Common use of MasterCard Debit Clause in Contracts

MasterCard Debit. If approved, you may use your Mastercard® Debit card to purchase goods and services from participating merchants. 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 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, Cirrus, Pulse, 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 share, share draft, and club accounts. - Withdraw funds from your share, share draft, loan and club accounts. - Transfer funds from your share, share draft, loan and club accounts. - Obtain balance information for your share, share draft, loan and club accounts. - Access your WEPCO Line and HELOC 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 transactions may apply: - There is no limit on the number of Mastercard Debit 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 $300.00 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 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. If approved, you You may use your Mastercard® Debit 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 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 members 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, CirrusAccel-Exchange, Pulse, Plus Cirrus and 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, share draft, and club accounts. - • Withdraw funds from your share, share draft, loan and club share draft accounts. - Transfer funds from your share, share draft, loan and club accounts. - • Obtain balance information for your share, share draft, loan and club share draft accounts. - Access your WEPCO Line and HELOC accounts. - Make point-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 the frequency and amount of MasterCard Debit transactions may apply: - There is no limit on the number of Mastercard • You may make twenty (20) MasterCard Debit purchases you make per day. - Purchase amounts are limited • You may purchase up to the amount in your accounta maximum of $1,000.00 per day. - There is no limit to the number of • You may make fifteen (15) cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $300.00 500.00 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 twenty (20) POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of $2,000.00 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. Maximum ATM withdrawal and POS transactions per day of $2,500.00, if there are sufficient funds in your account.

MasterCard Debit. If approved, you You may use your Mastercard® Debit 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 share draft account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s 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 members 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, CirrusAccel-Exchange, Pulse, Plus Cirrus and 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, share draft, and club accounts. - • Withdraw funds from your share, share draft, loan and club share draft accounts. - Transfer funds from your share, share draft, loan and club accounts. - • Obtain balance information for your share, share draft, loan and club share draft accounts. - Access your WEPCO Line and HELOC accounts. - Make point-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 the frequency and amount of MasterCard Debit transactions may apply: - There is no limit on the number of Mastercard • You may make twenty (20) MasterCard Debit purchases you make per day. - Purchase amounts are limited • You may purchase up to the amount in your accounta maximum of $1,000.00 per day. - There is no limit to the number of • You may make fifteen (15) cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $300.00 500.00 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 twenty (20) POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of $2,000.00 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. Maximum ATM withdrawal and POS transactions per day of $2,500.00, if there are sufficient funds in your account.

MasterCard Debit. If approved, you may use your Mastercard® Debit card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. 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 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-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, Cirrus, Pulse, 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 share, share draft, and club accounts. - Withdraw funds from your share, share draft, loan and club share draft accounts. - Transfer funds from your share, share draft, loan and club share draft accounts. - Obtain balance information for your share, share draft, loan and club accounts. - Access your WEPCO Line and HELOC 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 transactions may apply: - There is no limit For security purposes, there are other limits on the number frequency and amount of Mastercard Debit 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 $300.00 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) daytransfers 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 purchase and withdrawal limits. You will be notified of these limits by the Credit Union before you receive your access card.