Common use of Notice of Credit Clause in Contracts

Notice of Credit. If we receive a payment order to credit an account you have with us, we are not required to provide you with any notice of the payment order or the credit. PROVISIONAL CREDIT – You agree to be bound by the automated clearing house association operating rules that provide that payments made to you or originated by you by funds transfer through the automated clearing house system are provisional until final settlement is made through a Federal Reserve Bank or otherwise payment is made as provided in Article 4A-403(a) of the Uniform Commercial Code. REFUND OF CREDIT – You agree that if we do not receive payment of an amount credited to your account, we are entitled to a refund from you in the amount credited and the party originating such payment will not be considered to have paid the amount so credited. AMENDMENT OF FUNDS TRANSFER AGREEMENT – From time to time we may amend any term of this agreement by giving you reasonable notice in writing. We may give notice to anyone who is authorized to send payment orders to us in your name, or to anyone who is authorized to accept service. CANCELLATION OR AMENDMENT OF PAYMENT ORDER – You may cancel or amend a payment order you give us only if we receive the communication of cancelation or amendment before our cutoff time and in time to have a reasonable opportunity to act on it before we accept the payment order. The communication of cancellation or amendment must be presented in conformity with the same security procedures that have been agreed to for payment orders. INTERMEDIARIES – We are not liable for the actions of any intermediary, regardless of whether or not we selected the intermediary. We are not responsible for acts of God, outside agencies, or non-salaried agents. LIMIT ON LIABILITY – You waive any claim you may have against us for consequential or special damages, including loss of profit arising out of a payment order or funds transfer, unless this waiver is prohibited by law. We are not responsible for attorney fees you might incur due to erroneous execution of payment order. ERRONEOUS EXECUTION – If we receive an order to pay you, and we erroneously pay you more than the amount of the payment order, we are entitled to recover from you the amount in excess of the amount of the payment order, regardless of whether you may have some claim to the excess amount against the originator of the order.

Notice of Credit. If we receive a payment order to credit an account you have with us, we are not required arranged to provide you with any notice of the payment order or the credit. PROVISIONAL CREDIT – You agree to be bound by the automated clearing house association operating rules that provide that payments have EFT deposits made to you or originated by you by funds transfer through the automated clearing house system are provisional until final settlement is made through a Federal Reserve Bank or otherwise payment is made as provided in Article 4A-403(a) of the Uniform Commercial Code. REFUND OF CREDIT – You agree that if we do not receive payment of an amount credited to your account, you can call us at (207) 000- 0000 to find out whether the deposit has been made. Summary of your right to stop payment and the procedure for doing so: If you have told us in advance to make regular payments out of your account, you may stop any of these. Simply call us at (000) 000-0000 or write to us at 00 Xxxxxx Xxxxxx, Xxxxxxxxxx, XX 00000 in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we will request that you sign a form confirming this action. Forms are entitled available at the Credit Union or may be mailed to you. Your confirmation is required within three (3) business days of your call. You will be charged for each stop payment order given. Refer to the Rate and Fee Schedule for current fees. Stop payments are valid for the lesser of six (6) months for a one (1) time item, when the item has been stopped, or the stop payment order withdrawn. Stop payments for Recurring ACH withdrawals do not expire in six (6) months if the items are still occurring. If the stop payment has been done over the phone, the stop payment is only in effect for two (2) weeks. Please come in and sign the ACH Stop Payment form to extend the effective period. Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Circumstances under which we will disclose information to third parties about your account or the transfers you make:  When necessary for completing transfers  To verify the existence and condition of your account for a third party, such as a credit bureau or merchant  To comply with government agency or court orders  If you give us written permission  Where permitted under applicable law Cardholder Agreement You agree to the rules and regulations affecting the issuance of the CU24 Visa Debit Card provided by us for your convenience. Business/Commercial Members Are Prohibited from Engaging in Unlawful Internet Gambling under the Unlawful Internet Gambling Enforcement Act: Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses for participation by others in illegal and unlawful Internet gambling. Authorized Use: Only you are qualified to deposit or withdraw funds to or from your account(s) with the use of the Visa Debit Card at participating merchant or financial institution locations or remote facilities, and positive identification may be requested by the participating merchant or financial institution prior to any transaction. You agree that you will not use or allow anyone else to use your card or PIN for any transaction that is illegal under applicable federal, state or local law. You agree that you will not use or allow anyone else to use your card or PIN for any gambling transaction over the Internet or in person. In addition, you understand that the credit union will decline these transactions if attempted. Non-Visa PINless Debit Card Transactions: We allow non-Visa debit transaction processing. This means you may use your Visa Debit Card on a PIN-Debit Network (a non-Visa network) without using a PIN to authenticate your transactions. (Visa rules generally define a PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.) The non-Visa debit network for which such transactions are allowed is NYCE. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa Debit Card include signing a receipt, providing a debit card number over the phone or via the Internet or swiping the debit card through a point-of-sale terminal. Examples of the types of actions to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet or kiosk locations) responding to a refund logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you in instead of using a PIN. Please be advised that the amount credited terms and conditions of your agreement with us relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero- liability program) and the party originating streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. Types of Transactions Available and Limits on Transactions: You may use your Visa Debit Card to withdraw from or make deposits to your account, and perform such payment will not be considered to have paid the amount so credited. AMENDMENT OF FUNDS TRANSFER AGREEMENT – From other financial transaction as we may from time to time we permit during the business hours of any remote financial facility. You may amend any term of this agreement by giving you reasonable notice in writing. We may give notice to anyone who is authorized to send payment orders to us in your name, or to anyone who is authorized also pay for purchases at places that have agreed to accept serviceyour card (called Point-of-Sale Purchases (POS)). CANCELLATION OR AMENDMENT OF PAYMENT ORDER – You may cancel or amend a payment order you give us only if These POS purchases will be deducted from your account. CU24 Visa Debit Card Limitation on Frequency and Amount of Transactions: For the protection of our members, we receive the communication of cancelation or amendment before our cutoff time and in time to have a reasonable opportunity to act on it before we accept the payment order. The communication of cancellation or amendment must be presented in conformity with the same security procedures that have been agreed to for payment orders. INTERMEDIARIES – We are not liable for the actions of any intermediary, regardless of whether or not we selected the intermediary. We are not responsible for acts of God, outside agencies, or non-salaried agents. LIMIT ON LIABILITY – You waive any claim you may have against us for consequential or special damages, including loss of profit arising out of a payment order or funds transfer, unless this waiver is prohibited by law. We are not responsible for attorney fees you might incur due to erroneous execution of payment order. ERRONEOUS EXECUTION – If we receive an order to pay you, and we erroneously pay you more than limited the amount of each withdrawal from an account to Five Hundred Dollars ($500) per day at a remote banking facility or ATM. You may buy up to One Thousand Five Hundred Dollars ($1,500) worth of goods or services each day in our POS transfer service. Delays in Posting Transactions: Due to the payment order, we are entitled to recover from you the amount in excess nature of the amount ATM system, there may be delays between the time of any activity on your account(s) and the payment order, regardless time it is reflected on our records of whether you may have some claim your account(s). Charge for Originating Shares and Remote Banking Transaction: A transaction resulting in a withdrawal from your account using the CU24 Visa Debit Card or your PIN or other information which could provide electronic access to your account is considered the excess amount against same as any other type of transaction regarding our service charge formulas. The type of account determines if a fee will be assessed. All transaction fees will be deducted from your account. Please contact the originator of the orderCredit Union for current charges.

