Common use of ATM Card Clause in Contracts

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS® networks, and such other machines or facilities as the Credit Union may designate. For ATM 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 ATM 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. At the present time, you may use your card to: - Make deposits to your share and checking accounts. - Withdraw funds from your share and checking accounts. - Transfer funds from your share and checking accounts. - Obtain balance information for your share and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry PLUS® network logo(s). - Access your Line-of-Credit accounts. The following limitations on ATM Card transactions may apply: - You may withdraw up to a maximum of $500.00 in any one (1) day, if there are sufficient funds in your account. - You may purchase up to a maximum of $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. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS® STAR, and PLUS networks, and such other machines or facilities as the Credit Union may designate. For ATM 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 ATM 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. At the present time, you may use your card to: - Make deposits to your share and checking savings accounts. - Withdraw funds from your share and checking accounts. - Transfer funds from your share and checking accounts. - Obtain balance information for your share and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry PLUS® network logo(s). - Access your Line-of-Credit savings accounts. The following limitations on ATM Card transactions may apply: - You may make 12 cash withdrawals in any one (1) day. - You may withdraw up to a maximum of $500.00 1,000.00 in any one (1) day, if there are sufficient funds in your account. - You may purchase up to a maximum of $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. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS® networks, and such other machines or facilities as the Credit Union may designate. For ATM 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 ATM 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. At the present time, you may use your card to: - Make deposits to your share savings and checking accounts. - Withdraw 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 point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry PLUS® network logo(s). - Access your Line-of-Credit accounts. The following limitations on ATM Card transactions may apply: - You may make 20 cash withdrawals in any one (1) day. - You may withdraw up to a maximum of $500.00 in any one (1) day, if there are sufficient funds in your account. - You may make 20 POS transactions in any one (1) day. - You may purchase up to a maximum of $500.00 5,000.00 from POS terminals 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. - 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 delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS® Cirrus and Pulse networks, and such other machines or facilities as the Credit Union may designate. For ATM 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 this type of transactionstransaction. Services and fees for ATM 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. At the present time, you may use your card to: - • Make deposits to your share checking and checking Share Savings accounts. - • Withdraw funds from your share checking and checking Share Savings accounts. - • Transfer funds from your share checking and checking Share Savings accounts. - • Obtain balance information for your share checking and checking Share Savings accounts. - • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry PLUS® Cirrus and Pulse network logo(s). - Access your Line-of-Credit accounts. The following limitations on ATM Card transactions may apply: - • You may withdraw up to a maximum of $500.00 300.00 in any one (1) day, if there are sufficient funds in your account. - • You may purchase up to a maximum of $500.00 300.00 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. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS® ®, ACCEL, and Co-Op networks, and such other machines or facilities as the Credit Union may designate. For ATM 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 ATM 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. At the present time, you may use your card to: - Make deposits to your share (savings), share draft (checking), and checking money market accounts. - Withdraw funds from your share (savings), share draft (checking), and checking money market accounts. - Transfer funds from your share (savings), share draft (checking), and checking money market accounts. - Obtain balance information for your share (savings), share draft (checking), and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry PLUS® network logo(s). - Access your Line-of-Credit money market accounts. The following limitations on ATM Card transactions may apply: - You may withdraw up to a maximum of $500.00 in any one (1) dayday from an ATM machine, if there are sufficient funds in your account. - You may purchase up to a maximum of $500.00 from POS terminals per dayFor 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. - 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 delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS® Co-Op, STAR, PLUS networks, and such other machines or facilities as the Credit Union may designate. For ATM 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 ATM 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. At the present time, you may use your card to: - Make deposits to your share savings, checking, loan, and checking money market accounts. - Withdraw funds from your share savings, checking, and checking money market accounts. - Transfer funds from your share savings, checking, and checking money market accounts. - Obtain balance information for your share savings, checking, loan, and checking money market accounts. - Make point-of-sale (POS) transactions with loan payments from your card savings, checking, and personal identification number (PIN) to purchase goods or services at POS terminals that carry PLUS® network logo(s)money market accounts. - Access your Line-of-Line of Credit accountsaccount. The following limitations on ATM Card transactions may apply: - You may withdraw up to a maximum of $500.00 400.00 in any one (1) day, if there are sufficient funds in your account. - You may purchase up to a maximum of $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 Funds Availability Policy for the availability of funds deposited. - 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 delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, Pulse and PLUS® networks, and such other machines or facilities as the Credit Union may designate. For ATM 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 ATM 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. At the present time, you may use your card to: - Make deposits to your share and checking accounts. - Withdraw funds from your share savings and checking accounts. - Transfer funds from your share savings and checking accounts. - Obtain balance information for your share savings, checking, and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry PLUS® network logo(s). - Access your Line-of-Credit money market accounts. The following limitations on ATM Card transactions may apply: - You may make up to 20 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, if there are sufficient funds in your account. - You may purchase up to a maximum of $500.00 day from POS terminals per dayan ATM machine, 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. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS® Cirrus, NYCE, Maestro, and CO-OP networks, and such other machines or facilities as the Credit Union may designate. For ATM 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 ATM 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. At the present time, you may use your card to: - Make deposits to your share, share draft, and checking loan accounts. - Withdraw funds from your share, share draft, and checking loan accounts. - Transfer funds from your share, share draft, and checking loan accounts. - Obtain balance information for your share, share draft, and checking loan accounts. - Make point-of-sale (POS) transactions with loan payments from your card share and personal identification number (PIN) to purchase goods or services at POS terminals that carry PLUS® network logo(s). - Access your Line-of-Credit share draft accounts. The following limitations on ATM Card transactions may apply: - You may make ten (10) cash withdrawals in any one (1) day. - You may withdraw up to a maximum of $500.00 in any one (1) day, if there are sufficient funds in your account. - You may purchase make three (3) offline cash withdrawals in any one (1) day. - You may withdraw up to a maximum of $500.00 from POS terminals per 200.00 offline in any one (1) 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. - 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 delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS® STAR and PLUS networks, and such other machines or facilities as the Credit Union may designate. For ATM 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 ATM 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. At the present time, you may use your card to: - Make deposits to your share and checking savings accounts. - Withdraw funds from your share and checking accounts. - Transfer funds from your share and checking accounts. - Obtain balance information for your share and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry PLUS® network logo(s). - Access your Line-of-Credit savings accounts. The following limitations on ATM Card transactions may apply: - You may make twelve (12) cash withdrawals in any one (1) day. - You may withdraw up to a maximum of $500.00 400.00 in any one (1) day, if there are sufficient funds in your account. - You may purchase up to a maximum of $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. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS® networks, and such other machines or facilities as the Credit Union may designate. For ATM 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 ATM 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. At the present time, you may use your card to: - Make deposits to your share savings and checking accounts. - Withdraw 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 point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry PLUS® network logo(s). - Access your Line-of-Credit accounts. The following limitations on ATM Card transactions may apply: - You may withdraw up to a maximum of $500.00 300.00 in any one (1) day, if there are sufficient funds in your account. - You may purchase up to a maximum of $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. Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal.