Common use of Mastercard Debit Card Clause in Contracts

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse and Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings and checking accounts. - 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 Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - 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 $1,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse and Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings and checking accounts. - Make loan payments from your checking accounts. - Access your Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on Mastercard MasterCard Debit Card transactions may apply: - 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 $1,000.00 505 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) dayThe offline maximum is$205. - You may purchase up to a maximum of $1,000.00 500 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 ATMsThe offline maximum is $200. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransaction. 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse MoneyPass, Money Maker, Pulse, and Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - 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 online or by mail or telephone from places that accept Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - There is no limit You may make 99 Mastercard Debit Card purchases per day. - Purchase amounts are limited to the number amount in your account. - You may purchase up to a maximum of cash withdrawals you may make in any one (1) day from an ATM machine$3,000.00 per day. - 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 $1,000.00 3,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransaction. 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 ChargesService Fee brochure. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse PULSE, Plus, Novus, AFFN, Amex, Mastercard, Cirrus®, and Cirrus Accel networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings savings, checking, loan, and checking money market accounts. - Withdraw funds from your savings savings, checking, loan, and checking money market accounts. - Transfer funds from your savings savings, checking, loan, and checking money market accounts. - Obtain balance information for your savings savings, checking, loan, and checking money market accounts. - Make loan payments from your savings, checking, loan, and money market accounts. - Access your Line of Credit accounts. - 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 Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - There is no limit You may purchase up to the number a maximum of cash withdrawals you may make in any one (1) day from an ATM machine$3,000.00 per day. - 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 $1,000.00 3,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. - All transactions conducted with your debit may not exceed $4,000.00 in any combination of above, per day.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking and/or savings account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse and Cirrus networks, Union and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings savings, checking and checking Money Market accounts. - Withdraw funds from your savings savings, checking and checking Money Market accounts. - Transfer funds from your savings savings, checking and checking Money Market accounts. - Obtain balance information for your savings savings, checking and Money Market accounts. - Make loan payments from your savings, checking and Money Market accounts. - Access your Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on Mastercard MasterCard Debit Card transactions may apply: - There is no limit to the number of cash withdrawals you You may make in any one (1) day from an ATM machine20 MasterCard Debit Card purchases per day. - You may purchase up to a maximum of $3,500.00 per day. - You may withdraw up to a maximum of $1,000.00 510.00 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 $1,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse and Cirrus Co-Op, Maestro®, Pulse, Money Pass, Mastercard networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings and checking accounts. - 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 Mastercard. - Order goods or services by web from places that accept Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - There is no limit on the number of Mastercard 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 $1,000.00 400.00 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. - 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. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you You may use your Mastercard® card to purchase goods and services from at any place MasterCard is honored by participating merchantsmerchants and merchants accepting the Card and PIN at POS terminals. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransaction. If you wish to pay for goods or and services over the Internet, you may be required to provide your card number and security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, state or local law. Funds to cover your card purchases will be deducted from your checking share draft account. 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 this type of transactionstransaction. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse NYCE, Cirrus, Star, Co-Op, and Cirrus SC24 networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - ▪ Make deposits to your savings share and checking share draft accounts. - ▪ Withdraw funds from your savings share and checking share draft accounts. - ▪ Transfer funds from your savings share and checking share draft accounts. - ▪ Obtain balance information for your savings share and checking share draft accounts. - ▪ Make loan payments from your share and share draft accounts. ▪ Access your Line of Credit accounts. ▪ 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 MastercardMasterCard. The following limitations on Mastercard the frequency and amount of Debit Card transactions may apply: - There is no limit ▪ You may make 15 signature-based MasterCard Debit Card purchases in any one (1) day. ▪ Signature based purchase amounts are limited to the number of amount in your account up to $5,000.00 in any one (1) day. ▪ Offline MasterCard Debit Card signature-based transactions is $2,500.00 in any one (1) day. ▪ You may make five (5) cash withdrawals you or POS transactions in any one (1) day. ▪ You may make withdraw up to a maximum of $500.00 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/POS terminal, if there are sufficient funds in your account. - There is no limit on the number of ▪ Offline MasterCard Debit ATM/POS transactions you may make is $300.00 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. - ▪ For security purposes, there are other limits on in 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. - See Section 2 ▪ For purposes of determining whether you have reached the daily limit, a day ends at midnight. Friday, Saturday, and Sunday are considered as one business day for transfer limitations that may apply to these transactionsthe purposes of this limit.