Notice of Credit. If we receive a payment order to credit an account you have with us, we are not required arranged to provide you with any notice of the payment order or the credit. PROVISIONAL CREDIT – You agree to be bound by the automated clearing house association operating rules that provide that payments have EFT deposits made to you or originated by you by funds transfer through the automated clearing house system are provisional until final settlement is made through a Federal Reserve Bank or otherwise payment is made as provided in Article 4A-403(a) of the Uniform Commercial Code. REFUND OF CREDIT – You agree that if we do not receive payment of an amount credited to your account, you can call us at (207) 000- 0000 to find out whether or not the deposit has been made. Summary of your right to stop payment and the procedure for doing so: If you have told us in advance to make regular payments out of your account, you may stop any of these. Simply call us at (000) 000-0000 or (000) 000-0000 or write to us at 00 Xxxxx Xxxxxx, Xxxxxxxxxx, XX 00000 or 00 Xxxx Xxxxxx, Xxxxxxx, XX 00000 in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we will request that you sign a form confirming this action. Forms are entitled available at the Credit Union or may be mailed to you. Your confirmation is required within three (3) business days of your call. You will be charged for each stop payment order given. Refer to the Rate and Fee Schedule for current fees. Stop payments are valid for the lesser of six (6) months for a one (1) time item, when the item has been stopped, or the stop payment order withdrawn. Stop payments for Recurring ACH withdrawals do not expire in six (6) months if the items are still occurring. If the stop payment has been done over the phone, the stop payment is only in effect for two (2) weeks. Please come in and sign the ACH Stop Payment form to extend the effective period. Circumstances under which we will disclose information to third parties about your account or the transfers you make: • When necessary for completing transfers • In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant • In order to comply with government agency or court orders • If you give us written permission • Where permitted under applicable law Cardholder Agreement You agree to the rules and regulations affecting the issuance of the CU24 Visa Debit Card provided by us for your convenience. Business/Commercial Members Are Prohibited from Engaging in Unlawful Internet Gambling under the Unlawful Internet Gambling Enforcement Act: Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks or drafts are knowingly accepted by gambling businesses in connection with the participation by others in illegal and unlawful Internet gambling. Authorized Use: Only you are qualified to deposit or withdraw funds to or from your account(s) with the use of the Visa Debit Card at participating merchant or financial institution locations or remote facilities, and positive identification may be requested by the participating merchant or financial institution prior to any transaction. You agree that you will not use or allow anyone else to use your card or PIN for any transaction that is illegal under applicable federal, state or local law. You agree that you will not use or allow anyone else to use your card or PIN for any gambling transaction over the Internet or in person. In addition, you understand that the credit union will decline these transactions if attempted. Non-Visa PINless Debit Card Transactions: We allow non-Visa debit transaction processing. This means you may use your Visa Debit Card on a PIN-Debit Network (a non-Visa network) without using a PIN to authenticate your transactions. (Visa rules generally define a PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.) The non-Visa debit networks for which such transactions are allowed are NYCE and ACCEL/Exchange. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa Debit Card include signing a receipt, providing a debit card number over the phone or via the Internet or swiping the debit card through a point-of-sale terminal. Examples of the types of actions to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet or kiosk locations) responding to a refund logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you in instead of through the amount credited use of a PIN. Please be advised that the terms and conditions of your agreement with us relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero- liability program) and the party originating streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. Types of Transactions Available and Limits on Transactions: You may use your Visa Debit Card to withdraw from or make deposits to your account, and perform such payment will not be considered to have paid the amount so credited. AMENDMENT OF FUNDS TRANSFER AGREEMENT – From other financial transaction as we may from time to time we permit during the business hours of any remote financial facility. You may amend any term of this agreement by giving you reasonable notice in writing. We may give