Common use of Visa Debit Card Clause in Contracts

Visa Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accounts. • Transfer funds from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any time.

Visa Debit Card. You may use your Card card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking share draft (checking) account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Fee Schedule. As of 09/01/2017, the Credit Union no longer offers an overdraft ability for one-time debit card transactions. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and with a fee as disclosed in our Rate Schedule or treat the transaction as a request to transfer funds from other deposit accounts, accounts or an approved overdraft protection accounts or loan accounts line of credit that you have established with the Credit Union. If you initiate a transaction that overdraws your Accountaccount, you agree to make immediate payment of any overdrafts together with any service charges fees charged to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card card and PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Visa Debit Card to: • − Make deposits to your share savings (savings) and checking share draft (checking) accounts. • ; − Withdraw funds from your share (savings) and share draft (checking) accounts; − Transfer funds from your share savings (savings) and checking share draft (checking) accounts. • ; − Obtain balance information for your share savings (savings) and checking share draft (checking) accounts. • ; − Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • ; − Order goods or services by mailmeans of the internet, Internet mail or telephone from places that accept Visa. • Some functions may be limited ; and − Receive cash back at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accountsmerchants (if the merchant policy permits). The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You − Based on the type of account you have with the Credit Union, there may make 15 Debit Card purchases per day. • You be limits on frequency and amounts of transactions available at ATM and POS locations; − Due to the nature of the “ATM” system, there may purchase up to a maximum be delays between the time of $3,500.00 per day. • You may make 15 cash withdrawals any activity on your account(s) and the time it is reflected in any one (1) day from an ATM machine. • our records of your account(s); − You may withdraw up to a maximum of $500.00 500 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one account (1) day. • You may purchase up to a maximum Lower limits of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • 100.00 apply to the Bridge Share Draft (checking) Account); − You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, ; − You may purchase up to $2,000.00 per day at point-of-sale (POS) locations (Lower limits of $1,000.00 apply to the charge will be converted into Bridge Share Draft (checking) Account); and − See the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries Credit Union’s Funds Availability Policy and Disclosures for limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Visa Debit Card and PIN to perform all of the functions listed above in the ATM Card Access section. Additionally, you may also: • Withdraw funds from your savings, checking, and money market accounts. • Make deposits to your savings, checking, money market, and club accounts. • Transfer funds between your savings, checking, and money market accounts whenever you request. • Obtain balance information on your savings, checking, money market, and club accounts. • Make loan payments from your savings, checking, and money market accounts. • Pay for purchases at places that have agreed to accept the Card. • Make POS (Point of Sale) transactions to purchase goods and or services from participating merchantsat POS terminals that have the Visa logo. If you wish to pay for • Pay bills or make other transactions on Non-Visa Networks (STAR, ACCEL) without a PIN* • Order goods or services over the Internetby mail, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, statetelephone, or local lawvia the Internet from places that accept the Card. Funds to cover your Card • Make cash withdrawals in foreign countries and in foreign currencies. Some services may not be available at all terminals. The amount of purchases and/or cash obtained (if permitted) will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accounts. • Transfer funds Advances from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointline-of-Sale) credit account are loans that must be repaid by you, and are governed by your line- of-credit agreement. *Non-Visa PIN-less transactions with your Card will not be processed as Visa transactions and PIN (Personal Identification Number) therefore will not include Visa's zero liability or chargeback and dispute resolution benefits. Additionally, provisions of this agreement relating only to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at Visa transactions are not applicable to non-proprietary ATMs; features may be limited to POS only, according to merchantVisa and PIN-less debit transactions. • Withdraw funds from your share savings and checking accountsLimitations. The following limitations will apply to your Card: • The maximum dollar amount of cash withdrawals per day is $1,500. Sufficient funds must be available to make any withdrawal. The maximum purchase price for any one transaction at a POS Terminal is $2,500. The combined limit for both cash withdrawals and POS transactions is $3,500. There is no limit on the frequency and amount number of Visa Debit Card transactions may apply: • You cash withdrawals or purchases you may make 15 Debit Card purchases per in one day. • You For security reasons, there are other limitations to frequency and number of transfers you may purchase up to a maximum of $3,500.00 per daymake at ATMs. • Your available account balance may be reduced for preauthorizations for 3 business days or until the transaction clears. • You may are not allowed to make 15 cash withdrawals in any one (1) day from deposits at an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual that we do not operate or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeown.

