Common use of Your Option to Limit Cash Withdrawals Clause in Contracts

Your Option to Limit Cash Withdrawals. In addition to dollar amount limitations for withdrawals using your ATM Card or MasterMoneyTM Debit Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM Card or MasterMoneyTM Debit Card and/or code to $50.00 per day or some other amount acceptable to us. ATM Transfers – types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or MasterMoneyTM Debit Card and personal identification number to:  Make deposits to checking account(s) or statement savings, money market account(s) with an ATM Card or MasterMoneyTM Debit Card at any Washington Savings Bank ATM.  Make cash withdrawals from checking account(s) or statement savings account(s) with an ATM Card - you may withdraw no more than $305.00 per day  Make cash withdrawals from checking account(s) or statement savings, account(s) with a MasterMoneyTM Debit Card - you may withdraw no more than $305.00 per day  Make inquiries regarding the balance on your checking account(s) or statement savings account(s) with an ATM or MasterMoneyTM Debit Card Some of these services may not be available at all terminals Please also see the Limitations on Frequency of Transfers section regarding limitations that apply to savings accounts. Types of ATM Card Point-of-Sale Transactions – You may access your checking or statement savings to purchase goods (in person) or pay for services (in person) from participating merchants who have agreed to accept our access device. Point of Sale Dollar Limitations and charges - Using your card:  You may not exceed $750.00 in transactions per day  If your available funds are less than your daily withdrawals or purchase limits, you can only withdraw or make purchases up to the lesser amount Some of these services may not be available at all terminals Types of MasterMoneyTM Debit Card Point-of- Sale Transactions – You may access your checking account(s) to purchase goods (in person, by phone or via the Internet), pay for services (in person, by phone or via the Internet) get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that can be done with a credit card (that a participating merchant will accept with a credit card).

Your Option to Limit Cash Withdrawals. In addition to dollar amount limitations for withdrawals using your ATM Card or MasterMoneyTM Debit Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM Card or MasterMoneyTM Debit Card and/or code to $50.00 per day or some other amount acceptable to us. ATM Transfers – types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or MasterMoneyTM Debit Card and personal identification number to:  Make deposits to checking account(s) or statement savings, money market account(s) with an ATM Card or MasterMoneyTM Debit Card at any Washington Savings Bank ATM.  Make cash withdrawals from checking account(s) or statement savings account(s) with an ATM Card - you may withdraw no more than that $305.00 505.00 per day  Make cash withdrawals from checking account(s) or statement savings, account(s) with a MasterMoneyTM Debit Card - you may withdraw no more than $305.00 505.00 per day  Make inquiries regarding the balance on your checking account(s) or statement savings account(s) with an ATM or MasterMoneyTM Debit Card There is a $1.25 Card Activity Charge per transaction for withdrawals and inquiries made at an ATM other than Washington Savings Bank using an ATM Card or MasterMoneyTM Debit Card. Some of these services may not be available at all terminals Please also see the Limitations on Frequency of Transfers section regarding limitations that apply to savings accounts. Types of ATM Card Point-of-Sale Transactions – You may access your checking or statement savings to purchase goods (in person) or pay for services (in person) from participating merchants who have agreed to accept our access device. Point of Sale Dollar Limitations and charges - Using your card:  You may not exceed $750.00 500.00 in transactions per day  If your available funds are less than your daily withdrawals or purchase limits, you can only withdraw or make purchases up to the lesser amount Some of these services may not be available at all terminals Types of MasterMoneyTM Debit Card PointPoint- of-of- Sale Transactions – You may access your checking account(s) to purchase goods (in person, by phone or via the Internet), pay for services (in person, by phone or via the Internet) get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that can be done with a credit card (that a participating merchant will accept with a credit card).