notice to anyone who is authorized to send payment orders to us in your name, or to anyone who is authorized also pay for purchases at places that have agreed to accept serviceyour card (called Point-of-Sale Purchases (POS)). CANCELLATION OR AMENDMENT OF PAYMENT ORDER – You may cancel or amend a payment order you give us only if These POS purchases will be deducted from your account. CU24 Visa Debit Card Limitation on Frequency and Amount of Transactions: For the protection of our members, we receive the communication of cancelation or amendment before our cutoff time and in time to have a reasonable opportunity to act on it before we accept the payment order. The communication of cancellation or amendment must be presented in conformity with the same security procedures that have been agreed to for payment orders. INTERMEDIARIES – We are not liable for the actions of any intermediary, regardless of whether or not we selected the intermediary. We are not responsible for acts of God, outside agencies, or non-salaried agents. LIMIT ON LIABILITY – You waive any claim you may have against us for consequential or special damages, including loss of profit arising out of a payment order or funds transfer, unless this waiver is prohibited by law. We are not responsible for attorney fees you might incur due to erroneous execution of payment order. ERRONEOUS EXECUTION – If we receive an order to pay you, and we erroneously pay you more than limited the amount of each withdrawal from an account to Five Hundred Dollars ($500) per day at a remote banking facility or ATM. You may buy up to One Thousand Five Hundred Dollars ($1,500) worth of goods or services each day in our POS transfer service. Delays in Posting Transactions: Due to the payment order, we are entitled to recover from you the amount in excess nature of the amount ATM system, there may be delays between the time of any activity on your account(s) and the payment order, regardless time it is reflected on our records of whether you may have some claim your account(s). Charge for Originating Shares and Remote Banking Transaction: A transaction resulting in a withdrawal from your account using the CU24 Visa Debit Card or your PIN or other information which could provide electronic access to your account is considered the excess amount against same as any other type of transaction in regard to our service charge formulas. The type of account determines if and when a fee will be assessed. All transaction fees will be deducted from your account. Please contact the originator of the orderCredit Union for current charges.

Notice of Credit. If we receive a payment order to credit an account you have with us, we are not required arranged to provide you with any notice of the payment order or the credit. PROVISIONAL CREDIT – You agree to be bound by the automated clearing house association operating rules that provide that payments have EFT deposits made to you or originated by you by funds transfer through the automated clearing house system are provisional until final settlement is made through a Federal Reserve Bank or otherwise payment is made as provided in Article 4A-403(a) of the Uniform Commercial Code. REFUND OF CREDIT – You agree that if we do not receive payment of an amount credited to your account, you can call us at (207) 000- 0000 to find out whether the deposit has been made. Summary of your right to stop payment and the procedure for doing so: If you have told us in advance to make regular payments out of your account, you may stop any of these. Simply call us at (000) 000-0000 or write to us at 00 Xxxxxx Xxxxxx, Xxxxxxxxxx, XX 00000 in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we will request that you sign a form confirming this action. Forms are entitled available at the Credit Union or may be mailed to you. Your confirmation is required within three (3) business days of your call. You will be charged for each stop payment order given. Refer to the Rate and Fee Schedule for current fees. Stop payments are valid for the lesser of six (6) months for a one (1) time item, when the item has been stopped, or the stop payment order withdrawn. Stop payments for Recurring ACH withdrawals do not expire in six (6) months if the items are still occurring. If the stop payment has been done over the phone, the stop payment is only in effect for two (2) weeks. Please come in and sign the ACH Stop Payment form to extend the effective period. Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Circumstances under which we will disclose information to third parties about your account or the transfers you make: • When necessary for completing transfers • To verify the existence and condition of your account for a third party, such as a credit bureau or merchant • To comply with government agency or court orders • If you give us written permission • Where permitted under applicable law Cardholder Agreement You agree to the rules and regulations affecting the issuance of the CU24 Visa Debit Card provided by us for your convenience. Business/Commercial Members Are Prohibited from Engaging in Unlawful Internet Gambling under the Unlawful Internet Gambling Enforcement Act: Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses for participation by others in illegal and unlawful Internet gambling. Authorized Use: Only you are qualified to deposit or withdraw funds to or from your account(s) with the use of the Visa Debit Card at participating merchant or financial institution locations or remote facilities, and positive identification may be requested by the participating merchant or financial institution prior to any transaction. You agree that you will not use or allow anyone else to use your card or PIN for any transaction that is illegal under applicable federal, state or local law. You agree that you will not use or allow anyone else to use your card or PIN for any gambling transaction over the Internet or in person. In addition, you understand that the credit union will decline these transactions if attempted. Non-Visa PINless Debit Card Transactions: We allow non-Visa debit transaction processing. This means you may use your Visa Debit Card on a PIN-Debit Network (a non-Visa network) without using a PIN to authenticate your transactions. (Visa rules generally define a PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.) The non-Visa debit network for which such transactions are allowed is NYCE. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa Debit Card include signing a receipt, providing a debit card number over the phone or via the Internet or swiping the debit card through a point-of-sale terminal. Examples of the types of actions to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet or kiosk locations) responding to a refund logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you in instead of using a PIN. Please be advised that the amount credited terms and conditions of your agreement with us relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero- liability program) and the party originating streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. Types of Transactions Available and Limits on Transactions: You may use your Visa Debit Card to withdraw from or make deposits to your account, and perform such payment will not be considered to have paid the amount so credited. AMENDMENT OF FUNDS TRANSFER AGREEMENT – From other financial transaction as we may from time to time we permit during the business hours of any remote financial facility. You may amend any term of this agreement by giving you reasonable notice in writing. We may give notice to anyone who is authorized to send payment orders to us in your name, or to anyone who is authorized also pay for purchases at places that have agreed to accept serviceyour card (called Point-of-Sale Purchases (POS)). CANCELLATION OR AMENDMENT OF PAYMENT ORDER – You may cancel or amend a payment order you give us only if These POS purchases will be deducted from your account. CU24 Visa Debit Card Limitation on Frequency and Amount of Transactions: For the protection of our members, we receive the communication of cancelation or amendment before our cutoff time and in time to have a reasonable opportunity to act on it before we accept the payment order. The communication of cancellation or amendment must be presented in conformity with the same security procedures that have been agreed to for payment orders. INTERMEDIARIES – We are not liable for the actions of any intermediary, regardless of whether or not we selected the intermediary. We are not responsible for acts of God, outside agencies, or non-salaried agents. LIMIT ON LIABILITY – You waive any claim you may have against us for consequential or special damages, including loss of profit arising out of a payment order or funds transfer, unless this waiver is prohibited by law. We are not responsible for attorney fees you might incur due to erroneous execution of payment order. ERRONEOUS EXECUTION – If we receive an order to pay you, and we erroneously pay you more than limited the amount of each withdrawal from an account to Five Hundred Dollars ($500) per day at a remote banking facility or ATM. You may buy up to One Thousand Five Hundred Dollars ($1,500) worth of goods or services each day in our POS transfer service. Delays in Posting Transactions: Due to the payment order, we are entitled to recover from you the amount in excess nature of the amount ATM system, there may be delays between the time of any activity on your account(s) and the payment order, regardless time it is reflected on our records of whether you may have some claim your account(s). Charge for Originating Shares and Remote Banking Transaction: A transaction resulting in a withdrawal from your account using the CU24 Visa Debit Card or your PIN or other information which could provide electronic access to your account is considered the excess amount against same as any other type of transaction regarding our service charge formulas. The type of account determines if a fee will be assessed. All transaction fees will be deducted from your account. Please contact the originator of the orderCredit Union for current charges.

