Common use of Other Agreement Clause in Contracts

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista UFirst Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business dayin accordance with applicable law. We are not responsible for delays in deposit posting due to improper identification. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not to exceed $500.00 per business day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to make the following transactions: (a) transfer available funds between in Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with UsAccount. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not to exceed $760.00 500.00 per business day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . POS transactions may not to exceed $1,000.00 3,000.00 per business day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) if You have established two or more share draft Accounts, You may transfer funds between Your share and share draft Account(s)Accounts; and (b) You may make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . POS transactions may not to exceed $1,000.00 2,500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum aggregate total of ATM and POS transactions transactions, may not at any time exceed $1,760.00 3,000.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Camino Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft SmartCheck Checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 600.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between withdraw cash from Your share and share draft SmartCheck Checking Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft SmartCheck Checking Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 1,600.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista DayMet Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); (b) transfer funds between Your savings and checking Account(s); (c) make miscellaneous inquiries on Your savings and checking balances; and (d) take advances on Your Quick Cash Line of Credit. You may also use Your Card in conjunction with Your PIN, to purchase goods and services ("POS") at any business establishment where the Card is accepted. ATM withdrawals may not to exceed $500.00 1,000.00 per business calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. POS withdrawals may not exceed $1,000.00 per calendar day (savings, checking and line of credit combined), subject to make the following transactions: (a) transfer available funds between in Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with UsAccount. VISA DEBIT CARD MASTERCARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); (b) transfer funds between Your share savings and share draft checking Account(s); and (bc) make balance miscellaneous inquiries on Your share savings and share draft Account(schecking balances; and (d) with Ustake advances on Your Quick Cash Line of Credit. You may also use Your Card in conjunction with Your PIN PIN, to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 per business calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions withdrawals may not at any time exceed $1,760.00 1,500.00 per calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista American Broadcast Employees Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and and/or such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactionsdesignate to: (a) transfer funds between withdraw cash from Your designated share and share draft Account(s); and , not to exceed $1,000.00 per day (b) make balance inquiries on Your share and share draft Account(scombined), provided You have enough available funds in Your Account; (b) with Us. VISA DEBIT CARD TRANSACTIONS. You may use transfer funds between Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s)Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share and share draft and line of credit combined), subject to the provided You have enough available funds in Your Account. The sum If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of ATM Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD TRANSACTIONS. You may use Your Card and POS transactions PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and PIN to purchase goods and services ("POS") at any time business establishment where the Card is accepted, not to exceed $1,760.00 3,000.00 per day (share, share and share draft and line of credit combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Schools Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate. At the present time, You may use Your Card and PIN to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs to: (a) withdraw cash from Your share and such other machines or facilities as We may designate, share draft Account(s) not to exceed $500.00 per business day 505.00 [Direct Checking Accounts are limited to $220.00, while Minor Checking Accounts are limited to $200.00] during each 24 consecutive hour period (share, share draft and line of credit combined), subject to the ) provided You have available funds in Your Account, to make the following transactions: ; (ab) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks schedule recurring payments be assessed to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) Account with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day 2,505.00 [Direct Checking Accounts are limited to $500.00, while Minor Checking Accounts are limited to $110.00] during each 24 consecutive hour period (share, share draft and line of credit combined), subject to the ) provided You have available funds in Your share draft Account. The sum of ATM TOUCH TONE TELLER TRANSACTIONS. At the present time, You may use Touch Tone Teller in conjunction with Your Access Code and POS transactions may not at any time exceed $1,760.00 a touch tone telephone for the following services: (share, a) transfer funds between Your share and share draft Accounts; (b) make payments from Your share and share draft Accounts to Your loan accounts with Us; (c) make a check withdrawal from Your share and share draft Accounts; (d) make advances on Your line of credit combined)with Us; and (e) obtain balance, deposit, withdrawal and transaction information on Your credit accounts and deposit Accounts with Us. Touch Tone Teller operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please try again later when service is restored.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Camino Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Elite Checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 600.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between withdraw cash from Your share and share draft Elite Checking Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Elite Checking Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 1,600.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Dakota Plains Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to to: (a) deposit cash and checks to Your Account(s) (except that deposits may not be made at ATMs we own or operate); (b) withdraw cash from Your primary share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: Account (aprimary share and share draft combined); (c) transfer funds between Your primary share and share draft Account(s); (d) obtain advances on Your line of credit account with Us; and (be) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your primary share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 Account (primary share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Foothill Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) make deposits to Your share and share draft Account(s); (c) transfer funds between Your share and share draft Account(s); and (bd) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 500.00 per business calendar day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 1,000.00 per calendar day (share, share draft and line of credit combined), subject to the available funds in Your Account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Horizon Utah Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate up to a maximum (share, to deposit cash line of credit and checks share draft combined) of $300.00 per day, provided You have enough available funds in Your Account. At the present time, You may use Your Card and Your PIN for: (a) Withdrawals from Your share and share draft Accounts; (b) Transfers of funds between share and share draft Accounts; (c) Deposit of funds to Your share and share draft Account(s)Accounts; (d) Advances from Your line of credit; and (e) Balance inquiries about Your share and share draft Accounts. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the provided You have enough available funds in Your Account. The sum For security reasons, there are limits on the number of ATM and POS transactions that will be processed each day. VISA DEBIT CARD TRANSACTIONS. You may not at use Your Card and PIN in any time exceed $1,760.00 of Our network of ATMs and such other machines or facilities as We may designate up to a maximum (share, share draft and line of credit and share draft combined)) of $300.00 per day, provided You have enough available funds in Your Account. At the present time, You may use Your Card and Your PIN for: (a) Withdrawals from Your share and share draft Accounts; (b) Transfers of funds between share and share draft Accounts; (c) Deposit of funds to Your share and share draft Accounts; (d) Advances from Your line of credit; and (e) Balance inquiries about Your share and share draft Accounts. You may also use Your Card to purchase goods and services ("POS") at any business establishment where the Card is accepted, provided You have enough available funds in Your Account. For security reasons, there are limits on the number of POS transactions that will be processed each day. CU*TALK TRANSACTIONS. You may use Our CU*Talk Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of transactions on designated accounts: (a) Transfer funds between Your share and share draft Accounts; (b) Make payments on designated loans with Us; (c) Advances from Your line of credit; and (d) Obtain information related to Your Accounts. The system operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please call back later when service is restored.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista OneAZ Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) make deposits to Your share and share draft Account(s); (c) transfer funds between Your loan accounts, share and share draft Account(s); and (bd) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 500.00 per business calendar day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 5,000.00 per calendar day (share, share draft and line of credit combined), subject to the available funds in Your Account. Total transactions cannot, in any event, exceed $5,500.00 per calendar day (ATM and POS combined), subject to the available funds in Your Account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Zia Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 510.