Common use of Visa Debit Card Clause in Contracts

Visa Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to 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 certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any time.

Visa Debit Card. You may use your Card card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card 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 (checking) account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of 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 Fee Schedule. As of 09/01/2017, the Credit Union no longer offers an overdraft ability for one-time debit card transactions. 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 with a fee as disclosed in our Rate Schedule or treat the transaction as a request to transfer funds from other deposit accounts, accounts or an approved overdraft protection accounts or loan accounts line of credit 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 fees charged to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card card and PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Visa Debit Card to: • − Make deposits to your share savings (savings) and checking share draft (checking) accounts. • ; − Withdraw funds from your share (savings) and share draft (checking) accounts; − Transfer funds from your share savings (savings) and checking share draft (checking) accounts. • ; − Obtain balance information for your share savings (savings) and checking share draft (checking) accounts. • ; − Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • ; − Order goods or services by mailmeans of the internet, Internet mail or telephone from places that accept Visa. • Some functions may be limited ; and − Receive cash back at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accountsmerchants (if the merchant policy permits). The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You − Based on the type of account you have with the Credit Union, there may make 15 Debit Card purchases per day. • You be limits on frequency and amounts of transactions available at ATM and POS locations; − Due to the nature of the “ATM” system, there may purchase up to a maximum be delays between the time of $3,500.00 per day. • You may make 15 cash withdrawals any activity on your account(s) and the time it is reflected in any one (1) day from an ATM machine. • our records of your account(s); − 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. • You may make 15 POS transactions in any one account (1) day. • You may purchase up to a maximum Lower limits of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • 100.00 apply to the Bridge Share Draft (checking) Account); − You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, ; − You may purchase up to $2,000.00 per day at point-of-sale (POS) locations (Lower limits of $1,000.00 apply to the charge will be converted into Bridge Share Draft (checking) Account); and − See the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries Credit Union’s Funds Availability Policy and Disclosures for limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your VISA Debit Card to purchase goods and services from any place your Card is honored by participating merchants. If you wish to pay for goods , including Point of Sale (POS) terminals within the Co-Op Networks (with PIN) and CO-OP, ACCEL, and VISA Networks (without PIN) or services over such other POS terminals as the Internet, you Credit Union 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 lawdesignate. Funds to cover your Card purchases will be deducted from your checking account. 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 an overdraft 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 pursuant to the Credit Union. In the event of repeated overdrafts, the Credit Union Overdraft Service or may terminate all services under this the Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card toDebit card to make the following transactions on your accounts: • Make deposits to Withdraw cash from your share savings and savings, or checking accounts. • Transfer funds from between your share savings and savings, checking accounts or loan accounts. • Obtain account balance information for your share on savings and checking accounts. • Make certain loan payments from your share savings and or checking accounts. • Access Make deposits to your Personal Line of savings or checking accounts at Credit accountUnion ATMs and selected Co-op Network ATMs. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations There is no limit on the frequency and amount number of Visa Debit POS purchase transactions you may make by Card transactions may apply: • during a statement period. You may make 15 Debit Card purchases per day. • You may purchase amounts up to a maximum of $3,500.00 2,500 per day, for signature-based transactions. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You may withdraw purchase amounts up to a maximum of $500.00 in any one 1,000 per day, for PIN-based transactions. You may withdraw up to $500 (1) day from an ATM machine, if there are sufficient funds available in your account) per day at any authorized ATM, subject to security requirements and limits placed by each individual ATM. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, The Credit Union reserves the right to deny such transactions is within refuse any transaction which would draw upon insufficient funds, lower an account below a required balance, or otherwise require us to increase our sole discretion required reserve on the account. The Credit Union may set security requirements and atfected countries other limits on the amount of any transaction, and you will be notified of those limits. The Credit Union may change at refuse to honor any timetransaction for which you do not have sufficient available verified funds.

Visa Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to 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 certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfectedaffected. However, the right to deny such transactions is within our sole discretion and atfected affected countries may change at any time.

Visa Debit Card. You may use your Visa Debit Card and PIN to perform all of the functions listed above in the ATM Card Access section. Additionally, you may also: • Withdraw funds from your savings, checking, and money market accounts. • Make deposits to your savings, checking, money market, and club accounts. • Transfer funds between your savings, checking, and money market accounts whenever you request. • Obtain balance information on your savings, checking, money market, and club accounts. • Make loan payments from your savings, checking, and money market accounts. • Pay for purchases at places that have agreed to accept the Card. • Make POS (Point of Sale) transactions to purchase goods and or services from participating merchantsat POS terminals that have the Visa logo. If you wish to pay for • Pay bills or make other transactions on Non-Visa Networks (STAR, ACCEL) without a PIN* • Order goods or services over the Internetby mail, 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, statetelephone, or local lawvia the Internet from places that accept the Card. Funds to cover your Card • Make cash withdrawals in foreign countries and in foreign currencies. Some services may not be available at all terminals. The amount of purchases and/or cash obtained (if permitted) will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accounts. • Transfer funds Advances from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointline-of-Sale) credit account are loans that must be repaid by you, and are governed by your line- of-credit agreement. *Non-Visa PIN-less transactions with your Card will not be processed as Visa transactions and PIN (Personal Identification Number) therefore will not include Visa's zero liability or chargeback and dispute resolution benefits. Additionally, provisions of this agreement relating only to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at Visa transactions are not applicable to non-proprietary ATMs; features may be limited to POS only, according to merchantVisa and PIN-less debit transactions. • Withdraw funds from your share savings and checking accountsLimitations. The following limitations will apply to your Card: • The maximum dollar amount of cash withdrawals per day is $1,500. Sufficient funds must be available to make any withdrawal. The maximum purchase price for any one transaction at a POS Terminal is $2,500. The combined limit for both cash withdrawals and POS transactions is $3,500. There is no limit on the frequency and amount number of Visa Debit Card transactions may apply: • You cash withdrawals or purchases you may make 15 Debit Card purchases per in one day. • You For security reasons, there are other limitations to frequency and number of transfers you may purchase up to a maximum of $3,500.00 per daymake at ATMs. • Your available account balance may be reduced for preauthorizations for 3 business days or until the transaction clears. • You may are not allowed to make 15 cash withdrawals in any one (1) day from deposits at 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual that we do not operate or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeown.

