkOP, Surf, VISA Networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa and NYCE networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. In addition, you may use your card without a PIN for certain transactions on the Visa, NYCE networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your debit card Card to: • Make deposits to your savings, savings and checking and credit accounts (must be statement accounts). • Withdraw funds from your savings and checking accounts. • Transfer funds from your savings, savings and checking and credit accounts. • Obtain balance information for your savings, savings and checking and credit accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Point-of-Sale) transactions with your debit card Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VisaVISA Debit. • Order goods or services by mail or telephone from places that accept VisaVISA. • Pay bills directly by telephone from Personal Identification Number (P.I.N.) will be your checking "remote banking signature", and you are responsible for maintaining its confidentiality. The P.I.N. should be memorized and not written, in order to prevent unauthorized use and so you may report its loss or savings account in the amounts and on the days you request theft accurately. The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There may be a limit For security purposes, there are limits on the number frequency and dollar amount of debit card daily purchases and withdrawals. We will notify you make per dayof the limitations that apply to your card. • You may transfer up request deposit capabilities once your account has been open for at least 90 days. • For the protection of our members, we have limited the amount of transactions to 3 ATM transactions and 10 point-of sale transactions within a 24 hour period. (4 p.m. to 4 p.m.). . XXXXX (Audio Response). If we approve the available balance in XXXXX audio response access service for your accounts at the time of the transferaccounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may not transfer more than use the available balanceaudio response access service to: • Transfer funds from your savings and checking accounts. • See the Section called “Transfer Limitations” Obtain balance information for transfer limitations that may apply to these transactionsyour savings, checking, club, and loan accounts. • There Make loan payments from your savings and checking accounts. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. • Verify the last date and amount of your payroll deposit. Your accounts can be accessed under the XXXXX audio response service via a touch tone telephone only. XXXXX service will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are daily withdrawal payable to you as a primary member and purchase limitswill be mailed to your address of record. You The Credit Union may set other limits on the amount of any transaction, and you will be notified of these those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction, and there may be limits by on the credit union before you receive your access cardduration of each telephone call.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkPULSE, Fastbank, and Money Pass networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking share and credit share draft accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services online or by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • - There may be a is no limit on the number of debit card Debit Card purchases you make per day. • - You may purchase up to a maximum of $1,500.00 per day. - You may withdraw up to a maximum of $2,500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not - The approximate amount of time needed to make a cash withdrawal transaction at an ATM and have the transaction posted to your account is three (3) business days. - The approximate amount of time needed to make a deposit transaction at an ATM and have the transaction posted to your account is three (3) business days. - The approximate amount of time needed to make a transfer more than transaction at an ATM and have the available balancetransaction posted to your account is three (3) business days. • - The approximate amount of time needed to make a loan payment transaction at an ATM and have the transaction posted to your account is three (3) business days. - The approximate amount of time needed to make a any other transaction at an ATM and have the transaction posted to your account is three (3) business days. - The approximate amount of time needed to make a purchase with your debit card at a merchant terminal and have the transaction posted to your account is three (3) business days. - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, COACCEL/Exchange, MasterCard, Co-OP NetworkOp, NYCE, Pulse, and STAR networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your share savings and checking accounts. - Withdraw funds from your share savings, checking and credit loan accounts. • Withdraw funds from your savings and accounts. • - Transfer funds from your share savings, checking and credit loan accounts. • - Obtain balance information for your share savings, checking and credit loan accounts. • - Make loan payments from your savings, share savings and checking and credit accounts. • - Access your Transfer Line of Credit or other line of credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMasterCard. • - Order goods or services by mail or telephone from places that accept VisaMasterCard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Check Card transactions may apply: - You may make 15 Check Card purchases per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may make 15 POS transactions in any one (1) day. - You may purchase up to a maximum of $2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For consumer accounts only, for ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkAmerican Express, Cirrus, and CU Here networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa and networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your debit card to: • - Make deposits to your savings, savings and checking and credit accounts. • - Withdraw funds from your savings and checking accounts. • - Transfer funds from your savings, savings and checking and credit accounts. • - Obtain balance information for your savings, savings and checking and credit accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaCU Here networks logo(s). • Order - Purchase goods or services by mail or telephone from places that accept Visaobtain a cash advance anywhere the Visa card is accepted. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There - You may be a limit on the number of debit card make 15 Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may make 15 cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may purchase up to a maximum of $1,500.00 from POS terminals per day, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal Because of the servicing schedule and purchase limitsprocessing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. You will should review the Credit Union’s Funds Availability Policy to determine the availability of funds deposited at ATMs. Card Information Updates and Authorizations. If you have authorized a merchant to xxxx charges to your card on a recurring basis, it is your responsibility to notify the merchant in the event your card is replaced, your card information (such as card number and expiration date) changes, or the account associated with your card is closed. However, if your card is replaced or card information changes, you authorize us, without obligation on our part, to provide the updated card information to the merchant in order to permit the merchant to xxxx recurring charges to the card. You authorize us to apply such recurring charges to the card until you notify us that you have revoked authorization for the charges to your card. Your card is automatically enrolled in an information updating service. Through this service, your updated card information (such as card number and expiration date) may be notified of these limits by the credit union shared with participating merchants to facilitate continued recurring charges. Updates are not guaranteed before you receive your access cardnext payment to a merchant is due. You are responsible for making direct payment until recurring charges resume. To revoke your authorization allowing us to provide updated card information to a merchant, please contact us.

