Common use of EFT SERVICES Clause in Contracts

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard Debit Card. You may use your Card to purchase goods and services anyplace Mastercard is honored by 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 member 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. 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 “Rate Addendum and 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 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 payment of any overdrafts together with any service charges to the Credit Union according to the overdraft protection plan. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs of the Credit Union or through networks at other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions through various networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard 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 MasterCard 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 savings, checking and money market accounts.  Withdraw funds from your savings, checking and money market accounts.  Transfer funds between your savings, checking and money market accounts.  Obtain balance information for your savings, checking and money market accounts.  Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Mastercard.  Order goods or services by mail, telephone or online from places that accept Mastercard. The following limitations on the frequency and amount of Mastercard Debit Card transactions may apply:  Purchase amounts are limited to the amount in your account.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, if there are sufficient funds in your account.  There is no limit on the number of POS transactions you may make in any one day.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 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 “transfer limitations” that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard Debit ATM Card. You If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, CO-OP networks, and such other machines or facilities as the Credit Union may designate. For ATM transactions, you must consent 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, money market accounts. ❖ Withdraw funds from your share, share draft, and money market accounts. ❖ Transfer funds from your share, share draft, and money market accounts. ❖ Obtain balance information for your share, share draft, loan, and money market accounts. ❖ Make loan payments from your share, share draft, and money market accounts. ❖ Access your Overdraft 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 from an ATM machine unless the ATM has limit on the amount that it dispense. ❖ You are allowed six (6) aggregate number of PIN transactions per day. ❖ You can withdraw for free six (6) times per month from NYU Federal Credit Union ATMs and CO-OP ATM Network ATMs. For all other withdrawals, the credit union charges $1.00 per transaction, which is added to the surcharge charged by the non NYU FCU ATM. ❖ See “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. Mastercard Check Card. If approved, you may use your card to purchase goods and services anyplace Mastercard is honored by 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 member 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 Savings and 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 “Rate Addendum Addendum, Truth in Savings Disclosures and Schedule of Fees and Charges.” . For other types of transactionstransaction, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union will 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 according to the overdraft protection plan. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs ATMs of the Credit Union or through networks at Union, Mastercard, CO-OP networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Mastercard card without a PIN for certain transactions through various on the Mastercard CO-OP, and Fidelity networks. However, provisions provision of this Agreement relating only to MasterCard transactions Mastercard debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-MasterCard Mastercard networks. To initiate a MasterCard Debit Mastercard 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 MasterCard Mastercard 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 savings, checking and money market accounts.  ❖ Withdraw funds from your savings, checking and money market share draft accounts.  Transfer funds between your savings, checking and money market accounts.  ❖ Obtain balance information for your savings, checking and money market share draft accounts.  ❖ Access your Overdraft Line of Credit accounts. ❖ Make POS (Pointa point-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 Mastercard.  Order goods or services by mail, telephone or online ❖ Online purchases from places that accept Mastercard. The following limitations on the frequency and amount of Mastercard Debit Card transactions may apply:  ❖ There is no limit on the number of Debit Card purchases you make per day. ❖ Purchase amounts are limited to the amount in your account.  ❖ You are allowed 10 aggregate POS transactions in any one (1) day. ❖ You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, if there are sufficient funds in your account.  There is no limit on the number of POS transactions you may make in any one day.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 1,000.00 from POS terminals per day, if there are sufficient funds in your accountday without prior notification.  You may transfer up to the available balance in your accounts at the time of the transfer.  ❖ See “transfer limitations” that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard MasterCard Debit Card. You may use your Card to purchase goods and services anyplace Mastercard MasterCard is honored by 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 member 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. 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 “Rate Addendum and 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 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 according to the overdraft protection planUnion. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs ATMs of the Credit Union or through networks at credit union, Accel, AMEX, CU24, Discover, MasterCard/Cirrus, NETS, Pulse, Star, VISA/Plus networks, and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your card without a PIN for certain transactions through various on the VISA/Plus, Star and CU24 HERE networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard 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 MasterCard 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 savings, checking share and money market share draft accounts.  ❖ Withdraw funds from your savings, checking share and money market share draft accounts.  ❖ Transfer funds between from your savings, checking share and money market share draft accounts.  ❖ Obtain balance information for your savings, checking share and money market share draft accounts.  ❖ Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept MastercardMasterCard.  ❖ Order goods or services by mail, mail or telephone or online from places that accept MastercardMasterCard. The following limitations on the frequency and amount of Mastercard MasterCard Debit Card transactions may apply:  Purchase amounts are limited to the amount in your account.  ❖ You may purchase withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make 500.00 in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITMATM 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 day.  ❖ You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 750.00 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.  ❖ For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. ❖ See “transfer limitations” that may apply to these section for any transactions. XXXX (Telephone Access to Member Information)Audio Response. If we approve XXXX Audio Response for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX Audio Response to:  ❖ Withdraw funds by check from your share and share draft accounts. ❖ Transfer funds from your share, checkingshare draft, and money market club accounts.  Transfer funds between ❖ Obtain balance information for your share, checking, share draft and money market club accounts.  Obtain balance information ❖ Verify the last date and transaction history for amount of your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgagespayroll deposit.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts❖ Determine if a particular item has cleared. Your accounts can be accessed under XXXX Audio Response via a touch tone telephone only. XXXX Audio Response will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  ❖ There is no limit to the number of inquiries, transfers, or withdrawal requests inquiries you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  ❖ See “transfer limitations” that may apply to these section for any transactions. The Credit Union reserves the right to 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. All checks are payable to the you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on recordthe amount of any transaction, and you will be notified of those limits. The Credit Union 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 telephone call. The Credit Union Online Banking. If we approve Online Banking for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time, you may use Online Banking to: ❖ Withdraw funds from your share and share draft accounts. ❖ Transfer funds from your share, share draft, investment club and vacation club accounts. ❖ Obtain balance information for your share, share draft and club accounts. ❖ Make loan payments from your share and share draft accounts. ❖ Determine if a particular item has cleared. ❖ Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts. ❖ Verify the last date and amount of your payroll deposit. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to 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. All checks are payable to you as a primary member and will be mailed to your address of record. 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. ❖ There is no limit to the number of inquiries you may make in any one day. ❖ See “transfer limitations” that may apply to these transactions.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard Debit Card. You may use your Mastercard Debit Card to purchase goods and services anyplace Mastercard is honored by 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 the card member number security information before you will be permitted to complete the transaction. You agree that you will not use your Debit Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Debit Card purchases will be deducted from your checking account. 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 “Rate Addendum and Schedule of Fees and Charges.” For other types of transactions, if If the balance in your account is not sufficient to pay the transaction amount, the Credit Union will may pay the amount and treat the transaction as a request to transfer funds from approved Overdraft Protection accounts, or other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union, or, if you have so elected, to cover the transaction with Courtesy Pay. 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 according to the overdraft protection plan. In the event of repeated overdrafts, the Credit Union may terminate all services under this AgreementUnion. You may use your card Debit Card and personal identification number (PIN) in ATM/ITMs of the PIN at Credit Union or through networks at other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions through various networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through nonUnion-MasterCard networks. To initiate a MasterCard Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal owned ATMs and choose to route the transaction over a MasterCard network. Please refer to the Member Liability section of this Agreement for terms and conditionsparticipating nonproprietary ATMs. At the present time, you may also use your Debit Card to:  Make deposits to your savings, checking and money market accounts.  • Withdraw funds from your savings, checking and money market accounts.  ; • Transfer funds between your savings, checking and money market accounts.  accounts whenever you request; • Obtain balance information for on your savings, checking and money market accounts.  ; • Make POS (Point-of-Point of Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept transactions routed through the networks listed on the back of your Debit Card; • Make POS signature-based transactions routed through Mastercard.  ; • Pay bills or make other transactions on Non-Mastercard Networks without a PIN*; or • Order goods or services by mail, telephone telephone, or online via the Internet from places that accept Mastercard. Some services on 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. *Non-Mastercard PIN-less transactions will not be processed as Mastercard transactions and therefore will not include Mastercard's zero liability or chargeback and dispute resolution benefits. Additionally, provisions of this agreement relating only to Mastercard transactions are not applicable to non-Mastercard and PIN-less debit transactions. The following limitations on the frequency and will apply to your Debit Card: • The maximum dollar amount of Mastercard Debit Card transactions may apply:  Purchase amounts are limited to the amount cash withdrawals per day will be provided when you open your account and listed in your accountRate Schedule; • Sufficient funds must be available to make any withdrawal.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, if there are sufficient funds in your account.  There is no limit on the number of POS transactions you may make in any one day.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 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 “transfer limitations” that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  ; • There is no limit to the number of inquiries, transfers, or withdrawal requests purchases you may make in any one (1) day.  Withdrawal/Transfers ; however, Point-of Sale purchases are limited to dollar limit listed above; • The maximum dollar amount for ATM withdrawals per day is $1000.00; • The maximum dollar amount for Point-of-Sale (POS) purchase per day is $3000.00; • Your available account balance may be reduced for preauthorization’s for 3 business days or until the balance transaction clears; • Please see the Credit Union's website or the mobile app for a listing of Network ATMs in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves area; and • Additional limitations are set forth in the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limitsTRANSFER LIMITATIONS provision contained herein.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard Debit Card. You may use your Card to purchase goods and services anyplace Mastercard is honored by 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 member 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. 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 “Rate Addendum and Schedule of Fees and Charges.” For other types of transactions, if If the balance in your account is not sufficient to pay the transaction amount, the Credit Union 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 according to the overdraft protection planUnion. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card Card and personal identification number PIN (PINPersonal Identification Number) in ATM/ITMs automated teller machines of the Credit Union Union, Cirrus, Maestro, STAR, Co-Op, Mastercard, or through networks at Visa terminals, 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 through various networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard 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 MasterCard 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 savings, share and checking and money market accountsaccounts but only at machines that accept deposits.  • Withdraw funds from your savings, share and checking and money market accounts.  • Transfer funds between from your savings, share and checking and money market accounts.  • Obtain balance information for your savings, share and checking and money market accounts.  Make • Conduct Debit Purchase or POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Mastercard.  Order • Conduct Credit Purchase transactions with your Card to purchase goods or services at merchants that accept Mastercard. Some merchants do not require a Signature to be verified for smaller dollar amounts. Some merchants prompt to enter a PIN with your chip card for verification.• Conduct Credit Purchase transactions to order goods or services by mail, telephone telephone, computer or online other internet accessible device from places merchants that accept Mastercard. The following Your Card may be used for lawful transactions only. You agree that use of your Card for illegal transactions (including but not limited to Unlawful Internet Gambling) will be deemed a default and/or breach of this Agreement and may result in the termination of this Agreement. If you use your Account for illegal transactions, you waive any right to sue us for any activity directly or indirectly related to such transactions. You also agree to indemnify and hold us harmless from any legal action or liability, directly or indirectly resulting from any illegal transactions. See our Rate Schedule and Fee Schedule for limitations on the frequency and amount of Mastercard Debit Card transactions transactions. Because of the servicing schedule and processing time required in ATM operations, there may apply:  Purchase amounts are limited be a delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. Mastercard Gift 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. The Card may not be used for recurring payments, non-financial money exchange establishments and gambling establishments. The Card is not a credit card and may not be reloaded. You may only use it when there is a balance remaining on the Card and only up to the amount in left on the Card. Purchases will be deducted from your accountCard until the value reaches zero.  If a transaction initiated by you exceeds the remaining balance on the Card, you must tell the merchant before completing the transaction. Any transaction attempted for more than the amount available on the Card will be declined. If you are given value through the use of the Card greater than the balance remaining, you will pay us on demand the amount by which your transactions exceeded the balance remaining on the Card. Telephone Banking (Audio Response) You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, if there are sufficient funds in your account.  There is no limit on the number of POS transactions you may make in any one day.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 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 “transfer limitations” that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your Audio Response PIN (Personal Identification Number) along with your account number to access your accounts. At the present time time, you may also use XXXX the audio response system to:  Withdraw • Change your PIN, check your account balances, transfer funds, make a loan payment, withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, advance a loan or find out if a specific share certificates draft has cleared and loan accounts, excluding VISA, student loans more. The following limitations on the frequency and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. amount of audio response transactions may apply: • Your accounts can may only be accessed under XXXX via a touch tone telephone onlytouchtone telephone. XXXX will be available • See Section 2 for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” limitations that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.