Visa Debit Card. You may use your Visa Debit Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide the card number security information before you will be permitted to complete the transaction. You agree that you will not use your Debit Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Debit Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union credit union may pay the amount and treat the transaction as a request to transfer funds from approved Overdraft Protection accounts, or other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Unioncredit union, or, if you have so elected, to cover the transaction with Courtesy Pay. See your Courtesy Pay Disclosures. 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 Agreementcredit union. You may use your Debit Card and PIN (Personal Identification Number) in at credit union-owned ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designateparticipating nonproprietary ATMs. At the present time, in addition to the functions listed above in the ATM Card Access section, you may also use your Debit Card to: • •□Withdraw funds from your accounts •□Make deposits to your share savings and checking accounts. • You will be limited to 10 deposits per day with a maximum amount of $999,999.99. •□Transfer funds from between your share savings and checking accountsaccounts whenever you request. • •□Obtain balance information for on your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • •□Make POS (Point-of-Point of Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visatransactions routed through the networks listed on the back of your Debit Card. • •□Make POS signature-based transactions routed through VISA® . •□Pay bills or make other transactions on Non-Visa Networks without a PIN* •□Order goods or services by mail, telephone, or via the Internet or telephone from places that accept VISA®. Some services on ATM or Debit Cards may not be available at all terminals. The amount of purchases and/or cash obtained (if permitted) will be deducted from your checking account. Non-Visa PIN-less transactions will not be processed as Visa transactions and therefore will not include Visa's zero liability or chargeback and dispute resolution benefits. • Some functions may be limited at Additionally, provisions of this agreement relating only to Visa transactions are not applicable to non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings Visa and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timePIN-less debit transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusSTAR, VISAVisa, CO-OPAllpoint, and ACCEL Co-Op networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to - 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 certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 up to 99 Visa Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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- For security purposes, if there are sufficient funds in your accountother limits on the frequency and amount of transfers available at ATMs. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge - See Section 2 for transfer limitations that may apply to these transactions. - Maximum ATM withdrawals and POS transactions per day of $1,000.00 if there are sufficient funds in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeaccount.

Visa Debit Card. You may use your Card card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your Credit Union checking account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft privilege in order for the transaction amount to be covered under the privilege. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the Fee Schedule. For other transaction types, 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 coverage 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 PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. You may use your card and PIN at FAST ATMs, STAR, VISA/PLUS and CO-OP ATMs, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN, in which case you initiate payment authorization by signing a receipt, providing the card number, or swiping the card through a point-of-sale (POS) terminal. The Credit Union has the right to terminate your use of your VISA Debit Card for any reason, including, but not limited to inactivity for a period of 6 months. Please refer to the Member Liability section of this agreement for terms and conditions. At the present time, you may also use your Card card to: •  Make deposits to your share savings and checking share draft accounts. •  Withdraw funds from your share and share draft accounts.  Transfer funds from your share savings and checking share draft accounts. •  Obtain balance information for your share savings and checking share draft accounts. •  Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. •  Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa VISA Debit Card card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. •  You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge  There are daily withdrawal and purchase limits. You will be converted into notified of these limits by the US dollar amountcredit union before you receive your access card. Please see the Foreign Transactions section below. Also, transactions in certain countries  See “Transfer Limitations” that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card 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 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusSTAR, VISAPLUS, and CO-OP, and ACCEL 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 STAR and 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 card to: • - Make deposits to your share, share savings draft, and checking money market accounts. • - Withdraw funds from your share, share draft, and money market accounts. - Transfer funds from your share, share savings draft, and checking money market accounts. • - Obtain balance information for your share, share savings draft, and checking money market accounts. • - Make certain loan payments from your share, share savings draft, and checking money market accounts. • Access your Personal Line of Credit account. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 ten (10) Visa Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 2,500.00 per day. • - You may make 15 ten (10) cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 1,000.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If For ATM and one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs Automated Teller Machines (ATMs) of the Credit Union, PlusPLUS, VISAMAC, CO-OP, VISA and ACCEL ACCEL/Exchange networks, and such other machines or facilities as the Credit Union may designate. At the present current time, you may also use your Card card to: • Make deposits to your share savings and checking accounts. • Transfer Withdraw funds from your share savings Share and checking Share Draft accounts. • Transfer funds between your Share and Share draft accounts. Obtain balance information for your share savings Share and checking Share draft accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 There is a transactional limit on the number of Visa Debit Card purchases you make per day. • You may purchase up Purchase amounts are limited to the amount in your account. There is a maximum transactional limit of $3,500.00 per day. • You 8 for the number of cash withdrawals you may make 15 cash withdrawals in any one (1) day 24 hour period from an ATM machine. • You may withdraw up to a maximum of $500.00 500 in any one (1) day 24 hour period from an ATM machine, if there are sufficient funds in your account. • You There is a transactional limit of 12 for the number of POS transactions you may make 15 POS transactions in any one (1) day24 hour period. • You may purchase up to a maximum of $3,500.00 2,000 from POS terminals per day24 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. 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 or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs automated teller machines of the Credit Union, Plus, VISA, CO-OP, and ACCEL networksAllpoint Network, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accountsaccount. • Transfer Withdraw funds from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VisaVISA. • Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accountsVISA. The following limitations on the frequency and amount of Visa ATM & Debit Card transactions may apply: • You may make 15 There is no limit on the number of Visa Debit Card purchases you may make each day. • Purchase amounts are limited to the available balance in your account, up to $1500.00 per day. • You may purchase up There is no limited to a maximum the number of $3,500.00 per day. • You cash withdrawals you may make 15 cash withdrawals in any one (1) day from an ATM machine. • You However 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. • You may make 15 There is no limit to the number of POS transactions in any one (1) you per day. • You may purchase up to a maximum of $3,500.00 1500.00 from POS terminals per day, if there are sufficient funds in your account. • You There is a combined $1500.00 daily maximum. See Section 2 for transfer limitations that may transfer up apply to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Card card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your Credit Union checking account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft privilege in order for the transaction amount to be covered under the privilege. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the Fee Schedule. For other transaction types, 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 coverage 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 PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. You may use your card and PIN at FAST ATMs, STAR, VISA/PLUS and CO-OP ATMs, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN, in which case you initiate payment authorization by signing a receipt, providing the card number, or swiping the card through a point-of-sale (POS) terminal. The Credit Union has the right to terminate your use of your VISA Debit Card for any reason, including, but not limited to inactivity for a period of 6 months. Please refer to the Member Liability section of this agreement for terms and conditions. At the present time, you may also use your Card card to: • ❖ Make deposits to your share savings and checking share draft accounts. • ❖ Withdraw funds from your share and share draft accounts. ❖ Transfer funds from your share savings and checking share draft accounts. • ❖ Obtain balance information for your share savings and checking share draft accounts. • ❖ Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • ❖ Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa VISA Debit Card card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • ❖ You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge ❖ There are daily withdrawal and purchase limits. You will be converted into notified of these limits by the US dollar amountcredit union before you receive your access card. Please see the Foreign Transactions section below. Also, transactions in certain countries ❖ See “Transfer Limitations” that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. 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 or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs automated teller machines of the Credit Union, Plus, , VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to 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 certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • See Section 2 for transfer limitations that may apply to these transactions. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see The currency conversion rate used to determine the Foreign transaction amount in US dollars is either: 1) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date; or 2) the government-mandated rate in effect for the applicable central processing date. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfectedaffected. However, the right to deny such transactions is within our sole discretion and atfected affected countries may change at any time.

