Common use of Card Controls Clause in Contracts

Card Controls. We offer Card Controls through ONE Wallet. This service allows you expanded control over debit card transaction usage. Within Card Controls, you may disable usage of your debit card(s); limit geographic regions in which your debit card transactions will be approved; allows you to choose certain transaction types to be prohibited (for example, prohibit ATM withdrawals; or you may wish to prohibit internet transactions, etc.); choose what types of merchant transaction types will be permitted or prohibited (for example, prohibit restaurants transactions; gas stations transactions; prohibit department store transactions, etc.); and set a dollar amount limit for transactions. Transactions you want declined may still be approved. For example, you might have disabled department store purchases; however, a merchant you view as a department store may process payments under a different merchant category code. Additionally, a transaction you want approved may be declined. For example, if you have chosen to enable grocery store purchases, but have disabled age-restricted purchases, a grocery store purchase which includes cigarettes or alcohol could be declined. You are protected against fraudulent transactions by Regulation E. If you promptly notify us about an unauthorized transaction involving your card and the unauthorized transaction took place on your Mastercard® branded card, including any PIN-based ATM or POS transactions, zero liability will be imposed on you for the unauthorized transaction. In order to qualify for the zero liability protection, you must have exercised reasonable care in safeguarding your card from the risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. For more information on your rights and responsibilities under Regulation E, please see our EFT Agreement and Disclosure located on our website. A link to this disclosure is included in the “Additional Policies And Disclosures” section of this document. We reserve the right to decline debit card transactions in the event fraud is suspected, even though your Card Control settings would have otherwise authorized such a transaction.

Card Controls. We offer Card Controls through ONE Wallet. This service allows you expanded control over debit card transaction usage. Within By enrolling in and/or using Card Controls, you You acknowledge and agree to the following terms and conditions. You may disable usage of your debit card(s); limit geographic regions register and enroll in which your Card Controls if You have an eligible ▇▇▇▇▇▇ debit card (“Card”) that is in good standing. Eligibility of Your debit card will be determined by us in our sole and absolute discretion. In addition to the obligations set forth in this Agreement, You must adhere to the terms and conditions set forth in Your Account Documentation, including, without limitation, our electronic funds transfers disclosure that has been separately provided to You within the ▇▇▇▇▇▇ Personal Account Agreement. We may terminate or suspend Card Controls or Your use of Card Controls at any time with or without notice. Card Controls provides You with the ability to: • Turn Your Card status on or off to suspend transactions from being processed; • Restrict Card usage to specific types of merchants and transaction types; • Establish threshold amounts; • Restrict Card usage to specific geographical regions; and • Elect to receive push notifications regarding certain transactions. These features are provided for Your convenience and protection, but do not relieve You from Your responsibilities or any potential liability for any unauthorized transaction under this Agreement and Your Account Documentation. You are responsible for monitoring Your Account activity, whether electronically or by checking Your statements. Use of Card Controls does not override Your responsibility to report unauthorized transactions in a timely manner as described in the Personal Account Agreement. Turning Your Card status off through Card Controls is not a replacement for reporting Your Card lost or stolen. You are responsible for the security of Your debit card and PIN. If You lose Your Card or suspect unauthorized use, You must report it to us immediately by calling Customer Support at ▇▇▇-▇▇▇-▇▇▇▇. Turning Your Card status off through Card Controls will not stop authorized or preauthorized Card transactions or the posting of refunds, reversals or credit adjustments to Your Account. All preauthorized transactions will be approved; allows you paid by ▇▇▇▇▇▇. This applies to choose authorizations made in both card present (i.e. in-store) and card not present situations (i.e. online, telephone, in-app, mobile wallet), and in the cases of preauthorized recurring transactions. Pre- authorized recurring transactions must be stopped in accordance with the agreement made with the merchant involved in the pre-authorization. Card Controls apply to card present, in-store