Common use of Limitations on Frequency and Dollar Amounts of Transactions Clause in Contracts

Limitations on Frequency and Dollar Amounts of Transactions. You may make cash advances and purchases only to the extent that you have available funds in your Checking Account plus availablefundsinyourdesignated overdraftsources.Purchase transactions with a Debitcardarelimited to$2,500 eachcalendarday.The dailylimitwith an ATM or Debitcard on cash withdrawals has increased to $1,000. Some ATMs or retailers may place a restriction on their cash limits. Purchase transactions with a Debit Gold card are limited to $3,500 each calendar day. For security reasons, there is a limit of twenty (20) signature transactions each calendar day. Returns and Adjustments (Debit cards). Merchants and others who honor our brand Debit card may give credit for returns or adjustments, and they will do so by sending us a credit that we will post to your Checking Account. Foreign Transactions (Debit cards). Purchases, cash withdrawals, cash advances, and credits made in foreign currencies will be billed to your Account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Card operating regulations for international transactions. The exchange rate between the transaction currency and the billing currency used for processing foreign transactions is a rate selected by our Card brand from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate the Card branch itself receives or the government mandated rate in effect for the applicable central processing date. The conversion rate may be different from the rate on the day of the transaction or date of the posting of the Account.When a credit to the Accountdoesnot fully offset a charge to the Account due to changes in the rate,you are responsible forthe difference. Additionally, you will incur an International Service Assessment (ISA) fee of 2% per transaction when you use your ATM or Debit card to make foreign transactions, including purchase, cashwithdrawals,cashadvancesandcreditstoyouraccount. A foreigntransactionisanytransactionthatyoucomplete or amerchantcompletes on yourcardina currencyotherthanU.S. dollars, or in a country other than the United States, whether or not a currency conversion occurs. The 2.0% currency conversion fee for foreign transactions without a currency conversion does not apply to transactions originating on US military bases, and US embassies and consulates.

Limitations on Frequency and Dollar Amounts of Transactions. You may make cash advances and purchases only to the extent that you have available funds in your Checking Account checking account plus availablefundsinyourdesignated overdraftsources.available funds in your designated overdraft sources. Purchase transactions with a Debitcardarelimited to$2,500 eachcalendarday.debit card are limited to $7,500 each calendar day. The dailylimitwith daily limit with an ATM or Debitcard Debit card on cash withdrawals has increased to is $1,000. Some ATMs or retailers may place a restriction on their cash limits. Purchase transactions Certain merchants may require a signature or PIN with a Debit Gold card are limited to $3,500 each calendar dayContactless Card based transactions. For security reasons, there is a limit of twenty (20) signature transactions each calendar day. Returns and Adjustments (Debit cards). Merchants and others who honor our brand Debit card may give credit for returns or adjustments, and they will do so by sending us a credit that we will post to your Checking Accountchecking account. Foreign Transactions (Debit cards). cards)- Purchases, cash withdrawals, cash advances, and credits made in foreign currencies will be billed to your Account account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Card operating regulations for international transactions. The exchange rate between the transaction currency and the billing currency used for processing foreign transactions is a rate selected by our Card brand from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate the Card branch itself receives or the government mandated rate in effect for the applicable central processing date. The conversion rate may be different from the rate on the day of the transaction or date of the posting of the Account.account. When a credit to the Accountdoesnot account does not fully offset a charge to the Account account due to changes in the rate,, you are responsible forthe for the difference. Additionally, you will incur an International Service Assessment (ISA) fee of 2% per transaction when you use your ATM or Debit card to make foreign transactions, including purchase, cashwithdrawals,cashadvancesandcreditstoyouraccountcash withdrawals, cash advances and credits to your account. A foreigntransactionisanytransactionthatyoucomplete foreign transaction is any transaction that you complete, or amerchantcompletes a merchant completes on yourcardina currencyotherthanU.S. your card in a currency other than U.S. dollars, or in a country other than the United States, whether or not a currency conversion occurs. The 2.0% currency conversion fee for foreign transactions without a currency conversion does not apply to transactions originating on US U.S. military bases, and US U.S. embassies and consulates. SPECIFIC ACCOUNT DETAILS Totally Free Business Checking Account Opening requirements: The minimum balance required to open this account is $50.00. Minimum balance requirements: There is no minimum balance required. Dividend earnings: Totally Free Business Checking account does not earn dividends. Transaction limitations: You are allowed 1,000 free items (debits and credits) each month. Thereafter a per item fee will apply. You may deposit up to $10,000 in currency per month; thereafter, a fee per $1,000 will apply. Fees and charges: Refer to the Schedule of Fees & Services for fee amounts.