Visa Debit Card. You may use your Visa Debit Card and PIN to perform all of the functions listed above in the ATM Card Access section. Additionally, you may also: • Withdraw funds from your savings, checking and Line of Credit accounts. • Make deposits to your savings, checking and Line of Credit accounts. • Transfer funds between your savings, checking and Line of Credit accounts whenever you request. • Obtain balance information on your savings, checking and Line of Credit accounts. • Pay for purchases at places that have agreed to accept the Card. • Make POS (Point of Sale) transactions to purchase goods and or services from participating merchantsat POS terminals that have the Visa logo. If you wish to pay for • Pay bills or make other transactions on Non-Visa Networks (STAR, PRESTO) without a PIN* • Order goods or services over the Internetby mail, 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, statetelephone, or local lawvia the Internet from places that accept the Card. Funds to cover • Make cash withdrawals in foreign countries and in foreign currencies. • Pay bills directly by telephone from your Card savings and checking accounts in the amounts and on the days you request. • Take an advance from your Line of Credit account. Some services on ATM or Debit Cards may not be available at all terminals. The amount of purchases and/or cash obtained (if permitted) will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accounts. • Transfer funds Advances from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointline-of-Sale) credit account are loans that must be repaid by you, and are governed by your line-of-credit agreement. *Non-Visa PIN-less transactions with your Card will not be processed as Visa transactions and PIN (Personal Identification Number) therefore will not include Visa’s zero liability or chargeback and dispute resolution benefits. Additionally, provisions of this agreement relating only to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at Visa transactions are not applicable to non-proprietary ATMs; features may be limited to POS only, according to merchantVisa and PIN- less debit transactions. • Withdraw funds from your share savings and checking accountsLimitations. The following limitations on the frequency and will apply to your Card: • The maximum dollar amount of Visa Debit Card transactions may apply: • cash withdrawals per day is $515.00. Sufficient funds must be available to make any withdrawal. You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make only 15 cash withdrawals in one day • The maximum purchase price for any one (1) transaction at a POS Terminal is $5,000.00. You may make only 15 purchases in one day from an ATM machine• For security reasons, there are other limitations to frequency and number of transfers you may make at ATMs. • Your available account balance may be reduced for preauthorizations for 3 business days or until the transaction clears. • You may withdraw up are not allowed to a maximum of $500.00 in any one (1) day from make deposits at an ATM machine, if there are sufficient funds in your accountthat we do not operate or own. • You may make 15 POS transactions Additional limitations are set forth in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeTRANSFER LIMITATIONS provision contained herein.

Visa Debit Card. You may use your 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. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs automated teller machines of the Credit Union, Honors ®, Cirrus, Plus, VISA, CO-OP, and ACCEL VISA networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to your share savings and checking share draft accounts. • Withdraw funds from your share and share draft accounts. • Transfer funds from your share savings and checking share draft accounts. • Obtain balance information for your share savings and checking share draft accounts. • Make certain loan payments from your share savings and checking share draft accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 fifteen (15) Visa Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 5,000.00 per day. • You There is no limit to the number of cash withdrawals you may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Card to purchase goods and services from participating merchantsMerchants. 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 you Card purchases will be deducted from your checking share draft account. 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 or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs automated teller machines of the Credit Union, PlusATM, VISA, CO-OP, and ACCEL PLUS networks, and such other machines or facilities as the Credit Union union may designate. At the present time, you may also use your Card card to: • Make deposits to your share savings and checking share draft accounts. • Withdraw funds from your share and share draft accounts. • Transfer funds from your share savings and checking share draft accounts. • Obtain balance information for your share savings and checking share draft accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VisaVISA. • Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accountsVISA. The following limitations on the frequency and amount of Visa VISA Debit Card transactions may apply: • You may make 15 fifteen (15) VISA Debit Card purchases per day. • Purchase amounts are limited to the amount in your account. • You may purchase up to maximum of $1,200.00 per day. • You may make fifteen (15) cash withdrawals in any one day from an ATM machine. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 1,000.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your 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 (checking) account. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusSTAR, VISAPLUS, CO-OPAllianceOne, and ACCEL CU24 networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the VISA, PLUS, and CU24 networks. However, provisions of this Agreement relating to VISA transactions do not apply to transactions processed through non-VISA networks. To initiate a VISA Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a VISA network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your Card card to: • Make deposits to your share savings (savings) and checking share draft (checking) accounts. • Withdraw funds from your share (savings) and share draft (checking) accounts. • Transfer funds from your share savings (savings) and checking share draft (checking) accounts. • Obtain balance information for your share savings (savings) and checking share draft (checking) accounts. • Make certain loan payments from your share savings (savings) and checking share draft (checking) accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaVISA®. • Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accountsVISA®. The following limitations on the frequency and amount of Visa VISA® Debit Card transactions may apply: • You may make 15 There is no limit on the number of VISA® Debit Card purchases you make per day. • Purchase amounts are limited to the amount in your account. • You may purchase up to a maximum of $3,500.00 1,000.00 per day. • You There is no limit to the number of cash withdrawals you may make 15 cash withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 250.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You There is no limit on the number of POS transactions you may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any time.