Visa Debit Card. You may use your VISA Debit Card to purchase goods and services from any place your Card is honored by participating merchants. If you wish to pay for goods , including Point of Sale (POS) terminals within the Co-Op Networks (with PIN) and CO-OP, ACCEL, and VISA Networks (without PIN) or services over such other POS terminals as the Internet, you Credit Union may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local lawdesignate. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a an overdraft request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges pursuant to the Credit Union. In the event of repeated overdrafts, the Credit Union Overdraft Service or may terminate all services under this the Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card toDebit card to make the following transactions on your accounts: • Make deposits to Withdraw cash from your share savings and savings, or checking accounts. • Transfer funds from between your share savings and savings, checking accounts or loan accounts. • Obtain account balance information for your share on savings and checking accounts. • Make certain loan payments from your share savings and or checking accounts. • Access Make deposits to your Personal Line of savings or checking accounts at Credit accountUnion ATMs and selected Co-op Network ATMs. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations There is no limit on the frequency and amount number of Visa Debit POS purchase transactions you may make by Card transactions may apply: • during a statement period. You may make 15 Debit Card purchases per day. • You may purchase amounts up to a maximum of $3,500.00 2,500 per day, for signature-based transactions. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You may withdraw purchase amounts up to a maximum of $500.00 in any one 1,000 per day, for PIN-based transactions. You may withdraw up to $500 (1) day from an ATM machine, if there are sufficient funds available in your account) per day at any authorized ATM, subject to security requirements and limits placed by each individual ATM. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, The Credit Union reserves the right to deny such transactions is within refuse any transaction which would draw upon insufficient funds, lower an account below a required balance, or otherwise require us to increase our sole discretion required reserve on the account. The Credit Union may set security requirements and atfected countries other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may change at refuse to honor any timetransaction for which you do not have sufficient available verified funds.

Visa Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accounts. • Transfer funds from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfectedaffected. However, the right to deny such transactions is within our sole discretion and atfected affected countries may change at any time.

Visa Debit Card. You may use your Card VISA debit card to purchase goods and services from any place it is honored by participating merchants. If you wish to pay for goods , including at POS terminals within the networks or services over the Internet, you such other POS terminals as WECU may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local lawdesignate. Funds to cover your Card card purchases and ATM transactions will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union WECU may pay the amount and treat the transaction as a request to transfer funds as i. Make withdrawals of cash from other deposit savings or checking accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union; ii. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accounts at deposit-taking ATMs; iii. Transfer funds between your savings and checking accounts; and iv. Obtain balance information on your savings and checking accounts. • Transfer funds from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 fifty (50) cash withdrawals in one day at WECU and non-WECU ATMs. This limitation is inclusive of debit purchase transactions you make with your card. The amount of any one (1) transaction is limited to $510 each day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient you have available funds in your account. • Any charges applicable to cash withdrawals are set forth on the Fee Schedule. The servicing and processing schedule time of automated teller machines may result in a delay between the time a deposit is made and when it will be available for withdrawal. You may make 15 POS transactions in any one (1) dayshould refer to WECU’s funds availability schedule. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer between your savings or checking accounts up to the available balance in your accounts at the time of the transfertransfer at available locations. • If you incur a charge in a currency other than U.S. dollarsYou may not use the Debit Card or account for any illegal or unlawful transaction, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries and we may decline to authorize any transaction we believe may be blocked and will require a manual illegal or verbal authorization unlawful. You agree that we have no liability for approvalyour use of the debit card or account for any illegal or unlawful transaction. Please check with us prior to departure to determine if your destination country is atfected. However, Credit Union reserves the right to deny such transactions is within refuse any transaction which would draw upon insufficient funds, lower an account below a required balance, or otherwise require us to increase our sole discretion required reserve on the account. WECU may set other limits on the amount of any transaction, and atfected countries you will be notified of those limits. WECU may change at refuse to honor any timetransaction for which you do not have sufficient available funds.

Visa Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs automated teller machines of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accounts. • Transfer funds from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see The currency conversion rate used to determine the Foreign transaction amount in US dollars is either: 1) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date; or 2) the government-mandated rate in effect for the applicable central processing date. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfectedaffected. However, the right to deny such transactions is within our sole discretion and atfected affected countries may change at any time.