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse and Cirrus networks, Union and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings savings, checking, and checking Money Fund accounts. - Withdraw funds from your savings savings, checking, and checking Money Fund accounts. - Transfer funds from your savings savings, checking, and checking Money Fund accounts. - Obtain balance information for your savings savings, checking, and checking Money Fund accounts. - 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 Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - There is no limit on the number of Mastercard Debit Card purchases you make per day. - Maximum purchase and POS transactions limit of $2,500.00 ($320.00 for Fresh Start Checking accounts) 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 a maximum of $1,000.00 620.00 ($320.00 for Fresh Start Checking accounts) 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 The maximum aggregate limit of purchase, POS and cash withdrawals allowed per day is $1,000.00 from POS terminals per day, 3,120.00 ($320.00 for Fresh Start Checking accounts) 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. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransactions. If you wish to pay for goods or 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. 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 If the balance in your account is not sufficient to pay the transaction amount, the Credit Union we may pay the amount and treat the transaction transactions 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 card Card and personal identification number (PIN) PIN in ATMs of the Credit Union, Pulse and Cirrus STAR, PLUS, Alliance One, Money Pass networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card and PIN for certain transactions on the Visa or MasterCard Cirrus, networks. However, provisions of this Agreement relating to Visa or MasterCard transactions do not apply to transactions processed through non-Visa or MasterCard networks. To initiate a MasterCard Debit transaction, you must 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 card to: - • Make deposits to your savings share and checking share draft accounts. - • Withdraw funds from your savings share and checking share draft accounts. - • Transfer funds from your savings share and checking share draft accounts. - • Obtain balance information for from your savings share and checking share draft accounts. - • Make point-of-sale (POS) loan payments from your share and share draft accounts. • Make POS transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - • Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on Mastercard Debit Card transactions may applyCard: - 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 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 500 in any one (1) day. - You may purchase up to a maximum of $1,000.00 from POS terminals per 1500 amount in any one (1) day, if there . - Purchase amounts are sufficient funds limited to the amount in your account. - Transfer available balance in your accounts at the time of the transfer. - For security purposesreasons, 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. - See Section 2 Transfer Limitation section for transfer limitations that may apply to for these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransactions. If you wish to pay for goods or 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. 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 If the balance in your account is not sufficient to pay the transaction amount, the Credit Union we may pay the amount and treat the transaction transactions 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 card Card and personal identification number (PIN) PIN in ATMs of the Credit Union, Pulse and Cirrus STAR, PLUS, Alliance One, Money Pass networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card and PIN for certain transactions on the Visa or MasterCard Cirrus, CU24 networks. However, provisions of this Agreement relating to Visa or MasterCard transactions do not apply to transactions processed through non-Visa or MasterCard networks. To initiate a MasterCard Debit transaction, you must 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 card to: - • Make deposits to your savings share and checking share draft accounts. - • Withdraw funds from your savings share and checking share draft accounts. - • Transfer funds from your savings share and checking share draft accounts. - • Obtain balance information for from your savings share and checking share draft accounts. - • Make point-of-sale (POS) loan payments from your share and share draft accounts. • Make POS transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - • Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on Mastercard Debit Card transactions may applyCard: - 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 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 500 in any one (1) day. - You may purchase up to a maximum of $1,000.00 from POS terminals per 1500 amount in any one (1) day, if there . - Purchase amounts are sufficient funds limited to the amount 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. - For security reasons, there are other limits on the frequency and amount of transfers available at ATMs - See Section 2 Transfer Limitation section for transfer limitations that may apply to for these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse and Cirrus ACCEL/Exchange networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - 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 online or by mail or telephone from places that accept Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - There is no limit on the number of Mastercard 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 $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 $1,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransaction. 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse and Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings savings, checking, and checking club accounts. - Withdraw funds from your savings savings, checking, and checking club accounts. - Transfer funds from your savings savings, checking, loan and checking club accounts. - Obtain balance information for your savings savings, checking, loan and checking club accounts. - Make loan payments from your savings, checking, and club accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on Mastercard MasterCard Debit Card transactions may apply: - There is no limit on the number of MasterCard 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 $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 $1,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransaction. 