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us, and any other Account You designate. At the present time, You may also use Your Card in conjunction with Your PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 Account (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista OneAZ Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) make deposits to Your share and share draft Account(s); (c) transfer funds between Your loan accounts, share and share draft Account(s); and (bd) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 600.00 per business calendar day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 5,000.00 per calendar day (share, share draft and line of credit combined), subject to the available funds in Your Account. Total transactions cannot, in any event, exceed $5,500.00 per calendar day (ATM and POS combined), subject to the available funds in Your Account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Buckeye State Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00, or $100.00 cash back from a deposit made at an ATM, per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your share, share draft, and other Accounts that You have with Us; (b) transfer funds between Your share, share draft, and other Accounts that You have with Us; and (c) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, subject to the available funds in Your Account. MASTERMONEY CHECK CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between withdraw cash from Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft draft, and line of credit combined), subject to the available funds in Your Account, to make the following transactions: other Accounts that You have with Us; (ab) transfer funds between Your share, share draft, and share draft Account(s)other Accounts that You have with Us; and (bc) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 2,500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identification. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between withdraw cash from Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 500.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Resource One Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (c) make balance inquiries on Your share and share draft Account(s) with Us. Withdrawals and transfers may not to exceed $760.00 1,200.00 per business day 24- hour period and $500.00 per transaction (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined)10,000.00 per 24-hour period.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Beacon Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card to purchase goods and services (“POS”) at any business establishment where the Card is accepted. At the present time, You may use Your Card and Your PIN for: (a) Withdrawals at designated locations from Your share and share draft Accounts up to a maximum (share and share draft combined) of $500.00 per day for ATM transactions, provided You have enough available funds in conjunction with Your Account; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. VISA CHECK CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted. At the present time, not to exceed $1,000.00 per business day You may use Your Card and Your PIN for: (share, a) Withdrawals at designated locations from Your share and share draft Accounts up to a maximum (share and line share draft combined) of credit combined)$500.00 per day for ATM transactions, subject to the provided You have enough available funds in Your Account; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. The sum PERSONAL ACCOUNT LINE TRANSACTIONS. You may use Our Personal Account Line Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of ATM transactions on designated accounts: (a) Transfer funds between Your share and POS transactions may not at any time exceed $1,760.00 share draft Accounts; (b) Make loan payments from Your share and share draft Accounts; (c) Obtain information related to Your share, share draft draft, and line of credit combined).Accounts; and (d) Miscellaneous inquiries on Credit Union services that affect Your Account. The system operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please call back later when service is restored. PC BRANCH TRANSACTIONS. You may use Our PC Branch system in conjunction with Your PIN and/or Access Code via a personal computer to make the following types of transactions on designated accounts: (a) Transfer funds between Your share and share draft Accounts; (b) Make loan payments from Your share and share draft Accounts; (c) Obtain information related to Your share, share draft, and line of credit Accounts; (d) Miscellaneous inquiries on Credit Union services that affect Your Account;

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Credit Union ARKANSAS FEDERAL locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to deposit cash and checks to make the following transactions: (a) Withdrawals from Your share and share draft Account(s)Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. You ATM withdrawals may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. For security reasons, to there are limits on the number of transfers You can make the following transactions: (a) transfer funds between from Your share and share draft Account(s); and (b) make balance inquiries on Share Account using Your share and share draft Account(s) with UsCard. VISA MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to deposit cash and checks to make the following transactions: (a) Withdrawals from Your share and share draft Account(sAccounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. ATM withdrawals may not exceed $1,000.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account. For security reasons, there are limits on the number of transfers You can make from Your Share Account using Your Card. You may also use Your Card in conjunction with Your PIN or signature to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions in any of Our network of ATMs and such other machines or facilities as We conjunction with Your PIN may designate, not to exceed $760.00 2,500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card whereas POS transactions in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, signature may not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Pioneer Valley Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA ATM/DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 2,010.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us, and any other Account You designate. At the present time, You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 5,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays Sundays, and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista LibertyOne Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA CHECK CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 400.00 per business day (share, share draft draft, and line of credit combined), subject to the available funds in Your Account. At the present time, to make the following transactionsYou may use Your Card in conjunction with Your PIN to: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 1,500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays Sundays, and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Xxxxxx First Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, withdraw cash from Your share and share draft and line of credit combined)Accounts that You have with Us, subject to the available funds in Your Account. In addition, to make the following transactions: (a) You may transfer funds between Your share and share draft Account(s); Accounts that You have with Us, and (b) make balance miscellaneous inquiries on Your share and share draft Account(s) Accounts with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed the available funds in Your Account (share, share draft, and line of credit combined). VISA DEBIT CHECK CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share, share draft, and share draft money market Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (withdraw cash from Your share, share draft draft, and line of credit combined)money market Accounts that You have with Us, subject to the available funds in Your Account. In addition, to make the following transactions: (a) You may transfer funds between Your share, share draft, and share draft Account(s); money market Accounts that You have with Us, and (b) make balance miscellaneous inquiries on Your share and share draft Account(s) Accounts with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 Account (share, share draft draft, and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Henrico Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft savings Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate to make the following transactions: (a) withdraw cash from Your savings Account(s); and (b) make miscellaneous inquiries on Your savings Account balances. You may also use Your Card in conjunction with Your PIN, to purchase goods and services ("POS") at any business establishment where the Card is accepted. ATM withdrawals may not to exceed $500.00 per business calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. POS withdrawals may not exceed $750.00 per calendar day (savings, checking and line of credit combined), subject to make the following transactions: available funds in Your Account. Purchases may not exceed $3,500.00 per calendar day (asavings, checking and line of credit combined), subject to the available funds in Your Account. ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CHECK CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) transfer funds between withdraw cash from Your share savings and share draft checking Account(s); and (b) make balance miscellaneous inquiries on Your share savings and share draft Account(s) with Uschecking Account balances. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 500.00 per business calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions withdrawals may not at any time exceed $1,760.00 750.00 per calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. Purchases may not exceed $3,500.00 per calendar day (savings, checking and line of credit combined), subject to the available funds in Your Account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Monroe County Community Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate. At the present time, You may use Your Card and Your PIN to deposit cash and checks make deposits to Your share savings and share draft Account(s)checking Accounts. You may also use Your Card and Your PIN for: (a) Withdrawals from Your savings or checking Accounts up to a maximum (savings, line of credit and checking combined) of $375.00 per day - at Your option as low as $50.00 per day, provided You have enough available funds in conjunction with Your Account; (b) Transfers of funds between Your savings and checking Accounts; and (c) Balance inquiries about Your savings and checking Accounts. You may also use Your Card to purchase goods and services ("POS") at any business establishment where the Card is accepted up to a maximum (savings, line of credit and checking combined) of $1,000.00 per day, provided You have enough available funds in Your Account. MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate. At the present time, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with and Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks make deposits to Your share savings and share draft Account(s)checking Accounts. You may also use Your Card in conjunction with and Your PIN in any of Our network of ATMs and such other machines for: (a) Withdrawals from Your savings or facilities as We may designatechecking Accounts up to a maximum (savings, not to exceed $760.00 per business day (share, share draft and line of credit and checking combined)) of $375.00 per day - at Your option as low as $50.00 per day, subject to the provided You have enough available funds in Your Account, to make the following transactions: ; (ab) transfer Transfers of funds between Your share savings and share draft Account(s)checking Accounts; and (bc) make balance Balance inquiries on about Your share savings and share draft Account(s) with Uschecking Accounts. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is acceptedaccepted up to a maximum (savings, not to exceed line of credit and checking combined) of $1,000.00 per business day (shareday, share draft and line of credit combined), subject to the provided You have enough available funds in Your Account. The sum For security reasons there are daily limits on the number of ATM and POS transactions that may not at any time exceed $1,760.00 be made. CU*TALK TRANSACTIONS. You may use Our CU*Talk Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of transactions on designated accounts: (sharea) Transfer funds between Your savings, share draft checking, and line of credit combined)Accounts; (b) Verify Your savings and checking Account balances; (c) Transfer funds to another member's account at the Credit Union; (d) Verify Your savings and checking Account balances; and (d) Miscellaneous inquiries on Credit Union services that affect Your Account. The system operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please call back later when service is restored.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and federal holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Industrial Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES IFCU ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and and/or such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactionsdesignate to: (a) transfer funds between withdraw cash from Your designated share and share draft Account(s); and , not to exceed $259.00 per day (b) make balance inquiries on Your share and share draft Account(scombined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; and (c) learn the balances in Your designated share and share draft Accounts that You have with Us. For security reasons there are limits on the number of transactions that may be processed each day. IFCU VISA DEBIT CHECK CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(sdraftAccount(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and and/or such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactionsdesignate to: (a) transfer funds between withdraw cash from Your designated share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 509.00 per business day (share, share and share draft and line of credit combined), subject to the provided You have enough available funds in Your Account. The sum of ATM ; (b) transfer funds between Your designated share and POS transactions may not at any time exceed $1,760.00 (share, share draft Accounts; (c) learn the balances in Your designated share and line of credit combined).share draft Accounts that You have with Us; and

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Ardent Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); (b) transfer funds between Your savings and checking Account(s); (c) make miscellaneous inquiries on Your savings and checking balances; and (d) take advances on Your Quick Cash Line of Credit. You may also use Your Card in conjunction with Your PIN, to purchase goods and services ("POS") at any business establishment where the Card is accepted. ATM withdrawals may not to exceed $500.00 1,000.00 per business calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. POS withdrawals may not exceed $1,000.00 per calendar day (savings, checking and line of credit combined), subject to make the following transactions: (a) transfer available funds between in Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with UsAccount. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); (b) transfer funds between Your share savings and share draft checking Account(s); and (bc) make balance miscellaneous inquiries on Your share savings and share draft Account(schecking balances; and (d) with Ustake advances on Your Quick Cash Line of Credit. You may also use Your Card in conjunction with Your PIN PIN, to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 2,500.00 per business calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions withdrawals may not at any time exceed $1,760.00 2,500.00 per calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista WyHy Federal Credit Union locations may ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card to purchase goods and services (“POS”) at any business establishment where the Card is accepted. At the present time, You may use Your Card and Your PIN for: (a) Withdrawals at designated locations from Your share, share draft and line of credit Accounts up to a maximum (share, line of credit and share draft combined) of $300.00 per day, provided You have enough available funds in conjunction with Your Account; and (b) Deposits to Your share and share draft Accounts. VISA DEBIT CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted. At the present time, not to exceed $1,000.00 per business day You may use Your Card and Your PIN for: (a) Withdrawals at designated locations from Your share, share draft and line of credit Accounts up to a maximum (share, line of credit and share draft combined)) of $300.00 per day, subject to the provided You have enough available funds in Your Account. The sum of ATM ; and POS transactions may not at any time exceed $1,760.00 (share, b) Deposits to Your share and share draft and line of credit combined)Accounts.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista VALEX Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA CHECK CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) make deposits to Your share and share draft Account(s); (c) transfer funds between Your loan accounts, share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (bd) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 310.00 per business calendar day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 1,500.00 per calendar day (share, share draft and line of credit combined)., subject to the available funds in Your Account. AUDIO RESPONSE TRANSACTIONS. You may use Audio Response in conjunction with Your Access Code and a touch tone telephone for the following services: (a) transfer funds between Your share, and share draft Accounts; (b) make payments on Credit Union loans You have with Us; (c) make a check withdrawal from Your share, and share draft Accounts; and (d) make miscellaneous inquiries on Your Credit Union deposit and loan balances, deposits, withdrawals and transactional information. Audio Response operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please try again later when service is restored. VIRTUAL BANKING TRANSACTIONS. You may use Virtual Banking in conjunction with Your Access Code, an internet connection and a personal computer for the following services: (a) transfer funds between Your share, and share draft Accounts; (b) make payments on Credit Union loans You have with Us;

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Red Rocks Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day the available funds in Your Account (shareprimary savings, share draft checking and line of credit combined). At the present time, subject to the available funds You may use Your Card in conjunction with Your Account, to make the following transactionsPIN to: (a) make deposits to Your primary savings and checking Account(s); (b) withdraw cash from Your primary savings and checking Account(s) up to a maximum (primary savings and checking combined) of $300.00 per day; (c) transfer funds between Your share primary savings and share draft checking Account(s); (d) obtain advances on Your line of credit account with Us; and (be) make balance inquiries on Your share primary savings and share draft checking Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day the available funds in Your Account (shareprimary savings, share draft checking and line of credit combined). At the present time, subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to: (a) make deposits to purchase goods Your primary savings and services checking Account(s); ("POS"b) at any business establishment where the Card is accepted, not withdraw cash from Your primary savings and checking Account(s) up to exceed a maximum (primary savings and checking combined) of $1,000.00 300.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).day;

Other Agreement. If electronic fund funds transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista One Detroit Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash designate and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not up to exceed a maximum (share, line of credit and share draft combined) of $1,000.00 800.00 per business day (at Your option as low as $50.00 per day), provided You have enough available funds in Your Account. At the present time, You may use Your Card and Your PIN for: (a) Withdrawals at designated locations from Your share and share draft Accounts; (b) Transfers of funds between Your share, share draft and line of credit Accounts; (c) Deposit of funds to Your share and share draft Accounts; and (d) Balance inquiries about Your share and share draft Accounts. MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate and to purchase goods and services ("POS") at any business establishment where the Card is accepted, up to a maximum (share, line of credit and share draft combined) of $800.00 per day for ATM withdrawals and $3,000.00 per day for POS withdrawals (at Your option as low as $50.00 per day), subject to the provided You have enough available funds in Your Account. The sum At the present time, You may use Your Card and Your PIN for: (a) Withdrawals at designated locations from Your share and share draft Accounts; (b) Transfers of ATM and POS transactions may not at any time exceed $1,760.00 (funds between Your share, share draft and line of credit combined)Accounts; (c) Deposit of funds to Your share and share draft Accounts; and (d) Balance inquiries about Your share and share draft Accounts. TELEVOICE TRANSACTIONS. You may use Our Televoice Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of transactions on designated accounts: (a) Transfer funds between share, share draft, and line of credit Accounts; (b) Make check withdrawals from Your share Accounts; (c) Make payments on Your loans with Us; (d) Obtain information related to Your Accounts; and (e) Make balance, loan and miscellaneous inquiries on Credit Union services that affect Your Account. The system operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please call back later when service is restored. ONE2GO TRANSACTIONS. You may use Our One2Go System in conjunction with Your PIN and/or Access Code via a personal computer or internet enabled smartphone and/or mobile computing device (e.g. tablet) to make the following types of transactions on designated accounts: (a) Transfer funds between Your designated Accounts; (b) Make payments on Your loans with Us; (c) Obtain information related to Your share and share draft Accounts; and (d) Make balance, loan and miscellaneous inquiries on Credit Union services that affect Your Account. At the present time, You may also use Our One2Go System to access the online bill payment service in conjunction with Your PIN and/or Access Code via a personal computer for the following services: (a) authorize the Credit Union to issue payments on Your behalf, except to the extent that such payments are for governmental agencies, state and local taxing authorities, court-ordered payment and/or addresses outside the United States of America; and (b) check status of payments previously authorized through the online bill payment service. In order to use the online bill payment service for such transactions, You must have a share draft Account with Us. By completing an online bill payment transaction using the online bill payment service, You authorize Us to post any such payments to Your share draft Account. Online bill payment service payments will be made by check or electronic transfer and may take as long as six business days from the date requested to be sent to the payee. The Credit Union cannot guarantee the time any payment will reach any of Your payees and accepts no liability for any service fees or late charges levied against You.