Visa Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs automated teller machines of the Credit Union, Plus, VISA, CO-OP, and ACCEL networksAllpoint Network, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accountsaccount. • Transfer Withdraw funds from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VisaVISA. • Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accountsVISA. The following limitations on the frequency and amount of Visa ATM & Debit Card transactions may apply: • You may make 15 There is no limit on the number of Visa Debit Card purchases you may make each day. • Purchase amounts are limited to the available balance in your account, up to $1500.00 per day. • You may purchase up There is no limited to a maximum the number of $3,500.00 per day. • You cash withdrawals you may make 15 cash withdrawals in any one (1) day from an ATM machine. • You However you may withdraw up to a maximum of $500.00 400.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 There is no limit to the number of POS transactions in any one (1) you per day. • You may purchase up to a maximum of $3,500.00 1500.00 from POS terminals per day, if there are sufficient funds in your account. • You There is a combined $1500.00 daily maximum. See Section 2 for transfer limitations that may transfer up apply to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Card to purchase goods and services from participating merchantsMerchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your you Card purchases will be deducted from your checking share draft account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs automated teller machines of the Credit Union, PlusATM, VISA, CO-OP, and ACCEL PLUS networks, and such other machines or facilities as the Credit Union union may designate. At the present time, you may also use your Card card to: • Make deposits to your share savings and checking share draft accounts. • Withdraw funds from your share and share draft accounts. • Transfer funds from your share savings and checking share draft accounts. • Obtain balance information for your share savings and checking share draft accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VisaVISA. • Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accountsVISA. The following limitations on the frequency and amount of Visa VISA Debit Card transactions may apply: • You may make 15 fifteen (15) VISA Debit Card purchases per day. • Purchase amounts are limited to the amount in your account. • You may purchase up to maximum of $1,200.00 per day. • You may make fifteen (15) cash withdrawals in any one day from an ATM machine. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 1,000.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs automated teller machines of the Credit Union, Plus, , VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accounts. • Transfer funds from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • See Section 2 for transfer limitations that may apply to these transactions. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see The currency conversion rate used to determine the Foreign transaction amount in US dollars is either: 1) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date; or 2) the government-mandated rate in effect for the applicable central processing date. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfectedaffected. However, the right to deny such transactions is within our sole discretion and atfected affected countries may change at any time.

Visa Debit Card. You may use your Visa Debit Card and PIN to perform all of the functions listed above in the ATM Card Access section. Additionally, you may also: • Withdraw funds from your savings, checking and Line of Credit accounts. • Make deposits to your savings, checking and Line of Credit accounts. • Transfer funds between your savings, checking and Line of Credit accounts whenever you request. • Obtain balance information on your savings, checking and Line of Credit accounts. • Pay for purchases at places that have agreed to accept the Card. • Make POS (Point of Sale) transactions to purchase goods and or services from participating merchantsat POS terminals that have the Visa logo. If you wish to pay for • Pay bills or make other transactions on Non-Visa Networks (STAR, PRESTO) without a PIN* • Order goods or services over the Internetby mail, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, statetelephone, or local lawvia the Internet from places that accept the Card. Funds to cover • Make cash withdrawals in foreign countries and in foreign currencies. • Pay bills directly by telephone from your Card savings and checking accounts in the amounts and on the days you request. • Take an advance from your Line of Credit account. Some services on ATM or Debit Cards may not be available at all terminals. The amount of purchases and/or cash obtained (if permitted) will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accounts. • Transfer funds Advances from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointline-of-Sale) credit account are loans that must be repaid by you, and are governed by your line-of-credit agreement. *Non-Visa PIN-less transactions with your Card will not be processed as Visa transactions and PIN (Personal Identification Number) therefore will not include Visa’s zero liability or chargeback and dispute resolution benefits. Additionally, provisions of this agreement relating only to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at Visa transactions are not applicable to non-proprietary ATMs; features may be limited to POS only, according to merchantVisa and PIN- less debit transactions. • Withdraw funds from your share savings and checking accountsLimitations. The following limitations on the frequency and will apply to your Card: • The maximum dollar amount of Visa Debit Card transactions may apply: • cash withdrawals per day is $515.00. Sufficient funds must be available to make any withdrawal. You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make only 15 cash withdrawals in one day • The maximum purchase price for any one (1) transaction at a POS Terminal is $5,000.00. You may make only 15 purchases in one day from an ATM machine• For security reasons, there are other limitations to frequency and number of transfers you may make at ATMs. • Your available account balance may be reduced for preauthorizations for 3 business days or until the transaction clears. • You may withdraw up are not allowed to a maximum of $500.00 in any one (1) day from make deposits at an ATM machine, if there are sufficient funds in your accountthat we do not operate or own. • You may make 15 POS transactions Additional limitations are set forth in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeTRANSFER LIMITATIONS provision contained herein.