Visa Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. 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 or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs automated teller machines of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to 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 certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see The currency conversion rate used to determine the Foreign transaction amount in US dollars is either: 1) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date; or 2) the government-mandated rate in effect for the applicable central processing date. The currency conversion rate in effect on the processing date may differ from the rate in effect on the transaction date or posting date. Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfectedaffected. However, the right to deny such transactions is within our sole discretion and atfected affected countries may change at any time.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusSTAR, VISAPLUS®, CO-OPNYCE, and ACCEL 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, STAR, PLUS, NYCE, 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 share savings and checking accounts. • Transfer - Withdraw funds from your share savings and checking accounts. • - Transfer funds from your savings and checking accounts. - Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • - Access your Personal Line of Credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day- Purchase amounts are limited to the amount in your account. • - You may purchase up to a maximum of $3,500.00 2,000.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw (ATM and POS (PIN based)) up to a maximum of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day- For security purposes, if there are sufficient funds in your accountother 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount- See Section 2 for transfer limitations that may apply to these transactions. Please see the Foreign Transactions section below. Also, - A combined maximum of 25 ATM withdrawals and POS transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeper calendar day.

Visa Debit Card. You If approved, you may use your 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. 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 or loan accounts that you have established with the Credit Unioncredit 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 Unioncredit union. In the event of repeated overdrafts, the Credit Union credit union may terminate all services under this Agreementagreement. You may use your Card card and PIN personal identification number (Personal Identification NumberPIN) in automated teller machines (ATMs of the Credit Unioncredit union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union credit union may designate. At the present time, you may also use your Card card to: • ● Make deposits to your share savings and checking draft accounts. • Transfer ● Withdraw funds from your share savings and checking draft accounts. • ● Obtain balance information for your share savings and checking draft accounts. • ● Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • ● There are daily withdrawal and purchase limits. You may make 15 Debit Card purchases per daywill be notified of these limits by the credit union before you receive your access card. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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● For security purposes, if there are sufficient funds in your accountother limits on the frequency and amount of transfers available at ATMs. • You See Section 2 for transfer limitations that may make 15 POS transactions in any one (1) day. • You may purchase up apply to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Visa Debit Card and/or PIN to: • Withdraw funds from your share and share draft accounts. • Make deposits to your share and share draft accounts. • Transfer funds between your share and share draft accounts whenever you request. • Make loan payments from your share or share draft accounts. • Obtain balance information on your share and share draft accounts. • Take an advance from your line-of-credit account. • Pay for purchases at places that have agreed to accept the Card. • Make POS (Point of Sale) transactions to purchase goods and or services at POS terminals that have the Visa logo. • Pay bills or make other transactions on Non-Visa Networks (STAR, ACCEL) without a PIN* • Order goods or services by mail, telephone, or via the Internet from participating merchantsplaces that accept the Card. 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 card purchases will be deducted from your checking share draft account. If For ATM and one- time debit card transactions, you must consent to allowing card access to the Credit Union’s overdraft Extended Coverage 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 Extended Coverage 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 using standard overdraft services, from other deposit accounts, approved standard overdraft protection accounts services, 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusNYCE, VISA, CO-OPACCEL/Exchange, and ACCEL CU24 networks, and such other machines or facilities as the Credit Union may designate. At the present timeIn addition, you may also use your Card to: • Make deposits Visa debit card without a PIN for certain transactions on the Visa, NYCE, ACCEL/Exchange, and CU24 networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your share savings liability and checking accountsstreamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. • Transfer funds 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. Some services may not be available at all terminals. The amount of purchases and/or cash obtained (if permitted) will be deducted from your share savings and checking accountsdraft account. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments Advances from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointline-of-Sale) transactions with credit account are loans that must be repaid by you, and are governed by your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at nonline-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeof-credit agreement.

Visa Debit Card. You may use your Card card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusSTAR, VISACirrus, CO-OPCU24, and ACCEL Pulse networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa and STAR networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your Card card to: • - Make deposits to your share savings and checking accounts. • Transfer - Withdraw funds from your share savings and checking accounts. • - Transfer funds from your savings and checking accounts. - Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • - You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur - You may have a charge combined POS and purchase maximum of $3500.00 in any one (1) day, if there are available funds in your account. - See Section 2 for transfer limitations that may apply to these transactions. Because of servicing schedule and processing time required in ATM operations, there may be a currency other than U.S. dollars, delay between the charge time a deposit (either cash or check) is made and when it will be converted into available for withdrawal. You should review the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure Credit Union’s Funds Availability Policy to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change availability of funds deposited at any timeATM’s.

Visa Debit Card. You If approved, you may use your Card card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS, CO-OP or Shazam networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa® networks. To initiate a Visa® Debit transaction, you may sign a receipt, provide a card number, or swipe your card through a POS terminal. Please refer to the Member Liability section below for terms and conditions. If approved, you may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of 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, state or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to your share savings and checking accounts. • Withdraw funds from your savings and checking accounts. • Transfer funds to/from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and card with or without your PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa®. • Order goods or services by mail, Internet telephone or telephone online from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts®. The following limitations on the frequency and amount of Visa Visa® Debit Card transactions may apply: • You There is no limit on the number of cash withdrawals you may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You day, but in aggregate you may withdraw up to a maximum of $500.00 410 in any one (1) day from an ATM machineday, if there are sufficient funds in your account. • You may There is a fifteen (15) transaction limit on the number of Visa® Debit Card POS purchases you make 15 POS transactions per day, but in any one (1) day. • You aggregate you may purchase up to a maximum of $3,500.00 2,500 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur See Account Transaction Limitations Section for transfer limitations that may apply to these transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a charge delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. Visa Account Updater (VAU): VAU is an account updating service in a currency other than U.S. dollarswhich your card is automatically enrolled. When your card(s) expire, are lost or stolen and new cards are issued, the charge will be converted into the US dollar amountservice may update relevant card data (Card numbers and expiration dates) to appropriate merchants who participate in an effort to facilitate uninterrupted processing of your recurring charges. Please see the Foreign Transactions section belowThe service provides updates to a Visa® database only. Also, transactions in certain countries may be blocked and will require The database is accessed by those qualified merchants seeking your account information after you have requested they process a manual recurring payment or verbal authorization for approvalpayments. Please check with us prior This service is provided as a free benefit to departure to determine if your destination country is atfectedyou. However, the right to deny such transactions is within our sole discretion and atfected countries may change If at any timetime you wish to opt-out of the VAU service, opt back-in, or if you have any questions, please call 000-000-0000.