EFT SERVICES. If approvedDEBIT CARD -If we issue you a Debit Card, you may conduct use it for the types of services noted below and the following provisions will be applicable: Using Your Debit Card and Personal Identification Number ("PIN"). In order to assist us in maintaining the security of your account and the terminals, the debit card ("Debit Card") remains our property and may be revoked or canceled at any one or more time without giving you prior notice. We may, at our sole discretion, refuse to complete any transaction that would cause your account balance to go below zero, subject to any overdraft protection limit that applies to your account. If we elect to pay any such transaction, you agree to pay us the amount of the EFT services offered transaction and any applicable fees. We may, at our sole discretion, charge the transaction to or debit the transaction from another one of your accounts. We also reserve the right to refuse to authorize any Debit Card transaction that would exceed your available balance at the time the transaction is initiated. Certain transactions involving your Debit Card require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify Arvest Bank immediately if your Debit Card is lost or stolen, or if the secrecy of your PIN is compromised. You also agree: (i) not to reveal your PIN to any person not authorized by the Credit Union. Mastercard you to use your Debit Card; and (ii) not to write your PIN on your Debit Card or on any other item kept with your Debit Card. We have the right to refuse a transaction on your account when your Debit Card or PIN has been reported lost or stolen, or when we suspect there is unusual activity on your account, or if we suspect the transaction is the result of unauthorized or fraudulent account activity. The security of your account depends upon you maintaining possession of your Debit Card and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. Call us at 0-000-000-0000 for information on changing your PIN. Automated Teller Machine (ATM} Services -The following services are available through the use of your Debit Card: • You may withdraw cash from your checking account(s), savings account(s), and money market account(s). • You may make deposits into your checking account(s), savings account(s), and money market account(s). • You may transfer funds between your checking account(s), savings account(s), and money market account(s). • You may make balance inquiries on your checking account(s), savings account(s), and money market account(s). Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions. Besides being able to use your Debit Card at our ATM terminals, you may access your accounts through the following networks: Maestro, Interlink, Plus or Visa. When you use an ATM not owned by us, you may be charged a fee by the ATM operator for any network used, and you may be charged a fee for a balance inquiry even if you do not complete a fund transfer. Point-of-Sale (POS) Transactions -You may use your Debit Card to purchase goods and services anyplace Mastercard from merchants that have arranged to accept the card as a means of payment (these merchants are referred to as "Participating Merchants"). Some Participating Merchants may permit you to receive cash back as part of your purchase. Purchases made with your Debit Card, including any purchase where you receive cash, are referred to as "Point-of-Sale" transactions and will cause your "designated account" to be debited for the amount of the purchase. The designated account for debit card transactions is honored by your checking account linked to your card. In addition, your Debit Card may be used at any merchant that accepts Visa® debit cards for the purchase of goods and services. Your Debit Card may also be used to obtain cash from your designated account at participating merchantsfinancial institutions. Each time you use your Debit Card, the amount of the transaction will be debited from your designated account. Normally, your available balance will be reduced to reflect ATM transactions and everyday debit card transactions at or near the time the transaction is initiated. However, you may ATM transactions and debit card transactions, including everyday debit card transactions and recurring debit card transactions, are not use paid until those transactions are presented to the bank for payment during the nightly posting process and decisions on charging an Overdraft or Insufficient Fund fees or returning such transactions will be made at that time. We have the right to return any check or other item presented to the bank for payment from your card to initiate any type of gambling transactionaccount when your account balance is negative. We may, but do not have to, allow transactions which exceed your available account balance or, if applicable, your available overdraft protection. If you wish to pay for goods or services over the Internet, you may be required to provide card member 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. 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 “Rate Addendum and 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 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 Accountwe do, you agree to make payment pay the overdraft. Currency Conversion - Visa•. When you use your Debit Card at a merchant that settles in currency other than U.S. dollars, the charge will be converted into the U.S. dollar amount. The currency conversion rate used to determine the transaction amount in U.S. dollars is a rate selected by Visa® from a range of rates available in wholesale currency markets for the applicable central processing date, which rate may vary from the rate Visa® itself receives, or the government- mandated rate in effect for the applicable central processing date, in each instance, plus or minus any overdrafts together with any service adjustment determined by the issuer. The conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or the posting date. IMPORTANT ADDITIONAL FEE NOTICE. Visa® charges an International Service Assessment Fee on all international transactions. Your Debit Card purchase will be subject to the Credit Union according to Visa® International Service Assessment (ISA) Fee of 1.000% of the overdraft protection plantransaction amount when there is a currency conversion. In If there is no currency conversion (the event of repeated overdraftstransaction is completed in the same currency as your country), the Credit Union ISA Fee will be 1.000% of the transaction amount. Arvest Bank does not determine the currency conversion rate or the amount of the transaction in U.S. dollars. Your account will be charged the transaction amount as determined by Visa®, plus the 1.000% currency conversion fee. We reserve the right to restrict or block any international transaction. For more information, please see the Limitations on EFT Services below. ACCOUNT INFORMATION LINE (AIL) - You may terminate all services under this Agreementuse your access code to perform the following functions through our telephone banking solution: • Initiate transfers of funds between your Arvest Bank checking, money market and savings account(s). • Make balance inquiries on your Arvest Bank checking, money market and savings account(s). • Verify incoming direct deposit amounts or the credits and debits that have posted to your account(s). • Make a payment on your consumer loan. Account Transfer limit. You may use your card and personal identification number (PIN) in ATM/ITMs of the Credit Union or through networks at other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions through various networks. However, provisions of this Agreement relating Access Code to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard 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 MasterCard 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 savings, checking and money market accounts.  Withdraw funds from your savings, checking and money market accounts.  Transfer funds between your savings, checking and money market accounts.  Obtain balance information for your savings, checking and money market accounts.  Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Mastercard.  Order goods or services by mail, telephone or online from places that accept Mastercard. The following limitations on the frequency and amount of Mastercard Debit Card transactions may apply:  Purchase amounts are limited to the amount in your account.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, if there are sufficient funds in your account.  There is no limit on the number of POS transactions you may make in any one day.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card from POS terminals per day, if there are sufficient funds in your account.  You may transfer up to the available balance in $10,000 between your accounts at the time of the transfer.  See “transfer limitations” that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, during a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per business day. This service limit applies to each account. We may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to refuse any transaction which would draw upon insufficient funds, exceed a credit change this limit, lower an account below a required balancein our sole discretion, or otherwise require us to increase our required reserve on the account. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union may refuse to honor at 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limitstime.