Visa Debit Card. You If approved, you may use your Card card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If For ATM and one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Accountaccount, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card card and PIN personal identification number (Personal Identification NumberPIN) in ATMs Automated Teller Machines (ATMs) of the Credit Union, PlusPLUS, VISAMAC, CO-OP, VISA and ACCEL ACCEL/Exchange networks, and such other machines or facilities as the Credit Union may designate. At the present current time, you may also use your Card card to: • Make deposits to your share savings and checking accounts. • Transfer Withdraw funds from your share savings Share and checking Share Draft accounts. • Transfer funds between your Share and Share draft accounts. Obtain balance information for your share savings Share and checking Share draft accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 There is a transactional limit on the number of Visa Debit Card purchases you make per day. • You may purchase up Purchase amounts are limited to the amount in your account. There is a maximum transactional limit of $3,500.00 per day. • You 8 for the number of cash withdrawals you may make 15 cash withdrawals in any one (1) day 24 hour period from an ATM machine. • You may withdraw up to a maximum of $500.00 500 in any one (1) day 24 hour period from an ATM machine, if there are sufficient funds in your account. • You There is a transactional limit of 12 for the number of POS transactions you may make 15 POS transactions in any one (1) day24 hour period. • You may purchase up to a maximum of $3,500.00 2,000 from POS terminals per day24 hour period, if there are sufficient funds in your account. • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Visa Debit Card and PIN to perform all of the functions listed above in the ATM Card Access section. Additionally, you may also: • Withdraw funds from your savings, checking, and money market accounts. • Make deposits to your savings, checking, money market, and club accounts. • Transfer funds between your savings, checking, and money market accounts whenever you request. • Obtain balance information on your savings, checking, money market, and club accounts. • Make loan payments from your savings, checking, and money market accounts. • Pay for purchases at places that have agreed to accept the Card. • Make POS (Point of Sale) transactions to purchase goods and or services from participating merchantsat POS terminals that have the Visa logo. If you wish to pay for • Pay bills or make other transactions on Non-Visa Networks (STAR, ACCEL) without a PIN* • Order goods or services over the Internetby mail, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, statetelephone, or local lawvia the Internet from places that accept the Card. Funds to cover your Card • Make cash withdrawals in foreign countries and in foreign currencies. Some services may not be available at all terminals. The amount of purchases and/or cash obtained (if permitted) will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accounts. • Transfer funds Advances from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointline-of-Sale) credit account are loans that must be repaid by you, and are governed by your line- of-credit agreement. *Non-Visa PIN-less transactions with your Card will not be processed as Visa transactions and PIN (Personal Identification Number) therefore will not include Visa's zero liability or chargeback and dispute resolution benefits. Additionally, provisions of this agreement relating only to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at Visa transactions are not applicable to non-proprietary ATMs; features may be limited to POS only, according to merchantVisa and PIN-less debit transactions. • Withdraw funds from your share savings and checking accountsLimitations. The following limitations will apply to your Card: • The maximum dollar amount of cash withdrawals per day is $1,000. Sufficient funds must be available to make any withdrawal. The maximum purchase price for any one transaction at a POS Terminal is $2,500. The combined limit for both cash withdrawals and POS transactions is $3,500. There is no limit on the frequency and amount number of Visa Debit Card transactions may apply: • You cash withdrawals or purchases you may make 15 Debit Card purchases per in one day. • You The maximum daily deposit limit at a Municipal Credit Union ATM is $10,000. • For security reasons, there are other limitations to frequency and number of transfers you may purchase up to a maximum of $3,500.00 per daymake at ATMs. • Your available account balance may be reduced for preauthorizations for 3 business days or until the transaction clears. • You may are not allowed to make 15 cash withdrawals in any one (1) day from deposits at an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual that we do not operate or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeown.

