Common use of Terms of Transactions Clause in Contracts

Terms of Transactions. By using your ATM or debit card, you agree to the following terms: • Your card remains FSB’s property and must be surrendered to FSB upon request. • FSB may cancel or replace your card at any time without notice. • You will notify FSB promptly of the loss of your card. • You will not reveal your card or any access code associated with your card (personal identification number or PIN) to any person not authorized to use your card. If you permit another person to use your PIN or account number(s) and related code(s), you are responsible for all transactions conducted by that person (even if he or she exceeds your authorization), until you notify FSB that the person is not authorized so that FSB may block the codes and issue new ones. • You will not write your PIN on your card or on any item kept with your card. • For merchant purchases, FSB has the right to place a temporary hold on your account in an amount equal to the authorization amount received through the payment authorization system. In certain circumstances, the payment authorization system permits the authorization amount FSB receives to be more or less than the final amount of the transaction. This typically happens when the final amount of your purchase is not known at the moment when you or the merchant “swipes” your card for authorization. In this situation, FSB reserves the right to place a temporary hold on your account in an amount FSB determines is reasonable based on the type of the transaction. Until the transaction finally settles, or FSB determines that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. FSB will only charge your account for the amount of the final transaction, and will release any excess amount when the transaction finally settles. • FSB has the right to refuse a transaction on your account when your card has been reported lost or stolen, or when FSB reasonably believes there is unusual activity on your account. • If you use your card to access an account that is no longer available to complete a transaction, FSB may, in its sole discretion, charge or credit the transaction to another account. • If you use your card to access an account that does not have sufficient funds to complete a transaction or that would exceed the daily authorization limit attached to your card, FSB may, in its sole discretion, authorize the transaction. FSB’s current practice is to decline ATM and POS debit card transactions if there are not sufficient available funds in the account. • You shall not use your card to initiate a transaction involving internet gambling or illegal activities, regardless of the jurisdiction in which you are located, including locations within the United States, and FSB has the right to refuse a transaction which FSB reasonably believes involves such activities. Foreign Transactions. If you conduct a transaction in a currency other than U.S. dollars, or the merchant network, the associations will convert any related debit or credit into U.S. dollars in accordance with its then current policies, which may include fees for the transaction. The conversion rate may be different from the rates in effect on the date of your transaction and the date it is posted to your account. FSB may impose a charge for any transaction that you conduct outside the United States or in a foreign currency. See the Service Fee Schedule for the current amount FSB charges. Refunds on Purchases. You will not receive cash refunds for purchases made with your debit card. If a merchant gives you a credit for merchandise returns or adjustments, it may do so by processing a credit adjustment, which FSB will apply as a credit to your account. ATM Fees. When you use an ATM not owned by FSB, you may be charged a fee by the ATM operator or any network used, including a fee for a balance inquiry even if you do not complete a funds transfer or another type of transaction. FSB may also charge a service fee as set forth in the Service Fee Schedule.

Terms of Transactions. By using your ATM or debit card, you agree to the following terms: • Your card remains FSB’s property and must be surrendered to FSB upon request. • FSB may cancel or replace your card at any time without notice. • You will notify FSB promptly of the loss of your card. • You will not reveal your card or any access code associated with your card (personal identification identification number or PIN) to any person not authorized to use your card. If you permit another person to use your PIN or account number(s) and related code(s), you are responsible for all transactions conducted by that person (even if he or she exceeds your authorization), until you notify FSB that the person is not authorized so that FSB may block the codes and issue new ones. • You will not write your PIN on your card or on any item kept with your card. • For merchant purchases, FSB has the right to place a temporary hold on your account in an amount equal to the authorization amount received through the payment authorization system. In certain circumstances, the payment authorization system permits the authorization amount FSB receives to be more or less than the final final amount of the transaction. This typically happens when the final final amount of your purchase is not known at the moment when you or the merchant “swipes” your card for authorization. In this situation, FSB reserves the right to place a temporary hold on your account in an amount FSB determines is reasonable based on the type of the transaction. Until the transaction finally finally settles, or FSB determines that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. FSB will only charge your account for the amount of the final final transaction, and will release any excess amount when the transaction finally finally settles. • FSB has the right to refuse a transaction on your account when your card has been reported lost or stolen, or when FSB reasonably believes there is unusual activity on your account. • If you use your card to access an account that is no longer available to complete a transaction, FSB may, in its sole discretion, charge or credit the transaction to another account. • If you use your card to access an account that does not have sufficient sufficient funds to complete a transaction or that would exceed the daily authorization limit attached to your card, FSB may, in its sole discretion, authorize the transaction. If FSB authorizes a transaction that overdraws your account, FSB may assess a fee and/or charge interest for any overdraft against your account. FSB’s current practice is to decline ATM and POS debit card transactions if there are not sufficient sufficient available funds in the account. • You shall not use your card to initiate a transaction involving internet gambling or illegal activities, regardless of the jurisdiction in which you are located, including locations within the United States, and FSB has the right to refuse a transaction which FSB reasonably believes involves such activities. Foreign Transactions. If you conduct a transaction in a currency other than U.S. dollars, or the merchant network, the associations will convert any related debit or credit into U.S. dollars in accordance with its then current policies, which may include fees for the transaction. The conversion rate may be different from the rates in effect on the date of your transaction and the date it is posted to your account. FSB may impose a charge for any transaction that you conduct outside the United States or in a foreign currency. See the Service Fee Schedule for the current amount FSB charges. Refunds on Purchases. You will not receive cash refunds for purchases made with your debit card. If a merchant gives you a credit for merchandise returns or adjustments, it may do so by processing a credit adjustment, which FSB will apply as a credit to your account. ATM Fees. When you use an ATM not owned by FSB, you may be charged a fee by the ATM operator or any network used, including a fee for a balance inquiry even if you do not complete a funds transfer or another type of transaction. FSB may also charge a service fee as set forth in the Service Fee Schedule.

