Common use of Liability for Failure to Stop Payment of Preauthorized Transfer Clause in Contracts

Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop a preauthorized payment 3 business days or more before the transaction is scheduled, and we do not do so, we will be liable for your losses or damages. A preauthorized payment is a future recurring payment with the first in the series of payments having cleared the account at least once prior to the stop payment request. Fees-A $0.75 fee will be charged to your Account for each completed transaction made at an ATM other than CashPoints. A $0.35 fee will be charged to your Account for each denied transaction attempted at an ATM other than CashPoints. In addition to the fees above, when you use an ATM other than CashPoints, the ATM owner or any network used may charge you a fee. You may be charged a fee for a balance inquiry even if you do not complete a monetary transaction. All additional fees are listed in the table below. These fees are subject to change at any time. There is no fee for any transaction performed at a CashPoints Network ATM using your LGFCU HSA Debit Card. Standard Fees Stop Payment Order Fee $8.00 Lost/Stolen Replacement Card $8.00 Rush Delivery of Card $15.00 Foreign Transactions 1% for multi-currency transactions and 0.8% for single currency transactions Refunds and Merchant Disputes-If you are entitled to a refund for any reason, you agree to accept a credit to your Card instead of a cash refund, if the merchant does not provide cash refunds. You will settle all disputes about purchases you make using your Card with the merchant who honored the Card. We are not responsible for the delivery, quality, safety, legality, or other aspect of goods or services that you purchase from others with the Card. Authorizations and Authorization Holds-When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your Account funds for the amount indicated by the merchant. Some merchants may also add an amount to ensure that sufficient funds will be available to cover the final transaction. If the amount of the authorization request exceeds the available funds in your Account, the transaction may be declined. Until the transaction finally settles or 3 business days have passed, whichever occurs first, the funds subject to the hold will not be available to you for other purposes. As a result, other transactions may be declined, dishonored, or not paid which can result in NSF fees and/or other charges against your Account. We will only charge your Account for the correct amount of the final transaction. However, if the settlement transaction amount does not match the hold amount, it is possible that both of these amounts will affect your available balance until the end of the 3- day hold period. In addition, if you commence a purchase and the merchant obtains an authorization and then you cancel the purchase without completing it, the authorization may result in a temporary hold for that amount of funds for 3 business days. A merchant may reverse the pre-authorization at your request and/or extend or modify the amount of the pre-authorization in certain circumstances. If an extension or modification is submitted by a merchant, the hold on your Account will be extended or modified. We are not responsible if we do not authorize or pay other transactions while such a hold is placed on your Account. Confidentiality-We will disclose information to third parties about your Account or the transactions you make: where it is necessary for completing transactions; in order to verify the existence and condition of your accounts for a third party, such as a credit bureau or merchant; in order to comply with government agency or court orders; if you give us your written permission. Emergency Cash and Emergency Card Replacement Services-Emergency Cash and Emergency Card Replacement Services may be requested from Visa Global Customer Assistance when traveling by calling 1-800-VISA911 in the U.S., or 0-000-000-0000 outside the U.S. The Credit Union may provide Member personal data to Visa, its Members, or their respective contractors for the purpose of providing Emergency Cash and Emergency Card Replacement Services. You consent to the release of this information when you request these services. Obtaining Card Information-You may obtain information about the balance of your Account by calling our automated Voice Response number at 0-000-000-0000, or locally in Raleigh at 000-000-0000. This information, along with a history of card transactions, is also available online through MemberConnect at xxx.xxxxx.xxx. Documentation-You will be provided a monthly statement for each month in which there were transactions made on your Account. We reserve the right to stop periodic statements if your Account is inactive. You can get a receipt at the time you make a transaction with your Card using an ATM or point-of-sale terminal. A receipt may not be required for a point-of-sale transaction if the amount of the transaction is $50 or less. Our Liability-If we do not complete a transaction to or from your Account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages to the extent required by federal law. However, we will not be liable, for instance: if, through no fault of ours, you do not have enough money in your Account to make the withdrawal or transaction; if the ATM, bank or merchant where you are trying to obtain cash does not have enough cash; if the ATM, system, or POS terminal was not working properly and you knew about the break down when you started the transaction; if circumstances beyond our control (such as fire or flood) prevent or delay the transaction from being completed, despite reasonable precautions that we have taken; if you attempt to use a Card that has not been properly activated; if the Card has been reported as lost or stolen, has been suspended by us, or we have reason to believe a transaction was not authorized by you; or if the merchant does not properly transmit transaction information to us. There may be other exceptions provided by applicable law. Foreign Transactions-If your Card is used in a transaction that is submitted to the Visa or Plus Networks in a currency other than U.S. dollars, Visa will convert the transaction amount into U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Visa currently uses, the non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion rate. The currency conversion rate that Visa typically uses is either a government- mandated rate or a wholesale rate provided to Visa. The currency conversion rate that Visa uses for a particular transaction is the rate in effect for the applicable currency at the time the transaction is processed. This rate may differ from the rate in effect when the transaction occurred or when it was posted to your Account, and may be higher than the rate you could have gotten if you had converted U.S. dollars into cash. If a transaction initially in a foreign currency is converted to U.S. dollars before it is entered into the Visa or Plus networks, the conversion rates and fees of the company that did the conversion will apply. Visa applies a 0.8% International Transaction fee to single currency transactions where the currency has already been pre-converted into U.S. dollars and a 1% fee for multi-currency transactions where both the country codes and currency codes are different. LGFCU does not apply any additional conversion fee other than what Visa imposes. Termination or Expiration-LGFCU may, at any time, suspend your Card and your ability to use your Card, for any reason allowed by law, such as if we suspect possible fraud or suspicious activity, or for security reasons. We may, at any time and for any reason, terminate the Card and your use of the Card and may request the Card to be surrendered. Your Card will expire on the expiration date on the Card. Upon termination or expiration, we may stop accepting transactions from the Card and we may decline to authorize a transaction with the Card. You remain responsible for any charges on your account even after the Card is terminated or expires. To the extent permitted by law, you agree to pay attorneys' fees and collection costs we incur in collecting amounts you owe us and enforcing our rights under this Agreement. Changes Waiver-We reserve the right to change, delete, or add to this Agreement and to apply any such modification to a Card that has been issued to you. The Credit Union will notify you in writing at least 21 days prior to the effective date of the change for any significant change in terms, including increased fees, increased liability, fewer transaction types, and stricter limits on the frequency or dollar amount of transfers. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the fee in a later situation. In the event LGFCU determines that an immediate change is necessary to maintain or restore security of either the automated teller machine system or any account, then we may make the necessary change without advising the member in advance. Choice of Law-This Agreement and all aspects of your relationship with us with regard to your LGFCU HSA Debit Card are governed by and defined in accordance with federal law and, to the extent that state law applies, the laws of the State of North Carolina.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop a preauthorized payment 3 business days or more before the transaction is scheduled, and we do not do so, we will be liable for your losses or damages. A preauthorized payment is a future recurring payment with the first in the series of payments having cleared the account at least once prior to the stop payment request. Fees-A $0.75 fee will be charged to your Account for each completed transaction made at an ATM other than CashPoints. A $0.35 fee will be charged to your Account for each denied transaction attempted at an ATM other than CashPoints. In addition to the fees above, when you use an ATM other than CashPoints, the ATM owner or any network used may charge you a fee. You may be charged a fee for a balance inquiry even if you do not complete a monetary transaction. All additional fees are listed in the table below. These fees are subject to change at any time. There is no fee for any transaction performed at a CashPoints Network ATM using your LGFCU HSA Debit CashPoints Global Card. Standard Fees Stop Payment Order Fee $8.00 Lost/Stolen Replacement Card $8.00 Rush Delivery of Card $15.00 Foreign Transactions 1% for multi-currency transactions and 0.8% for single currency transactions Refunds and Merchant Disputes-If you are entitled to a refund for any reason, you agree to accept a credit to your Card instead of a cash refund, if the merchant does not provide cash refunds. You will settle all disputes about purchases you make using your Card with the merchant who honored the Card. We are not responsible for the delivery, quality, safety, legality, or other aspect of goods or services that you purchase from others with the Card. Authorizations and Authorization Holds-When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your Account funds for the amount indicated by the merchant. Some merchants may also add an amount to ensure that sufficient funds will be available to cover the final transactiontransaction (such as an estimated tip). If the amount of the authorization request exceeds the available funds in your Account, the transaction may be declined. Until the transaction finally settles or 3 business days have passed, whichever occurs first, the funds subject to the hold will not be available to you for other purposes. As a result, other transactions may be declined, dishonored, or not paid which can result in NSF fees and/or other charges against your Account. We will only charge your Account for the correct amount of the final transaction. However, if the settlement transaction amount does not match the hold amount, it is possible that both of these amounts will affect your available balance until the end of the 3- 3-day hold period. In addition, if you commence a purchase and the merchant obtains an authorization and then you cancel the purchase without completing it, the authorization may result in a temporary hold for that amount of funds for 3 business days. A merchant may reverse the pre-authorization at your request and/or extend or modify the amount of the pre-authorization in certain circumstances, such as an extended hotel stay. If an extension or modification is submitted by a merchant, the hold on your Account will be extended or modified. We are not responsible if we do not authorize or pay other transactions while such a hold is authorization holds are placed on your Account. Confidentiality-We will disclose information to third parties about your Account or the transactions you make: where it is necessary for completing transactions; in order to verify the existence and condition of your accounts Account for a third party, such as a credit bureau or merchant; in order to comply with government agency or court orders; if you give us your written permission. Emergency Cash and Emergency Card Replacement Services-Emergency Cash and Emergency Card Replacement Services may be requested from Visa Global Customer Assistance when traveling by calling 1-800-VISA911 in the U.S., or 0-000-000-0000 outside the U.S. The Credit Union may provide Member personal data to Visa, its Members, or their respective contractors for the purpose of providing Emergency Cash and Emergency Card Replacement Services. You consent to the release of this information when you request these services. Obtaining CashPoints Global Card Information-You may obtain information about the balance of your Account by calling our automated Voice Response number at 0-000-000-0000, or locally in Raleigh at 000-000-0000. This information, along with a history of card transactions, is also available online through MemberConnect at xxx.xxxxx.xxx. Documentation-You will be provided a monthly statement for each month in which there were transactions made on your the Account. We reserve the right to stop periodic statements if your Account is inactive. You can get a receipt at the time you make a transaction with your Card using an ATM or point-of-sale terminal. A receipt may not be required for a point-of-sale transaction if the amount of the transaction is $50 or less. Our Liability-If we do not complete a transaction to or from your Account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages to the extent required by federal law. However, we will not be liable, for instance: if, through no fault of ours, you do not have enough money in your Account to make the withdrawal or transaction; if the ATM, bank or merchant where you are trying to obtain cash does not have enough cash; if the ATM, system, or POS terminal was not working properly and you knew about the break down when you started the transaction; if circumstances beyond our control (such as fire or flood) prevent or delay the transaction from being completed, despite reasonable precautions that we have taken; if you attempt to use a Card that has not been properly activated; if the Card has been reported as lost or stolen, has been suspended by us, or we have reason to believe a transaction was not authorized by you; or if the merchant does not properly transmit transaction information to us. There may be other exceptions provided by applicable law. Foreign Transactions-If your LGFCU CashPoints Global Card is used in a transaction that is submitted to the Visa or Plus Networks in a currency other than U.S. dollars, Visa will convert the transaction amount into U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Visa currently uses, the non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion rate. The currency conversion rate that Visa typically uses is either a government- government-mandated rate or a wholesale rate provided to Visa. The currency conversion rate that Visa uses for a particular transaction is the rate in effect for the applicable currency at the time the transaction is processed. This rate may differ from the rate in effect when the transaction occurred or when it was posted to your Account, and may be higher than the rate you could have gotten if you had converted U.S. dollars into cash. If a transaction initially in a foreign currency is converted to U.S. dollars before it is entered into the Visa or Plus networks, the conversion rates and fees of the company that did the conversion will apply. Visa applies a 0.8% International Transaction fee to single currency transactions where the currency has already been pre-converted into U.S. dollars and a 1% fee for multi-currency transactions where both the country codes and currency codes are different. LGFCU does not apply any additional conversion fee other than what Visa imposes. Termination or Expiration-LGFCU The Credit Union may, at any time, suspend your Card and your ability to use your Card, for any reason allowed by law, such as if we suspect possible fraud or suspicious activity, or for security reasons. We may, at any time and for any reason, terminate the Card and your use of the Card and may request the Card to be surrendered. Your Card will expire on the expiration date on the Card. Upon termination or expiration, we may stop accepting transactions from the Card and we may decline to authorize a transaction with the Card. You remain responsible for any charges on your account even after the Card is terminated or expires. To the extent permitted by law, you agree to pay attorneys' fees and collection costs we incur in collecting amounts you owe us and enforcing our rights under this Agreement. Changes Waiver-We reserve the right to change, delete, or add to this Agreement and to apply any such modification to a Card that has been issued to you. The Credit Union will notify you in writing at least 21 days prior to the effective date of the change for any significant change in terms, including increased fees, increased liability, fewer transaction types, and stricter limits on the frequency or dollar amount of transfers. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the fee in a later situation. In the event LGFCU the Credit Union determines that an immediate change is necessary to maintain or restore security of either the automated teller machine system or any account, then we may make the necessary change without advising the member in advance. Choice of Law-This Agreement and all aspects of your relationship with us with regard to your LGFCU HSA Debit CashPoints Global Card are governed by and defined in accordance with federal law and, to the extent that state law applies, the laws of the State of North Carolina.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop a preauthorized payment 3 three (3) business days or more before the transaction transfer is scheduled, and we do not do so, we will be liable for your losses or damages. A preauthorized payment Using Your Card/Features The maximum value of your Card is a future recurring payment with restricted to $20,000.00. These are the first in the series of payments having cleared the account at least once prior to the stop payment request. Fees-A maximum amounts that can be spent on your Card: Transaction Type Dollar and/or Frequency Limits Card Purchases (Signature) $0.75 fee will be charged to your Account for each completed 5,000 per transaction, $5,000 per day Card Purchases (PIN) $5,000 per transaction made at an ATM other than CashPoints. A , $0.35 fee will be charged to your Account for each denied transaction attempted at an ATM other than CashPoints. In addition to the fees above, when you use an ATM other than CashPoints, the ATM owner or any network used may charge you a fee. 5,000 per day You may be charged a fee for a balance inquiry even if use your Card to purchase or lease goods or services everywhere Visa debit cards, Interlink cards, Plus cards and NYCE cards are accepted as long as you do not complete a monetary transactionexceed the value available on your Card Account. All additional fees are listed in Some merchants do not allow cardholders to conduct split transactions where you would use the table belowCard as partial payment for goods and services and pay the remainder of the balance with another form of legal tender. These fees are subject to change at any time. There is no fee for any transaction performed at a CashPoints Network ATM using your LGFCU HSA Debit Card. Standard Fees Stop Payment Order Fee $8.00 Lost/Stolen Replacement Card $8.00 Rush Delivery of Card $15.00 Foreign Transactions 1% for multi-currency transactions and 0.8% for single currency transactions Refunds and Merchant Disputes-If you are entitled wish to conduct a refund for any reasonsplit transaction and it is permitted by the merchant, you agree to accept a credit to your Card instead of a cash refund, if must tell the merchant does not provide cash refunds. You will settle all disputes about purchases you make using your to charge only the exact amount of funds available on the Card with the merchant who honored Account to the Card. We are not responsible You must then arrange to pay the difference using another payment method. Some merchants may require payment for the delivery, quality, safety, legality, or other aspect of goods or services remaining balance in cash. If you fail to inform the merchant that you purchase from others with the would like to complete a split transaction prior to swiping your Card, your Card is likely to be declined. Authorizations and Authorization Holds-When If you use your Card at an automated fuel dispenser (“pay at the pump”), the merchant may preauthorize the transaction amount up to $100.00 or more. If your Card is declined, even though you have sufficient funds available, you should pay for goods or services, certain merchants may ask us to authorize your purchase inside with the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your Account funds for the amount indicated by the merchant. Some merchants may also add an amount to ensure that sufficient funds will be available to cover the final transactioncashier. If the amount of the authorization request exceeds the available funds in you use your AccountCard at a restaurant, a hotel, for a car rental purchase, or for similar purchases, the transaction may be declinedpreauthorized for the purchase amount plus up to 20% or more to ensure there are sufficient funds available to cover tips or incidental expenses incurred. Until A preauthorization will place a “hold” on those available funds until the transaction finally settles or 3 business days have passed, whichever occurs firstmerchant sends us the final payment amount of your purchase. Once the final payment amount is received, the funds subject preauthorized amount on hold will be removed. It may take up to seven (7) days for the hold to be removed. During the hold period, you will not have access to the hold will preauthorized amount. You do not be available have the right to stop payment on any purchase or payment transaction originated by use of your Card. If you for other purposes. As authorize a result, other transactions may be declined, dishonored, or not paid which can result in NSF fees and/or other charges against your Account. We will only charge your Account for the correct amount of the final transaction. However, if the settlement transaction amount does not match the hold amount, it is possible that both of these amounts will affect your available balance until the end of the 3- day hold period. In addition, if you commence a purchase and the merchant obtains an authorization and then you cancel fail to make the purchase without completing itof that item as planned, the authorization approval may result in a temporary hold for that amount of funds for 3 business up to thirty (30) days. A merchant All transactions relating to car rentals may reverse result in a hold for that amount of funds for up to sixty (60) days. If you use your Card number without presenting your Card (such as for a mail order, telephone, or Internet purchase), the pre-authorization at your request and/or extend or modify legal effect will be the same as if you used the Card itself. For security reasons, we may limit the amount or number of the pre-authorization in certain circumstances. If an extension or modification is submitted by a merchant, the hold transactions you can make on your Account will Card. Your Card cannot be extended or modified. We are not responsible if we do not authorize or pay other transactions while such a hold is placed on your Account. Confidentiality-We will disclose information to third parties about your Account or the transactions you make: where it is necessary redeemed for completing transactions; in order to verify the existence and condition of your accounts for a third party, such as a credit bureau or merchant; in order to comply with government agency or court orders; if you give us your written permission. Emergency Cash and Emergency Card Replacement Services-Emergency Cash and Emergency Card Replacement Services may be requested from Visa Global Customer Assistance when traveling by calling 1-800-VISA911 in the U.S., or 0-000-000-0000 outside the U.S. The Credit Union may provide Member personal data to Visa, its Members, or their respective contractors for the purpose of providing Emergency Cash and Emergency Card Replacement Servicescash. You consent may not use your Card for online gambling or any illegal transaction. Each time you use your Card, you authorize us to reduce the release of this information when you request these services. Obtaining value available in your Card Information-You may obtain information about the balance of your Account by calling our automated Voice Response number at 0-000-000-0000, or locally in Raleigh at 000-000-0000. This information, along with a history of card transactions, is also available online through MemberConnect at xxx.xxxxx.xxx. Documentation-You will be provided a monthly statement for each month in which there were transactions made on your Account. We reserve the right to stop periodic statements if your Account is inactive. You can get a receipt at the time you make a transaction with your Card using an ATM or point-of-sale terminal. A receipt may not be required for a point-of-sale transaction if the amount of the transaction is $50 and any applicable fees. You are not allowed to exceed the available amount in your Card Account through an individual transaction or lessa series of transactions. Our Liability-If we do not complete Nevertheless, if a transaction exceeds the available balance of the funds on your Card, you shall remain fully liable to or from us for the amount of the transaction and any fees, if applicable. Non-Visa Debit Transactions New procedures are in effect that may impact you when you use your Account on time or in Card at certain merchant locations. In the correct amount according to our Agreement with youpast, we will be liable for your losses or damages to the extent required by federal lawtransactions have been processed as Visa debit transactions unless you entered a PIN. HoweverNow, we will not be liable, for instance: if, through no fault of ours, if you do not have enough money in your Account enter a PIN, transactions may be processed as either a Visa debit transaction, or as a NYCE transaction. Merchants are responsible for and must provide you with a clear way of choosing to make a Visa debit transaction if they support the withdrawal or transaction; if option. Please be advised that should you choose to use the ATMNYCE network when making a transaction without a PIN, bank or merchant where you are trying different terms may apply. Certain protections and rights applicable only to obtain cash does Visa debit transactions as described in this Agreement will not have enough cash; if apply to transactions processed on the ATMNYCE network. Please refer to the paragraph labeled “Your Liability for Unauthorized Transfers” for a description of these rights and protections applicable to Visa debit and non-Visa debit transactions. To initiate a Visa debit transaction at the POS, systemswipe your Card through a POS terminal, sign the receipt, or provide your 16-digit Card number for a mail order, telephone, or Internet purchase. To initiate a non-Visa debit transaction at the POS, enter your PIN at the POS terminal was not working properly and you knew about the break down when you started the transaction; if circumstances beyond our control (such or provide your 16-digit Card number after clearly indicating a preference to route your transaction as fire or flood) prevent or delay the a non-Visa debit transaction from being completedfor certain bill payment, despite reasonable precautions that we have taken; if you attempt to use a Card that has not been properly activated; if the Card has been reported as lost or stolenmail order, has been suspended by ustelephone, or we have reason to believe a transaction was not authorized by you; or if the merchant does not properly transmit transaction information to us. There may be other exceptions provided by applicable law. Foreign Transactions-If your Card is used in a transaction that is submitted to the Visa or Plus Networks in a currency other than U.S. dollars, Visa will convert the transaction amount into U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Visa currently uses, the non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion rate. The currency conversion rate that Visa typically uses is either a government- mandated rate or a wholesale rate provided to Visa. The currency conversion rate that Visa uses for a particular transaction is the rate in effect for the applicable currency at the time the transaction is processed. This rate may differ from the rate in effect when the transaction occurred or when it was posted to your Account, and may be higher than the rate you could have gotten if you had converted U.S. dollars into cash. If a transaction initially in a foreign currency is converted to U.S. dollars before it is entered into the Visa or Plus networks, the conversion rates and fees of the company that did the conversion will apply. Visa applies a 0.8% International Transaction fee to single currency transactions where the currency has already been pre-converted into U.S. dollars and a 1% fee for multi-currency transactions where both the country codes and currency codes are different. LGFCU does not apply any additional conversion fee other than what Visa imposes. Termination or Expiration-LGFCU may, at any time, suspend your Card and your ability to use your Card, for any reason allowed by law, such as if we suspect possible fraud or suspicious activity, or for security reasons. We may, at any time and for any reason, terminate the Card and your use of the Card and may request the Card to be surrendered. Your Card will expire on the expiration date on the Card. Upon termination or expiration, we may stop accepting transactions from the Card and we may decline to authorize a transaction with the Card. You remain responsible for any charges on your account even after the Card is terminated or expires. To the extent permitted by law, you agree to pay attorneys' fees and collection costs we incur in collecting amounts you owe us and enforcing our rights under this Agreement. Changes Waiver-We reserve the right to change, delete, or add to this Agreement and to apply any such modification to a Card that has been issued to you. The Credit Union will notify you in writing at least 21 days prior to the effective date of the change for any significant change in terms, including increased fees, increased liability, fewer transaction types, and stricter limits on the frequency or dollar amount of transfers. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the fee in a later situation. In the event LGFCU determines that an immediate change is necessary to maintain or restore security of either the automated teller machine system or any account, then we may make the necessary change without advising the member in advance. Choice of Law-This Agreement and all aspects of your relationship with us with regard to your LGFCU HSA Debit Card are governed by and defined in accordance with federal law and, to the extent that state law applies, the laws of the State of North CarolinaInternet purchases.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop a preauthorized payment 3 business days or more before the transaction is scheduled, and we do not do so, we will be liable for your losses or damages. A preauthorized payment is a future recurring payment with the first in the series of payments having cleared the account at least once prior to the stop payment request. Fees-A $0.75 fee will be charged to your Account for each completed transaction made at an ATM other than CashPoints. A $0.35 fee will be charged to your Account for each denied transaction attempted at an ATM other than CashPoints. In addition to the fees above, when you use an ATM other than CashPoints, the ATM owner or any network used may charge you a fee. You may be charged a fee for a balance inquiry even if you do not complete a monetary transaction. All additional fees are listed in the table below. These fees are subject to change at any time. There is no fee for any transaction performed at a CashPoints Network ATM using your LGFCU HSA ATM Debit CardMemberCard or LGFCU Visa Check MemberCard. Standard Fees Stop Payment Order Fee $8.00 Lost/Stolen Replacement Card $8.00 Rush Delivery of Card $15.00 Foreign Transactions 1% for multi-currency transactions and 0.8% for single currency transactions Refunds and Merchant Disputes-If you are entitled to a refund for any reason, you agree to accept a credit to your Card instead of a cash refund, if the merchant does not provide cash refunds. You will settle all disputes about purchases you make using your Card with the merchant who honored the Card. We are not responsible for the delivery, quality, safety, legality, or other aspect of goods or services that you purchase from others with the Card. Authorizations and Authorization Holds-When you use your Card LGFCU Visa Check MemberCard to pay for goods or services, certain merchants may ask us to authorize the transaction in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally settles and may place a temporary hold on your Account funds for the amount indicated by the merchant. Some merchants may also add an amount to ensure that sufficient funds will be available to cover the final transactiontransaction (such as an estimated tip). If the amount of the authorization request exceeds the available funds in your Account, the transaction may be declined. Until the transaction finally settles or 3 business days have passed, whichever occurs first, the funds subject to the hold will not be available to you for other purposes. As a result, other transactions may be declined, dishonored, or not paid which can result in NSF fees and/or other charges against your Account. We will only charge your Account for the correct amount of the final transaction. However, if the settlement transaction amount does not match the hold amount, it is possible that both of these amounts will affect your available balance until the end of the 3- 3-day hold period. In addition, if you commence a purchase and the merchant obtains an authorization and then you cancel the purchase without completing it, the authorization may result in a temporary hold for that amount of funds for 3 business days. A merchant may reverse the pre-authorization at your request and/or extend or modify the amount of the pre-pre- authorization in certain circumstances, such as an extended hotel stay. If an extension or modification is submitted by a merchant, the hold on your Account will be extended or modified. We are not responsible if we do not authorize or pay other transactions drawn on your checking account while such a hold is placed on your Accountaccount. Confidentiality-We will disclose information to third parties about your Account accounts or the transactions you make: where it is necessary for completing transactions; in order to verify the existence and condition of your accounts for a third party, such as a credit bureau or merchant; in order to comply with government agency or court orders; if you give us your written permission. Emergency Cash and Emergency Card Replacement Services-Emergency Cash and Emergency Card Replacement Services may be requested from Visa Global Customer Assistance when traveling by calling 1-800-VISA911 in the U.S., or 0-000-000-0000 outside the U.S. The Credit Union may provide Member personal data to Visa, its Members, or their respective contractors for the purpose of providing Emergency Cash and Emergency Card Replacement Services. You consent to the release of this information when you request these services. Obtaining Card Information-You may obtain information about the balance of your Account accounts by calling our automated Voice Response number at 0-000-000-0000, or locally in Raleigh at 000-000-0000. This information, along with a history of card transactions, is also available online through MemberConnect at xxx.xxxxx.xxx. Documentation-You will be provided a monthly statement for each month in which there were transactions made on your Accountaccounts. We reserve the right to stop periodic statements if your Account is accounts are inactive. You can get a receipt at the time you make a transaction with your Card using an ATM or point-of-sale terminal. A receipt may not be required for a point-of-sale transaction if the amount of the transaction is $50 or less. Our Liability-If we do not complete a transaction to or from your Account on time or in the correct amount according to our Agreement with you, we will be liable for your losses or damages to the extent required by federal law. However, we will not be liable, for instance: if, through no fault of ours, you do not have enough money in your Account to make the withdrawal or transaction, including any amounts from overdraft sources; if the ATM, bank or merchant where you are trying to obtain cash does not have enough cash; if the ATM, system, or POS terminal was not working properly and you knew about the break down when you started the transaction; if circumstances beyond our control (such as fire or flood) prevent or delay the transaction from being completed, despite reasonable precautions that we have taken; if you attempt to use a Card that has not been properly activated; if the Card has been reported as lost or stolen, has been suspended by us, or we have reason to believe a transaction was not authorized by you; or if the merchant does not properly transmit transaction information to us. There may be other exceptions provided by applicable law. Foreign Transactions-If your Card is used in a transaction that is submitted to the Visa or Plus Networks in a currency other than U.S. dollars, Visa will convert the transaction amount into U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Visa currently uses, the non-U.S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion rate. The currency conversion rate that Visa typically uses is either a government- mandated rate or a wholesale rate provided to Visa. The currency conversion rate that Visa uses for a particular transaction is the rate in effect for the applicable currency at the time the transaction is processed. This rate may differ from the rate in effect when the transaction occurred or when it was posted to your Account, and may be higher than the rate you could have gotten if you had converted U.S. dollars into cash. If a transaction initially in a foreign currency is converted to U.S. dollars before it is entered into the Visa or Plus networks, the conversion rates and fees of the company that did the conversion will apply. Visa applies a 0.8% International Transaction fee to single currency transactions where the currency has already been pre-converted into U.S. dollars and a 1% fee for multi-currency transactions where both the country codes and currency codes are different. LGFCU The Credit Union does not apply any additional conversion fee other than what Visa imposes. Termination or Expiration-LGFCU The Credit Union may, at any time, suspend your Card and your ability to use your Card, for any reason allowed by law, such as if we suspect possible fraud or suspicious activity, or for security reasons. We may, at any time and for any reason, terminate the a Card and your use of the Card and may request the Card to be surrendered. Your Card will expire on the expiration date on the Card. Upon termination or expiration, we may stop accepting transactions from the Card and we may decline to authorize a transaction with the Card. You remain responsible for any charges on your account even after the Card is terminated or expires. To the extent permitted by law, you agree to pay attorneys' fees and collection costs we incur in collecting amounts you owe us and enforcing our rights under this Agreement. Changes Waiver-We reserve the right to change, delete, or add to this Agreement and to apply any such modification to a Card that has been issued to you. The Credit Union will notify you in writing at least 21 days prior to the effective date of the change for any significant change in terms, including increased fees, increased liability, fewer transaction types, and stricter limits on the frequency or dollar amount of transfers. If we decide not to enforce our rights or charge a fee in one situation, we are not giving up our right to enforce it or to charge the fee in a later situation. In the event LGFCU the Credit Union determines that an immediate change is necessary to maintain or restore security of either the automated teller machine system or any account, then we may make the necessary change without advising the member in advance. Choice of Law-This Agreement and all aspects of your relationship with us with regard to your LGFCU HSA ATM Debit Card MemberCard or LGFCU Visa Check MemberCard are governed by and defined in accordance with federal law and, to the extent that state law applies, the laws of the State of North Carolina.

Liability for Failure to Stop Payment of Preauthorized Transfer. If you order us to stop a preauthorized payment 3 business days businessdays or more before the transaction transacti on is scheduled, and we do not do so, we will be liable for your losses yourlosses or damages. A preauthorized payment preauthorizedpayment is a future recurring payment recurringpayment with the first in the series of payments having cleared the account Account at least once prior to the stop payment request. Fees-A $0.75 1.00 fee will be charged to your Account for each completed transaction made at an ATM other than CashPoints. A $0.35 fee will be charged to your Account for each denied transaction attempted at an ATM other than CashPoints. In addition to the fees above, when you use an ATM other than CashPoints, the ATM owner or any network used may charge you a fee. You may be charged a fee for a balance inquiry even if you do not complete a monetary transaction. All A l l additional fees are listed in the table below. These fees are subject to change at any time. There is no fee for any transaction performed at a CashPoints Network ATM using your LGFCU HSA Debit GKCU CashPoints Global Card. Standard Fees Stop Payment Order Fee $8.00 10.00 Initial issuance and reissue of expired card fee $3.00 Lost/Stolen Replacement Card $8.00 Rush Delivery of Card $15.00 Rush Delivery of PIN $15.00 Foreign Transactions 1% for multi-currency transactions and 0.8% for single currency transactions ofUS dollar amount Refunds and Merchant DisputesMerchantDisputes-If you are entitled to a refund for any reason, you agree to accept a credit to your Card instead of a cash refund, if the merchant does not provide cash refunds. You will settle all disputes about purchases you make using your Card with the merchant who honored the Card. We are not responsible for the delivery, quality, safety, legality, or other aspect of goods or services that you purchase from others with the Card. Authorizations and Authorization Holds-When you use your Card to pay for goods or services, certain merchants may ask us to authorize the transaction transacti on in advance and may estimate its final value. When we authorize the transaction, we commit to make the requested funds available when the transaction finally fi nal l y settles and may place a temporary hold on your Account funds for the amount indicated by the merchant. Some merchants Somemerchants may also add an amount to ensure that sufficient funds will be available to cover the final transactiontransaction (such as an estimated tip). If the amount of the authorization request exceeds the available funds in your Account, the transaction may be declined. Until the transaction finally settles or 3 business days (7 business days for Travel and Entertainment merchants) have passed, whichever occurs first, the funds subject to the hold will not be available to you for other purposes. As a result, other transactions may be declined, dishonored, or not paid which can result in NSF fees and/or other charges against your Account. We will only charge your Account for the correct amount of the final transaction. However, if the settlement transaction amount does not match the hold amount, it is possible that both of these amounts will affect your available balance until the end of the 3- 3-day hold periodperiod (7-day hold period for Travel and Entertainment merchants). In addition, if you commence a purchase and the merchant obtains an authorization and then you cancel the purchase without completing it, the authorization may result in a temporary hold for that amount of funds for 3 business daysdays (7 business days for Travel and Entertainment merchants). A merchant may reverse the pre-authorization at your request and/or extend or modify the amount of the pre-authorization in certain circumstances, such as an extended hotel stay. If an extension or modification is submitted by a merchant, the hold on your Account will be extended or modified. We are not responsible if we do not authorize or pay other transactions drawn on your Account while such a hold is placed on your Account. Confidentiality-We will disclose information to informationto third parties about your Account or the transactions you make: where it is necessary for completing transactions; in order to verify the existence and condition of your accounts Account for a third party, such as a credit bureau or merchant; in order to comply with government agency or court orders; if you give us your written permission. Emergency Cash and Emergency Card Replacement Services-Emergency Cash and Emergency Card Replacement Services may be requested from Visa Global Customer Assistance when traveling by calling 1-800-VISA911 in the U.S., or 0-000-000-0000 outside the U.S. The Credit Union may provide Member personal data to Visa, its Members, or their respective contractors for the purpose of providing Emergency Cash providingEmergencyCash and Emergency Card Replacement Services. You consent to the release of this information when you request informationwhen yourequest these services. Obtaining CashPoints Global Card Information-Information- You may obtain information about the balance of your Account accounts by calling our automated Voice Response number at 0-000-000-0000, or locally in Raleigh by performing a balance inquiry at any CashPoints ATM. You may also performinquiries and transfers between accounts via a touch-tone phone with an ASK GKCU password at 0 - 000-000-0000. This information, along with a history of card transactions, is also available online through MemberConnect oronline at xxx.xxxxx.xxxxxx.xxxxxxxxxx.xxx. Documentation-You will be provided a monthly Account statement for each month in which there were transactions made on your the Account. We reserve the right r i ght to stop periodic statements if your Account is inactive. You can get a receipt at the time you make a transaction with your Card using an ATM or point-of-sale terminal. A receipt may not be required for a point-of-sale transaction if the amount of the transaction is $50 or less. Our Liability-If we do not complete a transaction to or from your Account on time or in the correct amount according to per our Agreement with you, we will be liable for your losses or damages to the extent required by federal law. However, we will not be liable, for instance: if, through no throughno fault of ours, you do not have enough money in your Account to make the withdrawal or transaction; if the ATM, bank or merchant where you are trying to obtain cash does not have enough cash; if the ATM, system, or POS terminal was not working properly and you knew about the break down when you started the transaction; if circumstances beyond our control (such as fire or flood) prevent or delay the transaction from being completed, despite reasonable precautions that we have taken; if you attempt to use a Card that has not been properly activated; if the Card has been reported as lost or stolen, has been suspended by us, or we have reason to believe a transaction was not authorized by you; or if the merchant does not properly transmit transaction information properlytransmit transactioninformation to us. There may be other exceptions provided by applicable law. Foreign Transactions-If your Card is used in usedin a transaction that is submitted to the Visa or Plus Networks in a currency other than U.S. dollars, Visa will convert the transaction amount into U.S. dollars using its currency conversion procedure. Under the currency conversion procedure that Visa currently uses, the non-U.S. U. S. dollar transaction amount is converted into a U.S. dollar amount by multiplying the transaction amount in the non-U.S. dollar currency by a currency conversion rate. The currency conversion rate that Visa typically uses is either a government- government-mandated rate or a wholesale rate provided to Visa. The currency conversion rate that Visa uses for a particular transaction is the rate in effect for the applicable currency at the time the transaction is processed. This rate may differ from the rate in effect when the transaction occurred or when it was posted to your Account, and may be higher than the rate you could have gotten if you had converted U.S. dollars into cash. If a transaction initially transactioninitially in a foreign currency is converted to U.S. dollars before it is entered into the Visa or Plus networksNetworks, the conversion rates and fees of the company that did the conversion will apply. In addition, Visa applies a 0.81% International Transaction Fee to (a) any transaction in a foreign currency and (b) any transaction in US dollars processed in whole or in part outside the US (including Internet and phone transactions made in the US but with a merchant who processes the transaction abroad). This fee is applied to single currency transactions where the currency has already been pre-converted into U.S. dollars and a 1% fee for multi-currency transactions where both the country codes and currency codes are different. LGFCU does not apply any additional conversion fee other than what Visa imposesyour account. Termination or Expiration-LGFCU The Credit Union may, at any time, suspend your Card and your ability to use your Card, for any reason allowed by law, such as if we suspect possible fraud or suspicious activity, or for security reasons. We may, at any time and timeand for any reason, terminate the Card and your use of the Card and may request the Card to be surrendered. Your Card will expire on the last calendar day of the month of expiration date stated on the Card. Upon termination or expiration, we may stop accepting transactions from the Card and we may decline to authorize a transaction with the Card. You remain responsible for any charges on your account Account even after the Card is terminated or expires. To the extent permitted by law, you agree to pay attorneys' fees and collection costs cos ts we incur in collecting amounts you amountsyou owe us and enforcing our rights under this ourrights underthis Agreement. Changes Waiver-We reserve the right to change, delete, or add to this Agreement and to apply any such modification to a Card that has been issued to you. The Credit Union will notify you in writing at least 21 days prior to the effective date of the change for any significant change in terms, including increased feesfees , increased liability, fewer transaction types, and stricter limits on the frequency or dollar amount of amountof transfers. If we decide not to enforce our rights or charge a fee in one situation, we are not arenot giving up our right to enforce it or to charge the fee in a later situation. In the event LGFCU the Credit Union determines that an immediate change is necessary to maintain or restore security of either the automated teller machine system or any account, then we may make the necessary change without advising the member in advance. Choice of Law-This Agreement and all aspects of your relationship with us with regard to your LGFCU HSA Debit GKCU CashPoints Global Card are governed by and defined defi xxx in accordance with federal withfederal law and, to the extent that state law applies, the laws of the State of North Carolina.