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse NYCE, Co-Op, and Cirrus PLUS® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings share and checking accounts. - Withdraw funds from your savings share and checking accounts. - Transfer funds from your savings share and checking accounts. - Obtain balance information for your savings share and checking accounts. - Access your Line-of-Credit accounts. - 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 online or by mail or telephone from places that accept Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - There is no limit to on the number of cash withdrawals Mastercard Debit Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may make withdraw up to a maximum of $500.00 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 $1,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse and Cirrus CO-OP, NYCE, Cirrus, PLUS networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings and checking accounts. - 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 Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - There is no limit on the number of Mastercard 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 $1,500.00 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 $1,000.00 600.00 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 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. 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 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 card and personal identification number Personal Identification Number (PIN) in ATMs of the Credit Union, Pulse Xxxxxx and Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number Personal Identification Number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on Mastercard MasterCard Debit Card transactions may apply: - There is no limit You may make 20 MasterCard Debit Card purchases per day. - You may purchase up to the number a maximum of $1,500.00 per day. - You may make five (5) cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $1,000.00 600.00 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 You may make 20 POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $1,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse and Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings and checking accounts. - Make loan payments from your checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on Mastercard MasterCard Debit Card transactions may apply: - 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 $1,000.00 505 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There The offline maximum is no limit on the number of POS transactions you may make in any one (1) day$205. - You may purchase up to a maximum of $1,000.00 500 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 ATMsThe offline maximum is $200. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransaction. 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse NYCE, Co-Op, and Cirrus Cirrus® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer 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. - 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 online or by mail or telephone from places that accept Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - 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 Mastercard Debit Card purchases 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. - 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. - See Section 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.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransaction. 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse MoneyPass, Co-Op, and Cirrus STAR networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings savings, checking, and checking money market accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings, checking, and money market accounts. - Make loan payments from your savings and checking accounts. - 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 online or by mail or telephone from places that accept Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - There is no limit You may make 25 Mastercard Debit Card purchases per day. - Purchase amounts are limited to the number of amount in your account. - You may make five (5) cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $1,000.00 509.00 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 You may make 20 POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $1,000.00 3,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransaction. 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse Cirrus, CO-OP and Cirrus NYCE networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - Order goods or services by mail or telephone from places that accept MastercardVisa. The following limitations on Mastercard MasterCard Debit Card transactions may apply: - There is no limit to on the number of cash withdrawals Visa Check Card purchases you make per day. - You may make in any one (1) day from an ATM machinepurchase up to a maximum of $4,999.99 per day. - You may withdraw up to a maximum of $1,000.00 500.00 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 $1,000.00 500.00 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. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransaction. 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 of Fees and ChargesService Fees. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse PULSE, Plus, AFFN, Mastercard, Cirrus®, and Cirrus Accel networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings savings, checking, loan, and checking money market accounts. - Withdraw funds from your savings savings, checking, loan, and checking money market accounts. - Transfer funds from your savings savings, checking, loan, and checking money market accounts. - Obtain balance information for your savings savings, checking, loan, and checking money market accounts. - Make loan payments from your savings, checking, loan, and money market accounts. - Access your Line of Credit accounts. - 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 Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - There is no limit You may purchase up to the number a maximum of cash withdrawals you may make in any one (1) day from an ATM machine$3,000.00 per day. - 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 $1,000.00 3,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. - All transactions conducted with your debit may not exceed $4,000.00 in any combination of above, per day.