Visa Debit Card. You If approved, you may use your Card card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card 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. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusCredit Union 24, VISAMoney Pass, CO-OPPLUS, and ACCEL Interlink networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to - Withdraw funds from your share, share savings draft, :Money Market, and checking Club accounts. • - Transfer funds from your share savings draft, Money Market, and checking Club accounts. • - Obtain balance information for your share savings draft, Money Market, and checking Club accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 - There is no limit on the number of Visa Debit Card purchases you make per day. • - You may purchase up to a maximum of $3,500.00 5,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 5,000.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Visa Debit Card and/or PIN to: • Withdraw funds from your share and share draft accounts. • Make deposits to your share and share draft accounts. • Transfer funds between your share and share draft accounts whenever you request. • Make loan payments from your share or share draft accounts. • Obtain balance information on your share and share draft accounts. • Take an advance from your line-of-credit account. • Pay for purchases at places that have agreed to accept the Card. • Make POS (Point of Sale) transactions to purchase goods and or services at POS terminals that have the Visa logo. • Pay bills or make other transactions on Non-Visa Networks (STAR, ACCEL) without a PIN* • Order goods or services by mail, telephone, or via the Internet from participating merchantsplaces that accept the Card. 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 card purchases will be deducted from your checking share draft account. If For ATM and one- time debit card transactions, you must consent to allowing card access 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusNYCE, VISA, CO-OPACCEL/Exchange, and ACCEL CU24 networks, and such other machines or facilities as the Credit Union may designate. At the present timeIn addition, you may also use your Card to: • Make deposits Visa debit card without a PIN for certain transactions on the Visa, NYCE, ACCEL/Exchange, and CU24 networks. However, provisions of this Agreement relating only to Visa debit transactions, such as additional limits on your share savings liability and checking accountsstreamlined error resolution procedures, do not apply to transactions processed through non-Visa networks. • Transfer funds 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. Some services may not be available at all terminals. The amount of purchases and/or cash obtained (if permitted) will be deducted from your share savings and checking accountsdraft account. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments Advances from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointline-of-Sale) transactions with credit account are loans that must be repaid by you, and are governed by your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at nonline-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeof-credit agreement.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusCirrus®, VISA, COCo-OPOp, and ACCEL 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, Cirrus®, Co-Op, and 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 card to: • - Make deposits to your share savings and checking accounts. • Transfer - Withdraw funds from your share savings and checking accounts. • - Transfer funds from your savings and checking accounts. - Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • - Access your Personal Overdraft Line of Credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 12 Visa Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 2,000.00 per day. • - You may make 15 nine (9) cash withdrawals 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. • - You may make 15 12 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 2,000.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction or at any rental car merchant. 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusPulse, VISAPLUS®, CO-OP, and ACCEL networksInterlink, 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, PLUS® or 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, Revised 03.29.2023 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 - Withdraw funds from your share savings and checking share draft accounts. • - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 13 Visa Debit Card purchases per day. • You may purchase up - Purchase amounts are limited to a maximum of $3,500.00 per daythe amount in your account. • - You may make 15 13 cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 1,005.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • - You may make 15 13 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 1,005..00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card 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 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. If 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 Member’s Service and Fee 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, Union and such other machines or facilities as the Credit Union may designate. Visit the Credit Union website for a complete list of current networks. In addition, you may use your Visa Debit Card without a PIN for certain transactions on the Visa network. 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 share savings and checking share draft accounts. • - Withdraw funds from your share and share draft accounts. - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • Make certain loan payments from - Access your share savings and checking RLOC (Revolving Line of Credit) accounts. • Access your Personal Line of Credit account. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services online or by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 20 transactions daily (24-hour period begins 12:00 A.M. CT) to include: - Signature based Visa Debit Card purchases per daylimited to the amount in your account. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 in any one (1) day 810.00 from an ATM machine, if there are sufficient funds in your account. • - You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day810.00. - For security purposes, if there are sufficient funds in your accountother 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking account. 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 or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs automated teller machines of the Credit Union, Plus, , VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to 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 certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • See Section 2 for transfer limitations that may apply to these transactions. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see The currency conversion rate used to determine the Foreign transaction amount in US dollars is either: 1) a rate selected by Visa from the range of rates available in wholesale currency markets for the applicable central processing date; or 2) the government-mandated rate in etfect for the applicable central processing date. The currency conversion rate in etfect on the processing date may ditfer from the rate in etfect on the transaction date or posting date. Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any time.

Visa Debit Card. You If approved, you may use your Card 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 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL Union 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 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 share, share savings draft, and checking money market accounts. • Transfer - Withdraw funds from your share, share savings draft, and checking money market accounts. • - Obtain balance information for your share, share savings draft, and checking money market accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - See Section 2 for transfer limitations that may apply to these transactions. - Limits may vary. You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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 will receive your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us limits prior to departure to determine if receiving your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timedebit card.