Terms of Transactions. By using your ATM or debit card, you agree to the following terms: • Your card remains FSB’s property and must be surrendered to FSB upon request. • FSB may cancel or replace your card at any time without notice. • You will notify FSB promptly of the loss of your cardyourcard. • You will not reveal your card or any access code associated with your card (personal identification identification number or PIN) to any person not authorized to use your card. If you permit another person to use your PIN or account number(s) and related code(s), you are responsible for all transactions conducted by that person (even if he or she exceeds your authorization), until you notify FSB that the person is not authorized so that FSB may block the codes and issue new ones. • You will not write your PIN on your card or on any item kept with your card. • For merchant purchases, FSB has the right to place a temporary hold on your account in an amount equal to the authorization amount received through the payment authorization system. In certain circumstances, the payment authorization system permits the authorization amount FSB receives to be more or less than the final final amount of the transaction. This typically happens when the final final amount of your purchase is not known at the moment when you or the merchant “swipes” your card for authorization. In this situation, FSB reserves the right to place a temporary hold on your account in an amount FSB determines is reasonable based on the type of the transaction. Until the transaction finally finally settles, or FSB determines that it is unlikely to be processed, the funds subject to the hold will not be available to you for other purposes. FSB will only charge your account for the amount of the final final transaction, and will release any excess amount when the transaction finally finally settles. • FSB has the right to refuse a transaction on your account when your card has been reported lost or stolen, or when FSB reasonably believes there is unusual activity on your account. • If you use your card to access an account that is no longer available to complete a transaction, FSB may, in its sole discretion, charge or credit the transaction to another account. • If you use your card to access an account that does not have sufficient sufficient funds to complete a transaction or that would exceed the daily authorization limit attached to your card, FSB may, in its sole discretion, authorize the transaction. FSB’s current practice is to decline ATM and POS debit card transactions if there are not sufficient sufficient available funds in the account. • You shall not use your card to initiate a transaction involving internet gambling or illegal activities, regardless of the jurisdiction in which you are located, including locations within the United States, and FSB has the right to refuse a transaction which FSB reasonably believes involves such activities. Foreign Transactions. If you conduct a transaction in a currency other than U.S. dollars, or the merchant network, the associations will convert any related debit or credit into U.S. dollars in accordance with its then current policies, which may include fees for the transaction. The conversion rate may be different from the rates in effect on the date of your transaction and the date it is posted to your account. FSB may impose a charge for any transaction that you conduct outside the United States or in a foreign currency. See the Service Fee Schedule for the current amount FSB chargesFSBcharges. Refunds on Purchases. You will not receive cash refunds for purchases made with your debit card. If a merchant gives you a credit for merchandise returns or adjustments, it may do so by processing a credit adjustment, which FSB will apply as a credit to your account. ATM Fees. When you use an ATM not owned by FSB, you may be charged a fee by the ATM operator or any network used, including a fee for a balance inquiry even if you do not complete a funds transfer or another type of transaction. FSB may also charge a service fee as set forth in the Service Fee Schedule.