{"component": "clause", "props": {"groups": [{"samples": [{"hash": "6vo62l0pkIj", "uri": "/contracts/6vo62l0pkIj#debit-cards", "label": "Customer Agreement", "score": 31.0899372101, "published": true}, {"hash": "5wBjqzS7vQA", "uri": "/contracts/5wBjqzS7vQA#debit-cards", "label": "Customer Agreement", "score": 31.0899372101, "published": true}, {"hash": "411TdITgxu7", "uri": "/contracts/411TdITgxu7#debit-cards", "label": "Customer Agreement", "score": 31.0899372101, "published": true}], "snippet": "I understand and agree that My use of the Card is subject to the terms, conditions and disclosures set forth in the Robinhood Debit Card Agreement, which has been provided to Me in connection with the opening of My Account and which I may access on the Website. I understand and agree that I cannot request a Card for another person to use. I agree, however, that if I permit another person to have access to use My Card or Card number (an \u201cAuthorized Card User\u201d), I am authorizing all Card transactions by such person and I agree that there are no limits to my authorization. I accept all liability with respect to the Card transactions effected by Me and any Authorized Card Users. I further agree that I may I may terminate the authority of an Authorized Card User only by contacting \u2587\u2587\u2587\u2587@\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587\u2587 to cancel my Card. I agree that the cancellation of My Card is effective only after Robinhood has a reasonable period to act on My notice. If My Card is cancelled, I agree to destroy, or if requested by \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587, return the Card to Robinhood. I acknowledge that I will be responsible for any Card transactions that are processed because of My failure to destroy or return the Card following cancellation. If My Account includes margin privileges, I agree that transactions that exceed My free credit balances and deposits in the Sweep Service may result in margin credit being extended to My Account, for which I will be charged interest. I agree to review the Margin Disclosure Statement, which is available at \u2587\u2587\u2587\u2587\u2587://\u2587\u2587\u2587\u2587\u2587.\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587.\u2587\u2587\u2587/legal/.", "size": 9, "snippet_links": [{"key": "i-understand-and-agree-that", "type": "clause", "offset": [0, 27]}, {"key": "use-of-the-card", "type": "definition", "offset": [31, 46]}, {"key": "subject-to-the-terms", "type": "clause", "offset": [50, 70]}, {"key": "conditions-and-disclosures", "type": "clause", "offset": [72, 98]}, {"key": "debit-card-agreement", "type": "definition", "offset": [126, 146]}, {"key": "in-connection-with", "type": "clause", "offset": [178, 196]}, {"key": "my-account", "type": "definition", "offset": [212, 222]}, {"key": "the-website", "type": "clause", "offset": [249, 260]}, {"key": "another-person", "type": "definition", "offset": [318, 332]}, {"key": "access-to", "type": "definition", "offset": [399, 408]}, {"key": "card-number", "type": "definition", "offset": [424, 435]}, {"key": "card-transactions", "type": "clause", "offset": [486, 503]}, {"key": "i-agree-that", "type": "clause", "offset": [523, 535]}, {"key": "no-limits", "type": "clause", "offset": [546, 555]}, {"key": "i-accept", "type": "definition", "offset": [577, 585]}, {"key": "with-respect-to", "type": "clause", "offset": [600, 615]}, {"key": "authorized-card-users", "type": "clause", "offset": [661, 682]}, {"key": "i-further-agree-that", "type": "clause", "offset": [684, 704]}, {"key": "the-authority", "type": "clause", "offset": [727, 740]}, {"key": "cancellation-of", "type": "clause", "offset": [842, 857]}, {"key": "reasonable-period", "type": "definition", "offset": [906, 923]}, {"key": "to-act", "type": "definition", "offset": [924, 930]}, {"key": "i-agree-to", "type": "clause", "offset": [970, 980]}, {"key": "requested-by", "type": "clause", "offset": [996, 1008]}, {"key": "responsible-for", "type": "clause", "offset": [1079, 1094]}, {"key": "failure-to", "type": "clause", "offset": [1150, 1160]}, {"key": "free-credit-balances", "type": "clause", "offset": [1295, 1315]}, {"key": "sweep-service", "type": "clause", "offset": [1336, 1349]}, {"key": "margin-credit", "type": "clause", "offset": [1364, 1377]}, {"key": "margin-disclosure-statement", "type": "clause", "offset": [1468, 1495]}, {"key": "available-at", "type": "definition", "offset": [1506, 1518]}], "hash": "fef985532002ea969bb733642d079db2", "id": 1}, {"samples": [{"hash": "ij3XXt0USGS", "uri": "/contracts/ij3XXt0USGS#debit-cards", "label": "Cit Bank Agreement for Personal Accounts", "score": 36.4647581216, "published": true}, {"hash": "14Qhw8MHqKF", "uri": "/contracts/14Qhw8MHqKF#debit-cards", "label": "Cit Bank Agreement for Personal Accounts", "score": 35.0814247131, "published": true}, {"hash": "lbNmr1zIyEF", "uri": "/contracts/lbNmr1zIyEF#debit-cards", "label": "Banking Agreement", "score": 27.9555091858, "published": true}], "snippet": "You can use your Debit Card to withdraw funds from your checking account at ATMs and purchase goods or services at point-of-sale terminals up to specific dollar limits which may vary based on the type of account during a 24-hour period. Cash Withdrawals $800 POS $1,500 Customers with the CD products listed above agree to keep their funds on deposit for a fixed period of time. Unless otherwise provided, partial withdrawals are not permitted. If we permit an early withdrawal of principal, we may impose an early withdrawal penalty on the amount withdrawn as follows: 1 year or less 3 months simple interest More than 1 year to 3 years 6 months simple interest More than 3 years 12 months simple interest All withdrawals, including withdrawals of available interest and any early withdrawal penalties, will reduce earnings. Any withdrawals which reduce the account balance below the minimum balance requirement will require that the account be closed and shall be subject to the appropriate early withdrawal penalty.", "size": 7, "snippet_links": [{"key": "debit-card", "type": "clause", "offset": [17, 27]}, {"key": "your-checking-account", "type": "clause", "offset": [51, 72]}, {"key": "goods-or-services", "type": "definition", "offset": [94, 111]}, {"key": "dollar-limits", "type": "clause", "offset": [154, 167]}, {"key": "based-on", "type": "definition", "offset": [183, 191]}, {"key": "type-of-account", "type": "definition", "offset": [196, 211]}, {"key": "cash-withdrawals", "type": "definition", "offset": [237, 253]}, {"key": "agree-to", "type": "clause", "offset": [314, 322]}, {"key": "funds-on-deposit", "type": "clause", "offset": [334, 350]}, {"key": "period-of-time", "type": "clause", "offset": [363, 377]}, {"key": "partial-withdrawals", "type": "clause", "offset": [406, 425]}, {"key": "not-permitted", "type": "clause", "offset": [430, 443]}, {"key": "early-withdrawal-of-principal", "type": "clause", "offset": [461, 490]}, {"key": "early-withdrawal-penalty", "type": "clause", "offset": [509, 533]}, {"key": "simple-interest", "type": "clause", "offset": [594, 609]}, {"key": "withdrawals-of", "type": "definition", "offset": [734, 748]}, {"key": "available-interest", "type": "definition", "offset": [749, 767]}, {"key": "early-withdrawal-penalties", "type": "definition", "offset": [776, 802]}, {"key": "account-balance", "type": "definition", "offset": [859, 874]}, {"key": "minimum-balance-requirement", "type": "clause", "offset": [885, 912]}, {"key": "subject-to-the", "type": "definition", "offset": [966, 980]}], "hash": "4183e369fbc7e1dfb5466e8e479c9c1c", "id": 2}, {"samples": [{"hash": "jdwOlCRNIt", "uri": "/contracts/jdwOlCRNIt#debit-cards", "label": "Account Agreement", "score": 30.997882843, "published": true}, {"hash": "8qzKXHYg55E", "uri": "/contracts/8qzKXHYg55E#debit-cards", "label": "Account Agreement", "score": 30.7761554718, "published": true}, {"hash": "4Rug1i7ni3q", "uri": "/contracts/4Rug1i7ni3q#debit-cards", "label": "Account Agreement", "score": 25.4558525085, "published": true}], "snippet": "As a condition of opening certain accounts, you agree that we may automatically issue you a debit or ATM card. However, activating your card is not required to keep your account open. You can use your card as follows: At ATMs to: \u2022 Withdraw cash; \u2022 Transfer money; \u2022 Check your balances; \u2022 Deposit cash or checks; \u2022 Make payments to qualifying cards and loans; \u2022 Obtain a copy of recent account activity. You can use your debit card at participating merchants to: \u2022 Purchase goods and services. Purchases are subtracted from your primary account. If you have arranged with your merchant to make recurring payments, you must notify the merchant if your card number or expiration date has changed or your debit card is closed. We may also provide the merchant or the participating network your new account number and expiration date. \u2022 Withdraw cash while making a purchase using your PIN if the merchant permits the cash-back option. \u2022 Send or receive payments from another person, or receive payments from a business by providing your card number to third-party payment services. At participating financial institutions to: \u2022 Withdraw funds at a teller. Withdrawals are subtracted from your primary account. You will be charged a Non-ATM Cash Fee.", "size": 5, "snippet_links": [{"key": "condition-of", "type": "clause", "offset": [5, 17]}, {"key": "certain-accounts", "type": "clause", "offset": [26, 42]}, {"key": "you-agree", "type": "clause", "offset": [44, 53]}, {"key": "atm-card", "type": "definition", "offset": [101, 109]}, {"key": "activating-your-card", "type": "clause", "offset": [120, 140]}, {"key": "is-not-required-to", "type": "clause", "offset": [141, 159]}, {"key": "your-account", "type": "definition", "offset": [165, 177]}, {"key": "transfer-money", "type": "definition", "offset": [249, 263]}, {"key": "deposit-cash", "type": "clause", "offset": [290, 302]}, {"key": "payments-to", "type": "clause", "offset": [321, 332]}, {"key": "a-copy-of", "type": "clause", "offset": [370, 379]}, {"key": "account-activity", "type": "definition", "offset": [387, 403]}, {"key": "debit-card", "type": "clause", "offset": [422, 432]}, {"key": "participating-merchants", "type": "definition", "offset": [436, 459]}, {"key": "goods-and-services", "type": "definition", "offset": [475, 493]}, {"key": "primary-account", "type": "definition", "offset": [530, 545]}, {"key": "recurring-payments", "type": "clause", "offset": [595, 613]}, {"key": "the-merchant", "type": "definition", "offset": [631, 643]}, {"key": "card-number", "type": "definition", "offset": [652, 663]}, {"key": "expiration-date", "type": "definition", "offset": [667, 682]}, {"key": "provide-the", "type": "clause", "offset": [737, 748]}, {"key": "the-participating", "type": "clause", "offset": [761, 778]}, {"key": "account-number", "type": "clause", "offset": [796, 810]}, {"key": "a-purchase", "type": "definition", "offset": [861, 871]}, {"key": "receive-payments", "type": "clause", "offset": [943, 959]}, {"key": "another-person", "type": "definition", "offset": [965, 979]}, {"key": "payment-services", "type": "definition", "offset": [1062, 1078]}, {"key": "at-participating-financial-institutions", "type": "clause", "offset": [1080, 1119]}, {"key": "a-non", "type": "clause", "offset": [1228, 1233]}, {"key": "cash-fee", "type": "definition", "offset": [1238, 1246]}], "hash": "d9b6002215951a76818c3b94772a97cc", "id": 3}, {"samples": [{"hash": "lfyJl999bhc", "uri": "/contracts/lfyJl999bhc#debit-cards", "label": "Payment Processing Services Agreement", "score": 27.2651290894, "published": true}, {"hash": "laUEPRzsXBw", "uri": "/contracts/laUEPRzsXBw#debit-cards", "label": "Payment Processing Services Agreement", "score": 26.964017868, "published": true}, {"hash": "c497YpJ1Fd8", "uri": "/contracts/c497YpJ1Fd8#debit-cards", "label": "Payment Processing Services Agreement", "score": 26.964017868, "published": true}], "snippet": "an electronic payment card tied to a bank account of a Device User or Customer which is processed either by entry of a PIN (Online Debit Card) or processed like a Credit/Charge card (Offline Debit Card). Device User or Customer \u2013 a customer entering into a transaction for goods or services with an Authorized User who uses a Point of Sales (POS) Terminal to make a payment in connection with such transaction. Electronic Check (or e-Check) \u2013 is a form of digital payment that serves the same function as a physical check. Electronic Draft Capture (EDC) \u2013 A system in which the transaction data is captured at the merchant location for processing and storage. Electronic Value Transfer Administrator (EVTA) \u2013 the New York State Office of General Services. Interchange Fee \u2013 a fee imposed by a Card Association that is passed through to the Authorized User. Interchange Pass Through Pricing (Interchange Plus Pricing) \u2013 A pricing model whereby all interchange fees and assessments will be passed on directly from the Contractor to the Authorized User. Contractor will charge a per transaction fee to be added to the interchange fees and assessments that are passed on directly to the Authorized User. This pricing model is also known as \u201cInterchange Plus\u201d pricing. Member \u2013 The bank or financial institution utilized to process payments, which is a required signatory to the Contract. Merchant \u2013 the Authorized User. Merchant Category Codes (MCCs) \u2013 numbers that classify businesses by what they sell or the service they provide. These four-digit codes are assigned by the payment card organizations (Visa, MasterCard, Discover and American Express as well as any other card network as required by the Authorized User.) Merchant Identification Number (MID) \u2013 a unique Merchant ID Number (MID) that identifies an Authorized User (merchant) to the processor and the banking institution which authorizes transactions, and subsequently deposits the funds. MWBE \u2013 shall refer to a business certified with NYS Empire State Development (\u201cESD\u201d) as a Minority- and/or Women-owned Business Enterprise. National Automated Clearing House Association (NACHA) \u2013 the organization that establishes the standards and rules followed by financial institutions for transferring payments through the ACH Network. NACHA is the overseer of the ACH Network. Net Depositing or Net-Billing \u2013 the depositing of funds by Contractor into an Authorized User\u2019s account in an amount reflecting the total face value of the Authorized User\u2019s transactions less funds owed to Contractor. Next Business Day \u2013 The day following a business day, which is Monday through Friday, excluding New York State or federal holidays. NYS Holidays \u2013 refers to the legal holidays for State employees in the classified service of the executive branch, as more particularly specified on the website of the NYS Department of Civil Service. This includes the following: New Year\u2019s Day; \u2587\u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587 Day; Washington\u2019s Birthday (observed); Memorial Day; Independence Day; Labor Day; Columbus Day; Veteran\u2019s Day; Thanksgiving Day; and Christmas Day. NYS Vendor ID \u2013 is a unique ten-character identifier issued by the NYS Office of the State Comptroller (OSC) when the vendor is registered on the Vendor File System. Payment Gateway Services \u2013 Services that facilitate the transfer of information (e.g., a payment transaction) between a payment portal (e.g., website, mobile phone or interactive voice response service) and the Payment Processor or bank to ensure that the information passes securely (e.g., process, verify, encrypt) between the customer and the Authorized User.", "size": 4, "snippet_links": [{"key": "electronic-payment-card", "type": "definition", "offset": [3, 26]}, {"key": "bank-account", "type": "clause", "offset": [37, 49]}, {"key": "user-or-customer", "type": "definition", "offset": [62, 78]}, {"key": "debit-card", "type": "clause", "offset": [131, 141]}, {"key": "a-credit", "type": "definition", "offset": [161, 169]}, {"key": "charge-card", "type": "definition", "offset": [170, 181]}, {"key": "entering-into-a-transaction", "type": "clause", "offset": [241, 268]}, {"key": "goods-or-services", "type": "definition", "offset": [273, 290]}, {"key": "authorized-user", "type": "clause", "offset": [299, 314]}, {"key": "point-of-sales", "type": "definition", "offset": [326, 340]}, {"key": "in-connection-with", "type": "clause", "offset": [374, 392]}, {"key": "electronic-check", "type": "definition", "offset": [411, 427]}, {"key": "form-of", "type": "clause", "offset": [448, 455]}, {"key": "digital-payment", "type": "definition", "offset": [456, 471]}, {"key": "transaction-data", "type": "clause", "offset": [578, 594]}, {"key": "merchant-location", "type": "definition", "offset": [614, 631]}, {"key": "and-storage", "type": "clause", "offset": [647, 658]}, {"key": "value-transfer", "type": "definition", "offset": [671, 685]}, {"key": "state-office", "type": "definition", "offset": [722, 734]}, {"key": "general-services", "type": "definition", "offset": [738, 754]}, {"key": "card-association", "type": "clause", "offset": [793, 809]}, {"key": "pass-through", "type": "definition", "offset": [869, 881]}, {"key": "pricing-model", "type": "definition", "offset": [921, 934]}, {"key": "fees-and-assessments", "type": "clause", "offset": [959, 979]}, {"key": "contractor-to", "type": "clause", "offset": [1016, 1029]}, {"key": "contractor-will", "type": "clause", "offset": [1051, 1066]}, {"key": "transaction-fee", "type": "definition", "offset": [1080, 1095]}, {"key": "to-be-added", "type": "clause", "offset": [1096, 1107]}, {"key": "bank-or-financial-institution", "type": "definition", "offset": [1277, 1306]}, {"key": "merchant-category-codes", "type": "definition", "offset": [1416, 1439]}, {"key": "the-service", "type": "definition", "offset": [1503, 1514]}, {"key": "the-payment", "type": "clause", "offset": [1568, 1579]}, {"key": "card-organizations", "type": "definition", "offset": [1580, 1598]}, {"key": "american-express", "type": "clause", "offset": [1631, 1647]}, {"key": "card-network", "type": "definition", "offset": [1669, 1681]}, {"key": "as-required-by", "type": "clause", "offset": [1682, 1696]}, {"key": "merchant-identification-number", "type": "definition", "offset": [1719, 1749]}, {"key": "the-processor", "type": "definition", "offset": [1841, 1854]}, {"key": "the-funds", "type": "clause", "offset": [1940, 1949]}, {"key": "refer-to", "type": "definition", "offset": [1964, 1972]}, {"key": "empire-state", "type": "clause", "offset": [2003, 2015]}, {"key": "owned-business-enterprise", "type": "clause", "offset": [2064, 2089]}, {"key": "national-automated-clearing-house-association", "type": "definition", "offset": [2091, 2136]}, {"key": "the-organization", "type": "clause", "offset": [2147, 2163]}, {"key": "the-standards", "type": "clause", "offset": [2181, 2194]}, {"key": "and-rules", "type": "clause", "offset": [2195, 2204]}, {"key": "financial-institutions", "type": "definition", "offset": [2217, 2239]}, {"key": "ach-network", "type": "definition", "offset": [2278, 2289]}, {"key": "by-contractor", "type": "clause", "offset": [2389, 2402]}, {"key": "total-face-value", "type": "definition", "offset": [2465, 2481]}, {"key": "to-contractor", "type": "definition", "offset": [2536, 2549]}, {"key": "next-business-day", "type": "clause", "offset": [2551, 2568]}, {"key": "the-day", "type": "definition", "offset": [2571, 2578]}, {"key": "monday-through-friday", "type": "clause", "offset": [2614, 2635]}, {"key": "federal-holidays", "type": "clause", "offset": [2665, 2681]}, {"key": "nys-holidays", "type": "definition", "offset": [2683, 2695]}, {"key": "legal-holidays", "type": "clause", "offset": [2712, 2726]}, {"key": "employees-in-the", "type": "clause", "offset": [2737, 2753]}, {"key": "executive-branch", "type": "definition", "offset": [2780, 2796]}, {"key": "the-website", "type": "clause", "offset": [2832, 2843]}, {"key": "department-of-civil-service", "type": "definition", "offset": [2855, 2882]}, {"key": "new-year", "type": "definition", "offset": [2913, 2921]}, {"key": "memorial-day", "type": "clause", "offset": [2987, 2999]}, {"key": "independence-day", "type": "definition", "offset": [3001, 3017]}, {"key": "labor-day", "type": "clause", "offset": [3019, 3028]}, {"key": "columbus-day", "type": "definition", "offset": [3030, 3042]}, {"key": "thanksgiving-day", "type": "clause", "offset": [3059, 3075]}, {"key": "christmas-day", "type": "clause", "offset": [3081, 3094]}, {"key": "issued-by", "type": "clause", "offset": [3149, 3158]}, {"key": "office-of-the-state-comptroller", "type": "definition", "offset": [3167, 3198]}, {"key": "the-vendor", "type": "clause", "offset": [3210, 3220]}, {"key": "file-system", "type": "definition", "offset": [3249, 3260]}, {"key": "payment-gateway-services", "type": "clause", "offset": [3262, 3286]}, {"key": "transfer-of-information", "type": "clause", "offset": [3318, 3341]}, {"key": "payment-transaction", "type": "definition", "offset": [3351, 3370]}, {"key": "payment-portal", "type": "clause", "offset": [3382, 3396]}, {"key": "mobile-phone", "type": "clause", "offset": [3413, 3425]}, {"key": "interactive-voice-response-service", "type": "definition", "offset": [3429, 3463]}, {"key": "payment-processor", "type": "definition", "offset": [3473, 3490]}, {"key": "to-ensure", "type": "clause", "offset": [3499, 3508]}, {"key": "the-information", "type": "clause", "offset": [3514, 3529]}, {"key": "customer-and-the", "type": "clause", "offset": [3591, 3607]}], "hash": "d47cd39a6166413f212ea30204f58c5d", "id": 4}, {"samples": [{"hash": "1pCUS7nmuan", "uri": "/contracts/1pCUS7nmuan#debit-cards", "label": "Terms and Conditions Governing Personal Deposit Accounts", "score": 26.3607120514, "published": true}, {"hash": "2Q9k6PFsVBv", "uri": "/contracts/2Q9k6PFsVBv#debit-cards", "label": "Terms and Conditions Governing Personal Deposit Accounts", "score": 26.2744693756, "published": true}], "snippet": "16.1 The Bank may at its discretion, upon receipt of the Accountholder\u2019s application, issue to the Accountholder a debit card (the \u201cDebit Card\u201d which term shall include any replacement or renewal thereof).