Notice of Credit. If we receive a payment order to credit an account you have with us, we are not required arranged to provide you with any notice of the payment order or the credit. PROVISIONAL CREDIT – You agree to be bound by the automated clearing house association operating rules that provide that payments have EFT deposits made to you or originated by you by funds transfer through the automated clearing house system are provisional until final settlement is made through a Federal Reserve Bank or otherwise payment is made as provided in Article 4A-403(a) of the Uniform Commercial Code. REFUND OF CREDIT – You agree that if we do not receive payment of an amount credited to your account, you can call us at (207) 000- 0000 to find out whether the deposit has been made. Summary of your right to stop payment and the procedure for doing so: If you have told us in advance to make regular payments out of your account, you may stop any of these. Simply call us at (000) 000-0000 or write to us at 00 Xxxxx Xxxxxx, Xxxxxxxxxx, XX 00000 in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we will request that you sign a form confirming this action. Forms are entitled available at the Credit Union or may be mailed to you. Your confirmation is required within three (3) business days of your call. You will be charged for each stop payment order given. Refer to the Rate and Fee Schedule for current fees. Stop payments are valid for the lesser of six (6) months for a one (1) time item, when the item has been stopped, or the stop payment order withdrawn. Stop payments for Recurring ACH withdrawals do not expire in six (6) months if the items are still occurring. If the stop payment has been done over the phone, the stop payment is only in effect for two (2) weeks. Please come in and sign the ACH Stop Payment form to extend the effective period. Liability for failure to stop payment of preauthorized transfer. If you order us to stop one of these payments 3 business days or more before the transfer is scheduled, and we do not do so, we will be liable for your losses or damages. Circumstances under which we will disclose information to third parties about your account or the transfers you make: • When necessary for completing transfers • To verify the existence and condition of your account for a third party, such as a credit bureau or merchant • To comply with government agency or court orders • If you give us written permission • Where permitted under applicable law Cardholder Agreement You agree to the rules and regulations affecting the issuance of the CU24 Visa Debit Card provided by us for your convenience. Business/Commercial Members Are Prohibited from Engaging in Unlawful Internet Gambling under the Unlawful Internet Gambling Enforcement Act: Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks, or drafts are knowingly accepted by gambling businesses for participation by others in illegal and unlawful Internet gambling. Authorized Use: Only you are qualified to deposit or withdraw funds to or from your account(s) with the use of the Visa Debit Card at participating merchant or financial institution locations or remote facilities, and positive identification may be requested by the participating merchant or financial institution prior to any transaction. You agree that you will not use or allow anyone else to use your card or PIN for any transaction that is illegal under applicable federal, state or local law. You agree that you will not use or allow anyone else to use your card or PIN for any gambling transaction over the Internet or in person. In addition, you understand that the credit union will decline these transactions if attempted. Non-Visa PINless Debit Card Transactions: We allow non-Visa debit transaction processing. This means you may use your Visa Debit Card on a PIN-Debit Network (a non-Visa network) without using a PIN to authenticate your transactions. (Visa rules generally define a PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.) The non-Visa debit networks for which such transactions are allowed are NYCE and ACCEL/Exchange. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa Debit Card include signing a receipt, providing a debit card number over the phone or via the Internet or swiping the debit card through a point-of-sale terminal. Examples of the types of actions to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet or kiosk locations) responding to a refund logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you in instead of using a PIN. Please be advised that the amount credited terms and conditions of your agreement with us relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero- liability program) and the party originating streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. Types of Transactions Available and Limits on Transactions: You may use your Visa Debit Card to withdraw from or make deposits to your account, and perform such payment will not be considered to have paid the amount so credited. AMENDMENT OF FUNDS TRANSFER AGREEMENT – From other financial transaction as we may from time to time we permit during the business hours of any remote financial facility. You may amend any term of this agreement by giving you reasonable notice in writing. We may give notice to anyone who is authorized to send payment orders to us in your name, or to anyone who is authorized also pay for purchases at places that have agreed to accept serviceyour card (called Point-of-Sale Purchases (POS)). CANCELLATION OR AMENDMENT OF PAYMENT ORDER – You may cancel or amend a payment order you give us only if These POS purchases will be deducted from your account. CU24 Visa Debit Card Limitation on Frequency and Amount of Transactions: For the protection of our members, we receive the communication of cancelation or amendment before our cutoff time and in time to have a reasonable opportunity to act on it before we accept the payment order. The communication of cancellation or amendment must be presented in conformity with the same security procedures that have been agreed to for payment orders. INTERMEDIARIES – We are not liable for the actions of any intermediary, regardless of whether or not we selected the intermediary. We are not responsible for acts of God, outside agencies, or non-salaried agents. LIMIT ON LIABILITY – You waive any claim you may have against us for consequential or special damages, including loss of profit arising out of a payment order or funds transfer, unless this waiver is prohibited by law. We are not responsible for attorney fees you might incur due to erroneous execution of payment order. ERRONEOUS EXECUTION – If we receive an order to pay you, and we erroneously pay you more than limited the amount of each withdrawal from an account to Five Hundred Dollars ($500) per day at a remote banking facility or ATM. You may buy up to One Thousand Five Hundred Dollars ($1,500) worth of goods or services each day in our POS transfer service. Delays in Posting Transactions: Due to the payment order, we are entitled to recover from you the amount in excess nature of the amount ATM system, there may be delays between the time of any activity on your account(s) and the payment order, regardless time it is reflected on our records of whether you may have some claim your account(s). Charge for Originating Shares and Remote Banking Transaction: A transaction resulting in a withdrawal from your account using the CU24 Visa Debit Card or your PIN or other information which could provide electronic access to your account is considered the excess amount against same as any other type of transaction regarding our service charge formulas. The type of account determines if a fee will be assessed. All transaction fees will be deducted from your account. Please contact the originator of the orderCredit Union for current charges.