Mastercard Debit Card. If approved, you You may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransactions. 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking Checking account. 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 If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may we will pay the amount account and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accountsOverdraft Protection account, or loan Loan accounts that you have established with the Credit Unionus. 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 we may terminate all services under this Agreement. You may use your card and personal identification number (PIN) PIN in ATMs automated teller machines of the Credit Union, Pulse and Cirrus networks, Union networks and such other machines machine or facilities as the Credit Union we may designate. At Foreign Transaction fee for debit transactions is 1% of the present time, you transaction amount. You may also use your card toDebit Card to perform the following transactions: - • Make deposits to your savings and checking accounts. - Withdraw funds withdrawals to/from your savings primary Share (saving) and checking accountsShare Draft (checking) accounts at an ATM. - • Transfer funds from your primary savings and checking accountsaccounts at an ATM. - • Obtain balance information for your primary savings and checking accountsaccounts at an ATM. - • Make point-of-sale POS (POSpoint of sale) and PIN based 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 mail, internet, or telephone from places that accept Mastercardwhere MasterCard is accepted. The following limitations on Mastercard the frequency and dollar amount of MasterCard Debit Card card transactions may apply: - • There is no limit on the number of purchases or POS transactions you make per day • You may make purchases up to a maximum of $5000.00 per day if there are sufficient funds in your account to do so. • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machineATM. - • You may withdraw up to a maximum of $1,000.00 in any one (1) 500.00 per day from an ATM machine, if there are sufficient funds in your accountaccount to do so. - There is no limit on the number of POS transactions you may make in any one (1) day. - • You may purchase transfer up to a maximum of $1,000.00 from POS terminals per day, if there are sufficient funds the available balance in your accountaccounts at the time of the transfer • Regulation D limitations do apply on withdrawal and transfer transactions. - See Section 2 for information on those limitations. • 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. - • See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse and Cirrus networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings and checking accounts. - Make loan payments from your checking accounts. - Access your Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on Mastercard MasterCard Debit Card transactions may apply: - 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 $1,000.00 4,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 transactiontrans- action. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse and Cirrus Union networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on Mastercard MasterCard Debit Card transactions may apply: - There is no limit to the number of cash withdrawals you You may make 20 MasterCard Debit Card purchases per day. - You may purchase up to a maximum of $2,000.00 per day. This limit will be reduced to $500.00 during any period in any one (1) day from an ATM machinewhich the system is offline or unavailable. - You may withdraw up to a maximum of $1,000.00 505.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There This limit will be reduced to $305.00 when the system is no limit on the number of POS transactions you may make in any one (1) dayoffline or unavailable. - You may purchase up to a maximum of $1,000.00 505.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on This limit will be reduced to $305.00 when the frequency and amount of transfers available at ATMssystem is offline or unavailable. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. Delayed Funds Availability Notice. Subject to our Funds Availability Policy, deposits made at Cy-Fair Federal Credit Union locations may not be posted to your account until they are received and verified by us or all deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See our Funds Availability Policy for our policy regarding the availability of your deposits. Delayed Funds Availability Notice. Subject to our Funds Availability Policy, deposits made at Cy-Fair Federal Credit Union locations may not be posted to your account until they are received and verified by us or all deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification on the deposit envelope. See our Funds Availability Policy for our policy regarding the availability of your deposits.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransaction. 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 transactiontr ansaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse ACCEL/Exchange, American Express, Discover, Pulse, and Cirrus Cirrus® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking share draft accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking share draft accounts. - Obtain balance information for your savings and checking share draft accounts. - Make loan payments from your share draft accounts. - Access your Overdraft Protection accounts. - 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 Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - You may make 15 Mastercard Debit Card purchases 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 $1,000.00 510.00 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 $1,000.00 500.00 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. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransaction. 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse NYCE, Cirrus®, SUM®, and Cirrus ACCEL® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - − Make deposits to your savings and checking share draft accounts. - − Withdraw funds from your savings and checking share draft accounts. - Transfer funds from your savings and checking accounts. - − Obtain balance information for your savings and checking share draft accounts. - − 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 online or by mail or telephone from places that accept Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - − There is no limit on the number of Mastercard Debit Card purchases you make per day. − 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 $1,000.00 500.00 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 $1,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - − See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransactions. If you wish to pay for goods or 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. 