\n16.2 Pursuant to the Accountholder\u2019s request, the Bank may post the Debit Card and the PIN to the Accountholder who shall be deemed to have received the same in good order and condition upon such posting.\n16.3 The Debit Card is not transferable and is issued solely for the Accountholder\u2019s use. The Accountholder shall use the Debit Card only for effecting, processing or conducting transactions permitted by the Bank during the validity period printed on the Debit Card.\n16.4 The Bank may replace or renew the Debit Card on such terms as the Bank may impose.\n16.5 The Accountholder agrees that when the Debit Card is used to effect, process or conduct any transaction, it is, or shall be deemed to be, used with the Accountholder\u2019s authority and knowledge whether or not the Accountholder has actually authorised and/or has knowledge of the use of the Debit Card and the Bank shall debit against the Accountholder\u2019s Account any such amount transacted or processed through the use of the Debit Card. The Accountholder shall accept the Bank\u2019s records of all transactions effected, processed or conducted through the use of the Debit Card as correct and conclusive, save in the case of manifest error, and the Accountholder agrees to be bound by the Bank\u2019s records. HBSP/ CVM/ WEL/ TB/ TNC101\n16.6 The Accountholder shall bear any loss or damage incurred or suffered by the Accountholder arising from or in connection with the use of the Debit Card.\n16.7 The Bank may set or revise the card limits in relation to the Debit Card from time to time without prior notice to the Accountholder. Whenever the Bank is informed (whether by the merchant or any other person) that any Debit Card transaction or any other transaction is proposed to be effected or completed with the Debit Card, the Bank may hold or set aside out of the available credit balances or available credit on the Account an amount estimated by the Bank or the merchant or that other person to be the amount for which that Debit Card transaction is likely to be effected or completed. The amount set aside with respect to any proposed Debit Card transaction:\n(a) may be set aside for as long as the Bank may determine to be appropriate in the circumstances;\n(b) may be released at any time the Bank determines or after the Bank has debited the Account in respect of the Debit Card transaction;\n(c) may not be the exact amount for which that Debit Card transaction is effected and finally debited to the Account; and\n(d) shall not restrict or limit the Bank\u2019s right to debit the Account with the amount of that Debit Card transaction regardless whether the amount is the same as the amount the Bank has set aside or put on hold.\n16.8 The Accountholder may effect a Debit Card transaction only if there are sufficient funds in the Account to cover such transaction and the limits prescribed for the type of transaction are not exceeded. However, the Bank may, in its discretion and without giving prior notice:\n(a) approve, authorise or allow any Debit Card transaction to be effected during any period even though there are insufficient funds or credit in the Account; and\n(b) refuse to approve, authorise and/or permit to be effected any one or more Debit Card transactions even though no applicable limits have been exceeded. The Bank\u2019s determination on whether the Debit Card limit has been exceeded shall be conclusive and binding on the Accountholder.\n16.9 When the Accountholder uses the Debit Card outside Singapore, the Debit Card transaction shall be charged in the official currency of the country where the Debit Card is used and converted into Singapore Dollars at such exchange rate at such times as the Bank may determine at its discretion, and the Bank shall be entitled to debit the Account with the amount of the Debit Card transaction. The Accountholder\u2019s right to effect any Debit Card transaction is subject to any exchange controls, regulations or limitations prevailing in such country. In any event, the Accountholder shall fully indemnify the Bank for all exchange risks, losses, communications and other fees and charges that may be incurred. The Bank may charge, credit and debit, as may be appropriate, all sums payable to it under this Agreement to the Account and for this purpose convert credits and charges incurred into the currency of the Account at such rate or rates of exchange as the Bank may determine. The Accountholder shall bear all exchange risks, losses, commission, fees and charges that may arise.\n16.10 The Accountholder agrees to pay and authorises the Bank to debit the Account for the following:\n(a) a fee of such amount(s) as the Bank may prescribe which shall not be refundable in any event, for each Debit Card transaction;\n(b) an administrative fee of such amount(s) as the Bank may prescribe for any records, statements, sales draft, credit vouchers or other documents relating to the use of the Debit Card and copies thereof which are made available at the Accountholder\u2019s request;\n(c) where by any arrangement between the Accountholder and any financial institution, any payment is to be made to the Bank for credit to the Account, whether at regular intervals or otherwise, a fee of such amount(s) as the Bank may prescribe from time to time for each occasion when any payment to the Bank is not effected at the time when such payment should have been effected in accordance with such arrangement;\n(d) such fee as the Bank may prescribe for any replacement Debit Card; and\n(e) any fees and charges not specified above which the Bank might impose at its discretion upon giving the Accountholder prior written notice. All goods and services tax imposed on or payable in respect of any payment debited to the Account shall be borne by the Accountholder.", "size": 4, "snippet_links": [{"key": "the-bank-may", "type": "clause", "offset": [5, 17]}, {"key": "upon-receipt-of", "type": "definition", "offset": [37, 52]}, {"key": "issue-to", "type": "clause", "offset": [86, 94]}, {"key": "pursuant-to-the", "type": "definition", "offset": [211, 226]}, {"key": "may-post", "type": "clause", "offset": [261, 269]}, {"key": "the-pin", "type": "clause", "offset": [289, 296]}, {"key": "good-order-and-condition", "type": "clause", "offset": [367, 391]}, {"key": "not-transferable", "type": "clause", "offset": [434, 450]}, {"key": "transactions-permitted", "type": "clause", "offset": [589, 611]}, {"key": "by-the-bank", "type": "clause", "offset": [612, 623]}, {"key": "validity-period", "type": "definition", "offset": [635, 