Common use of Check Card Clause in Contracts

Check Card. You may use your Card to purchase goods and services from participating merchants. 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 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 for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your share draft account. For 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, 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 automated teller machines of the Credit Union, Advantage, CO-OP and PULSE 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 PULSE 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 to: - Make deposits to your share and share draft accounts. - 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 loan payments from your share and share draft accounts. - Order goods or services by mail or telephone from places that accept VISA. - Purchase goods and services any place your Card is honored by participating merchants. The following limitations on the frequency and amount of Advantage ATM and Check Card transactions may apply: - There is no limit on the number of Advantage ATM and Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - There is no limit to the number of cash withdrawals you may make in any one day from an ATM machine. - 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. - There are daily purchase limits. You will be notified of these limits when you receive the Card.

Check Card. You may use your Card to purchase goods and services from participating merchants. If approved, you may use your Visa® 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 share draft account. For ATM and one-time debit card transactions, you must consent to the Credit Union's ’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 transactiontransactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member's ’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, 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 card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, Advantage, CO-OP and PULSE Networksnetworks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa and PULSE Pulse networks. However, provisions of this Agreement relating only to Visa transactions debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit debit transaction, you may sign a receipt, provide a card number number, or swipe or insert your card through at 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 and share draft accounts. - 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 loan payments from 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 merchants that accept Visa. - Order goods or services by mail or telephone from places that accept VISA. - Purchase goods and services any place your Card is honored by participating merchantsVisa. The following limitations on the frequency and amount of Advantage ATM and Check Card transactions may apply: - There is no limit are daily withdrawal and purchase limits. You will be notified of these limits by the Credit Union before you receive your access card. - For security purposes, there are other limits on the number frequency and amount of Advantage ATM and Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - There is no limit to the number of cash withdrawals you may make in any one day from an ATM machinetransfers 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. - There are daily purchase limits. You will be notified of these limits when you receive the Card.

Check Card. You may use your Card to purchase goods and services from participating merchants. If approved, you may use your Visa® 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 share draft account. For ATM and one-time debit card transactions, you must consent to the Credit Union's ’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 transactiontransactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member's ’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, 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 card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, Advantage, CO-OP and PULSE Networksnetworks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa and PULSE Pulse networks. However, provisions of this Agreement relating only to Visa transactions debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit debit transaction, you may sign a receipt, provide a card number number, or swipe or insert your card through at 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 and share draft accounts. - 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 loan payments from 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 merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept VISA. - Purchase goods and services any place your Card is honored by participating merchantsVisa. The following limitations on the frequency and amount of Advantage ATM and Check Card transactions may apply: - There is no limit For security purposes, there are other limits on the number frequency and amount of Advantage ATM and Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - There is no limit to the number of cash withdrawals you may make in any one day from an ATM machinetransfers 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. - There are daily withdrawal and purchase limits. You will be notified of these limits when by the Credit Union before you receive the Cardyour access card.

Check Card. You may use your Card to purchase goods and services from participating merchants. If approved, you may use your Visa® 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 share draft account. For ATM and one-time debit card transactions, you must consent to the Credit Union's ’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 transactiontransactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member's ’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, 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 card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, AdvantagePulse, CO-OP and PULSE NetworksCirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa and PULSE Transfund networks. However, provisions of this Agreement relating only to Visa transactions debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit debit transaction, you may sign a receipt, provide a card number number, or swipe or insert your card through at 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 and share draft accounts. - 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 loan payments from point-of-sale (POS) transactions with your share card and share draft accountspersonal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept VISA. - Purchase goods and services any place your Card is honored by participating merchantsVisa. The following limitations on the frequency and amount of Advantage ATM and Check Card transactions may apply: - There is no limit on the number You may purchase up to a maximum of Advantage ATM $300.00 (for Student and Check Card purchases you make Fresh Start) and $1,000.00 (for all other account) per day. - Purchase amounts are limited You may withdraw up to the amount in your a maximum of $105.00 (for Student and Fresh Start) and $505.00 (for all other account. - There is no limit to the number of cash withdrawals you may make ) in any one (1) day from an 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. - There are daily purchase limits. You will be notified of these limits when you receive the Card.