Visa Debit Card. You may use your Visa Debit Card and/or PIN to: • Withdraw funds from your share and share draft accounts. • Make deposits to your share and share draft accounts. • Transfer funds between your share and share draft accounts whenever you request. • Make loan payments from your share or share draft accounts. • Obtain balance information on your share and share draft accounts. • Take an advance from your line-of-credit account. • Pay for purchases at places that have agreed to accept the Card. • Make POS (Point of Sale) transactions to purchase goods and or services at POS terminals that have the Visa logo. • Pay bills or make other transactions on Non-Visa Networks (STAR, ACCEL) without a PIN* • Order goods or services by mail, telephone, or via the Internet from participating merchantsplaces that accept the Card. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking share draft account. If For ATM and one- time debit card transactions, you must consent to allowing card access to the Credit Union’s overdraft Extended Coverage plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft Extended Coverage and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds using standard overdraft services, from other deposit accounts, approved standard overdraft protection accounts services, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Accountaccount, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card card and PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusNYCE, VISA, CO-OPACCEL/Exchange, and ACCEL CU24 networks, and such other machines or facilities as the Credit Union may designate. At the present timeIn addition, you may also use your Card to: • Make deposits Visa debit card without a PIN for certain transactions on the Visa, NYCE, ACCEL/Exchange, and CU24 networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your share savings liability and checking accountsstreamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. • Transfer funds To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Some services may not be available at all terminals. The amount of purchases and/or cash obtained (if permitted) will be deducted from your share savings and checking accountsdraft account. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments Advances from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointline-of-Sale) transactions with credit account are loans that must be repaid by you, and are governed by your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at nonline-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeof-credit agreement.

Visa Debit Card. You may use your Visa Debit Card to purchase goods and services from any place your Card is honored by participating merchants. If you wish to pay for goods , including Point of Sale (POS) terminals within the Plus, Visa, and Co-op Networks or services over such other POS terminals as the Internet, you Credit Union may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local lawdesignate. Funds to cover your Debit Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a an overdraft request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges pursuant to the Credit Union. In the event of repeated overdrafts, the Credit Union Overdraft Service or may terminate all services under this the Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Debit card to make the following transactions on your accounts: a) Withdraw cash from your savings and checking accounts. b) Make deposits to your share savings and checking accounts. c) Transfer funds between your savings and checking accounts. d) Obtain account balance information on savings and checking accounts. e) Make loan payments from your savings and checking accounts. • Transfer funds from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations There is no limit on the frequency and amount number of Visa Debit Card POS purchase transactions may apply: • You you may make 15 Debit by Card purchases per dayduring a statement period. • You may make purchase amounts up to a maximum of $3,500.00 2,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one 1,000.00 (1) day from an ATM machine, if there are sufficient funds available in your account) per day at any authorized ATM, subject to security requirements and limits placed by each individual ATM. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, The Credit Union reserves the right to deny such transactions is within refuse any transaction which would draw upon insufficient funds, lower an account below a required balance, or otherwise require us to increase our sole discretion required reserve on the account. The Credit Union may set security requirements and atfected countries other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may change at refuse to honor any timetransaction for which you do not have sufficient available verified funds.

Visa Debit Card. You If approved, you may use your Card card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS, CO-OP or Shazam networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa® networks. To initiate a Visa® Debit transaction, you may sign a receipt, provide a card number, or swipe your card through a POS terminal. Please refer to the Member Liability section below for terms and conditions. If approved, you may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, state or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to your share savings and checking accounts. • Withdraw funds from your savings and checking accounts. • Transfer funds to/from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and card with or without your PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa®. • Order goods or services by mail, Internet telephone or telephone online from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts®. The following limitations on the frequency and amount of Visa Visa® Debit Card transactions may apply: • You There is no limit on the number of cash withdrawals you may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You day, but in aggregate you may withdraw up to a maximum of $500.00 410 in any one (1) day from an ATM machineday, if there are sufficient funds in your account. • You may There is a fifteen (15) transaction limit on the number of Visa® Debit Card POS purchases you make 15 POS transactions per day, but in any one (1) day. • You aggregate you may purchase up to a maximum of $3,500.00 2,500 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur See Section 2 for transfer limitations that may apply to these transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a charge delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. Visa Account Updater (VAU): VAU is an account updating service in a currency other than U.S. dollarswhich your card is automatically enrolled. When your card(s) expire, are lost or stolen and new cards are issued, the charge will be converted into the US dollar amountservice may update relevant card data (Card numbers and expiration dates) to appropriate merchants who participate in an effort to facilitate uninterrupted processing of your recurring charges. Please see the Foreign Transactions section belowThe service provides updates to a Visa® database only. Also, transactions in certain countries may be blocked and will require The database is accessed by those qualified merchants seeking your account information after you have requested they process a manual recurring payment or verbal authorization for approvalpayments. Please check with us prior This service is provided as a free benefit to departure to determine if your destination country is atfectedyou. However, the right to deny such transactions is within our sole discretion and atfected countries may change If at any timetime you wish to opt-out of the VAU service, opt back-in, or if you have any questions, please call ▇▇▇-▇▇▇-▇▇▇▇.