EFT SERVICES. If approved, you may conduct any one (1) or more of the EFT services offered by the Credit Union. Mastercard Debit  Visa Check Card. You may use your Card to purchase goods and services anyplace Mastercard is honored by 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 member 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. 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 used to capture the member’s opt-in choice for overdraft protection and the “Rate Addendum and Schedule of Fees and Charges.” . For other types type of transactions, if the balance in your account is not sufficient to pay for the transaction amount, the Credit Union will 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 according to the overdraft protection planUnion. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card Card and personal identification number PIN (PINPersonal Identification Number) in ATM/ITMs automated teller machines of the Credit Union or through networks at Union, Cirrus 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 through various on the VISA, ACCEL/Exchange, STAR, and Cirrus networks. However, provisions of this Agreement relating to MasterCard VISA transactions do not apply to transactions processed through thru non-MasterCard VISA networks. To initiate a MasterCard 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 MasterCard 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 savings, checking and money market accounts.  Withdraw funds from your savings, checking and money market accounts.  Transfer funds between your savings, checking and money market accounts.  Obtain balance information for your savings, checking and money market accounts.  Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Mastercard.  Order goods or services by mail, telephone or online from places that accept Mastercard. The following limitations on the frequency and amount of Mastercard Debit Card transactions may apply:  Purchase amounts are limited to the amount in your account.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, if there are sufficient funds in your account.  There is no limit on the number of POS transactions you may make in any one day.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 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 “transfer limitations” that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.:

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Unioncredit union. Mastercard MASTERCARD® Debit Card. You may use your Mastercard Debit Card to purchase goods and services anyplace Mastercard is honored by 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 the card member number security information before you will be permitted to complete the transaction. You agree that you will not use your Debit Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Debit Card purchases will be deducted from your checking account. 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 “Rate Addendum and Schedule of Fees and Charges.” For other types of transactions, if If the balance in your account is not sufficient to pay the transaction amount, the Credit Union will credit union may pay the amount and treat the transaction as a request to transfer funds from approved Overdraft Protection accounts, or other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Unioncredit union, or, if you have so elected, to cover the transaction with Courtesy Pay. 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 according to the overdraft protection plan. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreementcredit union. You may use your card Debit Card and personal identification number (PIN) in ATM/ITMs of the Credit Union or through networks PIN at other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions through various networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through noncredit union-MasterCard networks. To initiate a MasterCard Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal owned ATMs and choose to route the transaction over a MasterCard network. Please refer to the Member Liability section of this Agreement for terms and conditionsparticipating nonproprietary ATMs. At the present time, you may also use your Debit Card to:  Make deposits to your savings, checking and money market accounts.  • Withdraw funds from your savings, checking and money market accounts.  accounts • Transfer funds between your savings, checking and money market accountsaccounts whenever you request.  • Obtain balance information for on your savings, checking and money market accounts.  • Make POS (Point-of-Point of Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Mastercardtransactions routed through the networks listed on the back of your Debit Card.  • Make POS signature-based transactions routed through MASTERCARD® . • Pay bills or make other transactions on Non-Mastercard Networks without a PIN* • Order goods or services by mail, telephone telephone, or online via the Internet from places that accept MASTERCARD®. Some services on 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. *Non-Mastercard PIN-less transactions will not be processed as Mastercard transactions and therefore will not include Mastercard's zero liability or chargeback and dispute resolution benefits. Additionally, provisions of this agreement relating only to Mastercard transactions are not applicable to non-Mastercard and PIN-less debit transactions. The following limitations on the frequency and will apply to your Debit Card: • The maximum dollar amount of Mastercard Debit Card transactions may apply:  Purchase amounts are limited to the amount cash withdrawals per day will be provided when you open your account and listed in your accountRate Schedule.  You may purchase up Sufficient funds must be available to a maximum of $3,500 or $5,000 for the World Debit Card per daymake any withdrawal.  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, if there are sufficient funds in your account.  There is no limit on the number of POS transactions you may make in any one day.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 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 “transfer limitations” that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  • There is no limit to the number of inquiries, transfers, or withdrawal requests purchases you may make in any one (1) day.  Withdrawal/Transfers ; however, • Point-of-sale transactions are limited to the amounts specified in the Rate Schedule. • Your available account balance may be reduced for preauthorization’s for 3 business days or until the transaction clears. . Please see the credit union's website or the mobile app for a listing of Network ATMs in your accountsarea.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves • Additional limitations are set forth in the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limitsTRANSFER LIMITATIONS provision contained herein.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Unioncredit union. Mastercard Debit ATM Card. You If approved, you may use your Card to purchase goods card and services anyplace Mastercard is honored by participating merchantspersonal identification number (PIN) in automated teller machines (ATMs) of the credit union, NYCE Network, PLUS Network, CO-OP Network and such other machines or facilities as the credit union may designate. HoweverFor ATM transactions, you may not use your card must consent to initiate any type of gambling transaction. If you wish the Credit Union’s overdraft protection plan in order for the transaction amount to pay for goods or services over be covered under the Internet, you may be required to provide card member 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 accountplan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types this type of transaction. 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 “Rate Addendum and Schedule of Fees and Charges.” For other types of transactions. At the present time, if the balance in you may use your account is not sufficient card to: • Make deposits to pay the transaction amount, the Credit Union will pay the amount your savings accounts at designated credit union ATM machines or certain designated CO-OP Network and treat the transaction as a request to transfer NYCE Networks. • Withdraw funds from other deposit your savings accounts, approved overdraft protection accounts or loan accounts that you have established . • Obtain balance information for your savings accounts. • Make point-of-sale (POS) transactions with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make payment of any overdrafts together with any service charges to the Credit Union according to the overdraft protection plan. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs of the Credit Union to purchase goods or through networks services at other machines or facilities as the Credit Union may designatePOS terminals that carry NYCE, PLUS Network logo(s). In addition, you may use your card without a PIN for certain transactions through various networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard Debit transaction, you may sign a receipt, provide a card number or swipe your card through a • Make point-of-sale (POS) terminal and choose to route the transaction over a MasterCard networkDirect Debit Bill Payments using your card at participating NYCE vendors. 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 savings, checking and money market accounts.  Withdraw funds from your savings, checking and money market accounts.  Transfer funds between your savings, checking and money market accounts.  Obtain balance information for your savings, checking and money market accounts.  Make POS (Pointpoints-of-Salesale (POS) account to account (A2A) money transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Mastercard.  Order goods or services by mail, telephone or online from places that accept Mastercardparticipating NYCE ATMs. The following limitations on the frequency and amount of Mastercard Debit Card ATM transactions may apply:  Purchase amounts are limited to the amount in your account.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  • There is no limit to on the number of cash withdrawals you may make in any one (1) day from an ATM/ITMday.  • You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card 500 in any one day from an ATM/ITMday, if there are sufficient funds in your account.  • There is no limit on the number of POS transactions you may make in any one day.  • You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 2,500 from POS terminals per day, if there are sufficient funds in your account.  You may This includes Direct Debit Bill Payments and account to account (A2A) money transfers. • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. • See Section 2 for transfer up to the available balance in your accounts at the time of the transfer.  See “transfer limitations” limitations that may apply to these transactions. XXXX Because of the servicing schedule and processing time required in ATM operations, there may be a delay between the time a deposit (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Numbereither cash or check) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, is made and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX when it will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limitswithdrawal.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard MasterCard Debit Card. You may use your Card to purchase goods and services anyplace Mastercard MasterCard is honored by 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 member 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. 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 “Rate Addendum and 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 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 according to the overdraft protection planUnion. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs ATMs of the Credit Union or through networks at credit union, Accel, AMEX, CU24, Discover, MasterCard/Cirrus, NETS, Pulse, Star, VISA/Plus networks, and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your card without a PIN for certain transactions through various on the VISA/Plus, Star and CU24 HERE networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard 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 MasterCard 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 savings, checking share and money market share draft accounts.  ❖ Withdraw funds from your savings, checking share and money market share draft accounts.  ❖ Transfer funds between from your savings, checking share and money market share draft accounts.  ❖ Obtain balance information for your savings, checking share and money market share draft accounts.  ❖ Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept MastercardMasterCard.  ❖ Order goods or services by mail, mail or telephone or online from places that accept MastercardMasterCard. The following limitations on the frequency and amount of Mastercard MasterCard Debit Card transactions may apply:  Purchase amounts are limited to the amount in your account.  ❖ You may purchase withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make 500.00 in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITMATM 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 day.  ❖ You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 750.00 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.  ❖ For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. ❖ See “transfer limitations” that may apply to these section for any transactions. XXXX (Telephone Access to Member Information)Audio Response. If we approve XXXX Audio Response for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX Audio Response to:  Withdraw funds by check direct deposits of your paycheck or of federal recurring payments, such as Social Security, to your members account. ❖ Preauthorized Debits. Upon instruction, we will pay certain recurring transactions from your share, checkingand share draft account. ❖ Stop Payment Rights. If you have arranged in advance to make regular electronic fund transfers out of your account(s) for money you owe others, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments you may stop payment of preauthorized transfers from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable You must notify us orally or in writing at any time up to three (3) business days before the primary member and will scheduled date of the transfer. We may require written confirmation of the stop payment order to be mailed to your address on recordmade within fourteen (14) days of any oral notification. The Credit Union may refuse to honor any transaction for which you If we do not have sufficient available verified funds. The service will discontinue if no transaction is entered receive the written confirmation, the oral stop payment order shall cease to be binding fourteen (14) days after numerous unsuccessful attempts to enter a transaction, and there may be limits on the duration of each telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limitsit has been made.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard Debit ATM Card. You If approved, you may use your card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, 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 money market accounts. ❖ Withdraw funds from your share, share draft, and money market accounts. ❖ Transfer funds from your share, share draft, and money market accounts. ❖ Obtain balance information for your share, share draft, loan, and money market accounts. ❖ Make loan payments from your share, share draft, and money market accounts. ❖ Access your Overdraft 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 from an ATM machine unless the ATM has limit on the amount that it dispense. ❖ You are allowed six (6) aggregate number of PIN transactions per day. ❖ You can withdraw for free six (6) times per month from NYU Federal Credit Union ATMs and COOP ATM Network ATMs. For all other withdrawals, the credit union charges $1.00 per transaction, which is added to the surcharge charged by the non NYU FCU ATM. ❖ See “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. Mastercard Check Card. If approved, you may use your card to purchase goods and services anyplace Mastercard is honored by 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 member 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 Savings and 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 ELECTRONIC FUNDS TRANSFER AGREEMENT overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the “Rate Addendum Addendum, Truth in Savings Disclosures and 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 will 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 according to the overdraft protection planUnion. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs ATMs of the Credit Union or through networks at Union, Mastercard, CO-OP networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Mastercard card without a PIN for certain transactions through various on the Mastercard CO-OP, and Fidelity networks. However, provisions of this Agreement relating only to MasterCard transactions Mastercard debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-MasterCard Mastercard networks. To initiate a MasterCard Debit Mastercard debit transaction, you may sign a receipt, provide a card number number, or swipe or insert your card through at a point-of-of- sale (POS) terminal and choose to route the transaction over a MasterCard Mastercard 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 savings, checking and money market accounts.  ❖ Withdraw funds from your savings, checking and money market share draft accounts.  Transfer funds between your savings, checking and money market accounts.  ❖ Obtain balance information for your savings, checking and money market share draft accounts.  ❖ Access your Overdraft Line of Credit accounts. ❖ 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 Mastercard.  ❖ Order goods or services by mail, mail or telephone or online from places that accept Mastercard. ❖ Online purchases from places that accept Mastercard. The following limitations on the frequency and amount of Mastercard Debit Card transactions may apply:  ❖ There is no limit on the number of Debit Card purchases you make per day. ❖ Purchase amounts are limited to the amount in your account.  ❖ You are allowed 10 aggregate POS transactions in any one (1) day. ❖ You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, if there are sufficient funds in your account.  There is no limit on the number of POS transactions you may make in any one day.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 1,000.00 from POS terminals per day, if there are sufficient funds in your accountday without prior notification.  You may transfer up to the available balance in your accounts at the time of the transfer.  ❖ See “transfer limitations” that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.

EFT SERVICES. If approvedDEBIT CARD ‐If we issue you a Debit Card, you may conduct use it for the types of services noted below and the following provisions will be applicable: Using Your Debit Card and Personal Identification Number ("PIN"). In order to assist us in maintaining the security of your account and the terminals, the debit card ("Debit Card") remains our property and may be revoked or canceled at any one or more time without giving you prior notice. We may, at our sole discretion, refuse to complete any transaction that would cause your account balance to go below zero, subject to any overdraft protection limit that applies to your account. If we elect to pay any such transaction, you agree to pay us the amount of the EFT services offered transaction and any applicable fees. We may, at our sole discretion, charge the transaction to or debit the transaction from another one of your accounts. We also reserve the right to refuse to authorize any Debit Card transaction that would exceed your available balance at the time the transaction is initiated. Certain transactions involving your Debit Card require use of your PIN. Your PIN is used to identify you as an authorized user. Because the PIN is used for identification purposes, you agree to notify Arvest Bank immediately if your Debit Card is lost or stolen, or if the secrecy of your PIN is compromised. You also agree: (i) not to reveal your PIN to any person not authorized by the Credit Union. Mastercard you to use your Debit Card; and (ii) not to write your PIN on your Debit Card or on any other item kept with your Debit Card. We have the right to refuse a transaction on your account when your Debit Card or PIN has been reported lost or stolen, or when we suspect there is unusual activity on your account, or if we suspect the transaction is the result of unauthorized or fraudulent account activity. The security of your account depends upon you maintaining possession of your Debit Card and the secrecy of your PIN. You may change your PIN if you feel that the secrecy of your PIN has been compromised. Call us at 1‐866‐952‐9523 for information on changing your PIN. Automated Teller Machine (ATM} Services ‐The following services are available through the use of your Debit Card:  You may withdraw cash from your checking account(s), savings account(s), and money market account(s).  You may make deposits into your checking account(s), savings account(s), and money market account(s).  You may transfer funds between your checking account(s), savings account(s), and money market account(s).  You may make balance inquiries on your checking account(s), savings account(s), and money market account(s). Your ability to perform the transactions or access the accounts set forth above depends on the location and type of ATM you are using and the network through which the transaction is being performed. A specific ATM or network may not perform or permit all of the above transactions. Besides being able to use your Debit Card to purchase goods and services anyplace Mastercard is honored by participating merchants. Howeverat our ATM terminals, you may access your accounts through the following networks: Maestro, Interlink, Plus or Visa. When you use an ATM not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internetowned by us, you may be required to provide card member security information before you will be permitted to complete charged a fee by the transaction. You agree that you will not use your Card ATM operator for any transaction that is illegal under applicable federalnetwork used, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. 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 “Rate Addendum and 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 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 payment of any overdrafts together with any service charges to the Credit Union according to the overdraft protection plan. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs of the Credit Union or through networks at other machines or facilities as the Credit Union may designate. In addition, you may use your card without be charged a PIN for certain transactions through various networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard 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 MasterCard 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 savings, checking and money market accounts.  Withdraw funds from your savings, checking and money market accounts.  Transfer funds between your savings, checking and money market accounts.  Obtain balance information for your savings, checking and money market accounts.  Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Mastercard.  Order goods or services by mail, telephone or online from places that accept Mastercard. The following limitations on the frequency and amount of Mastercard Debit Card transactions may apply:  Purchase amounts are limited to the amount in your account.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, if there are sufficient funds in your account.  There is no limit on the number of POS transactions you may make in any one day.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 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 “transfer limitations” that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted fee for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union may refuse to honor any transaction for which inquiry even if you do not have sufficient available verified funds. The service will discontinue if no transaction is entered after numerous unsuccessful attempts to enter complete a transaction, and there may be limits on the duration of each telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limitsfund transfer.