Notice of Credit. If we receive a payment order to credit an account you have with us, we are not required arranged to provide you with any notice of the payment order or the credit. PROVISIONAL CREDIT – You agree to be bound by the automated clearing house association operating rules that provide that payments have EFT deposits made to you or originated by you by funds transfer through the automated clearing house system are provisional until final settlement is made through a Federal Reserve Bank or otherwise payment is made as provided in Article 4A-403(a) of the Uniform Commercial Code. REFUND OF CREDIT – You agree that if we do not receive payment of an amount credited to your account, you can call us at (207) 000- 0000 to find out whether or not the deposit has been made. Summary of your right to stop payment and the procedure for doing so: If you have told us in advance to make regular payments out of your account, you may stop any of these. Simply call us at (000) 000-0000 or (000) 000-0000 or write to us at 00 Xxxxx Xxxxxx, Xxxxxxxxxx, XX 00000 or 00 Xxxx Xxxxxx, Xxxxxxx, XX 00000 in time for us to receive your request three (3) business days or more before the payment is scheduled to be made. If you call, we will request that you sign a form confirming this action. Forms are entitled available at the Credit Union or may be mailed to you. Your confirmation is required within three (3) business days of your call. You will be charged for each stop payment order given. Refer to the Rate and Fee Schedule for current fees. Stop payments are valid for the lesser of six (6) months for a one (1) time item, when the item has been stopped, or the stop payment order withdrawn. Stop payments for Recurring ACH withdrawals do not expire in six (6) months if the items are still occurring. If the stop payment has been done over the phone, the stop payment is only in effect for two (2) weeks. Please come in and sign the ACH Stop Payment form to extend the effective period. Circumstances under which we will disclose information to third parties about your account or the transfers you make:  When necessary for completing transfers  In order to verify the existence and condition of your account for a third party, such as a credit bureau or merchant  In order to comply with government agency or court orders  If you give us written permission  Where permitted under applicable law Cardholder Agreement You agree to the rules and regulations affecting the issuance of the CU24 Visa Debit Card provided by us for your convenience. Business/Commercial Members Are Prohibited from Engaging in Unlawful Internet Gambling under the Unlawful Internet Gambling Enforcement Act: Restricted transactions as defined in Federal Reserve Regulation GG are prohibited from being processed through this account or relationship. Restricted transactions generally include, but are not limited to, those in which credit, electronic fund transfers, checks or drafts are knowingly accepted by gambling businesses in connection with the participation by others in illegal and unlawful Internet gambling. Authorized Use: Only you are qualified to deposit or withdraw funds to or from your account(s) with the use of the Visa Debit Card at participating merchant or financial institution locations or remote facilities, and positive identification may be requested by the participating merchant or financial institution prior to any transaction. You agree that you will not use or allow anyone else to use your card or PIN for any transaction that is illegal under applicable federal, state or local law. You agree that you will not use or allow anyone else to use your card or PIN for any gambling transaction over the Internet or in person. In addition, you understand that the credit union will decline these transactions if attempted. Non-Visa PINless Debit Card Transactions: We allow non-Visa debit transaction processing. This means you may use your Visa Debit Card on a PIN-Debit Network (a non-Visa network) without using a PIN to authenticate your transactions. (Visa rules generally define a PIN-Debit Network as a non-Visa debit network that typically authenticates transactions by use of a personal identification number (PIN) but that is not generally known for having a card program.) The non-Visa debit networks for which