Visa Debit Card. You If approved, you may use your Card card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking share draft account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Accountaccount, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OPACCEL/Exchange, and ACCEL Interlink networks, and such other machines or facilities as the Credit Union may designate. At You may use your card and personal identification number (PIN) in ATMs of the present timeCredit Union, Plus, ACCEL/Exchange, and Interlink networks, and such other machines or facilities as the Credit Union may designate. In addition, you may also use your Card to: • Make deposits card without a PIN for certain transactions to the Visa, Plus, ACCEL/Exchange, Interlink and Financial Network networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your share savings and checking accounts. • Transfer funds from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointcard through a point-of-Salesale (POS) transactions with your Card terminal and PIN (Personal Identification Number) choose to purchase goods or services at merchants that accept Visaroute the transaction over a Visa network. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up Please refer to the available balance in your accounts at the time Member Liability section of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked this Agreement for terms and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeconditions.

Visa Debit Card. You If approved, you may use your Card card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internetinternet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. For one-time transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Fee Schedule. For other types of transactions, If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, account you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card card and PIN personal identification number (Personal Identification NumberPIN) in at ATMs of the Credit Union, PlusACCEL, VISAVisa, COCo-OP, and ACCEL networks, Op and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the ACCEL, Visa and Co-Op. However, provisions of this Agreement relating to Visa transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your Card card to: • Make deposits to - Withdrawal funds from your share savings and checking accounts. • - Transfer funds from your share savings and checking accounts. • - Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 five (5) cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 300.00 in any one (1) day from an ATM machine, if there are any sufficient funds in your account. • - You may make 15 20 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 from 1,000.00 in POS terminals transactions per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in on your accounts at the time of the transfer. • If you incur Because of the servicing schedule and processing time required in ATM operations, there may be a charge in delay between the time a currency other than U.S. dollars, the charge deposit (either cash or check) is made and when it will be converted into available for withdrawal. At the US dollar amountpresent time, you may use Online Banking to: • Transfer funds from your savings, checking, loan and club accounts. Please see • Withdraw funds from your share and share draft accounts. • Obtain balance information for your savings, checking, loan, money market, club, and certificate accounts. • Make loan payments from your savings, checking, loan, money market, and club accounts • Access your Line of Credit or Visa Credit Card accounts. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share and share draft • Verify the Foreign Transactions section belowlast date and amount of your payroll deposit. Also, transactions in certain countries • View account history • Make bill payments to preauthorized creditors Your accounts can be accessed under Online Banking via personal Online Banking will be available for your convenience 24 hours per day. This service may be blocked and will require interrupted for a manual or verbal authorization short time each day for approvaldata processing. Please check with us prior to departure to determine if your destination country is atfected. However, We reserve the right to deny such refuse any transaction which would draw upon insufficient funds, exceed a credit limit, lower an account below a required balance, or otherwise require us to increase our required reserve on the account. We may set other limits on the amount of any transaction, and you will be notified of those limits. We may refuse to honor any transaction for which you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter a transaction and there may be limits on the duration of each access. The following limitations on Home Banking transactions may apply: • There is within our sole discretion and atfected countries no limit to the number of inquiries, transfers, or withdrawal requests you may change at make in any timeone (1) day.

