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, NYCE 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: - Withdraw funds from your share accounts. - Obtain balance information for your share 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 NYCE and Co-Op network logo(s). The following limitations on ATM Card transactions may apply: - There is no limit on the number of cash withdrawals you may make in any one (1) day. - You may withdraw up to a maximum of $1,500.00 in any one (1) day, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - See Section 2 for transfer limitations that may apply to these transactions.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, NYCE ACCEL and Co-Op Cirrus® 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. For e of available balance, refer to the Membership and Account Agreement. At the present time, you may use your card to: - Withdraw funds from your share savings and checking accounts. - Transfer funds from your 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 NYCE ACCEL and Co-Op Cirrus network logo(s). The following limitations on ATM Card transactions may apply: - There is no limit on the number of cash withdrawals you may make in any one (1) day. - You may withdraw up to a maximum of $1,500.00 500.00 in any one (1) day, if there are sufficient available funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - 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.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, NYCE Accel, Alliance One, and CoCO-Op 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: - Withdraw funds from your share savings and checking accounts. - Obtain balance information for Transfer funds from 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 NYCE Accel, Alliance One, and CoCO-Op OP network logo(s). The following limitations on ATM Card transactions may apply: - There is no limit on the number of You may make 25 cash withdrawals you may make in any one (1) day. - You may withdraw up to a maximum of $1,500.00 500.00 in any one (1) day, if there are sufficient funds in your account. - There is no limit on the number of You may make 50 POS transactions you may make in any one (1) day. - You may transfer up to the available balance in your accounts at the time of the transfer. - Your combined POS and cash withdrawals may not exceed 50 in any one (1) day. - You may purchase up to a maximum of the balance in the account from POS terminals per day, if there are sufficient funds in your account. - See Section 2 for transfer limitations that may apply to these transactions.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, NYCE and Co-Op networksPLUS®, Interlink 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: - Withdraw funds from your share and share draft accounts. - Transfer funds from your share and share draft accounts. - Obtain balance information for your share and share draft 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 NYCE and Co-Op PLUS® or Interlink network logo(s). The following limitations on ATM Card transactions may apply: - There is no limit on the number of You may make 13 cash withdrawals you may make in any one (1) day. - You may withdraw up to a maximum of $1,500.00 5,005.00 in any one (1) day, if there are sufficient funds in your account. - There is no limit on the number of You may make 13 POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,500.00 from POS terminals per day with a pin and $5,000.00 per day without a pin, 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.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, NYCE Plus, Visa, and Co-Op STAR 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: - Withdraw funds from your share accounts. - Obtain balance information for your share 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 NYCE and Co-Op network logo(s). The following limitations on ATM Card transactions may apply: - There is no limit on the number of cash withdrawals you may make in any one (1) day. - You may withdraw up to a maximum of $1,500.00 500.00 in any one (1) day, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - See Section 2 for transfer limitations that may apply to these transactions.

ATM Card. If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, NYCE and Co-Op networksPLUS®, Interlink 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: - Withdraw funds from your share and share draft accounts. - Transfer funds from your share and share draft accounts. - Obtain balance information for your share and share draft 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 NYCE and Co-Op PLUS® or Interlink network logo(s). The following limitations on ATM Card transactions may apply: - There is no limit on the number of You may make 13 cash withdrawals you may make in any one (1) day. - You may withdraw up to a maximum of $1,500.00 1,005.00 in any one (1) day, if there are sufficient funds in your account. - There is no limit on the number of You may make 13 POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $1,005.00 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.