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 If the balance in your account is not sufficient to pay the transaction amount, the Credit Union we may pay the amount and treat the transaction transactions 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 card Card and personal identification number (PIN) PIN in ATMs of the Credit Union, Pulse and Cirrus STAR, PLUS, Alliance One, Money Pass networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card and PIN for certain transactions on the Visa or MasterCard Cirrus, networks. However, provisions of this Agreement relating to Visa or MasterCard transactions do not apply to transactions processed through non-Visa or MasterCard networks. To initiate a MasterCard Debit transaction, you must 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 card to: - • Make deposits to your savings share and checking share draft accounts. - • Withdraw funds from your savings share and checking share draft accounts. - • Transfer funds from your savings share and checking share draft accounts. - • Obtain balance information for from your savings share and checking share draft accounts. - • Make point-of-sale (POS) loan payments from your share and share draft accounts. • Make POS transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - • Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on Mastercard Debit Card transactions may applyCard: - 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 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 500 in any one (1) day. - You may purchase up to a maximum of $1,000.00 from POS terminals per 1500 amount in any one (1) day, if there . - Purchase amounts are sufficient funds limited to the amount in your account. - Transfer available balance in your accounts at the time of the transfer. - For security purposesreasons, 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. ATMs - See Section 2 Transfer Limitation section for transfer limitations that may apply to for these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse Pulse, Cirrus, Alliance One, and Cirrus CU24 networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer 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. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on Mastercard Debit Card transactions may apply: - There is no limit on the number of Mastercard Debit Card purchases you make per day. - You may purchase up to a maximum of $2,500.00 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. - Daily limits for withdrawals at ATMs will apply based on your account history with the credit union - You may withdraw up to a maximum of $1,000.00 in any one (1) 2,500.00 per day from an ATM machine, if there are sufficient funds in your accountATM. - 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 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. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse CO-OP, Cirrus, and Cirrus STAR networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings savings, checking, and checking money market accounts. - Withdraw funds from your savings savings, checking, and checking money market accounts. - Transfer funds from your savings savings, checking, and checking money market accounts. - Obtain balance information for your savings savings, checking, and checking money market accounts. - Access your CashAccount LOC accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on Mastercard MasterCard Debit Card transactions may apply: - We reserve the right to change the terms and conditions upon which this service is offered. - There is no limit to on the number of MasterCard Debit Card purchases you make per day. - You may purchase up to a maximum of $4,000.00 per day. - You may make 10 cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $1,000.00 500.00 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 You may make 10 POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $1,000.00 4,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internettransaction. 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse and Cirrus Pulse, Cirrus, Maestro, MasterCard networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your share draft and savings and checking accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your share draft and savings and checking accounts. - Obtain balance information for your share draft and savings and checking accounts. - Access your Overdraft Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept MastercardMasterCard. - Order goods or services by mail or telephone from places that accept MastercardMasterCard. The following limitations on Mastercard MasterCard Debit Card transactions may apply: - There is no limit to on the number of cash withdrawals MasterCard Debit Card purchases you make per day. - You may make in any one (1) day from an ATM machinepurchase up to a maximum of $3,000.00 per day. - You may withdraw up to a maximum of $1,000.00 500.00 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 $1,000.00 3,000.00 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Mastercard Debit Card. If approved, you may use your Mastercard® card to purchase goods and services 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 card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. 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 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 card and personal identification number (PIN) in ATMs of the Credit Union, Pulse and Cirrus CO-OP, NYCE, Cirrus, PLUS, ACCEL/Exchange networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings and checking accounts. - 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 Mastercard. The following limitations on Mastercard Debit Card transactions may apply: - There is no limit on the number of Mastercard 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 $1,500.00 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 $1,000.00 600.00 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 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 transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.