Common use of Electronic debits Clause in Contracts

Electronic debits. If you authorize a merchant to electronically debit your share draft/ checking account, the transaction is an electronic funds transfer that is subject to this Electronic Funds Transfer Disclosure and Agreement. You may authorize a merchant to electronically debit your account for returned check fees. A fee will be imposed on all foreign transactions made using your debit card, including purchases, cash withdrawals, cash advances and credits to your account. Fees are disclosed on our current Fee Schedule. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the U.S., Puerto Rico or the U.S. Virgin Islands even if you initiated the transaction in the United States, Puerto Rico or the U.S. Virgin Islands. Visa® Debit Card PINless You may use your Visa Debit card to initiate both Visa debit transactions and non-Visa debit transactions without using a Personal Identification Number (PIN) to authenticate the transactions. 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. To initiate a non-Visa debit transaction, you may enter a PIN at a POS terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-Visa transaction. We have enabled non-Visa debit transaction processing on the ACCEL, Cirrus, COOP, NYCE ,VISA PIN, Visa Check, Allpoint and AFFN networks. The rights and protections applicable only to Visa debit transactions, including additional consumer liability limits and streamlined error resolution procedures, as described in your Electronic Fund Transfers Agreement and Disclosure will not apply to transactions processed through non-Visa networks. Consumer Funds Availability This Disclosure describes when and how much of your deposits will be available to withdraw.

Electronic debits. If you authorize a merchant to electronically debit your share draft/ checking account, the transaction is an electronic funds transfer that is subject to this Electronic Funds Transfer Disclosure and Agreement. You may authorize a merchant to electronically debit your account for returned check fees. A fee of up to 1% will be imposed on all foreign transactions made using your debit card, including purchases, cash withdrawals, cash advances and credits to your account. Fees are disclosed on our current Fee Schedule. A foreign transaction is any transaction that you complete or a merchant completes on your card outside of the U.S., Puerto Rico or the U.S. Virgin Islands even if you initiated the transaction in the United States, Puerto Rico or the U.S. Virgin Islands. Visa® Debit Card PINless You may use your Visa Debit card to initiate both Visa debit transactions and non-Visa debit transactions without using a Personal Identification Number (PIN) to authenticate the transactions. 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. If you have a Visa Debit Card with contactless payment capabilities, you can tap your card to pay anywhere you find a Contactless Symbol on a store’s checkout terminal. To initiate a non-Visa debit transaction, you may enter a PIN at a POS terminal or, for certain bill payment transactions, provide the account number for an e-commerce or mail/telephone order transaction after clearly indicating a preference to route it as a non-Visa transaction. We have enabled non-Visa debit transaction processing on the ACCELNYCE, Cirrus, COOP, NYCE ,VISA PIN, Visa Check, Allpoint Co- Op and AFFN networks. The rights and protections applicable only to Visa debit transactions, including additional consumer liability limits and streamlined error resolution procedures, as described in your Electronic Fund Transfers Agreement and Disclosure will not apply to transactions processed through non-Visa networks. Consumer Funds Availability This Disclosure describes when and how much of your deposits will be available ability to withdrawwithdraw funds from any account at Service CU.