Limitations on Frequency and Dollar Amounts of Transactions. You may make cash advances and purchases only to the extent that you have available funds in your Checking Account checking account plus availablefundsinyourdesignated overdraftsources.available funds in your designated overdraft sources. Purchase transactions with a Debitcardarelimited to$2,500 eachcalendarday.debit card are limited to $5,000 each calendar day. The dailylimitwith daily limit with an ATM or Debitcard Debit card on cash withdrawals has increased to is $1,000. Some ATMs or retailers may place a restriction on their cash limits. Purchase transactions with a Debit Gold card are limited to $3,500 7,500 each calendar dayday and $1,500 cash transactions. For security reasons, there is a limit of twenty (20) signature transactions each calendar day. Returns and Adjustments (Debit cards). Merchants and others who honor our brand Debit card may give credit for returns or adjustments, and they will do so by sending us a credit that we will post to your Checking Accountchecking account. Foreign Transactions (Debit cards). Purchases, cash withdrawals, cash advances, and credits made in foreign currencies will be billed to your Account account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Card operating regulations for international transactions. The exchange rate between the transaction currency and the billing currency used for processing foreign transactions is a rate selected by our Card brand from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate the Card branch itself receives or the government mandated rate in effect for the applicable central processing date. The conversion rate may be different from the rate on the day of the transaction or date of the posting of the Account.account. When a credit to the Accountdoesnot account does not fully offset a charge to the Account account due to changes in the rate,, you are responsible forthe for the difference. Additionally, you will incur an International Service Assessment (ISA) fee of 2% per transaction when you use your ATM or Debit card to make foreign transactions, including purchase, cashwithdrawals,cashadvancesandcreditstoyouraccountcash withdrawals, cash advances and credits to your account. A foreigntransactionisanytransactionthatyoucomplete foreign transaction is any transaction that you complete, or amerchantcompletes a merchant completes on yourcardina currencyotherthanU.S. your card in a currency other than U.S. dollars, or in a country other than the United States, whether or not a currency conversion occurs. The 2.0% currency conversion fee for foreign transactions without a currency conversion does not apply to transactions originating on US U.S. military bases, and US U.S. embassies and consulates.

Limitations on Frequency and Dollar Amounts of Transactions. You I may make cash advances and purchases only to the extent that you I have available funds in your my designated Checking Account plus availablefundsinyourdesignated overdraftsources.Purchase transactions with a Debitcardarelimited to$2,500 eachcalendarday.The dailylimitwith an ATM or Debitcard on cash withdrawals has increased to $1,000. Some ATMs or retailers may place a restriction on their cash limitsavailable funds in my designated overdraft sources. Purchase transactions with a Visa Debit Gold card Card are limited to $3,500 2,500.00 each calendar day24-hours. For security reasons, there is a limit may be limits on the number of twenty (20) signature these transactions each calendar daythat may be authorized. Returns and Adjustments (VISA Debit cardsCards). Merchants and others who honor our brand VISA Debit card Cards may give credit for returns or adjustments, and they will do so by sending us you a credit slip that we you will post to your my designated Checking Account. Foreign Transactions (Debit cardsVISADebit Cards). Purchases, cash withdrawals, cash advances, and credits made in foreign currencies will be billed to your my Account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Card Visa operating regulations for international transactions. The exchange rate between the transaction currency and the billing currency used for processing foreign international transactions is a rate selected by our Card brand Visa from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the fromthe rate the Card branch Visa itself receives receives, or the government government-mandated rate in effect for the applicable central processing date, plus a Foreign Transactions Fee of one percent (1.00%) of the transaction. The conversion rate may be different from than the rate on the day of the transaction or date of the posting of the Account.account. When a credit to the Accountdoesnot account does not fully offset a charge to the Account account due to changes in the rate,you are responsible forthe , I amresponsible for the difference. AdditionallyPurchases, you will incur an International cash advances, and credits in U.S. dollars made outside the United States may be charged a VISAInternational Service Assessment Fee of point eight percent (ISA0.8%) fee of 2% per the transaction. Notice Regarding Non-VISA Pinless Debit Card Transactions: You allownon-VISA debit transaction when you processing. This means I may use your ATM or my VISA Debit card Card on a PIN-Debit Network* (a non-VISA network) without using a PIN to authenticate my transactions. The non-VISA debit networks for which such transactions are allowed are CO-OP®, PLUS® and STAR®, systems. Examples of the types of actions I may be required to make foreign transactionsto initiate a transaction on a Pin-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, including purchase, cashwithdrawals,cashadvancesandcreditstoyouraccount. A foreigntransactionisanytransactionthatyoucomplete or amerchantcompletes on yourcardina currencyotherthanU.S. dollarsInternet, or in kiosk locations), responding to a country other than logo displayed at a payment site and choosing to direct payment through that network, and having my identity verified using known information derived from an existing relationship with you instead of through the United States, whether or not use of a currency conversion occursPIN. The 2.0% currency conversion fee for foreign Please be advised that the terms and conditions of my agreement with you relating to VISA debit transactions without a currency conversion does do not apply to non-VISA debit transactions. For example, the additional limits on liability (sometimes referred to as VISA’s zero-liability program) and the streamlined error resolution procedures offered on VISADebit Card transactions originating are not applicable to transactions processed on US military basesa PIN-Debit Network. If I have any questions about non-Visa debit transactions, and US embassies and consulatesI will call you at 000.000.0000. *VISA rules generally define PIN-Debit Network as a non-VISA debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.