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Space Age Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share share, checking, and share draft money market Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate to make the following transactions: (a) withdraw cash from Your share, checking, and money market Account(s); (b) transfer funds between Your share and checking Account(s); and (c) make balance inquiries on Your share and checking Account(s) with Us. You may also use Your Card in conjunction with Your PIN or Signature to purchase goods and services ("POS") at any business establishment where the Card is accepted. ATM withdrawals may not to exceed $500.00 200.00 per business calendar day (share, share draft checking and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CHECK CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share share, checking, and share draft money market Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw cash from Your share and checking Account(s); (b) transfer funds between Your share and share draft checking Account(s); (c) take advances on Your lines of credit with Us; and (bd) make balance inquiries on Your share and share draft checking Account(s) with Us. You may also use Your Card in conjunction with Your PIN or Signature to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 200.00 per business calendar day (share, share draft checking and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined)the available funds in Your Account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Credit Union of the Rockies locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 505.00 per business day (share, share draft and line of credit combined), subject to the ) provided there are available funds in Your Account. At the present time, to make the following transactionsYou may use Your Card in conjunction with Your PIN to: (a) make deposits to Your share and share draft Account(s); (b) withdraw cash from Your share and share draft Account(s); (c) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (bd) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted, not to exceed $1,000.00 1,500.00 per business day (share, share draft and line of credit combined), subject to the ) provided there are available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Credit Union AFCU locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) Withdrawals from Your share and share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. ATM withdrawals may not to exceed $500.00 1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. For security reasons, to there are limits on the number of transfers You can make the following transactions: (a) transfer funds between from Your share and share draft Account(s); and (b) make balance inquiries on Share Account using Your share and share draft Account(s) with UsCard. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) Withdrawals from Your share and share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. ATM withdrawals may not to exceed $760.00 1,000.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account. For security reasons, there are limits on the number of transfers You can make from Your Share Account using Your Card. You may also use Your Card in conjunction with Your PIN or signature to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions in conjunction with Your PIN may not exceed $2,500.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card whereas POS transactions in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, signature may not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to ) the available funds in Your Account. The sum TOUCH TONE TELLER TRANSACTIONS. You may use Our Touch Tone Teller Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of ATM and POS transactions may not at any time exceed $1,760.00 on designated accounts: (a) Transfer funds between share, share draft, and money market Accounts; (b) Make withdrawals from Your share, share draft, and money market Accounts; (c) Make payments on Your loans with Us; (d) Obtain information related to Your Accounts; and (e) Make balance, loan and miscellaneous inquiries on Credit Union services that affect Your Account. The system operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please call back later when service is restored. ONLINE ACCOUNT ACCESS TRANSACTIONS. You may use Our Online Account Access System in conjunction with Your PIN and/or Access Code via a personal computer to make the following types of transactions on designated accounts: (a) Transfer funds between share, share draft, and money market Accounts; (b) Make withdrawals from Your share, share draft, and money market Accounts; (c) Make payments on Your loans with Us; (d) Obtain information related to Your Accounts; and (e) Make balance, loan and miscellaneous inquiries on Credit Union services that affect Your Account. INTERNET BILL PAYMENT TRANSACTIONS. You may use Our Internet Bill Payment System in conjunction with Your PIN and/or Access Code via a personal computer for the following services: (a) authorize the Credit Union to issue payments on Your behalf, except to the extent that such payments are for governmental agencies, state and local taxing authorities, court-ordered payment and/or addresses outside the United States of America; (b) check status of payments previously authorized through the Internet Bill Payment System; (c) order copies of cancelled checks issued through the Internet Bill Payment System; (d) order copies of ACH confirmations issued through the Internet Bill Payment System; and (e) place stop payment requests on payments previously authorized through the Internet Bill Payment System. In order to use the Internet Bill Payment System for such transactions, You must have a share draft Account with Us. By completing an online bill payment transaction using the Internet Bill Payment System, You authorize Us to post any such payments to Your share draft Account. Online Bill Payment service payments will be made by check or electronic transfer and line may take as long as six business days from the date requested to be sent to the payee. The Credit Union cannot guarantee the time any payment will reach any of credit combined)Your payees and accepts no liability for any service fees or late charges levied against You.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista University Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not to exceed $500.00 per business day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to make the following transactions: (a) transfer available funds between in Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with UsAccount. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not to exceed $760.00 500.00 per business day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . POS transactions may not to exceed $1,000.00 3,000.00 per business day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista SAC Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA AND DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and and/or such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactionsdesignate to: (a) make deposits to Your Share or Share Draft Account(s); (b) withdraw cash from Your Share or Share Draft Account(s); (c) transfer funds between Your share Share and share draft Account(s)Share Draft Accounts; and (bd) make balance inquiries on learn the balances in Your share and share draft Account(s) deposit Accounts that You have with Us. You may also use Your Card in conjunction with to make Point of Sale (POS) withdrawals from Your PIN Share Draft Account and to purchase goods and services ("POS") at any business establishment location where the Card is accepted. If You do use Your Card for such transactions, not You authorize Us to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject withdraw funds up to the available funds in balance of Your Account. The sum of ATM and POS transactions may not at Account(s) to cover any time exceed $1,760.00 (sharesuch transactions, share draft and line of credit combined)provided You have available funds.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Community Financial Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. Except for Fresh Start Checking Accounts, You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) withdraw available cash from Your savings and checking Account(s); (b) transfer available funds between Your savings and checking Account(s); (c) take advances on Your line of credit with Us and have the amount deposited into Your savings and checking Account(s); (d) make payments on Your Credit Union loans from Your savings and checking Account(s); and (e) make balance inquiries on Your savings and checking Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. ATM withdrawals may not to exceed $500.00 700.00 per business calendar day. At Your option, limits can be set as low as $50.00 per day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. POS withdrawals may not exceed the available funds in Your Account. At Your option, to make the following transactions: limits can be set as low as $50.00 per day (a) transfer funds between Your share savings, checking and share draft Account(sline of credit combined); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw available cash from Your savings and checking Account(s); (b) transfer available funds between Your share savings and share draft checking Account(s); (c) take advances on Your line of credit with Us and have the amount deposited into Your savings and checking Account(s); (d) make payments on Your Credit Union loans from Your savings and checking Account(s); and (be) make balance inquiries on Your share savings and share draft checking Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 700.00 per business calendar day. At Your option, limits can be set as low as $50.00 per day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions withdrawals may not at any time exceed the available funds in Your Account. At Your option, limits can be set as low as $1,760.00 50.00 per day (sharesavings, share draft checking and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Credit Union ARKANSAS FEDERAL locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) Withdrawals from Your share and share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. ATM withdrawals may not to exceed $500.00 1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. For security reasons, to there are limits on the number of transfers You can make the following transactions: (a) transfer funds between from Your share and share draft Account(s); and (b) make balance inquiries on Share Account using Your share and share draft Account(s) with UsCard. VISA MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) Withdrawals from Your share and share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. ATM withdrawals may not to exceed $760.00 1,000.