Check Card. You may use your Card to purchase goods and services from participating merchants. If approved, you may use your Visa® 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 share draft checking account. For ATM and one-time debit card transactions, you must consent to the Credit Union's ’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 transactiontransactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member's ’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, 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 card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, AdvantageCU Anytime, COPLUS, Pulse, and Co-OP and PULSE NetworksOp networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa Visa, CU Anytime and PULSE Pulse networks. However, provisions of this Agreement relating only to Visa transactions debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit debit transaction, you may sign a receipt, provide a card number number, or swipe or insert your card through at 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, checking, and share draft investment plus accounts. - Withdraw funds from your share savings, checking, and share draft investment plus accounts. - Transfer funds from your share savings, checking, and share draft investment plus accounts. - Obtain balance information for your share savings, checking, and share draft investment plus accounts. - Make loan payments from point-of-sale (POS) transactions with your share card and share draft accountspersonal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept VISA. - Purchase goods and services any place your Card is honored by participating merchantsVisa. The following limitations on the frequency and amount of Advantage ATM and Check Card transactions may apply: - There is no limit on the number of Advantage ATM and Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $410.00 in any one (1) day from an ATM machine, 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. - You may purchase up to a maximum of $2,500.00 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. - There are daily purchase limits. You will be notified of these limits when you receive the Card.

Check Card. You may use your Card to purchase goods and services from participating merchants. 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 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 share draft account. For one-time debit card transactions, you must consent to the Credit Union's ’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 transactiontransactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member's ’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, 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 card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, Advantage, CO-OP and PULSE NetworksTransfund 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 PULSE Pulse, Cirrus 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 and share draft accounts. - 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 loan payments from point-of-sale (POS) transactions with your share card and share draft accountspersonal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept VISA. - Purchase goods and services any place your Card is honored by participating merchantsVisa. The following limitations on the frequency and amount of Advantage ATM and Check Card transactions may apply: - There is no limit on the number You may purchase up to a maximum of Advantage ATM $300.00 (for Student and Check Card purchases you make Fresh Start) and $1,000.00 (for all other accounts) per day. - Purchase amounts are limited You may withdraw up to the amount in your account. - There is no limit to the number a maximum of cash withdrawals you may make $105.00 (for Student and Fresh Start) and $505.00 (for all other accounts) in any one (1) day from an 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. - There are daily purchase limits. You will be notified of these limits when you receive the Card.

Check Card. You may use your Card to purchase goods and services from participating merchants. 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 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 share draft checking account. 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 transactiontransactions. 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, 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 card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines ATMs of the Credit Union, Advantage, CO-OP STAR and PULSE NetworksCirrus 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 Visa, STAR, and PULSE Cirrus 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 and share draft checking accounts. - Withdraw funds from your share and share draft checking accounts. - Transfer funds from your share and share draft checking accounts. - Obtain balance information for your share and share draft checking accounts. - Access your Line of Credit accounts. - Make loan payments from point-of-sale (POS) transactions with your share card and share draft accountspersonal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept VISA. - Purchase goods and services any place your Card is honored by participating merchantsVisa. The following limitations on the frequency and amount of Advantage ATM and Check Card transactions may apply: - There is no limit on the number of Advantage ATM and You may make seven (7) Check Card purchases you make per day. - Purchase amounts are limited You may purchase up to the amount in your accounta maximum of $1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $200.00 in any one (1) day from an 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. - The approximate amount of time needed to make a purchase with your debit card at a merchant terminal and have the transaction posted to your account is three (3) business days. - See Section 2 for transfer limitations that may apply to these transactions. - There are daily purchase limits. You will be notified of these limits when you receive the Card.