Visa Debit Card. You If approved, you may use your Card 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 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusPULSE, VISAPLUS®, CO-OPAllPoint, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa and 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 card to: • Make deposits to - 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 certain loan payments from your share savings and checking accounts. • - Access your Personal Line of Credit account(LOC) accounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services online or by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 20 Visa Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 5,000.00 per day. • - You may make 15 five (5) cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 550.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • - You may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 5,000.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card 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 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusPulse, VISAPLUS, CO-OPAllPoint, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa and 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 card to: • Make deposits to - 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 certain loan payments from your share savings and checking accounts. • - Access your Personal Line of Credit account(LOC) accounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 20 Visa Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 5,000.00 per day. • - You may make 15 five (5) cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 550.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • - You may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 5,000.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking share draft account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, STAR and ACCEL 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, STAR and 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 card to: • - Make deposits to your share savings and checking share draft accounts. • - Withdraw funds from your share and share draft accounts. - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking share draft accounts. • Access your Personal Line of Credit account. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services online or by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 Visa Debit Card purchases per day24 hour period. • You may purchase up - Purchase amounts are limited to a maximum of $3,500.00 per daythe amount in your account. • - You may make 15 ten (10) cash withdrawals in any one (1) day 24 hour period from an ATM machine. • - You may withdraw up to a maximum of $500.00 406.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 1,500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusSTAR, VISACo-Op, CO-OP, Cirrus and ACCEL Allpoint networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa, STAR, Co-Op and Cirrus networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your Card card to: • - Make deposits to your share savings and checking accounts. • Transfer - Withdraw funds from your share savings and checking accounts. • - Transfer funds from your savings and checking accounts. - Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 - There is no limit on the number of Visa Debit Card purchases you make per day. • - You may purchase up to a maximum of $3,500.00 2,500.00 per day. • - You may make 15 99 cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 619.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You - There is no limit on the number of POS transactions you may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusPulse, VISA, CO-OPStar, and ACCEL 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, Pulse, Star, and 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, 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 share checking accounts. - Withdraw funds from your savings and checking accounts. • - Transfer funds from your share savings and checking accounts. • - Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 99 Visa Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 99,999.00 per day. • - You may make 15 99 cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 2,510.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • - You may make 15 99 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 99,999.99 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card 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 Visa® 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. If For other types of transactions, if the available balance in your account is not sufficient insufficient 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 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 Visa® card PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL Union 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 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 Visa® card to: • Make deposits to your share savings and checking accounts. • Withdraw available funds from your savings and checking accounts. • Transfer available funds from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card Visa® card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services online or by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 25 Visa Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 10,000.00 per day, if there are sufficient available funds in your account. • You may make 15 5 cash withdrawals 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 available funds in your account. • You may make 15 25 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 10,000.00 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any time.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OPPulse, and ACCEL 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, Pulse, and 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, 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 share checking accounts. - Withdraw funds from your savings and checking accounts. • - Transfer funds from your share savings and checking accounts. • - Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services online via the internet, or by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 99 Visa Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 99,999.00 per day. • - You may make 15 99 cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 2,510.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • - You may make 15 99 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 99,999.99 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card 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. If For one- time debit card transactions, you must consent to the Credit Union’s overdraft protection plan (Courtesy Pay Plus) 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusSUM, VISA, CO-OPNYCE, and ACCEL PLUS networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa SUM, NYCE, and PLUS networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms andconditions. At the present time, you may also use your Card card to: • - Make deposits to your share savings savings, checking, and checking money market accounts. • Transfer - Withdraw funds from your share savings savings, checking, money market, and checking Overdraft Line of Credit accounts. • - Transfer funds between your savings, checking, money market, and Overdraft Line of Credit accounts. - Obtain balance information for your share savings savings, checking, loan, and checking money market accounts. • - Make certain loan payments from your share savings savings, checking, and checking money market accounts. • - Access your Personal Overdraft Line of Credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 - There is no limit on the number of Visa Debit Card purchases per dayyou make perday. • - You may purchase up to a maximum of $3,500.00 1,500.00 per day. • You may make 15 cash withdrawals 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. • - You may make 15 POS transactions purchase or withdraw up to a maximum of $2,000.00 in any one (1) day. • You may purchase up to a maximum of $3,500.00 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 savings, checking, money market, or Overdraft Line of Credit accounts at the time of the transferthetransfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - Cards not used for 12 consecutive months may be blocked and will require a manual or verbal authorization closed forinactivity. - See Section 2 for approval. Please check with us prior transfer limitations that may apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card 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 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusAccel/Exchange, VISAAllpoint, CO-OPCirrus®, PLUS®, and ACCEL 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 Accel/Exchange, Allpoint, Cirrus®, PLUS®, 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 card to: • Make deposits to your share savings and checking accounts. • Transfer - Withdraw funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services online or by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 ten (10) Visa Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • - You may make 15 five (5) cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 750.00 from POS terminals per day, if there are sufficient funds in your account. • You - See Section 2 for transfer limitations that may transfer up apply to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card 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 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusAllPoint, VISASTAR, COCo-OPOp, Pulse, and ACCEL 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 STAR 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 card to: • - Make deposits to your share savings and checking accounts. • - Withdraw funds from your savings, checking, and Line of Credit accounts. - Transfer funds from your share savings and checking Line of Credit accounts. • - Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • - Access your Personal Line of Credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 - There is no limit on the number of Visa Debit Card purchases you make per day. • - You may purchase up to a maximum of $3,500.00 3,000.00 per day. • You - There is no limit to the number of cash withdrawals you may make 15 cash withdrawals 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. • You - There is no limit on the number of POS transactions you may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card 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 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusPLUS®, VISAPulse, CO-OPSTAR, and ACCEL 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 PLUS®, Pulse, STAR, and 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 card to: • Make deposits to - Withdraw funds from your share savings and checking share draft accounts. • - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 2,500.00 per day. • - You may make 15 five (5) cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, STAR, Cirrus® and ACCEL 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, CO-OP, STAR, Cirrus and 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 card to: • - Make deposits to your share savings savings, checking, and checking loan accounts. • - Withdraw funds from your savings, checking, and loan accounts. - Transfer funds from your share savings savings, checking, and checking loan accounts. • - Obtain balance information for your share savings savings, checking, and checking loan accounts. • - Make certain loan payments from your share savings savings, checking, and checking loan accounts. • - Access your Personal Line of Credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 - There is no limit on the number of Visa Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $3,500.00 2,500.00 per day. • You - There is no limit to the number of cash withdrawals you may make 15 cash withdrawals 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. • You - There is no limit on the number of POS transactions you may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your 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 Savings and Checking account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of 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 Rate Addendum, Truth in Savings Disclosures and 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, 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL PLUS networks, accel, Allpoint and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • ❖ Make deposits to your share savings and checking accounts. • Transfer ❖ Withdraw available funds from your share savings and checking accounts. • Obtain balance information for ❖ Transfer available funds from your share savings and checking accounts. • Make certain loan payments from ❖ Obtain available balance information for your share savings and checking accounts. • Access your Personal Line of Credit account. • ❖ Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • ❖ Order goods or services online, by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa VISA Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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, which also includes any point-of-sale (POS) transactions (PIN based), if there are sufficient available funds in your account. • ❖ You may make 15 fifteen (15) POS transactions Transactions in any one (1) day. • ❖ You may purchase up to a maximum of $3,500.00 2,500.00 from POS terminals per day, if there are sufficient available funds in your account. • ❖ You may transfer up to the available balance in your accounts at the time of the transfer. • ❖ See “transfer limitations” that may apply to these transactions. MOM (Audio Response). If you incur we approve MOM (Audio Response) for your accounts, a charge in a currency other than U.S. dollars, the charge separate access code will be converted into assigned to you. You must use your access code along with your account number to access your accounts. At the US dollar amountpresent time, you may use Audio Response to: ❖ Withdraw available funds from your share draft and savings account. Please see the Foreign Transactions section below❖ Transfer available funds from your share draft and savings account. Also❖ Obtain balance information for your share draft, transactions savings, share certificate, loan and club accounts. ❖ Make loan payments from available funds in certain countries your share draft and savings accounts. ❖ Determine if a particular item has cleared. Your accounts can be accessed under MOM (Audio Response) via a touch-tone telephone only. Audio Response service will be available for your convenience 24 hours per day. This service may be blocked and will require interrupted for a manual short time each day for data processing. The following limitations on Audio Response transactions may apply: ❖ There is no limit to the number of inquiries, transfers, or verbal authorization for approvalwithdrawal requests you may make in any one (1) day. Please check with us prior ❖ See “transfer limitations” that may apply to departure to determine if your destination country is atfectedthese transactions. However, The Credit Union reserves the right to deny such refuse any transaction which would draw upon unavailable or 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 Logon ID and security code will be selected by you. You must use your security code along with your Logon ID to access your accounts. At the present time, you may use Online Banking to: ❖ Withdraw funds from your savings and checking accounts. ❖ Transfer funds from your savings, checking, and club accounts. ❖ Obtain balance information for your savings, checking, club, loan(s) and certificate accounts. ❖ Make loan payments from your savings, and checking 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. Your accounts can be accessed under Online Banking via personal computer. Online Banking will be available for your convenience 24 hours a 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. The following limitations on Online Banking transactions may apply: ❖ There is within our sole discretion and atfected countries no limit to the number of inquiries, transfers, or withdrawal requests you may change at make in any timeone (1) day.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gam- bling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deduct- ed from your checking account. If you do not have a checking account, funds to cover your card purchases will be deducted from your checking savings account. If For ATM and one-time debit card transac- tions, 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 over- draft 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 accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Accountac- count, 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 ser- vices under this Agreement. You may use your Card card and PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusSTAR, VISACo-Op, CO-OPCirrus®, and ACCEL Pulse, 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 STAR, Co-Op, Cirrus®, Pulse, 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 card to: • - Make deposits to your share savings and checking accounts. • Transfer - Withdraw funds from your share savings and checking accounts. • - Transfer funds from your savings and checking accounts. - Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services orservices at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings - Order goods and checking accountsservices via the internet. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 Visa Debit Card purchases Signature point-of-sale transactions per day. • - You may purchase up to a maximum of $3,500.00 2,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day- For security purposes, if there are sufficient funds in your accountother 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card purchases will be deducted from your checking share draft account. 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 or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs automated teller machines of the Credit Union, PlusSTAR, VISA, CO-OP, and ACCEL networks, Cirrus networks and such other networks, machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to Withdraw funds from your share savings and checking share draft accounts. • Transfer funds from your share savings and checking share draft accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking draft accounts. • Access your Personal CU Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept VisaVISA. • Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accountsVISA. The following limitations on the frequency and amount of Visa VISA Debit Card transactions may apply: • You may make 15 fifteen (15) VISA Debit Card purchases per day. • Purchase amounts are limited to the amount in your account. • You may purchase up to a maximum of $3,500.00 1500.00 per day. • You may make 15 fifteen (15) cash withdrawals in any one (1) day from an ATM machine. • You may withdraw up to a maximum of $500.00 310.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 fifteen (15) POS transactions Transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 510.00 from POS terminals per day, if there are sufficient funds in your account. • Maximum daily ATM withdrawal and POS transactions of $510.00 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card 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 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL 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 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 card to: • Make deposits to - Withdraw funds from your share savings and checking share draft accounts. • - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 - There is no limit on the number of Visa Debit Card purchases you make per day. • You may purchase up - Purchase amounts are limited to a maximum the amount in your account. - There is no limit to the number of $3,500.00 per day. • You cash withdrawals you may make 15 cash withdrawals 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. • You - There is no limit on the number of POS transactions you may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If eligible for a debit card, you may use your Card card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, state or local law. Funds to cover your Card card purchases will be deducted from your checking account. 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 For more information on our payment of any overdrafts together with any service charges debit card transactions (including both PIN based and Signature Based) and the impact on your available balance, please refer to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Membership and Account Agreement. You may use your Card card and PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa and NYCE networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. If you are eligible and you have opted into Courtesy Pay Select, we may pay ATM and debit card transactions that exceed the available balance in your checking account and charge you a fee as listed on the Rate and Fee Schedule. For more information on Courtesy Pay and Courtesy Pay Select, as well as the Credit Union’s definition of available balance, refer to the Membership and Account Agreement. At the present time, you may also use your Card card to: •  Make deposits to your share savings and checking accounts at Summit-owned ATMs only.  Withdraw funds from your savings and checking accounts. •  Transfer funds from your share savings and checking accounts. •  Obtain balance information for your share savings and checking accounts. •  Make certain loan payments from your share savings and checking accountspurchases at any retail establishment that displays the Visa symbol. • Access your Personal Line of Credit account. •  Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaPOS terminals. •  Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You  We may make 15 limit the number of Visa Debit Card purchases you make per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash  Visa Debit Card purchases and ATM withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up limited to the available balance in your accounts at the time checking account, line of the transfercredit (if you have a line of credit) and primary savings account. • If you incur The maximum limit for ATM withdrawals is $500.00 per day. Debit Card purchases are also subject to a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amountmaximum limit per day. Please see the Foreign Transactions section below. Also, transactions in certain countries  See Section 2 of this Agreement for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of online 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusPLUS, VISANYCE, CO-OPACCEL, Sharenet, and ACCEL Co-Op (Shared Branch) 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, PLUS, NYCE, ACCEL, Sharenet, and Co-Op (Shared Branch) 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 share savings and checking share draft accounts. • - Withdraw funds from your share and share draft accounts. - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services online or by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 25 Visa Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • - You may make 15 25 POS transactions in any one (1) day. • - There are daily withdrawal and purchase limits. You may purchase up to a maximum will be notified of $3,500.00 from POS terminals per daythese limits by the Credit Union before you receive your access card within the User Guide for your account type. - For security purposes, if there are sufficient funds in your accountother 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. If approved, you may use your card and PIN in ATMs of the credit union and designated networks. You may use your Card card without a PIN for certain transactions on the designated networks. You may use your card to purchase goods and services from participating merchants. 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. Provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa Network. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa Network. Refer to the Member Liability section of this Agreement for terms and conditions. Funds to cover your Card card purchases will be deducted from your checking account. If card is not used in twelve consecutive months, on the thirteenth month an applicable fee will occur.* If the card is not used in eighteen consecutive months, the card will be closed. For one-time debit transactions, you must consent to the Credit Union’s overdraft privilege program with extended coverage. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these transactions. 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 accounts, or loan accounts that you have established with the Credit Unionestablished. 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. Union 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 PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to your share savings and checking accounts. accounts at credit union or participating network ATMs.* • Withdraw funds from your savings and checking accounts at credit union or participating network ATMs.* • Transfer funds from your share savings and checking accounts. • Obtain balance information for from your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. .* • Make POS (Point-of-Sale) transactions with your Card card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Make POS Direct Debit Xxxx Payments using your card at participating network vendors. • Make POS account to account money transactions at participating network ATMs. • Order goods or services by mail, Internet mail or telephone from places merchants that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 twenty-five (25) Visa Debit Card purchases (non-PIN transactions**) per day. day • You may purchase up to a maximum of $3,500.00 5,000 (non-PIN transactions**) per day. • You There is no limit to the number of cash withdrawals you may make 15 cash withdrawals 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. • You There is no limit on the number of POS transactions you may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 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. • If you incur There may be a charge in a currency other than U.S. dollars, delay between the charge time an ATM deposit (either cash or check) is made and when it will be converted into the US dollar amountavailable for withdrawal. Please see the Foreign Transactions section below. Also, There may also be a delay for any other deposits and/or transactions in certain countries may be blocked due to system servicing and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeprocessing.