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account. For security reasons, there are limits on the number of transfers You can make from Your Share Account using Your Card. You may also use Your Card in conjunction with Your PIN or signature to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions in conjunction with Your PIN may not exceed $2,500.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card whereas POS transactions in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, signature may not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum TOUCH TONE TELLER TRANSACTIONS. You may use Our Touch Tone Teller Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of ATM and POS transactions may not at any time exceed $1,760.00 on designated accounts: (a) Transfer funds between share, share draft draft, and line money market Accounts; (b) Make withdrawals from Your share, share draft, and money market Accounts; (c) Make payments on Your loans with Us; (d) Obtain information related to Your Accounts; and (e) Make balance, loan and miscellaneous inquiries on Credit Union services that affect Your Account. The system operates 24 hours every day. If You attempt to use the system and are told that "the system is not available," please call back later when service is restored. ONLINE ACCOUNT ACCESS TRANSACTIONS. You may use Our Online Account Access System in conjunction with Your PIN and/or Access Code via a personal computer to make the following types of credit combined).transactions on designated accounts: (a) Transfer funds between share, share draft, and money market Accounts; (b) Make withdrawals from Your share, share draft, and money market Accounts; (c) Make payments on Your loans with Us; (d) Obtain information related to Your Accounts; and (e) Make balance, loan and miscellaneous inquiries on Credit Union services that affect Your Account. INTERNET BILL PAYMENT TRANSACTIONS. You may use Our Internet Bill Payment System in conjunction with Your PIN and/or Access Code via a personal computer for the following services: (a) authorize the Credit Union to issue payments on Your behalf, except to the extent that such payments are for governmental agencies, state and local taxing authorities, court-ordered payment and/or addresses outside the United States of America; (b) check status of payments previously authorized through the Internet Bill Payment System; (c) order copies of cancelled checks issued through the Internet Bill Payment System;

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Capital Communications Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate. At the present time, You may use Your Card and PIN to deposit cash and checks to Your share and share draft Account(s), not to exceed two such deposits per day. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs to: (a) wi thdraw cash from Your share and such other machines or facilities as We may designate, share draft Account(s) not to exceed $500.00 810.00 per business day (share, share draft draft, and line of credit combined), subject to the provided there are available funds in Your Account, to make the following transactions: ; (ab) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on inquire about Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(sAccount balance(s) with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 share draft Account (share, share draft draft, and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista CP Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) transfer funds between withdraw cash from Your share and share draft Account(s); and (b) make balance inquiries on transfer funds between Your share and share draft Account(s). ATM withdrawals may not exceed (share, share draft and line of credit combined) $500.00 per day (at Your option as low as $50.00 per day), subject to the available funds in Your Account. ATM transfers may not exceed (share, share draft and line of credit combined) $5,000.00 per day (at Your option as low as $50.00 per day), subject to the available funds in Your Account. You may also use Your Card in conjunction with UsYour PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. VISA POS transactions may not exceed (share, share draft and line of credit combined) $500.00 per day (at Your option as low as $50.00 per day), subject to the available funds in Your Account. MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) transfer funds between withdraw cash from Your share and share draft Account(s); and (b) make balance inquiries on transfer funds between Your share and share draft Account(s). ATM withdrawals may not exceed (share, share draft and line of credit combined) with Us$500.00 per day (at Your option as low as $50.00 per day), subject to the available funds in Your Account. ATM transfers may not exceed (share, share draft and line of credit combined) $5,000.00 per day (at Your option as low as $50.00 per day), subject to the available funds in Your Account. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . POS transactions may not to exceed $1,000.00 per business day (share, share draft and line of credit combined) $5,000.00 per day (at Your option as low as $50.00 per day), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Latah Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 400.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us, and any other Account You designate. At the present time, You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 2,500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista American Broadcast Employees Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ABEFCU ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and and/or such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactionsdesignate to: (a) transfer funds between withdraw cash from Your designated share and share draft Account(s); and , not to exceed $1,000.00 per day (b) make balance inquiries on Your share and share draft Account(scombined), provided You have enough available funds in Your Account; (b) with Us. VISA DEBIT CARD TRANSACTIONS. You may use transfer funds between Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s)Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share and share draft and line of credit combined), subject to the provided You have enough available funds in Your Account. The sum If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of ATM Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day. ABEFCU DEBIT MASTERCARD TRANSACTIONS. You may use Your Card and POS transactions PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your designated share and share draft Account(s). At the present time, You may also use Your Card in conjunction ELECTRONIC SERVICES AGREEMENT AND DISCLOSURE (continued) with Your PIN in ATMs and/or such other machines or facilities as We may designate to: (a) withdraw cash from Your designated share and share draft Account(s), not to exceed $1,000.00 per day (share and share draft combined), provided You have enough available funds in Your Account; (b) transfer funds between Your designated share and share draft Accounts; (c) learn the balances in Your designated share and share draft Accounts that You have with Us; and (d) make payments to preauthorized creditors. You may also use Your Card and PIN to purchase goods and services ("POS") at any time business establishment where the Card is accepted, not to exceed $1,760.00 3,000.00 per day (share, share and share draft and line of credit combined), provided You have enough available funds in Your Account. If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may be processed each day.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Capital Communications Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate. At the present time, You may use Your Card and PIN to deposit cash and checks to Your share and share draft Account(s), not to exceed two such deposits per day. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs to: (a) withdraw cash from Your share and such other machines or facilities as We may designate, share draft Account(s) not to exceed $500.00 810.00 per business day (share, share draft draft, and line of credit combined), subject to the provided there are available funds in Your Account, to make the following transactions: ; (ab) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on inquire about Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(sAccount balance(s) with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 share draft Account (share, share draft draft, and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista University Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business dayin accordance with applicable law. We are not responsible for delays in deposit posting due to improper identification. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not to exceed $500.00 per business day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may not exceed $3,000.00 per day (savings, checking and line of credit combined), subject to make the following transactions: (a) transfer available funds between in Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with UsAccount. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); and (b) transfer funds between Your savings and checking Account(s). ATM withdrawals may not to exceed $760.00 500.00 per business day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . POS transactions may not to exceed $1,000.00 3,000.00 per business day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Family Financial Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN or Signature to purchase goods and services in point-of-sale ("POS") transactions at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line . For security reasons there are limits on the number of credit combined), subject transactions that may be processed each day. Subject to the available funds in Your Account, ATM withdrawals may not exceed an aggregate daily limit that We will disclose to You separately prior to the time the first Electronic Fund Transfer is made (at Your option, You may establish a limit that is as low as $50.00 per day). The sum of ATM and Subject to the available funds in Your Account, POS transactions may not exceed an aggregate daily limit that We will disclose to You separately prior to the time the first Electronic Fund Transfer is made (at any time exceed Your option, You may establish a limit that is as low as $1,760.00 (share, share draft and line of credit combined50.00 per day).