EFT SERVICES. If approved, you may conduct any one anyone (1) or more of the EFT services offered by the Credit Union. Mastercard Debit Check Card. You If approved, you may use your Card Mastercard® card to purchase goods and services anyplace Mastercard is honored by 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 member 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 ATM and 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 “Rate Addendum and 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 will 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 according to the overdraft protection planUnion. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs ATMs of the Credit Union or through networks at Union, Cirrus®, Maestro®, Pulse, and MoneyPass networks, andsuch other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions through various networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard 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 MasterCard 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 savings, checking and money market accounts.  ▪ Withdraw funds from your savings, savings and checking and money market accounts.  ▪ Transfer funds between from your savings, savings and checking and money market accounts.  ▪ Obtain balance information for your savings, savings and checking and money market accounts.  ▪ 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 Mastercard.  ▪ Order goods or services online or by mail, mail or telephone or online from places that accept Mastercard. The following limitations on the frequency and amount of Mastercard Debit Check Card transactions may apply:  ▪ Purchase amounts are limited to the amount in your account.  ▪ You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 1,000.00 per day.  There is no limit ▪ You may withdraw up to the number a maximum of cash withdrawals you may make $505.00 in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITMATM 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 day.  ▪ You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 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.  ▪ See “Section 2 for transfer limitations” limitations that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard Debit Card. You may use your Card to purchase goods and services anyplace Mastercard is honored by 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 member 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. 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 “Rate Addendum and 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 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 payment of any overdrafts together with any service charges to the Credit Union according to the overdraft protection plan. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs of the Credit Union or through networks at other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions through various networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard 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 MasterCard 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 savings, checking and money market accounts.  Withdraw funds from your savings, checking and money market accounts.  Transfer funds between your savings, checking and money market accounts.  Obtain balance information for your savings, checking and money market accounts.  Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Mastercard.  Order goods or services by mail, telephone or online from places that accept Mastercard. The following limitations on the frequency and amount of Mastercard Debit Card transactions may apply:  Purchase amounts are limited to the amount in your account.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, if there are sufficient funds in your account.  There is no limit on the number of POS transactions you may make in any one day.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 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 “transfer limitations” that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard MasterCard Debit Card. You may use your Card to purchase goods and services anyplace Mastercard MasterCard is honored by 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 member 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. 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 “Rate Addendum and 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 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 according to the overdraft protection planUnion. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs ATMs of the Credit Union or through networks at credit union, Accel, AMEX, CU24, Discover, MasterCard/Cirrus, NETS, Pulse, Star, VISA/Plus networks, and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your card without a PIN for certain transactions through various on the VISA/Plus, Star and CU24 HERE networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard 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 MasterCard 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 savings, checking share and money market share draft accounts.  Withdraw funds from your savings, checking share and money market share draft accounts.  Transfer funds between from your savings, checking share and money market share draft accounts.  Obtain balance information for your savings, checking share and money market share draft accounts.  Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept MastercardMasterCard.  Order goods or services by mail, mail or telephone or online from places that accept MastercardMasterCard. The following limitations on the frequency and amount of Mastercard MasterCard Debit Card transactions may apply:  Purchase amounts You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are limited to the amount sufficient funds in your account.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, if there are sufficient funds in your account.  There is no limit on the number of POS transactions you may make in any one day.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 750.00 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.  For security purposes, there are other limits on the frequency and amount of transfers available at ATMs.  See “transfer limitations” that may apply to these section for any transactions. XXXX (Telephone Access to Member Information)Audio Response. If we approve XXXX Audio Response for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX Audio Response to:  Withdraw funds by check from your share, checking, share and money market share draft accounts.  Transfer funds between from your share, checkingshare draft, and money market club accounts.  Obtain balance information and transaction history for your savings, checking, money market accountsshare, share certificates draft and loan club accounts, excluding VISA, student loans and mortgages.  Make loan payments from Verify the last date and amount of your savings, checking, and money market accounts, excluding VISA, student loans and mortgagespayroll deposit.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accountsDetermine if a particular item has cleared. Your accounts can be accessed under XXXX Audio Response via a touch tone telephone only. XXXX Audio Response will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests inquiries you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these section for any transactions. The Credit Union reserves the right to 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. All checks are payable to the you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on recordthe amount of any transaction, and you will be notified of those limits. The Credit Union 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 telephone call. The Credit Union Online Banking. If we approve Online Banking for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time, you may use Online Banking to:  Withdraw funds from your share and share draft accounts.  Transfer funds from your share, share draft, investment club and vacation club accounts.  Obtain balance information for your share, share draft and club accounts.  Make loan payments from your share and share draft accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on share and share draft accounts or interest paid on loan accounts.  Verify the last date and amount of your payroll deposit. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing. We reserve the right to 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. All checks are payable to you as a primary member and will be mailed to your address of record. 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.  There is no limit to the number of inquiries you may make in any one day.  See “transfer limitations” that may apply to these transactions. Preauthorized EFTs.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard Debit MasterMoney Card. You may use your Card to purchase goods and services anyplace Mastercard is honored by 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 member 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. 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 “Rate Addendum and Schedule of Fees and Charges.” For other types of transactions, if If the balance in your account is not sufficient to pay the transaction amount, the Credit Union 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 according to the overdraft protection plan. In the event of repeated overdrafts, the Credit Union may terminate all services under this AgreementUnion. You may use your card and personal identification number (PIN) in ATM/ITMs ATMs of the Credit Union or through networks at credit union, CU24, ACCEL/Exchange, Cirrus, PLUS networks, and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your card without a PIN for certain transactions through various networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard 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 MasterCard 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 savings, checking share and money market share draft accounts.  Withdraw funds from your savings, checking share and money market share draft accounts.  Transfer funds between from your savings, checking share and money market share draft accounts.  Obtain balance information for your savings, checking share and money market share draft accounts.  