Debit Card. You If approved, you may use your debit Mastercard® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Xxxxx uses to capture the member’s opt-in choice for overdraft protection and the Service Charges and Fees Schedule. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines at ATMs of the Credit Union, CO-OP NetworkCirrus® and PLUS® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, savings and checking and credit accounts. • - Withdraw funds from your savings and checking accounts. • - Transfer funds from your savings, savings and checking and credit accounts. • - Obtain balance information for your savings, savings and checking and credit accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VisaMastercard. • - Order goods or services online or by mail or telephone from places that accept VisaMastercard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • - There may be a is no limit on the number of debit card Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $510.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the Member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkCIRRUS, NYCE, and Alliance networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • Make deposits to your savings, checking share and credit share draft accounts. • Withdraw funds from your savings share and share draft accounts. • Transfer funds from your savings, checking share and credit share draft accounts. • Obtain balance information for your savings, checking share and credit share draft accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Visa Debit Card transactions may apply: • There may be a is no limit on the number of debit card Visa Debit Card purchases you make per day. • You may purchase up to a maximum of $1500.00 per day. • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $300.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking Savings and Checking account. If For one-time debit card transactions, you must consent to the Credit Union’s Courtesy Pay Plus plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Rate Addendum, Truth in Savings Disclosures and Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, accounts or approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkPLUS, Cirrus, VISA, MasterCard and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • ❖ Make deposits to your savings, checking Savings and credit Checking accounts. • ❖ Withdraw available funds from your savings Savings and Checking accounts. • ❖ Transfer available funds from your savings, checking Savings and credit Checking accounts. • ❖ Obtain balance information for your savings, checking Savings and credit Checking accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • ❖ Make POS (Point-of-Sale) transactions with your debit card and PIN (Personal Identification Number) to purchase goods or services at merchants POS terminals that accept Visathe Credit Union designates. • Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency ATM and amount of debit card POS transactions may apply: • There may be ❖ The daily limit for ATM withdrawals is $500 and for POS transactions the daily limit is $1,500, for a limit on the number total of debit card purchases you make $2,000 per day. • Reduced limits may apply to your account based on your credit worthiness. ❖ Purchase amounts are limited to the amount in your account. ❖ You may transfer up to the available balance in your accounts account at the time of the transfer. You may not ❖ See “transfer more than the available balance. • See the Section called “Transfer Limitationslimitations” for transfer limitations that may apply to these transactions. • There are ATM Only Card. Eligible to members who do not have a checking account. If approved, you may use your ATM Only Card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union and such other machines or facilities as the Credit Union may designate. At the present time, you may use your ATM Only Card to: ❖ Make deposits to your Savings accounts. ❖ Withdraw available funds from your Savings accounts. ❖ Transfer available funds from your Savings accounts. ❖ Obtain balance information for your Savings accounts. The following limitations on ATM transactions may apply: ❖ The daily withdrawal limit for ATM withdrawals is $500 per day. ❖ You may transfer up to the available balance in your account at the time of the transfer. ❖ See “transfer limitations” that may apply to these transactions. Because of the servicing schedule and purchase limitsprocessing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. XXXX (Member Automated Telephone Teller) (Audio Response). If we approve MATT for your accounts, a separate Personal Identification Number (PIN) will be assigned to you. You must use your PIN along with your account number to access your accounts. At the present time, you may use Audio Response to: ❖ Withdraw available funds from your Savings and Checking accounts. ❖ Transfer available funds from your Savings and Checking accounts. ❖ Obtain balance information for your Savings and Checking accounts. ❖ Make loan payments from your Savings and Checking accounts ❖ Determine if a particular item has cleared. ❖ Obtain tax information on amounts earned on Savings and Checking accounts or interest paid on loan accounts. ❖ Verify the last date and amount of your payroll deposit. ❖ Verify the last five (5) checks that have cleared your account. ❖ Verify the last five (5) deposits to your account. Your accounts can be accessed under Audio Response via a touch-tone telephone only. Audio Response service will be available for your convenience 24 hours per day. This service may be interrupted for a short time each day for data processing. The following limitations on MATT transactions may apply: ❖ There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day. ❖ See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. All checks are payable to you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the amount of any transaction, and you will be notified of these those limits. The Credit Union may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits by on the credit union before you receive your access cardduration of each telephone call.