650]}, {"key": "authority-and", "type": "clause", "offset": [939, 952]}, {"key": "knowledge-of", "type": "definition", "offset": [1031, 1043]}, {"key": "use-of-the-debit-card", "type": "clause", "offset": [1048, 1069]}, {"key": "the-bank-shall", "type": "clause", "offset": [1074, 1088]}, {"key": "all-transactions", "type": "clause", "offset": [1259, 1275]}, {"key": "in-the-case", "type": "clause", "offset": [1375, 1386]}, {"key": "manifest-error", "type": "definition", "offset": [1390, 1404]}, {"key": "agrees-to", "type": "clause", "offset": [1428, 1437]}, {"key": "loss-or-damage", "type": "definition", "offset": [1535, 1549]}, {"key": "in-connection-with", "type": "clause", "offset": [1608, 1626]}, {"key": "card-limits", "type": "clause", "offset": [1690, 1701]}, {"key": "in-relation-to", "type": "clause", "offset": [1702, 1716]}, {"key": "from-time-to-time", "type": "clause", "offset": [1732, 1749]}, {"key": "notice-to-the", "type": "clause", "offset": [1764, 1777]}, {"key": "the-merchant", "type": "definition", "offset": [1835, 1847]}, {"key": "any-other-person", "type": "definition", "offset": [1851, 1867]}, {"key": "other-transaction", "type": "clause", "offset": [1908, 1925]}, {"key": "set-aside", "type": "clause", "offset": [2008, 2017]}, {"key": "credit-balances", "type": "definition", "offset": [2039, 2054]}, {"key": "is-likely", "type": "definition", "offset": [2214, 2223]}, {"key": "with-respect-to", "type": "clause", "offset": [2274, 2289]}, {"key": "at-any-time", "type": "clause", "offset": [2446, 2457]}, {"key": "in-respect-of", "type": "clause", "offset": [2520, 2533]}, {"key": "and-finally", "type": "clause", "offset": [2644, 2655]}, {"key": "right-to-debit", "type": "clause", "offset": [2727, 2741]}, {"key": "account-with", "type": "definition", "offset": [2746, 2758]}, {"key": "on-hold", "type": "definition", "offset": [2887, 2894]}, {"key": "funds-in-the-account", "type": "clause", "offset": [2984, 3004]}, {"key": "type-of-transaction", "type": "clause", "offset": [3065, 3084]}, {"key": "in-its-discretion", "type": "clause", "offset": [3126, 3143]}, {"key": "insufficient-funds", "type": "clause", "offset": [3291, 3309]}, {"key": "to-approve", "type": "clause", "offset": [3351, 3361]}, {"key": "debit-card-transactions", "type": "clause", "offset": [3418, 3441]}, {"key": "applicable-limits", "type": "definition", "offset": [3457, 3474]}, {"key": "conclusive-and-binding", "type": "clause", "offset": [3579, 3601]}, {"key": "the-official", "type": "clause", "offset": [3738, 3750]}, {"key": "currency-of", "type": "definition", "offset": [3751, 3762]}, {"key": "the-country", "type": "definition", "offset": [3763, 3774]}, {"key": "singapore-dollars", "type": "definition", "offset": [3823, 3840]}, {"key": "exchange-rate", "type": "clause", "offset": [3849, 3862]}, {"key": "subject-to", "type": "definition", "offset": [4087, 4097]}, {"key": "exchange-controls", "type": "clause", "offset": [4102, 4119]}, {"key": "other-fees-and-charges", "type": "clause", "offset": [4290, 4312]}, {"key": "payable-to", "type": "definition", "offset": [4406, 4416]}, {"key": "agreement-to", "type": "definition", "offset": [4431, 4443]}, {"key": "credits-and-charges", "type": "clause", "offset": [4485, 4504]}, {"key": "rates-of-exchange", "type": "clause", "offset": [4563, 4580]}, {"key": "to-pay", "type": "clause", "offset": [4741, 4747]}, {"key": "account-for-the", "type": "clause", "offset": [4785, 4800]}, {"key": "administrative-fee", "type": "definition", "offset": [4950, 4968]}, {"key": "sales-draft", "type": "definition", "offset": [5042, 5053]}, {"key": "credit-vouchers", "type": "clause", "offset": [5055, 5070]}, {"key": "other-documents", "type": "clause", "offset": [5074, 5089]}, {"key": "relating-to", "type": "definition", "offset": [5090, 5101]}, {"key": "available-at", "type": "definition", "offset": [5162, 5174]}, {"key": "financial-institution", "type": "definition", "offset": [5267, 5288]}, {"key": "regular-intervals", "type": "definition", "offset": [5366, 5383]}, {"key": "payment-to-the-bank", "type": "clause", "offset": [5493, 5512]}, {"key": "at-the-time", "type": "clause", "offset": [5529, 5540]}, {"key": "in-accordance-with", "type": "definition", "offset": [5585, 5603]}, {"key": "not-specified", "type": "definition", "offset": [5722, 5735]}, {"key": "prior-written-notice", "type": "definition", "offset": [5818, 5838]}, {"key": "tax-imposed", "type": "clause", "offset": [5863, 5874]}], "hash": "45821c37d9c1a14084b3380280b7f7ae", "id": 5}, {"samples": [{"hash": "hFVYZwVHVr4", "uri": "/contracts/hFVYZwVHVr4#debit-cards", "label": "Electronic Funds Transfer Agreement", "score": 33.1576652527, "published": true}, {"hash": "7rIGc7fXYkP", "uri": "/contracts/7rIGc7fXYkP#debit-cards", "label": "Electronic Funds Transfer Disclosure", "score": 25.094455719, "published": true}], "snippet": "The maximum combined amount you or any joint owner may purchase through a Point-of-Sale (\u201cPOS\u201d) PIN-based transaction is up to $5,000 each day. For Debit Cards linked to a Pathway Checking Account, the POS transaction limit is $3,500 per day. The maximum combined amount you or any joint owner may purchase through a signature-based transaction is up to $10,000 each day. For Debit Cards linked to a Pathway Checking Account, the signature-based transaction limit is $3,500 per day. This daily maximum includes a combination of Debit Card signature-based transactions from all your accounts per day.", "size": 4, "snippet_links": [{"key": "combined-amount", "type": "definition", "offset": [12, 27]}, {"key": "joint-owner", "type": "clause", "offset": [39, 50]}, {"key": "checking-account", "type": "definition", "offset": [180, 196]}, {"key": "transaction-limit", "type": "definition", "offset": [206, 223]}, {"key": "per-day", "type": "clause", "offset": [234, 241]}, {"key": "daily-maximum", "type": "definition", "offset": [488, 501]}, {"key": "your-accounts", "type": "clause", "offset": [577, 590]}], "hash": "129768cae856142a38645166b0c76b4f", "id": 6}, {"samples": [{"hash": "iT35Lx5TNd5", "uri": "/contracts/iT35Lx5TNd5#debit-cards", "label": "General Terms and Conditions", "score": 24.6837902069, "published": true}, {"hash": "lPrFOgFlrJS", "uri": "/contracts/lPrFOgFlrJS#debit-cards", "label": "General Terms and Conditions", "score": 22.6499271393, "published": true}], "snippet": "9.1 Loss or misuse of your Debit Card: If the card is lost, stolen or misused, or you suspect that someone knows the PIN, you must telephone us immediately on \u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587/884 (if calling from overseas, please dial +\u2587\u2587 \u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587\u2587\u2587) and then send written confirmation as soon as possible to ICBC (London) plc, Customer Services, \u2587\u2587 \u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587\u2587 \u2587\u2587\u2587\u2587\u2587\u2587, London EC4N 7BG, England.\n9.2 You may apply for a debit card on certain accounts for personal use only (and not for any business or commercial use), if you are aged eighteen (18) years or over and resident in the UK. Your application will be assessed and if you are issued with a debit card, you must: \u2022 sign the card in permanent black ink when you receive it. \u2022 keep the card secure at all times and do not allow any other persons to use it \u2022 never record the PIN in any way which could be understood by someone else. \u2022 never disclose your PIN to anyone, including Bank staff. \u2022 do not keep your cheque books and cards together.\n9.3 You must not use the card before or after the period it is valid for or after you have received notice that we have cancelled or withdrawn the card.\n9.4 You must only use the card when there are sufficient cleared funds in your account to cover the payment,\n9.5 If we ask, you must return the card to us immediately (cut in half through the signature box and magnetic stripe, and if you have a chip card ensure the chip is cut in half). We, or anyone acting for us, may keep the card at any time. For example, we may withdraw a card and instruct any third party to keep hold of it if you try to use it.\n9.6 If the account is joint, both parties are entitled to apply for a debit card.\n9.7 The card may be used along with the PIN to obtain cash at any time, up to the daily limit for the card, from any cash-dispensing machine which will accept the card.\n9.8 We will advise you of the daily cash withdrawal limit for the card carried out at cash dispensing machines, details of which will be advised to you from time to time and we may adjust it from time to time.\n9.9 For interest calculation purposes, withdrawals of cash carried out using the card, will be deducted from your account as soon as we receive them, which is normally on the same day the card transaction is carried out or on the next Business Day.\n9.10 For card withdrawals abroad, there are additional fees.", "size": 3, "snippet_links": [{"key": "debit-card", "type": "clause", "offset": [27, 37]}, {"key": "the-pin", "type": "clause", "offset": [113, 120]}, {"key": "written-confirmation", "type": "definition", "offset": [246, 266]}, {"key": "as-soon-as-possible", "type": "definition", "offset": [267, 286]}, {"key": "customer-services", "type": "definition", "offset": [309, 326]}, {"key": "personal-use-only", "type": "clause", "offset": [437, 454]}, {"key": "business-or-commercial-use", "type": "clause", "offset": [472, 498]}, {"key": "resident-in", "type": "clause", "offset": [549, 560]}, {"key": "your-application", "type": "clause", "offset": [569, 585]}, {"key": "at-all-times", "type": "clause", "offset": [737, 749]}, {"key": "other-persons", "type": "definition", "offset": [771, 784]}, {"key": "cheque-books", "type": "clause", "offset": [950, 962]}, {"key": "the-period", "type": "clause", "offset": [1029, 1039]}, {"key": "funds-in", "type": "definition", "offset": [1201, 1209]}, {"key": "your-account", "type": "definition", "offset": [1210, 1222]}, {"key": "the-payment", "type": "clause", "offset": [1232, 1243]}, {"key": "magnetic-stripe", "type": "definition", "offset": [1346, 1361]}, {"key": "chip-card", "type": "definition", "offset": [1381, 1390]}, {"key": "at-any-time", "type": "clause", "offset": [1471, 1482]}, {"key": "for-example", "type": "clause", "offset": [1484, 1495]}, {"key": "third-party", "type": "clause", "offset": [1537, 1548]}, {"key": "the-account", "type": "clause", "offset": [1597, 1608]}, {"key": "parties-are", "type": "clause", "offset": [1624, 1635]}, {"key": "to-apply", "type": "clause", "offset": [1645, 1653]}, {"key": "daily-limit", "type": "definition", "offset": [1754, 1765]}, {"key": "cash-withdrawal-limit", "type": "definition", "offset": [1877, 1898]}, {"key": "details-of", "type": "clause", "offset": [1953, 1963]}, {"key": "be-advised", "type": "definition", "offset": [1975, 1985]}, {"key": "from-time-to-time", "type": "clause", "offset": [1993, 2010]}, {"key": "interest-calculation", "type": "definition", "offset": [2059, 2079]}, {"key": "withdrawals-of", "type": "definition", "offset": [2090, 2104]}, {"key": "using-the-card", "type": "definition", "offset": [2122, 2136]}, {"key": "same-day", "type": "definition", "offset": [2226, 2234]}, {"key": "card-transaction", "type": "definition", "offset": [2239, 2255]}, {"key": "next-business-day", "type": "clause", "offset": [2281, 2298]}, {"key": "card-withdrawals", "type": "clause", "offset": [2309, 2325]}, {"key": "additional-fees", "type": "definition", "offset": [2344, 2359]}], "hash": "757104c414efc12c0be972a44ed71e80", "id": 7}, {"samples": [{"hash": "lbNmr1zIyEF", "uri": "/contracts/lbNmr1zIyEF#debit-cards", "label": "Banking Agreement", "score": 27.9555091858, "published": true}, {"hash": "4AkdL0VYFp0", "uri": "/contracts/4AkdL0VYFp0#debit-cards", "label": "Cit Bank Agreement for Personal Accounts", "score": 27.9158115387, "published": true}], "snippet": "You can perform the following transactions with your Debit Card (\u201cCard\u201d), depending on the accounts and services associated with your Card: \u2022 Withdraw cash from your checking, savings or money market account; \u2022 Transfer funds between your checking, savings and money marketaccounts; \u2022 Pay for purchases at places that have agreed to accept our Card; and \u2022 Obtain account balance information. Balance information may not reflect recent transactions, and may include funds that are not available for immediate withdrawal. Some of these services may not be available at all terminals, and all payments are subject to later verification by us. Your Card can be used at terminals that are part of the networks in which we participate. The reverse side of your Card contains the logos of the networks in which we participate. You also can call us at \u2587\u2587\u2587-\u2587\u2587\u2587-\u2587\u2587\u2587\u2587 for a current list of the networks in which we participate. You can activate your Card by using your personal identification number (\u201cPIN\u201d) at any ATM or call the number shown on the card carrier. If you decide you do not want to use your Card, destroy it at once by cutting it in half and notify us in writing at P.O. Box 471, Santa Monica, CA \u2587\u2587\u2587\u2587\u2587-\u2587\u2587\u2587\u2587 or call us at \u2587\u2587\u2587-\u2587\u2587\u2587-\u2587\u2587\u2587\u2587. Your Card cannot be used to transfer money into or out of your account without a PIN at ATMs and most point of sale (POS) terminals. You may be asked to sign a sales slip or provide identification, rather than enter your PIN, for certain Debit Card transactions. At some merchants, such as gas stations, you may not be required to sign your name or enter your PIN for a Debit Card purchase; however, you may be required to enter your ZIP code or another identifier. Transaction Holds: When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your account for the amount indicated by the merchant. Until the transaction finally settles or we determine that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. We will only charge your account for the correct amount of the final transaction, however, and we will release any excess amount when the transaction finally settles. ATM Safety: You agree to exercise discretion when using ATMs. To help ensure your safety when using an ATM, please keep in mind the following: \u2022 Be careful when using the ATM and be aware of the surroundings, especially at night or in isolated areas. \u2022 Park