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Monroe County Community Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate. At the present time, You may use Your Card and Your PIN to deposit cash and checks make deposits to Your share savings and share draft Account(s)checking Accounts. You may also use Your Card and Your PIN for: (a) Withdrawals from Your savings or checking Accounts up to a maximum (savings, line of credit and checking combined) of $375.00 per day - at Your option as low as $50.00 per day, provided You have enough available funds in conjunction with Your Account; (b) Transfers of funds between Your savings and checking Accounts; and (c) Balance inquiries about Your savings and checking Accounts. MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate. At the present time, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with and Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks make deposits to Your share savings and share draft Account(s)checking Accounts. You may also use Your Card in conjunction with and Your PIN in any of Our network of ATMs and such other machines for: (a) Withdrawals from Your savings or facilities as We may designatechecking Accounts up to a maximum (savings, not to exceed $760.00 per business day (share, share draft and line of credit and checking combined)) of $375.00 per day - at Your option as low as $50.00 per day, subject to the provided You have enough available funds in Your Account, to make the following transactions: ; (ab) transfer Transfers of funds between Your share savings and share draft Account(s)checking Accounts; and (bc) make balance Balance inquiries on about Your share savings and share draft Account(s) with Uschecking Accounts. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is acceptedaccepted up to a maximum (savings, not to exceed line of credit and checking combined) of $1,000.00 per business day (shareday, share draft and line of credit combined), subject to the provided You have enough available funds in Your Account. The sum For security reasons there are daily limits on the number of ATM and POS transactions that may not at any time exceed $1,760.00 (share, share draft and line of credit combined)be made.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Police and Fire Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES PFFCU ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us, and any other Account You designate. VISA At the present time, You may also use Your Card in conjunction with Your PIN to purchase goods and services (“POS”) at any business establishment where the Card is accepted, not to exceed $3,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. PFFCU DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us, and any other Account You designate. At the present time, You may also use Your Card in conjunction with Your PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted, not to exceed $1,000.00 3,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Credit Union locations may not be posted to Your Account account until they are received and verified by Us. All items deposited items at ATMs located within 50 feet of a staffed facility are removed from machines each business day. All items deposited at ATMs not located within 50 feet of a staffed facility are removed from machines at least once but not more than twice each week, and are considered deposited on the day on which the deposit is removed from such machine and is available for processing by the Credit Union. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to deposit cash and checks to Your share and share draft Account(saccount(s). You may also use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate to make withdrawals, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Accountaccount. At the present time, to make the following transactionsYou may use Your Card in conjunction with Your PIN to: (a) withdraw cash from Your share and share draft account(s); (b) transfer funds between Your share and share draft Account(saccount(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(saccount(s) with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 3,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Accountaccount. The sum VISA DEBIT CARD TRANSACTIONS. You may use Your Card and PIN in any of ATM Our network of ATMs and POS transactions such other machines or facilities as We may designate to deposit cash and checks to Your share and share draft account(s). You may also use Your Card and PIN in any of Our network of ATMs and such other machines or facilities as We may designate to make withdrawals, not at any time to exceed $1,760.00 500.00 per day (share, share draft and line of credit combined), subject to the available funds in Your account. At the present time, You may use Your Card in conjunction with Your PIN to: (a) withdraw cash from Your share and share draft account(s); (b) transfer funds between Your share and share draft account(s); and (c) make balance inquiries on Your share and share draft account(s) with Us. You may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $3,000.00 per day (share, share draft and line of credit combined), subject to the available funds in Your account. You may also use Your Card with Signature to purchase goods and services at any business establishment where the Card is accepted, not to exceed $5,000.00 per day (share, share draft and line of credit combined), subject to the available funds in Your account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICEFOREIGN TRANSACTIONS. Subject to Our Delayed Funds Availability PolicyFor transactions initiated in foreign countries and foreign currencies, deposits made at Alta Vista Credit Union locations the exchange rate between the transaction currency and the billing currency (U.S. Dollars) will be: (a) a rate selected by VISA from the range of rates available in wholesale currency markets for the applicable central processing date, which rate may not vary from the rate VISA itself receives; or (b) the government-mandated rate in effect for the applicable central processing date. The exchange rate used in processing such transaction may differ from the rate that was in effect on the transaction or posting date. For transactions that are initiated in a foreign currency, You will be posted to Your Account until they are received charged 1.00% of the final settlement amount. For transactions occurring in foreign countries and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays initiated in deposit posting due to improper identification. See Our Funds Availability Policy Disclosure for Our policy regarding U.S. Dollars, You will be charged 1.00% of the availability of Your depositsfinal settlement amount. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designatewithin the PLUS, PULSE and NYCE networks, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 200.00 per business day (share, share draft for those withdrawals occurring in Mexico and line $400.00 per day for those withdrawals occurring outside of credit combined)Mexico, subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us, and any other Account You designate. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designateAt the present time, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 1,500.00 per business day (share, share draft and line of credit combined)day, subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Family Financial Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed an amount that We will disclose to You separately prior to the time the first Electronic Fund Transfer is made (at Your option such amount may be as low as $500.00 50.00 per business day (share, share draft and line of credit combinedday), subject to the provided You have enough available funds in Your Account. You may also use Your Card and PIN to purchase goods and services (“POS”) at any business establishment where the Card is accepted, not to make exceed an amount that We will disclose to You separately prior to the following transactionstime the first Electronic Fund Transfer is made (at Your option such amount may be as low as $50.00 per day), provided You have enough available funds in Your Account. At the present time, You may use Your Card in conjunction with Your PIN in ATMs that We own and operate to: (a) make deposits to Your share, special purpose savings and share draft Account(s); (b) withdraw cash from Your share, special purpose savings and share draft Account(s); (c) transfer funds between Your share, special purpose savings and share draft Account(s); and (d) learn the balances in Your share, special purpose savings and share draft Account(s) that You have with Us. For security reasons there are limits on the number of transactions that may be processed each day. You may also use Your Card in conjunction with Your PIN in ATMs that We do not own and operate, and/or such other machines or facilities as We may designate to: (a) make deposits to Your share and share draft Account(s); (b) withdraw cash from Your share and share draft Account(s); (c) transfer funds between Your share and share draft Account(s); and (bd) make balance inquiries on learn the balances in Your share and share draft Account(s) that You have with Us. VISA For security reasons there are limits on the number of transactions that may be processed each day. DEBIT CARD MASTERCARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed an amount that We will disclose to You separately prior to the time the first Electronic Fund Transfer is made (at Your option such amount may be as low as $760.00 50.00 per business day (share, share draft and line of credit combinedday), subject to the provided You have enough available funds in Your Account. You may also use Your Card and PIN to purchase goods and services (“POS”) at any business establishment where the Card is accepted, not to make exceed an amount that We will disclose to You separately prior to the following transactionstime the first Electronic Fund Transfer is made (at Your option such amount may be as low as $50.00 per day), provided You have enough available funds in Your Account. At the present time, You may use Your Card in conjunction with Your PIN in ATMs that We own and operate to: (a) make deposits to Your share, special purpose savings and share draft Account(s); (b) withdraw cash from Your share, special purpose savings and share draft Account(s); (c) transfer funds between Your share, special purpose savings and share draft Account(s); and (d) learn the balances in Your share, special purpose savings and share draft Account(s) that You have with Us. For security reasons there are limits on the number of transactions that may be processed each day. You may also use Your Card in conjunction with Your PIN in ATMs that We do not own and operate, and/or such other machines or facilities as We may designate to: (a) make deposits to Your share and share draft Account(s); (b) withdraw cash from Your share and share draft Account(s); (c) transfer funds between Your share and share draft Account(s); and (bd) make balance inquiries on learn the balances in Your share and share draft Account(s) that You have with Us. You For security reasons there are limits on the number of transactions that may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined)be processed each day.