Debit Card. You If approved, you may use your debit Mastercard® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkShazam, Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking share and credit share draft accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMastercard. • - Order goods or services by mail or telephone from places that accept VisaMastercard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - You may purchase up to a maximum of $1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $310.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may purchase up to a maximum of $1,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkSTAR, Honor, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa ACCEL, Co-Op, NYCE, Pulse, and STAR networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your debit card to: • Make deposits to your savings, checking and credit accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking share and credit share draft accounts. • Access your Transfer Line of Credit or other line of credit account. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - Purchase amounts are limited to the amount in your account. - You may withdraw up to a maximum of $605.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP Networknetworks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of- sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your debit card to: • Make deposits to your savings, checking and credit accounts. • - Withdraw funds from your savings share, checking, and Line of Credit accounts. • - Transfer funds from your savings, share and checking and credit accounts. • - Obtain balance information for your savings, share and checking and credit accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - You may make 99 Debit Card purchases per day. - You may make 99 cash withdrawals in any one (1) day from an ATM machine. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card member security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Rate and Fee Schedule. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union Credit Union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, STAR, PLUS and CO-OP Networknetworks, and such other machines or facilities as the Credit Union may designate. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of- sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your debit card to: •  Make deposits to your savings, savings and checking and credit accounts. •  Withdraw funds from your savings and checking accounts. •  Transfer funds from your savings, savings and checking and credit accounts. •  Obtain balance information for your savings, savings and checking and credit accounts. •  Make loan payments from your savings, savings and checking and credit accounts. •  Access your Transfer Line of Credit or other line of line-of-credit account. •  Make POS (Point-of-Sale) transactions with your debit card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VisaVisa and Star. •  Order goods or services by mail mail, telephone or telephone online from places that accept VisaVisa and Star. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card transactions may apply: • There  You may be a limit on the number of make 99 debit card purchases you make per day. •  You may purchase up to a maximum of $5,000.00 per day.  You may make 99 cash withdrawals in any one (1) day from an ATM.  You may withdraw up to a maximum of $515.00 in any one (1) day from an ATM, if there are sufficient funds in your account.  You may make 99 POS transactions in any one (1) day.  You may purchase up to a maximum of $2,500.00 from POS terminals per day, if there are sufficient funds in your account.  For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.  You may transfer up to the available balance in your accounts at the time of the transfer. You may not  See “transfer more than the available balance. • See the Section called “Transfer Limitationslimitations” for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your Mastercard® debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you are eligible and have authorized Debit Card Courtesy Pay, you agree to have your debit card transactions covered by Empower’s Courtesy Pay Service’s terms. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkSharenet!, Allpoint networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, share and checking and credit accounts. • - Withdraw funds from your savings share and checking accounts. • - Transfer funds from your savings, share and checking and credit accounts. • - Obtain balance information for your savings, share and checking and credit accounts. • - Make loan payments from your savings, share and checking and credit accounts. • - Access your Transfer Line of Credit or other line of credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaMastercard. • - Order goods or services by mail or telephone from places that accept VisaMastercard. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - There is no limit on the number of Debit Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - Purchase amounts by PIN are limited to $500.00 in any one (1) day, purchases by signature are limited to the amount in your account. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking Share Draft account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkAlliance One and Fifth Third Bank networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa Alliance One and Fifth Third Bank networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your debit card to: • Make deposits to your savings, checking and credit accounts. • Withdraw funds from your savings share and share draft accounts. • Transfer funds from your savings, checking share and credit share draft accounts. • Obtain balance information for your savings, checking share and credit share draft accounts. • Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There may be a is no limit on the number of debit card Debit Card purchases you make per day. • You may withdraw up to a maximum of $300.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may purchase up to a maximum of $1000.