and ATM transactions and may not prevent transactions made in card not present situations such as transactions by telephone, in-app, mobile wallet or online. Card Controls will not apply to certain merchant and transaction types identified by our Card Controls service provider and by merchants. We are not responsible for how merchants authorize transactions or code their terminal’s location or merchant type. The terminal coding is the sole responsibility of the merchant and may impact the ability of Card Controls to be prohibited recognize the merchant category or location. Certain merchants may seek an authorization hold at the time the transaction is initiated (for examplee.g. gas stations, prohibit ATM withdrawals; or you may wish to prohibit internet transactionsrestaurants, hotels, etc.); choose what types . The authorization hold may be higher or lower than the actual transaction paid because the final transaction amount is not known at the time the transaction is initiated. This may affect any threshold limits you apply in Card Controls, as we cannot control the amount of merchant transaction types will be permitted or prohibited (for example, prohibit restaurants transactions; gas stations transactions; prohibit department store transactions, etc.); and set a dollar amount limit for transactions. Transactions you want declined may still be approved. For example, you might have disabled department store purchases; however, a merchant you view as a department store may process payments under a different merchant category code. Additionally, a transaction you want approved once an authorization has been granted. Notifications may be declinedvary based upon Your operating system and settings. For exampleTo receive notifications You may need to change Your device’s settings to allow notifications. Deactivating one debit card will not stop transactions using other cards with different card numbers linked to your account. While We will make reasonable efforts to decline transactions while Your Card is in a disabled state, if you have chosen to enable grocery store purchases, but have disabled age-restricted purchases, a grocery store purchase which includes cigarettes or alcohol could We do not guarantee that all such transactions will be declined. You are protected against fraudulent transactions by Regulation E. If you promptly notify us about an unauthorized transaction involving your card acknowledge that the disable function is reliant on computer and/or telecommunication systems and other factors beyond our reasonable control. Disruptions to these systems may result in the unauthorized transaction took place on your Mastercard® branded card, including any PIN-based ATM or POS authorization of transactions, zero liability will even when the Card is in a disabled state. ▇▇▇▇▇▇ assumes no responsibility for failure of Card Controls to work in the expected manner except as expressly set forth in this Agreement. Availability may be imposed on you for affected by Your mobile carrier’s coverage area. CARD CONTROLS IS PROVIDED AT NO ADDITIONAL CHARGE. ▇▇▇▇▇▇ AND ITS SERVICE PROVIDER(S) SPECIFICALLY DISCLAIM ANY RESPONSIBILITY AND ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, AS TO THE OPERATION OF CARD CONTROLS. YOU AGREE THAT YOUR USE AND ACCESS TO CARD CONTROLS AND ANY EQUIPMENT ARE AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS,” WHEREIS,” “WITH ALL FAULTS,” AND “AS AVAILABLE” BASIS. FOR CLARIFICATION PURPOSES, NOTWITHSTANDING ANYTHING TO THE CONTRARY HEREIN, ALTHOUGH ▇▇▇▇▇▇ WILL TAKE REASONABLE PRECAUTIONS TO PROTECT CARD CONTROLS AND AVOID DELETION, CORRUPTION OR UNAUTHORIZED MODIFICATION OR ACCESS OF OR TO CARD CONTROLS, AND TO PROVIDE CARD CONTROLS ERROR-FREE OR UNINTERRUPTED, NO REPRESENTATION OR WARRANTY OF FITNESS, USE OR MERCHANTABILITY SHALL BE CONSTRUED UNDER THESE TERMS AND CONDITIONS. You may turn Card Controls off in Online Banking or in the unauthorized transaction. In order to qualify for the zero liability protection, you must have exercised reasonable care in safeguarding your card from the risk of loss or theft and, upon becoming aware of such loss or theft, promptly reported the loss or theft to us. For more information on your rights and responsibilities under Regulation E, please see our EFT Agreement and Disclosure located on our website. A link to this disclosure is included Mobile Application in the “Additional Policies And DisclosuresMy Cards” section menu. Your termination will not be effective until We have had a reasonable time to act upon it. Without limiting the foregoing, Your use of Card Controls may be suspended or terminated if You use Card Controls in a manner inconsistent with this document. We reserve Agreement or Your Account Documentation or any other agreement with ▇▇▇▇▇▇ related to the right to decline debit card transactions in the event fraud is suspected, even though your Card Control settings would have otherwise authorized such a transactionCard.