near the ATM in a well-lighted area; do not approach a dark ATM. \u2022 At night, have someone accompany you when possible. \u2022 If there are any suspicious circumstances or activity occurring at or near the ATM, do not use the ATM. \u2022 If you notice anything suspicious while transacting business at the ATM, cancel the transaction, secure your Card and leave. \u2022 Do not accept assistance from anyone while using the ATM. \u2022 Do not display your cash; secure it and count it later in a securelocation. \u2022 Be sure to save your transaction slips; check them against your statements promptly. \u2022 Make sure you safeguard your PIN \u2014 do not write it on your Card or carry it in your wallet orpurse. \u2022 Always secure your Card just like you would your cash, checks and credit cards. \u2022 Report all crimes to the ATM operator and local law enforcement officials immediately. We do not guarantee your safety while using an ATM. Card and PIN Security: You agree not to disclose or otherwise make your Card or PIN available to others. You agree not to write your PIN on your Card or keep it in the same location as your Card. You agree to return your Cards to us upon our request. Refunds on Purchases: Cash refunds will not be made to you for purchases made with your Debit Card. If a merchant gives you a refund for a merchandise purchase or other adjustments, it may do so by processing a credit adjustment, which we will apply as a credit to your account.", "size": 3, "snippet_links": [{"key": "transactions-with", "type": "clause", "offset": [30, 47]}, {"key": "the-accounts-and-services", "type": "clause", "offset": [87, 112]}, {"key": "associated-with", "type": "definition", "offset": [113, 128]}, {"key": "money-market-account", "type": "definition", "offset": [187, 207]}, {"key": "transfer-funds", "type": "definition", "offset": [211, 225]}, {"key": "pay-for", "type": "definition", "offset": [285, 292]}, {"key": "agreed-to", "type": "definition", "offset": [323, 332]}, {"key": "balance-information", "type": "definition", "offset": [371, 390]}, {"key": "recent-transactions", "type": "clause", "offset": [428, 447]}, {"key": "not-available", "type": "definition", "offset": [480, 493]}, {"key": "available-at", "type": "definition", "offset": [554, 566]}, {"key": "all-payments", "type": "clause", "offset": [586, 598]}, {"key": "at-terminals", "type": "clause", "offset": [662, 674]}, {"key": "activate-your-card", "type": "clause", "offset": [925, 943]}, {"key": "personal-identification-number", "type": "definition", "offset": [958, 988]}, {"key": "card-carrier", "type": "definition", "offset": [1040, 1052]}, {"key": "notify-us", "type": "clause", "offset": [1147, 1156]}, {"key": "in-writing", "type": "definition", "offset": [1157, 1167]}, {"key": "transfer-money", "type": "definition", "offset": [1269, 1283]}, {"key": "point-of-sale", "type": "definition", "offset": [1343, 1356]}, {"key": "sales-slip", "type": "definition", "offset": [1401, 1411]}, {"key": "debit-card-transactions", "type": "clause", "offset": [1479, 1502]}, {"key": "card-purchase", "type": "definition", "offset": [1617, 1630]}, {"key": "to-enter", "type": "definition", "offset": [1661, 1669]}, {"key": "zip-code", "type": "definition", "offset": [1675, 1683]}, {"key": "to-pay", "type": "clause", "offset": [1749, 1755]}, {"key": "goods-or-services", "type": "definition", "offset": [1760, 1777]}, {"key": "the-transaction", "type": "clause", "offset": [1821, 1836]}, {"key": "in-advance", "type": "clause", "offset": [1837, 1847]}, {"key": "final-value", "type": "definition", "offset": [1869, 1880]}, {"key": "funds-available", "type": "definition", "offset": [1949, 1964]}, {"key": "account-for-the", "type": "clause", "offset": [2041, 2056]}, {"key": "the-merchant", "type": "definition", "offset": [2077, 2089]}, {"key": "to-be-processed", "type": "clause", "offset": [2165, 2180]}, {"key": "the-funds", "type": "clause", "offset": [2182, 2191]}, {"key": "subject-to-the", "type": "definition", "offset": [2192, 2206]}, {"key": "available-to", "type": "definition", "offset": [2224, 2236]}, {"key": "for-other-purposes", "type": "clause", "offset": [2241, 2259]}, {"key": "the-final", "type": "clause", "offset": [2320, 2329]}, {"key": "excess-amount", "type": "definition", "offset": [2376, 2389]}, {"key": "atm-safety", "type": "clause", "offset": [2428, 2438]}, {"key": "to-exercise", "type": "clause", "offset": [2450, 2461]}, {"key": "your-safety", "type": "clause", "offset": [2505, 2516]}, {"key": "please-keep-in-mind", "type": "clause", "offset": [2536, 2555]}, {"key": "be-careful", "type": "clause", "offset": [2573, 2583]}, {"key": "transacting-business", "type": "definition", "offset": [2953, 2973]}, {"key": "transaction-slips", "type": "clause", "offset": [3199, 3216]}, {"key": "your-statements", "type": "clause", "offset": [3237, 3252]}, {"key": "credit-cards", "type": "definition", "offset": [3433, 3445]}, {"key": "atm-operator", "type": "definition", "offset": [3474, 3486]}, {"key": "law-enforcement-officials", "type": "definition", "offset": [3497, 3522]}, {"key": "card-and-pin-security", "type": "clause", "offset": [3588, 3609]}, {"key": "to-disclose", "type": "definition", "offset": [3625, 3636]}, {"key": "same-location", "type": "definition", "offset": [3756, 3769]}, {"key": "refunds-on-purchases", "type": "clause", "offset": [3839, 3859]}, {"key": "other-adjustments", "type": "definition", "offset": [4002, 4019]}, {"key": "credit-adjustment", "type": "definition", "offset": [4050, 4067]}, {"key": "credit-to-your-account", "type": "clause", "offset": [4094, 4116]}], "hash": "1282544bc839f9e3770ae9bacef4ec4f", "id": 8}, {"samples": [{"hash": "iAkfRWr4EmT", "uri": "/contracts/iAkfRWr4EmT#debit-cards", "label": "Atm Card or Visa Debit Card Agreement", "score": 26.6605072021, "published": true}, {"hash": "9ap68AxY6CR", "uri": "/contracts/9ap68AxY6CR#debit-cards", "label": "Atm Card Agreement", "score": 26.5947971344, "published": true}], "snippet": "You may perform the functions listed under \u201cATM CARDS.\u201d In addition, you may access your checking account(s) to purchase goods, pay for services and obtain cash advances from participating merchants and financial institutions. Debit cards have been enabled to accept non-Visa debit transaction processing that does not require PIN authentication in certain cases. Examples of non-PIN authenticated transactions may include recurring bill payment transactions from utility or cable companies. As a cardholder you should know that such transactions will be excluded from Visa related benefits such as zero liability fraud protection and potentially could be excluded from Visa sponsored point reward programs. Debit cards may be issued on business accounts to respective authorized signers as well as campus cards to attending students and faculty. Accounts Using Cards And/Or PINs. You cannot use the card and/ Business Day Disclosure. Our business days are Monday through Friday. Saturdays, Sundays and federal holidays are excluded. Terminal Transfers. You can obtain a receipt at the time you make", "size": 3, "snippet_links": [{"key": "the-functions", "type": "definition", "offset": [16, 29]}, {"key": "atm-cards", "type": "clause", "offset": [44, 