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkOP, Plus, and STAR networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa CO-OP, Plus, and STAR networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your debit card to: • - Make deposits to your savings, savings and checking and credit accountsaccounts at owned ATMs or ATMs with the Co-Op deposit logo. • - Withdraw funds from your savings and checking accounts. • - Transfer funds from your savings, savings and checking and credit accounts. • - Obtain balance information for your savings, savings and checking and credit accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - You may make a combined total of 15 Debit Card signature-based purchases and/or PIN POS transactions up to a maximum of $3,000.00 in a 24 hour period provided there are sufficient available funds in your checking account, unless your account is a Young Adult Checking account. If your account is a Young Adult Checking account, you may make a combined total of 15 Debit Card signature-based purchases and/or PIN POS transactions up to a maximum of $250.00 in a 24 hour period provided there are sufficient available funds in your checking account. - You may make 15 cash withdrawals up to a maximum of $550.00 in any 24 hour period from an ATM machine provided there are sufficient available funds in your checking account, unless your account in a Young Adult Checking account. If your account is a Young Adult Checking account, you may make 15 cash withdrawals up to a maximum of $250.00 in any 24 hour period from an ATM machine provided there are sufficient available funds in your checking account. - A combined daily total of $3,550.00 for Debit Card purchases, PIN POS transactions and ATM withdrawals for all checking account types except the Young Adult Checking accounts. If your account is a Young Adult Checking account, a combined total of $500.00 is available for Debit Card purchases, PIN POS transactions and ATM withdrawals. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs and POS terminals. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking Checking account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkMoneyPass, Cirrus, PULSE, Star networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking checking, and credit money market accounts. • - Withdraw funds from your savings, checking, money market, and club accounts. - Transfer funds from your savings and checking accounts. • Transfer funds from your savings, checking and credit accounts. • - Obtain balance information for your savings, checking checking, and credit money market accounts. • Make loan payments from your savings, checking and credit accounts. • - Access your Transfer Money Management Line of Credit or other line of credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on Debit Card transactions may apply: - You may make 15 Debit Card purchases per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,500.00 per debit card purchase. - You may make 15 cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $600.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of debit card transactions may apply: • There may be a limit on the number of debit card purchases you make per daytransfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your debit Visa® card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking share draft account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, COSTAR, Co-OP NetworkOp, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, STAR and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your debit card to: • - Make deposits to your savings, checking share and credit share draft accounts. • - Withdraw funds from your savings share and share draft accounts. • - Transfer funds from your savings, checking share and credit share draft accounts. • - Obtain balance information for your savings, checking share and credit share draft accounts. • - Make loan payments from your savings, checking and credit accounts. • Access your Transfer Line of Credit or other line of credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • There - You may be a limit on the number of debit card make 15 Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,500.00 per day. - You may make 12 cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may make 12 POS transactions in any one (1) day. - You may purchase up to a maximum of $500.00 from POS terminals per day, if there are sufficient funds in your account. - Maximum ATM withdrawal and POS transactions per day of $500.00, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.

Debit Card. You If approved, you may use your Visa® debit card to purchase goods and services any place your debit card is honored by from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your debit card for any transaction that is illegal under applicable federal, state state, or local law. Funds to cover your debit card purchases will be deducted from your checking account. If For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Fee Schedule. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the credit union will Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your debit card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, CO-OP NetworkPULSE, CU24, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa Visanet networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your debit card to: • - Make deposits to your savingsshare and checking accounts, checking and credit accountsat a Blackhawk ATM only. • - Withdraw funds from your savings share and checking accounts. • - Transfer funds from your savings, share and checking and credit accounts. • - Obtain balance information for your savings, share and checking and credit accounts. • - Make loan payments from your savings, checking and credit accounts. • - Access your Transfer Line of Credit or other line of credit accountKwik Cash accounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your debit card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail or telephone from places that accept Visa. • Pay bills directly by telephone from your checking or savings account in the amounts and on the days you request The following limitations on the frequency and amount of debit card Debit Card transactions may apply: • - There may be a is no limit on the number of debit card Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - There is no limit on the number of cash withdrawals in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $610.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. Other limits may apply under certain circumstances. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $5,000.00 from POS terminals per day, if there are sufficient funds in your account. Other limits may apply under certain circumstances. - You may transfer up to the available balance in your accounts at the time of the transfer. You may not transfer more than the available balance. • - See the Section called “Transfer Limitations” 2 for transfer limitations that may apply to these transactions. • There are daily withdrawal and purchase limits. You will be notified of these limits by the credit union before you receive your access card.