Your Option to Limit Cash Withdrawals. In addition to dollar amount limitations for withdrawals using your ATM Card or MasterMoneyTM Debit Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM Card or MasterMoneyTM Debit Card and/or code to $50.00 per day or some other amount acceptable to us. ATM Transfers – types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or MasterMoneyTM Debit Card and personal identification number to:  ● Make deposits to checking account(s) or statement savings, money market account(s) with an ATM Card or MasterMoneyTM Debit Card at any Washington Savings Bank ATM.  ● Make cash withdrawals from checking account(s) or statement savings account(s) with an ATM Card - you may withdraw no more than that $305.00 505.00 per day  ● Make cash withdrawals from checking account(s) or statement savings, account(s) with a MasterMoneyTM Debit Card - you may withdraw no more than $305.00 505.00 per day  ● Make inquiries regarding the balance on your checking account(s) or statement savings account(s) with an ATM or MasterMoneyTM Debit Card There is a $1.25 Card Activity Charge per transaction for withdrawals and inquiries made at an ATM other than Washington Savings Bank using an ATM Card or MasterMoneyTM Debit Card. Some of these services may not be available at all terminals Please also see the Limitations on Frequency of Transfers section regarding limitations that apply to savings accounts. Types of ATM Card Point-of-Sale Transactions – You may access your checking or statement savings to purchase goods (in person) or pay for services (in person) from participating merchants who have agreed to accept our access device. Point of Sale Dollar Limitations and charges - Using your card:  ● You may not exceed $750.00 500.00 in transactions per day  ● If your available funds are less than your daily withdrawals or purchase limits, you can only withdraw or make purchases up to the lesser amount Some of these services may not be available at all terminals Types of MasterMoneyTM Debit Card PointPoint- of-of- Sale Transactions – You may access your checking account(s) to purchase goods (in person, by phone or via the Internet), pay for services (in person, by phone or via the Internet) get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that can be done with a credit card (that a participating merchant will accept with a credit card).

Your Option to Limit Cash Withdrawals. In addition to dollar amount limitations for withdrawals using your ATM Card or MasterMoneyTM Debit Card and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM Card or MasterMoneyTM Debit Card and/or code to $50.00 per day or some other amount acceptable to us. ATM Transfers – types of transfers, dollar limitations, and charges - You may access your account(s) by ATM using your ATM card and personal identification number or MasterMoneyTM Debit Card and personal identification number to:  ⚫ Make deposits to checking account(s) or statement savings, money market account(s) with an ATM Card or MasterMoneyTM Debit Card at any Washington Savings Bank ATM.  ⚫ Make cash withdrawals from checking account(s) or statement savings account(s) with an ATM Card - you may withdraw no more than that $305.00 505.00 per day  ⚫ Make cash withdrawals from checking account(s) or statement savings, account(s) with a MasterMoneyTM Debit Card - you may withdraw no more than $305.00 505.00 per day  ⚫ Make inquiries regarding the balance on your checking account(s) or statement savings account(s) with an ATM or MasterMoneyTM Debit Card There is a $1.25 Card Activity Charge per transaction for withdrawals and inquiries made at an ATM other than Washington Savings Bank using an ATM Card or MasterMoneyTM Debit Card. Some of these services may not be available at all terminals Please also see the Limitations on Frequency of Transfers section regarding limitations that apply to savings accounts. Types of ATM Card Point-of-Sale Transactions – You may access your checking or statement savings to purchase goods (in person) or pay for services (in person) from participating merchants who have agreed to accept our access device. Point of Sale Dollar Limitations and charges - Using your card:  ⚫ You may not exceed $750.00 500.00 in transactions per day  ⚫ If your available funds are less than your daily withdrawals or purchase limits, you can only withdraw or make purchases up to the lesser amount Some of these services may not be available at all terminals Types of MasterMoneyTM Debit Card PointPoint- of-of- Sale Transactions – You may access your checking account(s) to purchase goods (in person, by phone or via the Internet), pay for services (in person, by phone or via the Internet) get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that can be done with a credit card (that a participating merchant will accept with a credit card).