Access your 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 Mastercard.  Order goods or services by mail, mail or telephone or online from places that accept Mastercard. The following limitations on the frequency and amount of Mastercard Debit Check Card transactions may apply:  For security purposes, there are limits on the frequency and dollar amount of daily purchases and withdrawals. We will notify you of the limitations that apply to your card.  You may transfer up to the available balance in your account at the time of the transfer, subject to daily purchase and withdrawal limits.  See “transfer limitations” that may apply to these transactions.  There is no limit on the number of MasterMoney Card purchases you make per day.  Purchase amounts are limited to the amount in your account.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 1,000.00 per day.  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITMATM machine.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card 500.00 in any one day from an ATM/ITMATM 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 day.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 1,000.00 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 “transfer limitations” that may apply to these transactions. XXXX (Telephone Access to Member Information)PEARL. If we approve XXXX PEARL for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX PEARL to:  Withdraw Transfer funds by check from your share, checkingshare draft, and money market accounts.  Transfer funds between your share, checking, and money market Active Assets Money Market accounts.  Obtain balance information and transaction history for your savings, checking, money market on all accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savingsshare, checkingshare draft, and money market Active Assets Money Market accounts, excluding VISA, student loans and mortgages.  Access your line of credit account.  Obtain tax information on amounts earned on savings share and checking share draft accounts or interest paid on loan accounts.  Verify the last date and amount of your payroll deposit.  Make credit card payments.  Obtain account history and make cross account transfers. Your accounts can be accessed under XXXX PEARL via a touch tone telephone only. XXXX PEARL will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on recordthe amount of any transaction, and you will be notified of those limits. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard Debit MasterMoney Card. You may use your Card to purchase goods and services anyplace Mastercard is honored by 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 member 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. 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 “Rate Addendum and Schedule of Fees and Charges.” For other types of transactions, if If the balance in your account is not sufficient to pay the transaction amount, the Credit Union 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 according to the overdraft protection plan. In the event of repeated overdrafts, the Credit Union may terminate all services under this AgreementUnion. You may use your card and personal identification number (PIN) in ATM/ITMs ATMs of the Credit Union or through networks at credit union, CU24, ACCEL/Exchange, Cirrus, PLUS networks, and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your card without a PIN for certain transactions through various networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard 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 MasterCard 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 savings, checking share and money market share draft accounts.  ❖ Withdraw funds from your savings, checking share and money market share draft accounts.  ❖ Transfer funds between from your savings, checking share and money market share draft accounts.  ❖ Obtain balance information for your savings, checking share and money market share draft accounts.  ❖ Access your 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 Mastercard.  ❖ Order goods or services by mail, mail or telephone or online from places that accept Mastercard. The following limitations on the frequency and amount of Mastercard Debit Check Card transactions may apply:  ❖ For security purposes, there are limits on the frequency and dollar amount of daily purchases and withdrawals. We will notify you of the limitations that apply to your card. ❖ You may transfer up to the available balance in your account at the time of the transfer, subject to daily purchase and withdrawal limits. ❖ See “transfer limitations” that may apply to these transactions. ❖ There is no limit on the number of MasterMoney Card purchases you make per day. ❖ Purchase amounts are limited to the amount in your account.  ❖ You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 1,000.00 per day.  ❖ There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITMATM machine.  ❖ You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card 500.00 in any one day from an ATM/ITMATM 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 day.  ❖ You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 1,000.00 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 “transfer limitations” that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard Debit Card. You may use your Card to purchase goods and services anyplace Mastercard is honored by 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 member 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. 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 “Rate Addendum and 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 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 payment of any overdrafts together with any service charges to the Credit Union according to the overdraft protection plan. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs of the Credit Union or through networks at other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions through various networks. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard 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 MasterCard 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 savings, checking and money market accounts.  ❖ Withdraw funds from your savings, checking and money market accounts.  ❖ Transfer funds between your savings, checking and money market accounts.  ❖ Obtain balance information for your savings, checking and money market accounts.  ❖ Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Mastercard.  ❖ Order goods or services by mail, telephone or online from places that accept Mastercard. The following limitations on the frequency and amount of Mastercard Debit Card transactions may apply:  ❖ Purchase amounts are limited to the amount in your account.  ❖ You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  ❖ There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITM.  ❖ You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, if there are sufficient funds in your account.  ❖ There is no limit on the number of POS transactions you may make in any one day.  ❖ You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 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 “transfer limitations” that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  ❖ Withdraw funds by check from your share, checking, and money market accounts.  ❖ Transfer funds between your share, checking, and money market accounts.  ❖ Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  ❖ Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  ❖ Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  ❖ There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  ❖ Withdrawal/Transfers are limited to the balance in your accounts.  ❖ See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard MasterCard Debit Card. You If approved, you may use your Card card to purchase goods and services anyplace Mastercard is honored by 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 member 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. For one-time ATM and 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 “Rate Addendum and Schedule of Fees and Charges.” Fee Schedule. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union will 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 (MasterCard Credit Card) 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 according to the overdraft protection planUnion. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs ATMs of the Credit Union or through networks at Union, STAR, Money Pass, Alliance One, and CO OP 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 through various on the VISA or MasterCard Cirrus, CU 24 networks. However, provisions of this Agreement relating to VISA or MasterCard transactions transaction do not apply to transactions processed through non-non- VISA or MasterCard networks. To initiate a VISA or MasterCard 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 or MasterCard 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 savings, checking share and money market share draft accounts.  • Withdraw funds from your savings, checking share and money market share draft accounts.  • Transfer funds between from your savings, checking share and money market share draft accounts.  • Obtain balance information for your savings, checking share and money market share draft accounts.  • 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 MastercardMasterCard.  • Order goods or and services by mail, or telephone or online from places that accept MastercardMasterCard. The following limitations on the frequency and amount of Mastercard MasterCard Debit Card transactions may apply:  Purchase amounts • You are limited to the amount ten (10) transactions (purchases and withdrawals) in your accountany one (1) day.  • You may purchase withdrawal up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make 500 in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, 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 day.  • You may purchase up to a the maximum of $3,500 or $5,000 for the World Debit Card from POS terminals per 2500.00 in any one (1) day, if there are sufficient funds in your account.  • For security purposes, there may be 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 “Transfer Limitation section for transfer limitations” limitations that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.

EFT SERVICES. If approved, you may conduct any one or more of the EFT services offered by the Credit Union. Mastercard MasterCard Debit Card. You If approved, you may use your Card card to purchase goods and services anyplace Mastercard is honored by 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 member 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. For one-time debt 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 “Rate Addendum and Schedule of Fees and Charges.” Fee Schedule. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union will 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 (MasterCard Credit Card) 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 according to the overdraft protection planUnion. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs ATMs of the Credit Union or through networks at Union, STAR, PLUS, Money Pass 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 through various on the VISA or MasterCard Cirrus, CU 24 networks. However, provisions of this Agreement relating to VISA or MasterCard transactions transaction do not apply to transactions processed through non-non- VISA or MasterCard networks. To initiate a VISA or MasterCard 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 or MasterCard 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 savings, checking share and money market share draft accounts.   Withdraw funds from your savings, checking share and money market share draft accounts.   Transfer funds between from your savings, checking share and money market share draft accounts.   Obtain balance information for your savings, checking share and money market share draft accounts.   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 MastercardMasterCard.   Order goods or and services by mail, or telephone or online from places that accept MastercardMasterCard. The following limitations on the frequency and amount of Mastercard MasterCard Debit Card transactions may apply:  Purchase amounts  You are limited to the amount nine (9) transactions (purchases and withdrawals) in your accountany one (1) day.   You may purchase withdrawal up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make 400 in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, 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 day.   You may purchase up to a the maximum of $3,500 or $5,000 for the World Debit Card from POS terminals per 2500.00 in any one (1) day, if there are sufficient funds in your account.   For security purposes, there may be 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 “Transfer Limitation section for transfer limitations” limitations that may apply to these transactions. XXXX (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Number) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX will be available for your convenience twenty-four (24) hours per day. This service may be interrupted for a short time each day for data processing.  There is no limit to the number of inquiries, transfers, or withdrawal requests you may make in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactions. The Credit Union reserves the right to 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. All checks are payable to the primary member and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limits.

EFT SERVICES. If approved, you may conduct any one (1) or more of the following EFT services offered by the Credit Union. Mastercard ATM/Debit Card. Card – You may use your Card card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, ATM network, 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 this type of transaction. Services and fees for ATM overdrafts are shown in the Rate and Fee Schedule. You may also use your card to purchase goods and services anyplace Mastercard is honored by 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 member 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. For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction 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 “Rate Addendum and 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 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 payment of any overdrafts together with any service charges to the Credit Union according to the overdraft protection planoverdraft. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATM/ITMs of At the Credit Union or through networks at other machines or facilities as the Credit Union may designate. In additionpresent time, you may use your card without a PIN to: • Make deposits to your savings and checking accounts. • Withdraw funds from your savings and checking accounts. • Transfer funds from your savings and checking accounts. • Obtain balance information for certain transactions through various networksyou savings and checking accounts. However, provisions of this Agreement relating to MasterCard transactions do not apply to transactions processed through non-MasterCard networks. To initiate a MasterCard Debit transaction, you may sign a receipt, provide a card number or swipe your card through a • Make point-of-sale (POS) terminal and choose to route the transaction over a MasterCard 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 savings, checking and money market accounts.  Withdraw funds from your savings, checking and money market accounts.  Transfer funds between your savings, checking and money market accounts.  Obtain balance information for your savings, checking and money market accounts.  Make POS (Point-of-Sale) transactions with your Card card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept MastercardVisa.  • Order goods or services by mail, mail or telephone or online from places that accept MastercardVisa. The following limitations on the frequency and amount of Mastercard Debit ATM Card transactions may apply:  Purchase amounts are limited to the amount in your account.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card per day.  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM/ITM.  You may withdraw up to a maximum of $3,500 or $5,000 for the World Debit Card in any one day from an ATM/ITM, if there are sufficient funds in your account.  There is no limit on the number of POS transactions you may make in any one day.  You may purchase up to a maximum of $3,500 or $5,000 for the World Debit Card 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 “transfer limitations” that • Maximum ATM withdrawals of $300 per day, if there is sufficient funds in your account. Because of the servicing schedule and processing time required in ATM operations, there may apply to these transactions. XXXX be a delay between the time a deposit (Telephone Access to Member Information). If we approve XXXX for your accounts, a separate PIN (Personal Identification Numbereither cash or check) will be assigned to you. You must use your PIN (Personal Identification Number) along with your account number to access your accounts. At the present time you may use XXXX to:  Withdraw funds by check from your share, checking, is made and money market accounts.  Transfer funds between your share, checking, and money market accounts.  Obtain balance information and transaction history for your savings, checking, money market accounts, share certificates and loan accounts, excluding VISA, student loans and mortgages.  Make loan payments from your savings, checking, and money market accounts, excluding VISA, student loans and mortgages.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts. Your accounts can be accessed under XXXX via a touch tone telephone only. XXXX when it will be available for withdrawal. The issued card and PIN are property of the Credit Union. The card will remain our property and shall be surrendered immediately to us upon our request. You cannot transfer your convenience twenty-four (24) hours per daycard to another person and we may cancel and retrieve your card at any time without notice to you. This service may be interrupted for a short time each day for data processing.  There Use of the card is no limit subject to the number of inquiries, transfers, or withdrawal requests you may make terms and conditions in any one (1) day.  Withdrawal/Transfers are limited to the balance in your accounts.  See “transfer limitations” that may apply to these transactionsthis Agreement. The PIN issued to you is for security purposes. The PIN is confidential and you are responsible for safekeeping this code. You agree not to disclose or otherwise make your PIN available to anyone not authorized to sign on your account(s). If you authorize anyone to use you PIN, that authority shall continue until you specifically revoke such authority by notifying the Credit Union. Phone Answer Line (PAL) – You will access your account with a PIN and your account number. You may use PAL to:  Obtain balance information  Transfer funds between accounts and joint accounts  Determine if a particular item has cleared  24/7 account access  Make a loan payment from your share or checking account Preauthorized EFTs  Direct Deposit – Upon instruction of your employer, the Treasury Department or other financial institutions, the Credit Union reserves the right will accept direct deposits of your paycheck or federal recurring payments, such as Social Security, to 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 your savings and checking account. All checks are payable to the primary member  Preauthorized Debits – Upon instruction, we will pay certain recurring transactions from your savings and will be mailed to your address on record. The Credit Union 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 telephone call. The Credit Union may set other limits on the amount of any transaction, and you will be notified of those limitschecking accounts.