53]}, {"key": "in-addition", "type": "clause", "offset": [56, 67]}, {"key": "services-and", "type": "clause", "offset": [136, 148]}, {"key": "obtain-cash-advances", "type": "clause", "offset": [149, 169]}, {"key": "participating-merchants", "type": "definition", "offset": [175, 198]}, {"key": "financial-institutions", "type": "definition", "offset": [203, 225]}, {"key": "transaction-processing", "type": "definition", "offset": [282, 304]}, {"key": "in-certain-cases", "type": "definition", "offset": [346, 362]}, {"key": "examples-of-non", "type": "clause", "offset": [364, 379]}, {"key": "payment-transactions", "type": "definition", "offset": [438, 458]}, {"key": "cable-companies", "type": "definition", "offset": [475, 490]}, {"key": "should-know", "type": "definition", "offset": [512, 523]}, {"key": "related-benefits", "type": "clause", "offset": [574, 590]}, {"key": "zero-liability", "type": "clause", "offset": [599, 613]}, {"key": "fraud-protection", "type": "clause", "offset": [614, 630]}, {"key": "reward-programs", "type": "clause", "offset": [691, 706]}, {"key": "issued-on", "type": "clause", "offset": [727, 736]}, {"key": "business-accounts", "type": "definition", "offset": [737, 754]}, {"key": "authorized-signers", "type": "definition", "offset": [769, 787]}, {"key": "using-cards", "type": "clause", "offset": [856, 867]}, {"key": "the-card", "type": "clause", "offset": [896, 904]}, {"key": "business-day-disclosure", "type": "clause", "offset": [910, 933]}, {"key": "our-business-days", "type": "clause", "offset": [935, 952]}, {"key": "monday-through-friday", "type": "clause", "offset": [957, 978]}, {"key": "holidays-are", "type": "definition", "offset": [1011, 1023]}, {"key": "terminal-transfers", "type": "clause", "offset": [1034, 1052]}, {"key": "at-the-time", "type": "clause", "offset": [1079, 1090]}], "hash": "adb589f8baad9b89fefd5072ee4be404", "id": 9}, {"samples": [{"hash": "802Fr48ZSEl", "uri": "/contracts/802Fr48ZSEl#debit-cards", "label": "Brokerage Agreement", "score": 30.6844673157, "published": true}, {"hash": "dviKoxjbK6M", "uri": "/contracts/dviKoxjbK6M#debit-cards", "label": "Brokerage Agreement", "score": 23.9733066559, "published": true}], "snippet": "Company allows customers to fund their Investing Account using their personal debit card, pursuant to the instructions provided in Appendix II, subject to restrictions. I understand that the use of My debit card to fund My Investing Account is subject to the limits set by Company, which are subject to change at Company's discretion without notice to Me. I understand that I will be approved to link My debit card to My Investing Account solely at Company's discretion, that the requirements for linking a debit card to My Investing Account can be changed at any time by Company, and that Company is not required to provide an explanation if I am unable to link My debit card to My Investing Account. I further understand that if Company believes I am engaging in fraudulent behavior with respect to any debit card transactions or otherwise, Company may restrict My Investing Account and any future Investing Accounts opened by Me. I further understand that if funds transferred via debit card are subsequently reversed, that may result in Company treating that as a failure to provide sufficient funds and act in accordance with the terms herein. I further understand that if funds transferred via debit card are subsequently withdrawn to a bank account, Company may require proof of ownership of the bank account to process the withdrawal. I further understand and agree that any payment using a debit card will be processed by a third-party processor and/or bank, and that if any transfer of funds to or from my debit card account is incorrectly or improperly processed, Company is in no way responsible for those funds, and I can only look to the third party or parties for any resulting remedy.", "size": 3, "snippet_links": [{"key": "to-fund", "type": "definition", "offset": [25, 32]}, {"key": "pursuant-to-the", "type": "definition", "offset": [90, 105]}, {"key": "appendix-ii", "type": "clause", "offset": [131, 142]}, {"key": "subject-to-restrictions", "type": "clause", "offset": [144, 167]}, {"key": "i-understand", "type": "definition", "offset": [169, 181]}, {"key": "subject-to-the", "type": "definition", "offset": [244, 258]}, {"key": "by-company", "type": "clause", "offset": [270, 280]}, {"key": "subject-to-change", "type": "clause", "offset": [292, 309]}, {"key": "without-notice-to", "type": "clause", "offset": [334, 351]}, {"key": "requirements-for", "type": "clause", "offset": [480, 496]}, {"key": "at-any-time", "type": "clause", "offset": [557, 568]}, {"key": "is-not-required-to", "type": "clause", "offset": [598, 616]}, {"key": "engaging-in", "type": "definition", "offset": [753, 764]}, {"key": "fraudulent-behavior", "type": "clause", "offset": [765, 784]}, {"key": "with-respect-to", "type": "clause", "offset": [785, 800]}, {"key": "debit-card-transactions", "type": "clause", "offset": [805, 828]}, {"key": "failure-to-provide", "type": "clause", "offset": [1068, 1086]}, {"key": "sufficient-funds", "type": "clause", "offset": [1087, 1103]}, {"key": "in-accordance-with", "type": "definition", "offset": [1112, 1130]}, {"key": "the-terms", "type": "definition", "offset": [1131, 1140]}, {"key": "a-bank", "type": "clause", "offset": [1241, 1247]}, {"key": "the-bank-account", "type": "clause", "offset": [1299, 1315]}, {"key": "understand-and-agree-that", "type": "clause", "offset": [1353, 1378]}, {"key": "transfer-of-funds", "type": "clause", "offset": [1484, 1501]}, {"key": "debit-card-account", "type": "definition", "offset": [1516, 1534]}, {"key": "responsible-for", "type": "clause", "offset": [1596, 1611]}, {"key": "party-or-parties", "type": "definition", "offset": [1658, 1674]}], "hash": "5071452c3ce8af91b3d99ee1bf3387b1", "id": 10}], "next_curs": "ClQSTmoVc35sYXdpbnNpZGVyY29udHJhY3RzcjALEhZDbGF1c2VTbmlwcGV0R3JvdXBfdjU2IhRkZWJpdC1jYXJkcyMwMDAwMDAwYQyiAQJlbhgAIAA=", "clause": {"size": 115, "children": [["", ""], ["network-availability-and-third-party-fees", "Network Availability and Third-Party Fees"], ["card-issuance", "Card Issuance"], ["foreign-currency-conversions", "Foreign Currency Conversions"], ["withdraw-cash-while-making-a-purchase-if-available", "Withdraw Cash While Making a Purchase (If Available"]], "title": "Debit Cards", "parents": [["cash-management-services", "Cash Management Services"], ["using-your-account", "Using Your Account"], ["electronic-funds-transfer-service-terms-payments-deposits-and-transfers-you-make-or-receive-by-electronic-methods", "Electronic Funds Transfer Service Terms; Payments, Deposits and Transfers You Make or Receive by Electronic Methods"], ["types-of-eft-services", "Types of Eft Services"], ["limits-on-services", "LIMITS ON SERVICES"]], "id": "debit-cards", "related": [["debit-card", "Debit Card", "Debit Card"], ["visa-debit-card", "Visa Debit Card", "Visa Debit Card"], ["credit-cards", "Credit Cards", "Credit Cards"], ["credit-card", "Credit Card", "Credit Card"], ["customer-accounts", "Customer Accounts", "Customer Accounts"]], "related_snippets": [], "updated": "2025-07-23T06:00:56+00:00"}, "json": true, "cursor": ""}}