Common use of Visa Check Card Clause in Contracts

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internetinternet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashNYCE, and Cirrus® Pulse, STAR, ACCEL/Exchange networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashNYCE, and Cirrus® Pulse, STAR, ACCEL/Exchange networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: -  Make deposits to your savings and checking accounts. - share draft accounts  Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - share draft accounts  Obtain balance information for your savings and checking accounts. - share draft accounts  Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Visa  Order goods or services by mail or telephone from places that accept Visa. Visa The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. -  You may purchase up to a maximum of $2,000.00 5,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. -  You may withdraw up to a maximum of $500.00 of$300.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - account  You may purchase up to a maximum of $2,000.00 1,500.00 from POS terminals per day, if there are sufficient funds in your account. - account  For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your VisaVISA® card to purchase goods and services 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 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 ATM and one-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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® Visa networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® Visa networks. However, provisions of this Agreement agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution resolutions procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking deposit accounts. - Withdraw funds from your savings and checking deposit accounts. - Transfer funds from your savings and checking deposit accounts. - Obtain balance information for your savings and checking deposit accounts. - Access your Quick Cash Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 3,500.00 per day. - There is no limit to the number of You may make ten (15) cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one make ten (115) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. - You may withdraw up to a maximum of $2,500.00 in any one (1) day, if there are sufficient available funds in your account.

Visa Check Card. If approved, you You may use your Visa® card Card to purchase goods and services from anyplace VISA 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 number member 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 everyday debit card and 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 transactionstransaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may credit union will 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. 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 ATMs of the Credit Unioncredit union, Instant CashCirrus, Exchange networks, PLUS, STAR, CU24, and Cirrus® CU HERE networks, and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashPLUS, STAR, CU24, and Cirrus® CU HERE networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card Card to: -  Make deposits to your savings and checking accounts. -  Withdraw funds from your savings and checking accounts. -  Transfer funds from your savings and checking accounts. -  Obtain balance information for your savings and checking accounts. -  Make pointPOS (Point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept VisaVISA. -  Order goods or services by mail mail, telephone or telephone online from places that accept VisaVISA. The following limitations on Visa the frequency and amount of VISA Check Card transactions may apply: - There is no limit on the number of Visa Check Card  You may make up to 25 purchases you make per day. - day which includes transactions processed as a signature (credit) transaction or as a pin (POS) transaction  Purchase amounts are limited to the amount in your account. - account  You may purchase up to a maximum of $2,000.00 1,500.00 per day as either a signature (credit) or a pin (POS) transaction, if there are sufficient funds in your account  You may purchase up to a maximum of $1,000.00 per day from POS terminals, if there are sufficient funds in your account, of which this amount is included in the daily maximum amount of $1,500.00  The daily total amounts would include 25 transactions per day OR the maximum amount of $1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - , whichever comes first  You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - account  For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - ATMs  You may transfer up to the available balance in your accounts at the time of the transfer. - transfer  See Section 2 for “transfer limitations limitations” that may apply to these transactionstransactions  If you have a loan on your account that is delinquent for more than 45 days you will not be able to access the funds in your account using your card, the transactions will be declined.

Visa Check Card. If approved, you You may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account or savings account if you do not have a share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts overdraft together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashNYCE, Cirrus, and Cirrus® ACCEL/Exchange networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® Cirrus networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. (Does not apply to Business Debit Cards) - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Access your Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on the frequency and amount of Visa Check Card transactions may apply: - There is no a combined limit on the number of 20 Visa Check Card purchases you make purchases, cash withdrawals and/or POS transactions per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 505.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,505.00 from POS terminals per day, if there are sufficient funds in your account. If your card is not present, your maximum purchase amount per day is 1,505.00. - These limits may be reduced to $403.00 when our system goes offline due to technical difficulty for POS purchases and $203.00 for ATM withdrawals. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the available balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCirrus®, and Cirrus® Transfund networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® Transfund networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Access your Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 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. We may restrict service in some regions (from time to time) due to increased risk of fraud - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashVisa, PLUS, and Cirrus® Interlink networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, PLUS and Cirrus® Interlink networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 2,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 1,000.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - The approximate amount of time needed to make a Visa Check Card purchases transaction at an ATM and have the transaction posted to your account is two (2) business days. - The approximate amount of time needed to make a purchase with your debit card at a merchant terminal and have the transaction posted to your account is two (2) business days. - See Section 2 for transfer limitations that may apply to these transactions. - You may deposit up to a maximum of $3,500.00 per one (1) transaction. Card Information Updates and Authorizations. If you have authorized a merchant to xxxx charges to your card on a recurring basis, it is your responsibility to notify the merchant in the event your card is replaced, your card information (such as card number and expiration date) changes, or the account associated with your card is closed. However, if your card is replaced or card information changes, you authorize us, without obligation on our part, to provide the updated card information to the merchant in order to permit the merchant to xxxx recurring charges to the card. You authorize us to apply such recurring charges to the card until you notify us that you have revoked authorization for the charges to your card. Your card is automatically enrolled in an information updating service. Through this service, your updated card information (such as card number and expiration date) may be shared with participating merchants to facilitate continued recurring charges. Updates are not guaranteed before your next payment to a merchant is due. You are responsible for making direct payment until recurring charges resume. To revoke your authorization allowing us to provide updated card information to a merchant, please contact us.

Visa Check Card. If approved, you You may use your Visa® card Card to purchase goods and services from anyplace VISA 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 number member 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 everyday debit card and 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 transactionstransaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may credit union will 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. 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 ATMs of the Credit Unioncredit union, Instant CashCirrus, Exchange networks, PLUS, STAR, CU24, and Cirrus® CU HERE networks, and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashPLUS, STAR, CU24, and Cirrus® CU HERE networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card Card to: -  Make deposits to your savings and checking accounts. -  Withdraw funds from your savings and checking accounts. -  Transfer funds from your savings and checking accounts. -  Obtain balance information for your savings and checking accounts. -  Make pointPOS (Point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept VisaVISA. -  Order goods or services by mail mail, telephone or telephone online from places that accept VisaVISA. The following limitations on Visa the frequency and amount of VISA Check Card transactions may apply: - There is no limit on the number of Visa Check Card  You may make up to 25 purchases you make per day. - day which includes transactions processed as a signature (credit) transaction or as a pin (POS) transaction  Purchase amounts are limited to the amount in your account. - account  You may purchase up to a maximum of $2,000.00 1,500.00 per day as either a signature (credit) or a pin (POS) transaction, if there are sufficient funds in your account  You may purchase up to a maximum of $1,000.00 per day from POS terminals, if there are sufficient funds in your account, of which this amount is included in the daily maximum amount of $1,500.00  The daily total amounts would include 25 transactions per day OR the maximum amount of $1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - , whichever comes first  You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - account  For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - ATMs  You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 transfer  If you have a loan on your account that is delinquent for transfer limitations that may apply more than 45 days you will not be able to these transactionsaccess the funds in your account using your card, the transactions will be declined.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashVisa, CO-OP, PLUS, and Cirrus® Interlink networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashVisa CO-OP, and Cirrus® Fidelity networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking share draft accounts. - Obtain balance information for your savings and checking share draft accounts. - Access your Overdraft Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. - Online purchases from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 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 , the dollar amount of daily purchases, withdrawals, and transfers (See addendum to the available balance in this disclosure for limitations that apply to your accounts at the time of the transferVisa Check Card). - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashAccel, CU24/CUHere, and Cirrus® Plus networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® Accel networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking accounts. - Transfer funds from your savings and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 15 Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 3,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of You may make ten (10) POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 750.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashVisa, ACCEL/Exchange, Plus, PULSE, Affn, Cirrus, and Cirrus® Co- Op networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Access your Overdraft Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 15 Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of make five (5) cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of make 15 POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and ChargesFee Schedule. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashPLUS, Star, and Cirrus® CO-OP networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® Visa networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Access your Overdraft Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of make three (3) cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 1,000.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. - $300.00 per ATM transaction. Card Information Updates and Authorizations. If you have authorized a merchant to bill charges to your card on a recurring basis, it is your responsibility to notify the merchant in the event your card is replaced, your card information (such as card number and expiration date) changes, or the account associated with your card is closed. However, if your card is replaced or card information changes, you authorize us, without obligation on our part, to provide the updated card information to the merchant in order to permit the merchant to bill recurring charges to the card. You authorize us to apply such recurring charges to the card until you notify us that you have revoked authorization for the charges to your card. Your card is automatically enrolled in an information updating service. Through this service, your updated card information (such as card number and expiration date) may be shared with participating merchants to facilitate continued recurring charges. Updates are not guaranteed before your next payment to a merchant is due. You are responsible for making direct payment until recurring charges resume. To revoke your authorization allowing us to provide updated card information to a merchant, please contact us.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. 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 ap- plicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking 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 transactionstransaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established estab- lished with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCU$, and Cirrus® STAR, PLUS, ALLPOINT NETWORK networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - • Make deposits to your checking and savings and checking accounts. - • Withdraw funds from your savings and checking accounts. - • Transfer funds from your savings checking and checking accounts. - • Obtain balance information for your savings checking and checking accounts. - • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - • Order goods or services by mail or telephone from places that accept Visa. The following limitations on the frequency and amount of Visa Check Card transactions may apply: - • There is no limit on the number of Visa Check Card purchases you make per day. - • Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - • There is no limit on the number of POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - • You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCirrus, and Cirrus® Pulse, Alliance One networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share, share draft, and checking club accounts. - Transfer funds from your savings share, share draft, and checking club accounts. - Obtain balance information for your savings share, share draft, and checking club accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 50 Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 1,000.00 per day. - There is no limit to the number of You may make 23 cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 300.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of You may make 50 POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you You may use your Visa® card Card to purchase goods and services from anyplace VISA 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 number member 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 transactionstransaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may credit union will 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. 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 ATMs of the Credit Union, Instant Cash, and Cirrus® networkscredit union, and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® Visa networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At Please refer to the present time, you may also use your card to: - Member Liability section of this Agreement for terms and conditions. ❖ Make deposits to your savings share and checking share draft accounts. - ❖ Withdraw funds from your savings share and checking share draft accounts. - ❖ Transfer funds from your savings share and checking share draft accounts. - ❖ Obtain balance information for your savings share and checking share draft accounts. - ❖ Make pointloan payments from your share and share draft accounts. ❖ Access your Over draft line of credit account, if opted in. ❖ Make POS (Point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept VisaVISA. - ❖ Order goods or services by mail or telephone from places that accept VisaVISA. ❖ The following limitations on Visa the frequency and amount of VISA Check Card transactions may apply: - There is no limit on the number ❖ You may make a maximum of Visa Check twenty (20) VISA Debit Card purchases you make and POS transactions per day. - Purchase amounts are limited to the amount in your account. - ❖ You may purchase up to a maximum of $2,000.00 2500.00 per dayday if there are sufficient funds in your account. - There is no limit ❖ You may withdraw up to the number a maximum of cash withdrawals you may make $1000.00 in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, machine if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - ❖ You may purchase up have access to a maximum total of $2,000.00 from POS terminals per day, 3500 a day between withdrawals and purchases if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - ❖ You may transfer up to the available balance in your accounts at the time of the transfer. - ❖ See Section 2 “transfer limitations” section for any transactions. Audio Response. If we approve 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 Audio Response 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, investment club, vacation club and Christmas 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 Audio Response via a touch tone telephone only. 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 you may make in any one day. ❖ See “transfer limitations limitations” 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 you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the 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. 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, investment club, vacation club and Christmas 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.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-opt- in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashPULSE, Cirrus, AFFN, and Cirrus® Co-Op networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® PULSE networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Access your RLOC (Revolving Line of Credit) accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make fifteen (15) signature-based Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 800.00 in any one (1) day 24 hour period from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you You may make in any one fifteen (115) day. - You may purchase POS transactions, up to a maximum of $2,000.00 from POS terminals per day800.00, if there are sufficient funds in your accountany twenty-four (24) hour period. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, Shazam and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of make 15 cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 505.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of You may make 20 POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 3,010.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and The approximate amount of transfers available time needed to make a purchase with your debit card at ATMs. - You may transfer up a merchant terminal and have the transaction posted to the available balance in your accounts at the time of the transferaccount is two (2) business days. - See Section 2 for transfer limitations that may apply to these transactions. - You may withdrawal a combined maximum of $3,515.00 per day from an ATM machine and POS terminals, if there are sufficient funds in your account.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may will 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 account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® Cirrus networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Access your Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on the frequency and amount of Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 500 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 309 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCirrus®, Pulse, and Cirrus® Alliance One networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashCirrus, Pulse, and Cirrus® Alliance One networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share, share draft, and checking club accounts. - Transfer funds from your savings share, share draft, and checking club accounts. - Obtain balance information for your savings share, share draft, and checking club accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 50 Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 1,000.00 per day. - There is no limit to the number of You may make 23 cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 300.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of You may make 50 POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. *The Credit Union’s overdraft protection plan for one-time debit card transactions is not applicable to business accounts. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashNYCE, Cirrus, AFFN, Visa, Mastercard, Novus, and Cirrus® Quest networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® NYCE networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your share savings and checking accountsaccounts at certain proprietary (AmeriCU owned) ATMs and Kiosks. - Withdraw funds from your share savings and checking accounts. - Transfer funds from your share savings and checking accounts. - Obtain balance information for your share savings and checking accounts. - Make loan payments from your share savings and checking accounts at certain proprietary (AmeriCU owned) ATMs and Kiosks. - Cash an approved payroll check at certain proprietary (AmeriCU owned) ATMs and Kiosks. - Purchase Official Checks at the Kiosk. - Purchase by signature from merchants that accept Visa (for cards linked to checking accounts only). - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept VisaVisa (for cards linked to checking accounts only). - Order goods or services by mail or telephone from places that accept VisaVisa (for cards linked to checking accounts only). - Make Visa cash advances at Financial Institutions that accept Visa (for cards linked to checking accounts only). - Make 3rd party payments at merchants that accept Visa (for cards linked to checking accounts only). For Fresh Start Checking and Fresh Start Basic Accounts – - No Cash/Check Deposits are allowed to your share savings or checking accounts at proprietary (AmeriCU owned) ATMs and Kiosks (instead, you need to visit an AmeriCU Financial Center teller) - No Kiosk Official Checks allowed (instead, you need to visit an AmeriCU Financial Center teller) - No card less Kiosk access allowed. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make up to twelve (12) Visa Check Card purchases you make and/or authorizations per day. - Purchase amounts are limited day (for cards linked to the amount in your accountchecking accounts only). - You may withdraw and/or purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make 2,000 in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machineATM/Kiosk terminal, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 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 transfertransfer - Payroll checks at AmeriCU ATM/Kiosk: Up to $2,500 available with no hold on (approved) payroll list. Account must be in good standing with the Credit Union. - See Section 2 Purchase by signature, 3rd party payments, POS (PIN) at merchants that accept Visa (for transfer limitations cards linked to checking accounts only) and Official Checks at the Kiosk have limits based on the type of account you have with AmeriCU. For Fresh Start Checking and Fresh Start Basic Accounts - - You may withdraw and/or purchase up to a maximum of $300 in any one day from an ATM/Kiosk terminal, if there are sufficient funds in your account. Having a good address on our system is vital for AmeriCU Credit Union to be able to send monthly statements and/or contact you about your account. If we receive any statement back from the U.S. Postal Service that may apply was undeliverable to these transactionsthe address on the system, your account will automatically be flagged for a "bad address". The system will automatically shut down your VISA Check Card until we receive a valid address from you in writing and with your signature.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internetinternet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashNYCE, and Cirrus® Pulse, STAR, ACCEL/Exchange networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashNYCE, and Cirrus® Pulse, STAR, ACCEL/Exchange networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - • Make deposits to your savings and checking accounts. - share draft accounts • Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - share draft accounts • Obtain balance information for your savings and checking accounts. - share draft accounts • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Visa • Order goods or services by mail or telephone from places that accept Visa. Visa The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - • You may purchase up to a maximum of $2,000.00 5,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $500.00 of$300.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - account • You may purchase up to a maximum of $2,000.00 1,500.00 from POS terminals per day, if there are sufficient funds in your account. - account • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, STAR and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa STAR and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. - ATM withdrawal and POS transactions of $200.00 per day, if there are sufficient funds in your account.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® Visa networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at through a point-point- of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 10,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 510.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashShare Excel, NYCE, PLUS, and Cirrus® Pulse networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashShare Excel, NYCE, and Cirrus® Pulse networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make loan payments from your share and share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 2,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 505.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you You may use your Visa® card Card to purchase goods and services from anyplace VISA 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 number member 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 everyday debit card and 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 transactionstransaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may credit union will 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. 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 ATMs of the Credit Unioncredit union, Instant CashCirrus, Exchange networks, PLUS, STAR, CU24, and Cirrus® CU HERE networks, and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashPLUS, STAR, CU24, and Cirrus® CU HERE networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card Card to: -  Make deposits to your savings and checking accounts. -  Withdraw funds from your savings and checking accounts. -  Transfer funds from your savings and checking accounts. -  Obtain balance information for your savings and checking accounts. -  Make pointPOS (Point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept VisaVISA. -  Order goods or services by mail mail, telephone or telephone online from places that accept VisaVISA. The following limitations on Visa the frequency and amount of VISA Check Card transactions may apply: - There is no limit on the number of Visa  You may make nine (9) VISA Check Card purchases you make per day. -  Purchase amounts are limited to the amount in your account. -  You may purchase up to a maximum of $2,000.00 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 machine. -  You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. -  There is no limit on the number of POS transactions you may make in any one (1) day. -  You may purchase up to a maximum of $2,000.00 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 Section 2 for “transfer limitations limitations” that may apply to these transactions. Phone Pal. If we approve Phone Pal 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 Phone Pal to:  Withdraw funds from your share, checking, and Money Market accounts.  Transfer funds from your share, checking, and Money Market accounts.  Obtain balance information for your savings, checking, and Money Market accounts.  Make loan payments from your savings, checking, and Money Market accounts.  Determine if a particular item has cleared.  Obtain tax information on amounts earned on savings and checking accounts or interest paid on loan accounts.  Verify the last date and amount of your payroll deposit. Your accounts can be accessed under Phone Pal via a touch tone telephone only. Phone Pal 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 you as a 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.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft (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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCirrus, NYCE, and Cirrus® Co-Op networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the VisaVisa Cirrus, Instant CashNYCE, and Cirrus® Co-Op networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, procedures do not apply to transactions processed through non-non- Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share (savings) and checking share draft (checking) accounts. - Withdraw funds from your savings share (savings) and checking share draft (checking) accounts. - Transfer funds from your savings share (savings) and checking share draft (checking) accounts. - Obtain balance information for your savings share (savings) and checking share draft (checking) accounts. - Access your Overdraft Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. Xxxxx 0 - You may purchase up to a maximum of $2,000.00 500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 505.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number You may purchase up to a maximum of $500.00 from POS transactions you terminals per day, if there are sufficient funds in your account. Level 2 - You may make purchase up to a maximum of $1,000.00 per day. - You may withdraw up to a maximum of $505.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may purchase up to a maximum of $1,000.00 from POS terminals per day, if there are sufficient funds in your account. Level 3 - You may purchase up to a maximum of $2,000.00 per day. - You may withdraw up to a maximum of $505.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. For all levels - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you You may use your Visa® card Card to purchase goods and services 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 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 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 transactionstransaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card Card and personal identification number PIN (PINPersonal Identification Number) in ATMs automated teller machines of the Credit Union, Instant Cash, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card Card to: - • Make deposits to your savings share and checking share draft accounts. - • Withdraw funds from your savings share and checking share draft accounts. - • Transfer funds from your savings share and checking share draft accounts. - • Obtain balance information for your savings share and checking share draft accounts. - • Make pointPOS (Point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept VisaVISA. - • Order goods or services by mail or telephone from places that accept VisaVISA. The following limitations on Visa the frequency and amount of VISA Check Card transactions may apply: - • There is no limit on the number of Visa VISA Check Card purchases you make per day. - • Purchase amounts are limited to the amount in your account. - • You may purchase up to a maximum of $2,000.00 5,000.00 per day. - • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $500.00 1,500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - • There is no limit on the number of POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of $2,000.00 5,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - account • You may transfer up to the available balance in your accounts at the time of the transfer. - • Debit Card & POS are combined limit of $5,000.00. • See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you You may use your Visa® card to purchase goods and services from rom participating merchants. However, you may not use your card to initiate any type of gambling transaction. If I you wish to pay for or goods or services over the Internet, you may be required to provide card number security information before in ormation be ore you will be permitted to complete the transaction. You agree that you will not use your card for or any transaction that is illegal under applicable federalederal, state, or local law. Funds to cover your card purchases will be deducted from rom your checking account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft overdra t protection plan in order for or the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft overdra t resulting from rom these types of o transactions. Services and fees for overdrafts ees or overdra ts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft or overdra t protection and the Schedule of o Fees and Charges. For other types of o transactions, if i the balance in your account is not sufficient su icient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from trans er unds rom other deposit accounts, approved overdraft overdra t protection accounts, or loan accounts that you have established with the Credit Union. If I you initiate a transaction that overdraws your account, you agree to make immediate payment of o any overdrafts overdra ts together with any service charges to the Credit Union. In the event of o repeated overdraftsoverdra ts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification identi ication number (PIN) in ATMs of o the Credit Union, Instant CashCU24, and Cirrus® XXXXXX, PLUS, Member Access, VISA networks, and such other machines or facilities acilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - • Make deposits to your savings and checking accounts. - • Withdraw funds from unds rom your savings and checking accounts. - Transfer funds from • Trans er unds rom your savings, checking, and loan accounts. • Obtain balance in ormation or your savings and checking accounts. - Obtain balance information for • Make loan payments rom your savings and checking accounts. - • Access your overdra t loan account. • Make point-of-sale o -sale (POS) transactions with your card and personal identification identi ication number (PIN) to purchase goods or services at merchants that accept VisaVISA. - • Order goods or services by mail or telephone from rom places that accept VisaVISA. The following ollowing limitations on Visa the requency and amount o VISA Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - • You may purchase up to a maximum of o $2,000.00 3,500.00 per day. - There is no limit • You may withdraw up to the number of cash withdrawals you may make a maximum o $1,000.00 in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from rom an ATM machine, if i there are sufficient funds su icient unds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of o $2,000.00 from 2,500.00 rom POS terminals per day, if i there are sufficient funds su icient unds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - • You may transfer trans er up to the available balance in your accounts at the time of o the transfertrans er. - • See Section 2 for transfer or trans er limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking Share Draft 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 cove red 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 overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashPLUS, Visa, STAR, Discover, American Express, and Cirrus® Cirrus networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® STAR networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your savings Primary Share, Share Draft and checking All Purpose Share accounts. - Withdraw funds from your savings Primary Share, Share Draft and checking All Purpose Share accounts. - Transfer funds from your savings Primary Share, Share Draft and checking All Purpose Share accounts. - Obtain balance information for your savings Primary Share, Share Draft and checking All Purpose Share accounts. - Make First Line payments from your Primary Share, Share Draft and All Purpose Share accounts. - Access your First Line accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on the frequency and amount of Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 510.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 11 Visa Check Card purchases you make purchases, ATM withdrawals, and POS transactions per day. - Purchase amounts are limited to the amount in your account. - You may purchase (including POS transactions) up to a maximum of $2,000.00 5,000.00 per day. - There is no limit You may withdraw up to the number a maximum of cash withdrawals you may make $1,500.00 in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashSTAR, Visa Cirrus, Mastercard, Discover, PLUS, and Cirrus® American Express networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® STAR networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share and share draft checking accounts. - Withdraw funds from your savings share and share draft checking accounts. - Transfer funds from your savings share and share draft checking accounts. - Obtain balance information for your savings share and share draft checking accounts. - Make loan payments from your share and share draft checking accounts. - Access your unsecured Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 40 Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 2,500.00 per day. - There is no limit to the number of You may make five (5) cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 520.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashPLUS, Co-Op, and Cirrus® ACCEL/Exchange networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 50 Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of You may make three (3) cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of You may make 50 POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. - $500.00 PIN based per day; ATM and/or POS.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may be set up for ATM and POS access, ATM access only or ATM withdrawal access only and will be notified of your access type before receiving your card. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCU24, and Cirrus® PLUS, CU HERE, ACCEL/Exchange 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 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 Schedule of Fees and Charges. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashCU24, CU HERE, ACCEL/Exchange and Cirrus® PLUS networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - • Make deposits to your savings and checking accounts. - • Withdraw funds from your savings and checking accounts. - • Transfer funds from your savings and checking accounts. - • Obtain balance information for your savings and checking accounts. - • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - • Order goods or services by mail or telephone from places that accept Visa. • Personal Identification Numbers (PIN) may be changed at CFCU owned ATM machines and by phone. The following limitations on the frequency and amount of Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - • You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of make 5 cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $500.00 1,000.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - • There is no limit on the number of POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of $2,000.00 9,999.00 from POS terminals per day, if there are sufficient funds in your account. - • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - • You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions. • A business day is 4:00 p.m. Eastern time to 4:00 p.m. Eastern time the following day.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit UnionUnion that you may incur. 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 ATMs of the Credit Unioncredit union, Instant CashNYCE, and Cirrus® networksPLUS Network, CO-OP Network and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networksNYCE Network. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networksNetwork. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa networkNetwork. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - • Make deposits to your share savings and checking accountsaccounts at designated credit union machines or designated CO-OP Network and NYCE Networks. - • Withdraw funds from your savings and checking accountsaccounts at designated credit union ATM machines or designated CO-OP Network and NYCE Networks. - • Transfer funds from your savings and checking accounts. - • Obtain balance information for your savings and checking accounts. - • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - • Make point-of-sale (POS) Direct Debit Bill Payments using your card at participating NYCE vendors. • Make point-of-sale (POS) account to account (A2A) money transactions at participating NYCE ATMs. • Order goods or services by mail or telephone from places that accept Visa. The following limitations on the frequency and amount of Visa Check Card transactions may apply: - There is no limit on the number of • You may make ten (10) Visa Check Card purchases you make (non-PIN transactions**) per day. - Purchase amounts are limited to the amount in your account. - • You may purchase up to a maximum of $2,000.00 5,000 (non-PIN transactions**) per day. - • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $500.00 500 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - • There is no limit on the number of POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of $2,000.00 2,500 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. - • There may be a delay between the time an ATM deposit (either cash or check) is made and when it will be available for withdrawal. There may also be a delay for any other deposits and/or transactions due to system servicing and processing. • See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. If card is not used in twelve consecutive months, on the thirteenth month applicable fees will incur, check our Fee Schedule for up to date fees. If the card is not used in eighteen consecutive months, the card will be closed. 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit UnionUnion that you may incur. 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 ATMs of the Credit Unioncredit union, Instant CashNYCE, and Cirrus® networksPLUS Network, CO-OP Network and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networksNYCE Network. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networksNetwork. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa networkNetwork. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - • Make deposits to your share savings and checking accountsaccounts at designated credit union machines or designated CO-OP Network and NYCE Networks. - • Withdraw funds from your savings and checking accountsaccounts at designated credit union ATM machines or designated CO-OP Network and NYCE Networks. - • Transfer funds from your savings and checking accounts. - • Obtain balance information for your savings and checking accounts. - • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - • Make point-of-sale (POS) Direct Debit Bill Payments using your card at participating NYCE vendors. • Make point-of-sale (POS) account to account (A2A) money transactions at participating NYCE ATMs. • Order goods or services by mail or telephone from places that accept Visa. The following limitations on the frequency and amount of Visa Check Card transactions may apply: - There is no limit on the number of • You may make ten (10) Visa Check Card purchases you make (non-PIN transactions**) per day. - Purchase amounts are limited to the amount in your account. - • You may purchase up to a maximum of $2,000.00 5,000 (non-PIN transactions**) per day. - • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $500.00 500 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - • There is no limit on the number of POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of $2,000.00 2,500 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. - • There may be a delay between the time an ATM deposit (either cash or check) is made and when it will be available for withdrawal. There may also be a delay for any other deposits and/or transactions due to system servicing and processing. • See Section 2 for transfer limitations that may apply to these transactions. ** _NOTE: A non-pin transaction is a transaction that requires your signature for a purchase or for terminals where no signature or personal identification number (PIN) is required.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashSTAR, Visa, Cirrus, MasterCard, Discover, PLUS, and Cirrus® American Express networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® Visa STAR networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your savings share and share draft checking accounts. - Withdraw funds from your savings share and share draft checking accounts. - Transfer funds from your savings share and share draft checking accounts. - Obtain balance information for your savings share and share draft checking accounts. - Make loan payments from your share and share draft checking accounts. - Access your unsecured Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services in person, by mail mail, telephone or telephone by internet from places that accept Visa. The following limitations on the frequency and amount of Visa Check Card transactions may apply: - There is no limit on the number of You may make 40 Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 2,500.00 per day. - There is no limit to the number of You may make five (5) cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 520.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCirrus®, Co-Op, NYCE, Plus, and Cirrus® Interlink networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashCirrus®, Co-Op, NYCE, Plus, and Cirrus® Interlink networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share and checking accounts. - Withdraw funds from your savings share and checking accounts. - Transfer funds from your savings share and checking accounts. - Obtain balance information for your savings share and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 5,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 1,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s overdraft protection Overdraft Privilege 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 overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection Overdraft Privilege and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashPLUS, and Pulse, Cirrus® , Maestro networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the VisaVisa Pulse, Instant CashCirrus, and Cirrus® Meastro networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings savings, checking, and checking accountsLine of Credit accounts at ATMs, merchants, or financial institutions that accept Visa debit cards. - Transfer funds from between your savings and checking accounts. - Obtain balance information for your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your accountaccount up to $10,000.00 in a 24-hour period. - You may purchase make ATM withdrawals up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals 1,000.00 and you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per dayin a 24- hour period, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you You may use your Visa® card Card to purchase goods and services 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 number member 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 transactionstransaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may will 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. 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 ATMs of the Credit Union, Instant CashPLUS, Pulse and Cirrus® networksVISA, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card Card to: - ❖ Make deposits to your savings and or checking accountsaccounts (Ohio Only). - ❖ Withdraw funds from your savings and or checking accounts. - ❖ Transfer funds from your savings and to your checking accounts. - ❖ Transfer funds from your checking to your savings accounts. ❖ Obtain balance information for your savings and your checking accounts. - ❖ Make pointPOS (Point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept Visa. - ❖ Order goods or services by mail mail, telephone or telephone online from places that accept Visa. The following limitations on Visa the frequency and amount of VISA Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - ❖ Purchase amounts are limited to the amount in your account. - ❖ You may purchase up to a maximum of $2,000.00 1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - ❖ You may withdraw up to a maximum of $500.00 300.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - ❖ You may purchase up to a maximum of $2,000.00 1,500.00 from POS terminals per day, if there are sufficient funds in your account. - ❖ For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may ❖ Total debit limit (including ATM) of $1,500.00 per day. ❖ See “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. Call-24 If we approve CALL-24 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 CALL-24 to: ❖ Withdraw funds from your savings and checking accounts. ❖ Transfer funds from your savings and checking accounts. ❖ Obtain balance information for your savings, checking, loan, club, XXX, and certificate accounts. ❖ Make loan payments from your savings and checking accounts. ❖ Determine if a particular item has cleared. ❖ Verify the last date and amount of your payroll deposit. Your accounts can be accessed under CALL-24 via a touch tone telephone only. CALL-24 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 you as a 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.

Visa Check Card. If approved, you may use your Visa® Visa card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s member opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay for the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accountsloans, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa networkdelegate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings and checking share accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you may make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to on the number amount of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft (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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCirrus®, PLUS®, and Cirrus® Visa networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashSTAR, and Cirrus® CO-OP networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking share draft (checking) accounts. - Transfer funds Make loan payments from your savings share (savings) and checking share draft (checking)share (savings) and share draft (checking) accounts. - Obtain balance information for Access your savings and checking Overdraft Protection Plan (ODP) accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashPulse, PLUS, and Cirrus® CO-OP networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® Pulse networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 900.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 300.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 900.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashShare Excel, NYCE, PLUS, and Cirrus® Pulse networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashShare Excel, NYCE, and Cirrus® Pulse networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make loan payments from your share and share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 400.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 1,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you You may use your Visa® card Card to purchase goods and services from anyplace VISA 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 number member 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 transactionstransaction. 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 privilege and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may credit union will 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. 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 ATMs of the Credit Unioncredit union, Instant Cashshared branch credit unions, and Cirrus® networksStar, Pulse, Moneypass and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - ❖ Make deposits to your savings share and checking share draft accounts. - ❖ Withdraw funds from your savings share and checking share draft accounts. - ❖ Transfer funds from your savings share and checking share draft accounts. - ❖ Obtain balance information for your savings share and checking share draft accounts. - ❖ Make pointPOS (Point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept VisaVISA. - ❖ Order goods or services by mail or telephone from places that accept VisaVISA. The following limitations on Visa the frequency and amount of VISA Check Card transactions may apply: - There is no limit on the number ❖ You may make a maximum of Visa Check Card purchases you make 10 VISA Debit Card, ATM withdrawals and POS transactions per day. - Purchase amounts , not to exceed $1,000.00, if there are limited to the amount sufficient funds in your account. - ❖ You may make 10 VISA Debit Card purchases per day. ❖ You may purchase up to a maximum of $2,000.00 1,000.00 per day. - There is no limit to the number of ❖ You may make five (5) cash withdrawals you may make in any one (1) day from an ATM machine. - ❖ You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of ❖ You may make 15 POS transactions you may make in any one (1) day. - ❖ You may purchase up to a maximum of $2,000.00 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. - ❖ You may increase the amount available by calling the Credit Union prior to purchase. ❖ See Section 2 “transfer limitations” section for any transactions. Audio Response. If we approve 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 Audio Response 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, investment club, vacation club and Christmas 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 Audio Response via a touch tone telephone only. 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 you may make in any one day. ❖ See “transfer limitations limitations” 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 you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the 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. Online Banking. If we approve Online Banking for your accounts, a separate Username and Account Number with Password will be assigned to you. You must use your Username and Account Number with Password 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, and special accounts. ❖ Obtain balance information for your share, share draft, and special accounts. ❖ Make loan payments from your share and share draft accounts. ❖ Determine if a particular item has cleared. ❖ Obtain 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.

Visa Check Card. If approved, you may use your Visa® VISA card to purchase goods and services 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 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 ATM and one-time debit card transactions, you must consent to the Credit Union’s 's overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s 's opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® networks, Transfund networks and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa networkfacilitate. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - • Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings and checking accounts. - • Obtain balance information for your savings share and checking share draft accounts. - • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - • Order goods or services by mail mail, telephone or telephone online from places that accept Visa. • Add to your mobile wallet for purchases where accepted. The following limitations on Visa VISA Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of $2,000.00 from POS terminals 500.00 per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share, checking, and checking XXX accounts. - Withdraw funds from your savings share and checking accounts. - Transfer funds from your savings share and checking accounts. - Obtain balance information for your savings share and checking accounts. - Make loan payments from your share, checking, money market, and Payment Enclosed accounts. - Access your Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 25 Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 9,999.00 per day. - There is no limit to the number of You may make 99 cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. - Other withdrawal limitations may apply if the Visa system is offline and the amounts cannot be authorized.

Visa Check Card. If approved, you You may use your Visa® card Visa Check Card (card) to purchase goods and services 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 number 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 Visa Check 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 transactionstransaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on at all times remains the number property of the credit union. Upon termination of this disclosure and agreement, you agree to surrender your Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount credit union immediately. If the card is lost or stolen, you agree to notify the credit union immediately upon discovery of such loss or theft. The credit union reserves the right to retrieve or seek the immediate return of your Visa Check Card without prior notice to you in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in event that any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.following conditions occur:

Visa Check Card. If approved, you You may use your Visa® card Card to purchase goods and services from anyplace VISA 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 number member 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 transactionstransaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may credit union will 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. 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 ATMs of the Credit Union, Instant Cash, and Cirrus® networkscredit union, and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® Visa networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At Please refer to the present time, you may also use your card to: - Member Liability section of this Agreement for terms and conditions.  Make deposits to your savings share and checking share draft accounts. -  Withdraw funds from your savings share and checking share draft accounts. -  Transfer funds from your savings share and checking share draft accounts. -  Obtain balance information for your savings share and checking share draft accounts. -  Make pointloan payments from your share and share draft accounts.  Access your Over draft line of credit account, if opted in.  Make POS (Point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept VisaVISA. -  Order goods or services by mail or telephone from places that accept VisaVISA.  The following limitations on Visa the frequency and amount of VISA Check Card transactions may apply: - There is no limit on the number  You may make a maximum of Visa Check twenty (20) VISA Debit Card purchases you make and POS transactions per day. - Purchase amounts are limited to the amount in your account. -  You may purchase up to a maximum of $2,000.00 2500.00 per dayday if there are sufficient funds in your account. - There is no limit  You may withdraw up to the number a maximum of cash withdrawals you may make $1000.00 in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, machine if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. -  You may purchase up have access to a maximum total of $2,000.00 from POS terminals per day, 3500 a day between withdrawals and purchases if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. -  You may transfer up to the available balance in your accounts at the time of the transfer. -  See Section 2 “transfer limitations” section for any transactions. Audio Response. If we approve 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 Audio Response 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, investment club, vacation club and Christmas 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 Audio Response via a touch tone telephone only. 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 you may make in any one day.  See “transfer limitations limitations” 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 you as a primary member and will be mailed to your address of record. The Credit Union may set other limits on the 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. 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, investment club, vacation club and Christmas 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.  Direct Deposit. Upon instruction of (i) your employer or (ii) the Treasury Department or (iii) other financial institutions, the Credit Union will accept 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, and 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, you may stop payment of preauthorized transfers from your account. You must notify us orally or in writing at any time up to three (3) business days before the scheduled date of the transfer. We may require written confirmation of the stop payment order to be made within fourteen (14) days of any oral notification. If we do not receive the written confirmation, the oral stop payment order shall cease to be binding fourteen

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® Visa networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking deposit accounts. - Withdraw funds from your savings and checking deposit accounts. - Transfer funds from your savings and checking deposit accounts. - Obtain balance information for your savings and checking deposit accounts. - Access your Quick Cash Line of Credit accounts. O:PDF:eft agreement and disclosure.pdf - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 2,500.00 per day. - There is no limit to the number of You may make ten (10) cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one make ten (110) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. - You may withdraw up to a maximum of $1,000.00 in any one (1) day, if there are sufficient available funds in your account.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the available balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashPLUS, CU24, and Cirrus® CUHere networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® CU24 networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings savings, checking, and checking money market accounts. - Withdraw funds from your savings savings, checking, and checking money market accounts. - Transfer funds from your savings savings, checking, loan, and checking money market accounts. - Obtain balance information for your savings savings, checking, loan, and checking money market accounts. - Make loan payments from your savings, checking, and money market accounts. - Access your Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 5,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions For My$tash Checking accounts, you may make withdraw up to a maximum of $100.00 in any one (1) dayday from an ATM machine, if there are sufficient funds in your account. - You may purchase up to a maximum of $2,000.00 5,000.00 from POS terminals per day, if there are sufficient funds in your account. - For My$tash Checking accounts, you may withdraw up to a maximum of $250.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. - $5,000.00 aggregate per day.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and ChargesCharges (“Fee Schedule”). For other types of transactions, if the available balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, Visa and Cirrus® NYCE networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® NYCE networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - • Make deposits to your savings and checking accounts. - • Withdraw funds from your savings and checking accounts. - • Transfer funds from your savings and checking accounts. - • Obtain balance information for your savings and checking accounts. - • Access your Overdraft Protection accounts. • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - • Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of • You may make five (5) Visa Check Card purchases you make per hour. •You may purchase up to a maximum of $5,000.00 per day. - Purchase amounts • You may make three (3) cash withdrawals in any one (1) day from an ATM. • You may withdraw up to a maximum of $1,000.00 in any one (1) day from an ATM, if there are limited to the amount sufficient available funds in your account. - • You may make five (5) POS transactions per hour. • You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 5,000.00 from POS terminals per day, if there are sufficient available funds in your account. - • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - • You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions. • Aggregate withdrawal limit per day for ATM and POS purchases combined cannot exceed $5,000.00.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashPULSE, and CirrusPLUS® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashPULSE, and CirrusPLUS® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make loan payments from your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 20 Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 2,500.00 per day. - There is no limit to the number of You may make 20 cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashSTAR, Allpoint, PLUS®, Xxxxxx, and Cirrus® Co-Op networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the VisaVisa STAR, Instant CashAllpoint, PLUS®, Xxxxxx, and Cirrus® Co-Op networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability l iability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 1,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If you approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashAllpoint, PLUS, and Cirrus® The Exchange networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashAllpoint, PLUS, and Cirrus® The Exchange networks. However, provisions of this Agreement relating only related to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accountsshare draft account. - Obtain balance information for your savings and checking you share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 50 Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 3000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 1000.00 from POS terminals per day, day if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs automated teller machines (ATMs) of the Credit Union, Instant Cash, VISA and Cirrus® CO-OP networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® CO-OP networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 10,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® and Pulse networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Visa Cirrus® and Pulse networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share (savings) and checking share draft accounts. - Withdraw funds from your savings share (savings) and checking share draft accounts. - Transfer funds from your savings share (savings) and checking share draft accounts. - Obtain balance information for your savings share (savings) and checking share draft accounts. - Make loan payments from your share (savings) and share draft accounts. - Access your Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 2,005.00 per day. - There is no limit to the number of You may make three (3) cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 505.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking Share Draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCU Anytime, and Cirrus® PULSE, or Plus networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 605.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashNYCE, ACCEL/Exchange, and Cirrus® CU24 networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashNYCE, ACCEL/Exchange, and Cirrus® CU24 networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - • Make deposits to your savings share and checking share draft accounts. - • Withdraw funds from your savings share and checking share draft accounts. - • Transfer funds from your savings share and checking share draft accounts. - • Obtain balance information for your savings share and checking share draft accounts. - • Make loan payments from your share and share draft accounts. • Access your Overdraft Line of Credit accounts. • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - • Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of • You may make 12 Visa Check Card purchases you make per day. - • Purchase amounts are limited to the amount in your account. - • You may purchase up to a maximum of $2,000.00 2,500.00 per day. - There is no limit to the number of • You may make five (5) cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of • You may make 12 POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - • You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) access code in ATMs of the Credit Union, Instant CashCirrus, Accel, and Cirrus® PLUS networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® Accel networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make ten (10) Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 5,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 1,000.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 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 Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® Cirrus networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make ten (10) Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals 1,000.00 per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCirrus, Co-Op, Pulse, and Cirrus® Visa networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashCirrus, Co-Op, and Cirrus® Pulse networks. However, provisions of this the Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of the Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking share draft accounts. - Obtain balance information for your savings and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 200.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from 500.00 fro POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice c hoice for overdraft protection and the Schedule of Fees and Charges. For s use of available balance, and authorized holds on debit card transactions, refer to the Membership and Account Agreement. For other types of transactions, if the available balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashACCEL, Cirrus®, and Cirrus® PLUS networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashACCEL, Cirrus®, and Cirrus® PLUS networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make ten (10) Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your accounthour. - You may purchase up to a maximum of $2,000.00 1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 (ATM and POS aggregate) in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashTransfund, Cirrus®, and Cirrus® Pulse networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashTransfund, Cirrus, and Cirrus® Pulse networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings savings, checking, money market, and checking club accounts. - Withdraw funds from your savings savings, checking, money market, and checking club accounts. - Transfer funds from your savings savings, checking, money market, and checking club accounts. - Obtain balance information for your savings savings, checking, money market, and checking club accounts. - Make loan payments from your savings, checking, money market, and club accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 2,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 505.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you You may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. 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, state or local law. Funds to cover your card purchases will be deducted from your checking share draft account. For ATM and one-time debit card transactions, 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 overdrafts are shown in the document the Credit Union Unions uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees Rates and ChargesFee Schedule. For other types of transactions, if the balance in your account is not t sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other another deposit accountsaccount, approved overdraft protection accounts, or loan accounts that you have been established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreementagreement. You may use your card and personal identification number (PIN) in ATMs ATM’s of the Credit UnionUnions, Instant Cash, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, addition you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® Star networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to Member Liability section of this Agreement for terms and conditions. At the present time, this time you may also use your this card to: - Make deposits to your savings and checking accounts. -  Withdraw funds from your savings and checking accountsshare draft account. - Transfer funds from your savings and checking accounts. -  Obtain balance information for your savings and checking accountsshare draft account. -  Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. -  Order goods or services by mail or telephone from places that accept Visa. . The following limitations on the frequency and amount of Visa Check Card transactions may apply: - There is no limit on the number of  You may make nine (9) Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. -  You may purchase up to a maximum of $2,000.00 2500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. -  You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of  You may make nine (9) POS transactions you may make in any one (1) day. -  You may my purchase up to a maximum of $2,000.00 2500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking account. If card is not used in twelve consecutive months, on the thirteenth month applicable fees will incur, check our Fee Schedule for up to date fees. If the card is not used in eighteen consecutive months, the card will be closed. 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit UnionUnion that you may incur. 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 ATMs of the Credit Unioncredit union, Instant CashNYCE, and Cirrus® networksPLUS Network, CO-OP Network and such other machines or facilities as the Credit Union credit union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networksNYCE Network. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networksNetwork. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa networkNetwork. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - • Make deposits to your share savings and checking accountsaccounts at designated credit union machines or designated CO-OP Network and NYCE Networks. - • Withdraw funds from your savings and checking accountsaccounts at designated credit union ATM machines or designated CO-OP Network and NYCE Networks. - • Transfer funds from your savings and checking accounts. - • Obtain balance information for your savings and checking accounts. - • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - • Make point-of-sale (POS) Direct Debit Xxxx Payments using your card at participating NYCE vendors. • Make point-of-sale (POS) account to account (A2A) money transactions at participating NYCE ATMs. • Order goods or services by mail or telephone from places that accept Visa. The following limitations on the frequency and amount of Visa Check Card transactions may apply: - There is no limit on the number of • You may make ten (10) Visa Check Card purchases you make (non-PIN transactions**) per day. - Purchase amounts are limited to the amount in your account. - • You may purchase up to a maximum of $2,000.00 5,000 (non-PIN transactions**) per day. - • There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $500.00 500 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - • There is no limit on the number of POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of $2,000.00 2,500 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. - • There may be a delay between the time an ATM deposit (either cash or check) is made and when it will be available for withdrawal. There may also be a delay for any other deposits and/or transactions due to system servicing and processing. • See Section 2 for transfer limitations that may apply to these transactions. ** _NOTE: A non-pin transaction is a transaction that requires your signature for a purchase or for terminals where no signature or personal identification number (PIN) is required.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCirrus®, and Cirrus® Pulse, Alliance One networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share, share draft, and checking club accounts. - Transfer funds from your savings share, share draft, and checking club accounts. - Obtain balance information for your savings share, share draft, and checking club accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 50 Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 1,000.00 per day. - There is no limit to the number of You may make 23 cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 300.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of You may make 50 POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashSTAR, Visa and Cirrus® Plus networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashSTAR, Plus, and Cirrus® Gateway networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings and checking share accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 1,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashPLUS®, ACCEL/Exchange, and Cirrus® AllPoint networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® ACCEL/Exchange networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Access your Open End, Overdraft and HELOC accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 750.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 1,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCirrus®, Co-Op, and Cirrus® Pulse networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashCirrus®, Co-Op, and Cirrus® Pulse networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share and checking accounts. - Withdraw funds from your savings share and checking accounts. - Transfer funds from your savings share and checking accounts. - Obtain balance information for your savings share and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 25 Visa Check Card signature-based purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 1,500.00 per day. - There is no limit to the number of You may make 10 cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of You may make 10 POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® Visa networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking deposit accounts. - Withdraw funds from your savings and checking deposit accounts. - Transfer funds from your savings and checking deposit accounts. - Obtain balance information for your savings and checking deposit accounts. - Access your Quick Cash Line of Credit accounts. O:PDF:eft agreement and disclosure.pdf - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 2,500.00 per day. - There is no limit to the number of You may make ten (10) cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one make ten (110) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. - You may withdraw up to a maximum of $1,000.00 in any one (1) day, if there are sufficient available funds in your account.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashAccel/Exchange, Allpoint, PLUS and Cirrus® VISA networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make pointPOS (Point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept VisaVISA. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa VISA Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you You may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCU24, and Cirrus® XXXXXX, PLUS, Member Access, VISA networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - • Make deposits to your savings and checking accounts. - • Withdraw funds from your savings and checking accounts. - • Transfer funds from your savings savings, checking, and checking loan accounts. - • Obtain balance information for your savings and checking accounts. - • Make loan payments from your savings and checking accounts. • Access your overdraft loan account. • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept VisaVISA. - • Order goods or services by mail or telephone from places that accept VisaVISA. The following limitations on Visa the frequency and amount of VISA Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - • You may purchase up to a maximum of $2,000.00 3,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $500.00 1,000.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - • You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® Cirrus networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card and personal identification number (PIN) to access your account. You may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking Savings and Checking account. For ATM and one-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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, accounts or approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashSTAR, and Cirrus® PLUS networks, and Visanet network such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. -  Withdraw funds from your savings and checking share draft accounts. - Transfer funds from your savings and checking accounts. -  Obtain balance information for your savings and checking accounts. -  Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept except Visa. -  Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: -  There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. -  You may purchase up to a maximum of $2,000.00 505.00 per day, if there are sufficient funds in your account. -  There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. -  You may withdraw up to a maximum of $500.00 105.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. -  There is no limit on the number of POS transactions you may make in any one (1) day. -  You may purchase up to a the maximum of $2,000.00 400.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on See the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 section “Transfer Limitations” for transfer information about additional transaction limitations that may apply to these transactionsapply.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. For ATM and one-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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-opt- in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashSTAR, PLUS, CU$, Alliance One, PNC, AllPoint, and Cirrus® CO-OP networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking accounts. - Transfer funds from your savings and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail mail, telephone or telephone internet from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There The open to buy limit is no a revolving three (3) day limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account1,200.00. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you You may use your Visa® card Card to purchase goods and services from anyplace VISA 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 number member 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 transactionstransaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may credit union will 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. 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 ATMs automated teller machines of the Credit Union, Instant Cash, and Cirrus® networks, Union and such other machines or facilities as the Credit Union may designate. .. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networksnetwork. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At Please refer to the present time, you may also use your card to: - Member Liability section of this Agreement for terms and conditions. ❖ Make deposits to your savings share and checking share draft accounts. - ❖ Withdraw funds from your savings share and checking share draft accounts. - ❖ Transfer funds from your savings share and checking share draft accounts. - ❖ Obtain balance information for your savings share and checking share draft accounts. - ❖ Make pointloan payments from your share and share draft accounts. ❖ Access your Over draft line of credit account. ❖ Make POS (Point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept VisaVISA. - ❖ Order goods or services by mail or telephone from places that accept VisaVISA. The following limitations on Visa the frequency and amount of VISA Check Card transactions may apply: - There is no limit on the number of ❖ You may make unlimited Visa Check Card purchases you make Debit transactions per business day. - Purchase amounts , not to exceed $1500, if there are limited to the amount sufficient funds in your account. - ❖ You may purchase up to a maximum of $2,000.00 per make 10 transactions in any business day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - ❖ You may withdraw up to a maximum of $500.00 500 in any one (1) business day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - ❖ For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - ❖ You may transfer up to the available balance in your accounts at the time of the transfer. - ❖ See Section 2 “transfer limitations” section for any transactions. Audio Response. If we approve 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 Audio Response 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, investment club, vacation club and Christmas 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 Audio Response via a touch tone telephone only. 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 you may make in any one day. ❖ See “transfer limitations that limitations” 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 you as a primary member and will be mailed to your address of record. The Credit Union may apply set other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may refuse to these transactions.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. 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 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 other mobile devices. Online Banking will be available for your convenience twenty-four

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashVisa, PLUS, and Cirrus® Interlink networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa PLUS and Cirrus® Interlink networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to Withdraw funds from your savings and checking accounts. - Withdraw funds from Make deposits to your savings and checking accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 2,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 1,00.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - You may deposit up to a maximum of $3,500.00 per one (1) transaction. - The customary amount of time needed to make a Visa Check Card purchase at a merchant facility and have the transaction posted to your account is 2 business days. - The customary amount of time needed to make a POS purchase at a POS terminal and have the transaction posted to your account is 2 business days. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashCirrus®, Co-Op, XXXX, Xxxxxx, Plus, and Cirrus® Interlink networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashCirrus®, Co-Op, XXXX, Xxxxxx, Plus, and Cirrus® Interlink networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share and checking share draft accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 5,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 1,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft (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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashPLUS, ACCEL, and Cirrus® Co-Op networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashPLUS, ACCEL, and Cirrus® Co-Op networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share (savings), share draft (checking), and checking money market accounts. - Withdraw funds from your savings share (savings), share draft (checking), and checking money market accounts. - Transfer funds from your savings share (savings), share draft (checking), and checking money market accounts. - Obtain balance information for your savings share (savings), share draft (checking), and checking money market accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 600.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashACCEL, PLUS, SurF, and Cirrus® ME24 networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® ACCEL networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make eight (8) Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 2,500.00 per day. - There is no limit to the number of You may make five (5) cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 750.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of You may make eight (8) POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashPulse, PLUS, and Cirrus® CUSC networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Pulse and Cirrus® PLUS networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. - Change your personal identification number (PIN). The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 35 Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your accountday (signature based transactions). - You may purchase up to a maximum of $2,000.00 5,000.00 per day. - There is no limit to the number of You may make 35 cash withdrawals you may make and/or point-of-sale (POS) transactions in any one (1) day from an ATM machinemachine (PIN or PINless transactions). - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashPLUS, and Cirrus® STAR networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashPLUS, and Cirrus® Star networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions.‌ At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 3,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 800.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 1,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashSTAR, PLUS, and Cirrus® Honor networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashSTAR, and Cirrus® PLUS networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 15 combined Visa Check Card purchases you make purchases, cash withdrawals, and point-of-sale (POS) transactions per day. - Purchase amounts are limited to the amount in your account. - You may purchase, withdraw from an ATM, and purchase at a point-of-sale (POS) terminal up to a combined maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a ; maximum of $500.00 1,000.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 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 transferwithdrawals. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashShare Excel, NYCE, PLUS, and Cirrus® Pulse networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the VisaVisa Share Excel, Instant CashNYCE, and Cirrus® Pulse networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your share draft and savings and checking accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your share draft and savings and checking accounts. - Obtain balance information for your share draft and savings accounts. - Make loan payments from your share draft and checking savings accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 400.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 1,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashTransfund, and Cirrus® PULSE, Cirrus networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the VisaVisa Transfund, Instant CashPULSE, and Cirrus® Cirrus networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 2,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 605.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashSTAR, and Cirrus® PLUS, Honor networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make fifteen (15) Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 1,000.00 per day. - There is no limit to the number of You may make fifteen (15) cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 400.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of You may make fifteen (15) POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 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 Section 2 for transfer limitations that may apply to these transactions. - Maximum of $1,000.00 including $400.00 ATM withdrawal limit; fifteen (15) total transactions per day.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, Shazam and Cirrus® STAR networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® STAR networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings savings, checking, and checking money market accounts. - Transfer funds from your savings savings, checking, and checking money market accounts. - Obtain balance information for your savings savings, checking, and checking money market accounts. - Make loan payments from your savings, checking, and money market accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 1,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you You may use your Visa® card Card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactiontransactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card Card purchases will be deducted from your share 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 transactionstransaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card Card and personal identification number PIN (PINPersonal Identification Number) in ATMs automated teller machines of the Credit Union, Instant Cash, PLUS and Cirrus® VISA networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card Card to: - Make deposits to your savings and checking accounts. - • Withdraw funds from your savings and share checking accounts. - Transfer funds from your savings and checking accounts. - • Obtain balance information for your savings and share checking accounts. - • Make pointPOS (Point-of-sale (POSSale) transactions with your card Card and personal identification number PIN (PINPersonal Identification Number) to purchase goods or services at merchants that accept VisaVISA. - • Order goods or services by mail or telephone from places that accept VisaVISA. The following limitations on Visa the frequency and amount of VISA Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - • You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of not exceed $500.00 in any one transactions per twenty-four (124) day from an hour period in combination with ATM machinetransactions (if PIN required), or not to exceed your available balance if there are sufficient funds in your accountPIN not required. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - • For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking Share Draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may will 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 account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashPlus, STAR, Co-Op, Alaska Option, and Cirrus® Cirrus networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - • Make deposits to your savings share, share draft, and checking overdraft accounts. - • Withdraw funds from your savings share, share draft, and checking overdraft accounts. - • Transfer funds from your savings share, share draft, and checking overdraft accounts. - • Obtain balance information for your savings share, share draft, and checking overdraft accounts. - • Access your Overdraft (OD) accounts. • Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - • Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa the frequency and amount of VISA Check Card transactions may apply: - There is no limit on the number of Visa • You may make 15 VISA Check Card purchases you make per day. - • Purchase amounts are limited to the amount in your account. - • You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of make five (5) cash withdrawals you may make in any one (1) day from an ATM machine. - • You may withdraw up to a maximum of $500.00 999.99 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - • You may purchase up to a maximum of $2,000.00 ten (10) from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - • You may transfer up to the available balance in your accounts at the time of the transfer. - • See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card and personal identification number (PIN) to access your account. You may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share and share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, accounts or approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® STAR networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® Visa STAR networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: -  Make deposits to your savings share and checking share draft accounts. -  Withdraw available funds from your savings share and checking share draft accounts. -  Transfer available funds from your savings share and checking share draft accounts. -  Obtain balance information for your savings share and checking share draft accounts. -  Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. -  Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of  You may make (15) Visa Check Card transactions per day OR make purchases you make or withdrawals up to a maximum of $1,500.00 per day, whichever comes first. -  Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. -  For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. -  You may transfer up to the available balance in your accounts at the time of the transfer. -  See Section 2 the section “Transfer Limitations” for transfer information about additional transaction limitations that may apply to these transactionsapply.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft account. For ATM and one-time debit card transactions, you must consent to the Credit Union’s 's overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s 's opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® Visa networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant CashGenie, and Cirrus® CU24 networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings and checking share draft accounts. - Transfer funds from your savings share and checking share draft accounts. - Obtain balance information for your savings share and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number Number (PIN) to purchase goods or services at merchants that accept VisaVISA. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 1,000 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 300.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 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 Section section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® networks, Union and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 (when system is online) in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There You may withdraw up to a maximum of $100.00 (when system is no limit on the number of POS transactions you may make offline) in any one (1) dayday from an ATM machine, if there are sufficient funds in your account. - You may purchase up to a maximum of $2,000.00 2,500.00 (when system is online) from POS terminals per day, if there are sufficient funds in your account. - You may purchase up to a maximum of $250.00 (when system is offline) from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your checking share draft 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® AllPoint networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, Visa and Cirrus® AllPoint networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa debit Debit transaction, you may sign a receipt, provide a card number, number or swipe or insert your card at through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your card to: - Make deposits to your savings and checking accounts. - Withdraw funds from your savings share and checking accounts. - Transfer funds from your savings and checking accounts. - Obtain balance information for your savings and checking share draft accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. - There are daily withdrawal and purchase limits. You will be notified of these limits by the Credit Union before you receive your Visa Check Card.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant CashVisa, PLUS, and Cirrus® Interlink networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, PLUS and Cirrus® Interlink networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card 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 your savings and checking accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 2,500.00 per day. - There is no limit to the number of cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 1,000.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - The approximate amount of time needed to make a Visa Check Card purchases transaction at an ATM and have the transaction posted to your account is two (2) business days. - The approximate amount of time needed to make a purchase with your debit card at a merchant terminal and have the transaction posted to your account is two (2) business days. - See Section 2 for transfer limitations that may apply to these transactions. - You may deposit up to a maximum of $3,500.00 per one (1) transaction. Card Information Updates and Authorizations. If you have authorized a merchant to bill charges to your card on a recurring basis, it is your responsibility to notify the merchant in the event your card is replaced, your card information (such as card number and expiration date) changes, or the account associated with your card is closed. However, if your card is replaced or card information changes, you authorize us, without obligation on our part, to provide the updated card information to the merchant in order to permit the merchant to bill recurring charges to the card. You authorize us to apply such recurring charges to the card until you notify us that you have revoked authorization for the charges to your card. Your card is automatically enrolled in an information updating service. Through this service, your updated card information (such as card number and expiration date) may be shared with participating merchants to facilitate continued recurring charges. Updates are not guaranteed before your next payment to a merchant is due. You are responsible for making direct payment until recurring charges resume. To revoke your authorization allowing us to provide updated card information to a merchant, please contact us.

Visa Check Card. If approved, you may use your Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your card purchases will be deducted from your 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 transactions. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your card and personal identification number (PIN) in ATMs of the Credit Union, Instant Cash, and Cirrus® networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa, Instant Cash, and Cirrus® networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your liability and streamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. To initiate a Visa debit transaction, you may sign a receipt, provide a card number, or swipe or insert your card at a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. At the present time, you may also use your card to: - Make deposits to your savings share, checking, and checking IRA accounts. - Withdraw funds from your savings share and checking accounts. - Transfer funds from your savings share and checking accounts. - Obtain balance information for your savings share and checking accounts. - Make loan payments from your share, checking, money market, and Payment Enclosed accounts. - Access your Line of Credit accounts. - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at merchants that accept Visa. - Order goods or services online or by mail or telephone from places that accept Visa. The following limitations on Visa Check Card transactions may apply: - There is no limit on the number of You may make 25 Visa Check Card purchases you make per day. - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $2,000.00 9,999.00 per day. - There is no limit to the number of You may make 99 cash withdrawals you may make in any one (1) day from an ATM machine. - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - There is no limit on the number of POS transactions you may make in any one (1) day. - You may purchase up to a maximum of $2,000.00 from POS terminals per day, if there are sufficient funds in your account. - For security purposes, there are other limits on the frequency and amount of transfers available at ATMs. - You may transfer up to the available balance in your accounts at the time of the transfer. - See Section 2 for transfer limitations that may apply to these transactions. - Other withdrawal limitations may apply if the Visa system is offline and the amounts cannot be authorized.