Limitations on Frequency and Dollar Amounts of Transactions. You may make cash advances and purchases only to the extent that you have available funds in your Checking Account checking account plus availablefundsinyourdesignated overdraftsources.available funds in your designated overdraft sources. Purchase transactions with a Debitcardarelimited to$2,500 eachcalendarday.debit card are limited to $7,500 each calendar day. The dailylimitwith daily limit with an ATM or Debitcard Debit card on cash withdrawals has increased to is $1,000. Some ATMs or retailers may place a restriction on their cash limits. Purchase transactions Certain merchants may require a signature or PIN with a Debit Gold card are limited to $3,500 each calendar dayContactless Card based transactions. For security reasons, there is a limit of twenty (20) signature transactions each calendar day. Returns and Adjustments (Debit cards). Merchants and others who honor our brand Debit card may give credit for returns or adjustments, and they will do so by sending us a credit that we will post to your Checking Accountchecking account. Foreign Transactions (Debit cards). Purchases, cash withdrawals, cash advances, and credits made in foreign currencies will be billed to your Account account in U.S. dollars. The conversion to U.S. dollars will be made in accordance with the Card operating regulations for international transactions. The exchange rate between the transaction currency and the billing currency used for processing foreign transactions is a rate selected by our Card brand from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate the Card branch itself receives or the government mandated rate in effect for the applicable central processing date. The conversion rate may be different from the rate on the day of the transaction or date of the posting of the Account.account. When a credit to the Accountdoesnot account does not fully offset a charge to the Account account due to changes in the rate,, you are responsible forthe for the difference. Additionally, you will incur an International Service Assessment (ISA) fee of 2% per transaction when you use your ATM or Debit card to make foreign transactions, including purchase, cashwithdrawals,cashadvancesandcreditstoyouraccountcash withdrawals, cash advances and credits to your account. A foreigntransactionisanytransactionthatyoucomplete foreign transaction is any transaction that you complete, or amerchantcompletes a merchant completes on yourcardina currencyotherthanU.S. your card in a currency other than U.S. dollars, or in a country other than the United States, whether or not a currency conversion occurs. The 2.0% currency conversion fee for foreign transactions without a currency conversion does not apply to transactions originating on US U.S. military bases, and US U.S. embassies and consulates. SPECIFIC ACCOUNT DETAILS Totally Free Business Checking Account Opening requirements: The minimum balance required to open this account is $50.00. Minimum balance requirements: There is no minimum balance required. Dividend earnings: Totally Free Business Checking account does not earn dividends. Transaction limitations: You are allowed 1,000 free items (debits and credits) each month. Thereafter a per item fee will apply. You may deposit up to $10,000 in currency per month; thereafter, a fee per $1,000 will apply. Fees and charges: Refer to the Schedule of Fees & Services for fee amounts. Business Interest Checking Account Opening requirement: The minimum deposit required to open a Business Interest Checking Account is $50.00 Minimum balance requirements: You must maintain a minimum daily balance of $1,500 in your account to avoid a monthly service charge fee. If, during any month, your daily balance is below the required minimum, your account will be subject to a monthly service charge fee. All balances earn dividends based on the average daily balance, paid and compounded monthly. The dividend rate and Annual Percentage Yield, (APY) may change at any time, as determined by the Credit Union’s Board of Directors or designated committee. For the dividend rate and Annual Percentage Yield, APY for this Account call us at 000.000.0000 or check the rates online at xxx.xxxxxxxxxx.xxx .