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with wi h Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Capital Communications Federal Credit Union locations may not be posted to Your Account until un il they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on he deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate. At the present time, You may use Your Card and PIN to deposit cash and checks to Your share and share draft checking Account(s), not to exceed two such deposits per day. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs to: (a) withdraw cash from Your share and such other machines or facilities as We may designate, checking Account(s) not to exceed $500.00 810.00 per business day (share, share draft checking, courtesy pay, and line of credit combined), subject to the provided there are available funds in Your Account, to make the following transactions: ; (ab) transfer funds between Your share and share draft checking Account(s); and (bc) make balance inquiries on inquire about Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(schecking Account balance(s) with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 checking Account (share, share draft checking, and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista On Tap Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share share, checking, and share draft money market Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate to make the following transactions: (a) withdraw cash from Your share, not checking, and money market Account(s); (b) transfer funds between Your share and checking Account(s); and (c) make balance inquiries on Your share and checking Account(s) with Us. ATM cash withdrawals are limited to exceed a maximum of eight (8) withdrawals per day, subject to an aggregate limit of $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. ATM cash withdrawals are limited to a maximum of eight (8) withdrawals per day, not subject to exceed an aggregate limit of $1,000.00 500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM You may also use Your Card to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions may not at any time exceed that use your signature are limited to a maximum of ten (10) purchases per day, subject to an aggregate limit of $1,760.00 3,500.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Coloramo Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA CHECK CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 505.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 3,000.00 per day (share, share draft and line of credit combined)., subject to the available funds in Your Account. You understand that during any time the network is offline, the POS transaction limitation will be reduced to $200.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account. COLORAMO AUDIO TELLER TRANSACTIONS. You may use Coloramo Audio Teller in conjunction with Your Access Code and a touch tone telephone for the following services: (a) transfer funds between Your share and share draft Account(s); (b) make check withdrawals from Your share, share draft, and other designated deposit Accounts; (c) make loan payments from Your share, share draft, and other designated deposit Accounts on Your Credit Union loans; and

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista 1st Financial Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES 1ST FINANCIAL ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate and to purchase goods and services (“POS”) at any business establishment where the Card is accepted, up to deposit cash a maximum (share, line of credit and checks share draft combined) of $500.00 per day, provided You have enough available funds in Your Account. At the present time, You may use Your Card and Your PIN for: (a) Withdrawals at designated locations from Your share and share draft Accounts; (b) Transfers of funds between Your share, share draft and line of credit Accounts; (c) Deposit of funds to Your share and share draft Account(s)Accounts; and (d) Balance inquiries about Your share and share draft Accounts. VISA CHECK CARD TRANSACTIONS. You may also use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft designate and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted, not provided You have enough available funds in Your Account, up to exceed $1,000.00 per business day a daily maximum (share, line of credit and share draft combined) that We will disclose to You in a separate writing before the first electronic fund transfer is made. At the present time, You may use Your Card and Your PIN for: (a) Withdrawals at designated locations from Your share and share draft Accounts; (b) Transfers of funds between Your share, share draft and line of credit combined), subject Accounts; (c) Deposit of funds to the available funds in Your Account. The sum of ATM share and POS transactions may not at any time exceed $1,760.00 (share, share draft Accounts; and line of credit combined)(d) Balance inquiries about Your share and share draft Accounts.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays Sundays, and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Xxxxxx First Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, withdraw cash from Your share and share draft and line of credit combined)Accounts that You have with Us, subject to the available funds in Your Account. In addition, to make the following transactions: (a) You may transfer funds between Your share and share draft Account(s); Accounts that You have with Us, and (b) make balance miscellaneous inquiries on Your share and share draft Account(s) Accounts with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services (“POS”) at any business establishment where the Card is accepted, not to exceed the available funds in Your Account (share, share draft, and line of credit combined). VISA DEBIT CHECK CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share, share draft, and share draft money market Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (withdraw cash from Your share, share draft draft, and line of credit combined)money market Accounts that You have with Us, subject to the available funds in Your Account. In addition, to make the following transactions: (a) You may transfer funds between Your share, share draft, and share draft Account(s); money market Accounts that You have with Us, and (b) make balance miscellaneous inquiries on Your share and share draft Account(s) Accounts with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 Account (share, share draft draft, and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista DayMet Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); (b) transfer funds between Your savings and checking Account(s); (c) make miscellaneous inquiries on Your savings and checking balances; and (d) take advances on Your Quick Cash Line of Credit. You may also use Your Card in conjunction with Your PIN, to purchase goods and services ("POS") at any business establishment where the Card is accepted. ATM withdrawals may not to exceed $500.00 300.00 per business calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. POS withdrawals may not exceed $300.00 per calendar day (savings, checking and line of credit combined), subject to make the following transactions: (a) transfer available funds between in Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with UsAccount. VISA DEBIT CARD MASTERCARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); (b) transfer funds between Your share savings and share draft checking Account(s); and (bc) make balance miscellaneous inquiries on Your share savings and share draft Account(schecking balances; and (d) with Ustake advances on Your Quick Cash Line of Credit. You may also use Your Card in conjunction with Your PIN PIN, to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 300.00 per business calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions withdrawals may not at any time exceed $1,760.00 1,000.00 per calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista CoastHills Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit and share draft combined), subject to ) the available funds in Your Account. At the present time, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and and/or such other machines or facilities as We may designate, to deposit cash and checks designate to: (a) make deposits to Your designated share and share draft Account(s); (b) withdraw cash from Your designated share and share draft Account(s); (c) transfer funds between Your designated share and share draft Accounts; (d) learn the balances in Your designated share and share draft Accounts that You have with Us; (e) make payments on Your loan Accounts that You may have with Us from Your designated share and share draft Accounts; (f) access Your line of credit accounts with Us; and (g) make payments to preauthorized creditors. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit and share draft combined), subject to ) the available funds in Your Account. The sum If You do use Your Card for such transactions, You authorize Us to withdraw funds up to the available balance of ATM and POS Your Account(s) to cover any such transactions, provided You have available funds. For security reasons there are limits on the number of transactions that may not at any time exceed $1,760.00 (share, share draft and line of credit combined)be processed each day.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Spirit Financial Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to withdraw cash from Your share and share draft Accounts not to exceed $500.00 998.00 per business day (share, share draft draft, and line of credit combined), subject to the available funds in Your Account. In addition, to make the following transactions: (a) You may transfer funds between Your share and share draft Account(s); Accounts that You have with Us, and (b) make balance miscellaneous inquiries on Your share and share draft Account(s) Accounts with Us. VISA MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to withdraw cash from Your share and share draft Accounts not to exceed $760.00 998.00 per business day (share, share draft draft, and line of credit combined), subject to the available funds in Your Account. In addition, to make the following transactions: (a) You may transfer funds between Your share and share draft Account(s); Accounts that You have with Us, and (b) make balance miscellaneous inquiries on Your share and share draft Account(s) Accounts with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 5,000.00 per business day (share, share draft draft, and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Resource One Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (c) make balance inquiries on Your share and share draft Account(s) with Us. Withdrawals and transfers may not to exceed $760.00 1,200.00 per business day 24-hour period and $500.00 per transaction (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined)10,000.00 per 24-hour period.