such transactions are allowed are NYCE and ACCEL/Exchange. Examples of the types of actions that you may be required to make to initiate a Visa transaction on your Visa Debit Card include signing a receipt, providing a debit card number over the phone or via the Internet or swiping the debit card through a point-of-sale terminal. Examples of the types of actions to make to initiate a transaction on a PIN-Debit Network include initiating a payment directly with the xxxxxx (possibly via telephone, Internet or kiosk locations) responding to a refund logo displayed at a payment site and choosing to direct payment through that network, and having your identity verified using known information derived from an existing relationship with you in instead of through the amount credited use of a PIN. Please be advised that the terms and conditions of your agreement with us relating to Visa debit transactions do not apply to non-Visa debit transactions. For example, the additional limits on liability (sometimes referred to as Visa’s zero- liability program) and the party originating streamlined error resolution procedures offered on Visa debit card transactions are not applicable to transactions processed on a PIN-Debit Network. Types of Transactions Available and Limits on Transactions: You may use your Visa Debit Card to withdraw from or make deposits to your account, and perform such payment will not be considered to have paid the amount so credited. AMENDMENT OF FUNDS TRANSFER AGREEMENT – From other financial transaction as we may from time to time we permit during the business hours of any remote financial facility. You may amend any term of this agreement by giving you reasonable notice in writing. We may give notice to anyone who is authorized to send payment orders to us in your name, or to anyone who is authorized also pay for purchases at places that have agreed to accept serviceyour card (called Point-of-Sale Purchases (POS)). CANCELLATION OR AMENDMENT OF PAYMENT ORDER – You may cancel or amend a payment order you give us only if These POS purchases will be deducted from your account. CU24 Visa Debit Card Limitation on Frequency and Amount of Transactions: For the protection of our members, we receive the communication of cancelation or amendment before our cutoff time and in time to have a reasonable opportunity to act on it before we accept the payment order. The communication of cancellation or amendment must be presented in conformity with the same security procedures that have been agreed to for payment orders. INTERMEDIARIES – We are not liable for the actions of any intermediary, regardless of whether or not we selected the intermediary. We are not responsible for acts of God, outside agencies, or non-salaried agents. LIMIT ON LIABILITY – You waive any claim you may have against us for consequential or special damages, including loss of profit arising out of a payment order or funds transfer, unless this waiver is prohibited by law. We are not responsible for attorney fees you might incur due to erroneous execution of payment order. ERRONEOUS EXECUTION – If we receive an order to pay you, and we erroneously pay you more than limited the amount of each withdrawal from an account to Five Hundred Dollars ($500) per day at a remote banking facility or ATM. You may buy up to One Thousand Five Hundred Dollars ($1,500) worth of goods or services each day in our POS transfer service. Delays in Posting Transactions: Due to the payment order, we are entitled to recover from you the amount in excess nature of the amount ATM system, there may be delays between the time of any activity on your account(s) and the payment order, regardless time it is reflected on our records of whether you may have some claim your account(s). Charge for Originating Shares and Remote Banking Transaction: A transaction resulting in a withdrawal from your account using the CU24 Visa Debit Card or your PIN or other information which could provide electronic access to your account is considered the excess amount against same as any other type of transaction in regard to our service charge formulas. The type of account determines if and when a fee will be assessed. All transaction fees will be deducted from your account. Please contact the originator of the orderCredit Union for current charges.