Your Option to Limit Cash Withdrawals. In addition to dollar amount limitations for withdrawals using your ATM Card or card and MasterMoneyTM Debit Card cards and/or code that we may establish, you have the option to limit the amount of cash that can be withdrawn by your ATM Card or card and MasterMoneyTM Debit Card card and/or code to $50.00 per day or some other amount acceptable to us. ATM Transfers – types of transfers, dollar limitations, and charges - – You may access your account(s) by ATM using your ATM card and personal identification number or MasterMoneyTM Debit Card and personal identification number number, to:  Make • make deposits to checking account(s) or • make deposits to statement savings, money market /MMDA account(s) with an ATM Card or MasterMoneyTM Debit Card at any Washington Savings Bank ATM.  Make • get cash withdrawals from checking account(s) or statement savings account(s) with an ATM Card - – you may withdraw no more than $305.00 350.00 per day  Make day, per card, up to your available balance – there is a charge of $1.00 per withdrawal at ATMs we do not own or operate • get cash withdrawals from checking statement savings/MMDA account(s) or statement savings, account(s) with a MasterMoneyTM Debit Card - – you may withdraw no more than $305.00 350.00 per day  Make inquiries regarding the day, per card, up to your available balance on your – there is a charge of $1.00 per withdrawal at ATMs we do not own or operate • transfer funds from statement savings/MMDA account(s) to checking account(s) – there is a charge of $1.00 per transfer at ATMs we do not own or operate • transfers funds from checking to statement savings savings/MMDA account(s) with an – there is a charge of $1.00 per transfer at ATMs we do not own or operate • get information about: – the account balance of your checking accounts • there is a charge of $1.00 per inquiry at ATMs we do not own or operate – the account balance of your statement savings/MMDA account(s) • see your NOW and checking account disclosures for additional information on ATM or MasterMoneyTM Debit Card fees Some of these services may not be available at all terminals terminals. Please also see the Limitations on Frequency frequency of Transfers transfers section regarding limitations that apply to savings accountsATM transfers. Types of ATM Card Point-of-Sale Transactions – You may access your checking or statement savings account(s) to purchase goods (in person) or ), pay for services (in person) ), and get cash from a merchant, if the merchant permits, or from a participating merchants who have agreed to accept our access devicefinancial institution. Point of Point-of-Sale Dollar Limitations and charges - Transactions – dollar limitations – Using your card:  • You may not exceed $750.00 350.00 in transactions per day  If your available funds are less than your daily withdrawals or purchase limitsday, you can only withdraw or make purchases per card, up to the lesser amount Some of these services may not be available at all terminals balance in your account Types of MasterMoneyTM Debit Card Point-of- of-Sale Transactions – You may access your checking account(s) to purchase goods (in person, online, or by phone or via the Internetphone), pay for services (in person, online, or by phone or via the Internet) phone), get cash from a merchant, if the merchant permits, or from a participating financial institution, and do anything that can be done with a credit card (that a participating merchant will accept accept. Point-of-Sale Transactions - dollar limitation – Using your card: • You may not exceed $500.00 in transactions per day, per card, up to the available balance in your account Please also see Limitations on frequency of transfers section regarding limitations that apply to debit card transactions. Currency Conversion and Cross-Border Transaction Fees. If you effect a transaction with your MasterMoneyTM Debit Card in a credit card)currency other than US Dollars, MasterCard will convert the charge into a US Dollar amount. The MasterCard currency conversion procedure includes use of either a government-mandated exchange rate, or a wholesale exchange rate selected by MasterCard. The exchange rate MasterCard uses will be a rate in effect on the day the transaction is processed. This rate may differ from the rate in effect on the date of purchase or the date the transaction was posted to your account. MasterCard charges us a Currency Conversion Assessment of 20 basis points (.2% of the transaction) for performing the currency conversion. In addition, MasterCard charges us an Issuer Cross-Border Assessment of 90 basis points (.9% of the transaction) in all cross-border transactions regardless of whether there is a currency conversion. As a result, we charge you a Currency Conversion fee of .2% and a Cross-Border Transaction fee of .9%. The Cross-Border Transaction fee is charged on all cross-border transactions regardless of whether there is a currency conversion. A cross- border transaction is a transaction processed through the Global Clearing Management System or the MasterCard Debit Switch in which the country of the merchant is different than the country of the cardholder. Advisory Against Illegal Use. You agree not to use your card(s) for illegal gambling or other illegal purpose. Display of a payment card logo by, for example, an online merchant does not necessarily mean that transactions are lawful in all jurisdictions in which the cardholder may be located.