Other Agreement. If electronic fund funds transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista One Detroit Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) transfer funds between withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your loan accounts, share, share draft and line of credit Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us. VISA You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. ATM withdrawals may not exceed (share, share draft and line of credit combined) $800.00 per calendar day, subject to the available funds in Your Account. POS transactions may not exceed (share, share draft and line of credit combined) $800.00 per calendar day, subject to the available funds in Your Account. In each case, You may instruct Us to limit withdrawals to as low as $50.00 per day. MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) transfer funds between withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your loan accounts, share, share draft and line of credit Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 per business day (share, share draft and line of credit combined)) $800.00 per calendar day, subject to the available funds in Your AccountAccount except to the extent that such amount will be reduced to $400.00 for cards linked to Fresh Start Checking accounts. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).) $3,000.00 per calendar day, subject to the available funds in Your Account except to the extent that such amount will be reduced to $1,500.00 for cards linked to Fresh Start Checking accounts. In all cases, You may instruct Us to limit both ATM and POS withdrawals to as low as $50.00 per day. TELEVOICE TRANSACTIONS. You may use Our Televoice Audio Response system in conjunction with Your PIN and/or Access Code via a touch tone telephone to make the following types of transactions on designated accounts: (a) Transfer funds between share, share draft, and line of credit Accounts; (b) Make check withdrawals from Your share Accounts; (c) Make payments on Your loans with Us;

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Credit Union AFCU locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) Withdrawals from Your share and share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. ATM withdrawals may not to exceed $500.00 1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. For security reasons, to there are limits on the number of transfers You can make the following transactions: (a) transfer funds between from Your share and share draft Account(s); and (b) make balance inquiries on Share Account using Your share and share draft Account(s) with UsCard. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) Withdrawals from Your share and share draft Accounts; (b) Transfers of funds between Your share and share draft Accounts; and (c) Balance inquiries about Your share and share draft Accounts. ATM withdrawals may not to exceed $760.00 1,000.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account. For security reasons, there are limits on the number of transfers You can make from Your Share Account using Your Card. You may also use Your Card in conjunction with Your PIN or signature to purchase goods and services ("POS") at any business establishment where the Card is accepted. POS transactions in conjunction with Your PIN may not exceed $2,500.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card whereas POS transactions in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, signature may not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Police and Fire Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM PFFCU DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us, and any other Account You designate. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designateAt the present time, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN, Your signature, or for certain transactions, without either Your PIN in or Your signature to purchase goods and services (“POS”) at any of Our network of ATMs and such other machines or facilities as We may designatebusiness establishment where the Card is accepted, not to exceed $760.00 3,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Central Missouri Community Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (c) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN or signature, to purchase goods and services ("POS") at any business establishment where the Card is accepted. ATM withdrawals may not to exceed $500.00 300.00 per business calendar day (share, share draft and line of credit combined), subject to the available funds in Your Account. POS withdrawals may not exceed $300.00 per calendar day (share, to make the following transactions: (a) transfer funds between Your share and share draft Account(sand line of credit combined); and (b) make balance inquiries on , subject to the available funds in Your share and share draft Account(s) with UsAccount. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN, Your Signature, and in certain cases neither Your PIN or signature, to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 500.00 per business calendar day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions withdrawals may not at any time exceed $1,760.00 the available funds in Your Account (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Atomic Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD DEBIT MASTERCARD TRANSACTIONS. Except for Cards issued to minors, You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to deposit cash and checks make deposits to Your share and share draft Account(s)Accounts. At the present time, You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs to: (a) withdraw cash from Your share and such other machines or facilities as We may designateshare draft Accounts, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: ; (ab) transfer funds between Your share and share draft Account(s)Accounts; and (bc) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) Accounts with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 3,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum DEBIT MASTERCARD TRANSACTIONS (FOR MINORS). For Cards issued to minors, You may use Your Card and PIN in any of ATM Our network of ATMs and POS transactions such other machines or facilities as We may designate to make deposits to Your share and share draft Accounts. At the present time, You may also use Your Card in conjunction with Your PIN to: (a) withdraw cash from Your share and share draft Accounts, not at any time to exceed $1,760.00 100.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account; (b) transfer funds between Your share and share draft Accounts; and (c) make balance inquiries on Your share and share draft Accounts with Us. You may also use Your Card and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $200.00 per day (share, share draft and line of credit combined), subject to the available funds in Your Account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Community Financial Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); (b) transfer funds between Your savings and checking Account(s); (c) take advances on Your line of credit with Us and have the amount advanced deposited into Your savings and checking Account(s); (d) make payments on Your Credit Union loans from Your savings and checking Account(s); and (e) make balance inquiries on Your savings and checking Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted. ATM withdrawals may not to exceed $500.00 700.00 per business calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account, to make . POS withdrawals may not exceed the following transactions: (a) transfer available funds between in Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with UsAccount. VISA MASTERCARD DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share savings and share draft checking Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) withdraw cash from Your savings and checking Account(s); (b) transfer funds between Your share savings and share draft checking Account(s); (c) take advances on Your line of credit with Us and have the amount advanced deposited into Your savings and checking Account(s); (d) make payments on Your Credit Union loans from Your savings and checking Account(s); and (be) make balance inquiries on Your share savings and share draft checking Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, . ATM withdrawals may not to exceed $1,000.00 700.00 per business calendar day (sharesavings, share draft checking and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions withdrawals may not at any time exceed $1,760.00 (share, share draft and line of credit combined)the available funds in Your Account.

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Space Age Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share share, checking, and share draft money market Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designatedesignate to make the following transactions: (a) withdraw cash from Your share, checking, and money market Account(s); (b) transfer funds between Your share and checking Account(s); and (c) make balance inquiries on Your share and checking Account(s) with Us. You may also use Your Card in conjunction with Your PIN or Signature to purchase goods and services ("POS") at any business establishment where the Card is accepted. ATM withdrawals may not to exceed $500.00 200.00 per business calendar day (share, share draft checking and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA DEBIT CHECK CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share share, checking, and share draft money market Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, designate to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. You may also use Your Card in conjunction with Your PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).:

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Pioneer Valley Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $500.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(s) with Us. VISA ATM/DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 1010.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) withdraw cash from Your share and share draft Account(s); (b) transfer funds between Your share and share draft Account(s); and (bc) make balance inquiries on Your share and share draft Account(s) with Us, and any other Account You designate. At the present time, You may also use Your Card in conjunction with Your PIN to purchase goods and services ("“POS"”) at any business establishment where the Card is accepted, not to exceed $1,000.00 5,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 (share, share draft and line of credit combined).

Other Agreement. If electronic fund transfer transactions involve other agreements You have with Us, the terms of those agreements will apply as well. BUSINESS DAYS. Every day is a business day except Saturdays, Sundays and holidays. DELAYED FUNDS AVAILABILITY NOTICE. Subject to Our Delayed Funds Availability Policy, deposits made at Alta Vista Capital Communications Federal Credit Union locations may not be posted to Your Account until they are received and verified by Us. All deposited items are removed from machines each business day. We are not responsible for delays in deposit posting due to improper identificationidentification on the deposit envelope. See Our Funds Availability Policy Disclosure for Our policy regarding the availability of Your deposits. TYPES AND LIMITATIONS OF SERVICES ATM VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your and PIN in any of Our network of ATMs and such other machines or facilities as We may designate. At the present time, You may use Your Card and PIN to deposit cash and checks to Your share and share draft checking Account(s), not to exceed two such deposits per day. You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs to: (a) withdraw cash from Your share and such other machines or facilities as We may designate, checking Account(s) not to exceed $500.00 810.00 per business day (share, share draft checking, courtesy pay, and line of credit combined), subject to the provided there are available funds in Your Account, to make the following transactions: ; (ab) transfer funds between Your share and share draft checking Account(s); and (bc) make balance inquiries on inquire about Your share and share draft Account(s) with Us. VISA DEBIT CARD TRANSACTIONS. You may use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, to deposit cash and checks to Your share and share draft Account(s). You may also use Your Card in conjunction with Your PIN in any of Our network of ATMs and such other machines or facilities as We may designate, not to exceed $760.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account, to make the following transactions: (a) transfer funds between Your share and share draft Account(s); and (b) make balance inquiries on Your share and share draft Account(schecking Account balance(s) with Us. You may also use Your Card in conjunction with Your and PIN to purchase goods and services ("POS") at any business establishment where the Card is accepted, not to exceed $1,000.00 per business day (share, share draft and line of credit combined), subject to the available funds in Your Account. The sum of ATM and POS transactions may not at any time exceed $1,760.00 checking Account (share, share draft checking, and line of credit combined).