Visa Debit Card. You If eligible for a debit card, you may use your Card card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, state or local law. Funds to cover your Card card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate For more information on our payment of any overdrafts together with any service charges debit card transactions (including both PIN based and Signature Based) and the impact on your available balance, please refer to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Membership and Account Agreement. You may use your Card card and PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa and NYCE networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. If you are eligible and you have opted into Courtesy Pay Select, we may pay ATM and debit card transactions that exceed the available balance in your checking account and charge you a fee as listed on the Rate and Fee Schedule. For more information on Courtesy Pay and Courtesy Pay Select, as well as the Credit Union’s definition of available balance, refer to the Membership and Account Agreement. At the present time, you may also use your Card card to: •  Make deposits to your share savings and checking accounts at Summit-owned ATMs only.  Withdraw funds from your savings and checking accounts. •  Transfer funds from your share savings and checking accounts. •  Obtain balance information for your share savings and checking accounts. •  Make certain loan payments from your share savings and checking accountspurchases at any retail establishment that displays the Visa symbol. • Access your Personal Line of Credit account. •  Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaPOS terminals. •  Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You  We may make 15 limit the number of Visa Debit Card purchases you make per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash  Visa Debit Card purchases and ATM withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up limited to the available balance in your accounts at the time checking account, line of the transfercredit (if you have a line of credit) and primary savings account. • If you incur The maximum limit for ATM withdrawals is $500.00 per day. Debit Card purchases are also subject to a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amountmaximum limit per day. Please see the Foreign Transactions section below. Also, transactions in certain countries  See Section 2 of this Agreement for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS, CO-OP or Shazam networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa® networks. To initiate a Visa® Debit transaction, you may sign a receipt, provide a card number, or swipe your card through a POS terminal. Please refer to the Member Liability section below for terms and conditions. If approved, you may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, state or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to your share savings and checking accounts. • Withdraw funds from your savings and checking accounts. • Transfer funds to/from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and card with or without your PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa®. • Order goods or services by mail, Internet telephone or telephone online from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts®. The following limitations on the frequency and amount of Visa Visa® Debit Card transactions may apply: • You There is no limit on the number of cash withdrawals you may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You day, but in aggregate you may withdraw up to a maximum of $500.00 410 in any one (1) day from an ATM machineday, if there are sufficient funds in your account. • You may There is a fifteen (15) transaction limit on the number of Visa® Debit Card POS purchases you make 15 POS transactions per day, but in any one (1) day. • You aggregate you may purchase up to a maximum of $3,500.00 2,500 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur See Account Transaction Limitations Section for transfer limitations that may apply to these transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a charge delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. Visa Account Updater (VAU): VAU is an account updating service in a currency other than U.S. dollarswhich your card is automatically enrolled. When your card(s) expire, are lost or stolen and new cards are issued, the charge will be converted into the US dollar amountservice may update relevant card data (Card numbers and expiration dates) to appropriate merchants who participate in an effort to facilitate uninterrupted processing of your recurring charges. Please see the Foreign Transactions section belowThe service provides updates to a Visa® database only. Also, transactions in certain countries may be blocked and will require The database is accessed by those qualified merchants seeking your account information after you have requested they process a manual recurring payment or verbal authorization for approvalpayments. Please check with us prior This service is provided as a free benefit to departure to determine if your destination country is atfectedyou. However, the right to deny such transactions is within our sole discretion and atfected countries may change If at any timetime you wish to opt-out of the VAU service, opt back-in, or if you have any questions, please call ▇▇▇-▇▇▇-▇▇▇▇.

Visa Debit Card. You may use your Visa Debit Card and/or PIN to: • Withdraw funds from your share and share draft accounts. • Make deposits to your share and share draft accounts. • Transfer funds between your share and share draft accounts whenever you request. • Make loan payments from your share or share draft accounts. • Obtain balance information on your share and share draft accounts. • Take an advance from your line-of-credit account. • Pay for purchases at places that have agreed to accept the Card. • Make POS (Point of Sale) transactions to purchase goods and or services at POS terminals that have the Visa logo. • Pay bills or make other transactions on Non-Visa Networks (STAR, ACCEL) without a PIN* • Order goods or services by mail, telephone, or via the Internet from participating merchantsplaces that accept the Card. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking share draft account. If For ATM and one- time debit card transactions, you must consent to allowing card access to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Accountaccount, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card card and PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusNYCE, VISA, CO-OPACCEL/Exchange, and ACCEL CU24 networks, and such other machines or facilities as the Credit Union may designate. At the present timeIn addition, you may also use your Card to: • Make deposits Visa debit card without a PIN for certain transactions on the Visa, NYCE, ACCEL/Exchange, and CU24 networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your share savings liability and checking accountsstreamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. • Transfer funds To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Some services may not be available at all terminals. The amount of purchases and/or cash obtained (if permitted) will be deducted from your share savings and checking accountsdraft account. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments Advances from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointline-of-Sale) transactions with credit account are loans that must be repaid by you, and are governed by your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at nonline-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeof-credit agreement.

Visa Debit Card. You If approved, you may use your Card card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking share draft account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Accountaccount, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card card and PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusPLUS, VISAAccess, CO-OPCUHere, and ACCEL CU24 networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa PLUS, Access, CUHere, CU24 networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your Card card to: • - Make deposits to your share savings and checking share draft accounts. • - Withdraw funds from your share and share draft accounts. - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking share draft accounts. • Access your Personal Line of Credit account. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa VISA Debit Card transactions may apply: • You may make 15 - There is no limit on the number of VISA Debit Card purchases you make per day. • You may purchase up - Purchase amounts are limited to a maximum of $3,500.00 per daythe amount in your account. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day- For security purposes, if there are sufficient funds in your accountother limits on the frequency and amount of transfers available at ATMs. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking share draft account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may credit union will pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs automated teller machines of the Credit Union, PlusSTAR, VISA, CO-OP, and ACCEL networks, Cirrus networks and such other networks, machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to Withdraw funds from your share savings and checking share draft accounts. • Transfer funds from your share savings and checking share draft accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking draft accounts. • Access your Personal CU Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VisaVISA. • Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accountsVISA. The following limitations on the frequency and amount of Visa VISA Debit Card transactions may apply: • You may make 15 fifteen (15) VISA Debit Card purchases per day. • Purchase amounts are limited to the amount in your account. • You may purchase up to a maximum of $3,500.00 1500.00 per day. • You may make 15 fifteen (15) cash withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 310.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 fifteen (15) POS transactions Transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 510.00 from POS terminals per day, if there are sufficient funds in your account. • Maximum daily ATM withdrawal and POS transactions of $510.00 per day, if there are sufficient funds in your account. • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS, CO-OP or Shazam networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa® networks. To initiate a Visa® Debit transaction, you may sign a receipt, provide a card number, or swipe your card through a POS terminal. Please refer to the Member Liability section below for terms and conditions. If approved, you may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, state or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to your share savings and checking accounts. • Withdraw funds from your savings and checking accounts. • Transfer funds to/from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and card with or without your PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa®. • Order goods or services by mail, Internet telephone or telephone online from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts®. The following limitations on the frequency and amount of Visa Visa® Debit Card transactions may apply: • You There is no limit on the number of cash withdrawals you may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You day, but in aggregate you may withdraw up to a maximum of $500.00 410 in any one (1) day from an ATM machineday, if there are sufficient funds in your account. • You may There is a fifteen (15) transaction limit on the number of Visa® Debit Card POS purchases you make 15 POS transactions per day, but in any one (1) day. • You aggregate you may purchase up to a maximum of $3,500.00 2,500 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur See Account Transaction Limitations Section for transfer limitations that may apply to these transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a charge delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. Visa Account Updater (VAU): VAU is an account updating service in a currency other than U.S. dollarswhich your card is automatically enrolled. When your card(s) expire, are lost or stolen and new cards are issued, the charge will be converted into the US dollar amountservice may update relevant card data (Card numbers and expiration dates) to appropriate merchants who participate in an effort to facilitate uninterrupted processing of your recurring charges. Please see the Foreign Transactions section belowThe service provides updates to a Visa® database only. Also, transactions in certain countries may be blocked and will require The database is accessed by those qualified merchants seeking your account information after you have requested they process a manual recurring payment or verbal authorization for approvalpayments. Please check with us prior This service is provided as a free benefit to departure to determine if your destination country is atfectedyou. However, the right to deny such transactions is within our sole discretion and atfected countries may change If at any timetime you wish to opt-out of the VAU service, opt back-in, or if you have any questions, please call ▇▇▇-▇▇▇-▇▇▇▇.