Visa Debit Card. You If approved, you may use your Card 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 card for any transaction that is illegal under applicable federalfede ral, state, or local law. Funds to cover your Card card purchases will be deducted from your checking share draft account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusNYCU, VISACirrus®, CO-OPPLUS, Pulse, and ACCEL ACCEL/Exchange networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • - Make deposits to your share, share savings draft, and checking accountsmoney market accounts at certain locations. • - Withdraw funds from your share, share draft, and money market accounts at certain locations. - Transfer funds from your share, share savings draft, and checking accountsmoney market accounts at certain locations. • - Obtain balance information for your share, share savings draft, and checking accountsmoney market accounts at certain locations. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • There is no requirement to have funds available in your checking account to make personal identification number (PIN) transaction. If the balance in your account is not sufficient to pay the personal identification number (PIN) transaction, we will pay the amount and treat the transaction as a request to transfer funds from approved overdraft protection account, if applicable. However, when a signature transaction is made, the funds must be in your checking account or the transaction will be denied. - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 40 Visa Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • - You may make 15 10 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur - See Section 2 for transfer limitations that may apply to these transactions. - You may withdraw up to a charge maximum combined daily balance of $9,000 ($250, if system is offline), provided that personal identification number (PIN) transactions daily limit is $2,000.00, signature transactions daily limit is $3,000.00 (including Cash Advance $1,000.00), if there are sufficient funds in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeaccount.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusSTAR, VISACirrus, CO-OPAlliance One, and ACCEL Co-Op networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • - Make deposits to your share savings savings, checking, and checking money market accounts. • - Withdraw funds from your savings, checking, and money market accounts. - Transfer funds from your share savings savings, checking, and checking money market accounts. • - Obtain balance information for your share savings savings, checking, and checking money market accounts. • - Make certain loan payments from your share savings savings, checking, and checking money market accounts. • - Access your Personal Overdraft Line of Credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit - 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 $3,500.00 2,500.00 per day. • You - There is no limit to the number of cash withdrawals you may make 15 cash withdrawals in any one (1) day from an ATM machineATM. • - You may withdraw up to a maximum of $500.00 in any one (1) day from an ATM machineATM, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card 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 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 deposit account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusCirrus®, VISASTAR, CO-OP, Allpoint, and ACCEL Alliance One networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • - Make deposits to your share, share savings draft, and checking money market accounts. • - Withdraw funds from your share, share draft, money market, and LifeLine of Credit accounts. - Transfer funds from your share, share savings draft, money market, and checking LifeLine of Credit accounts. • - Obtain balance information for your share, share savings draft, money market, and checking LifeLine of Credit accounts. • - Make certain loan payments from your share, share savings draft, and checking money market accounts. • - Access your Personal Line LifeLine of Credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services online or by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 - There is no limit on the number of Visa Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $3,500.00 5,000.00 per day. • You - There is no limit to the number of cash withdrawals you may make 15 cash withdrawals 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. • You - There is no limit on the number of POS transactions you may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 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. - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, - See Section 2 for transfer limitations that may apply to these transactions. - Point-of-sale (POS) and Visa transactions are considered purchases and are calculated together towards the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timepurchase limit of $5,000.00.

Visa Debit Card. You If approved, you may use your Card 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 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusPLUS, VISAPulse, CO-OPSTAR, and ACCEL 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, PLUS, Pulse, STAR, and 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 card to: • Make deposits to - Withdraw funds from your share savings and checking share draft accounts. • - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services online or by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 2,500.00 per day. • - You may make 15 five (5) cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • - Make deposits to your share checking accounts. - Withdraw funds from your savings and checking accounts. • - Transfer funds from your share savings and checking accounts. • - Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • - Access your Personal Line of Credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept VisaVISA. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accountsVISA. The following limitations on the frequency and amount of Visa VISA Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 505 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) dayThe offline maximum is$205. • - You may purchase up to a maximum of $3,500.00 500 from POS terminals per day, if there are sufficient funds in your account. • The offline maximum is $200. - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card 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 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, Cirrus® and ACCEL 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, Cirrus and 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 card to: • - Make deposits to your share savings and checking share draft accounts. • - Withdraw funds from your share and share draft accounts. - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking share draft accounts. • Access your Personal Line of Credit account. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services online or by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. (Maximum of $500.00 per day) The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 - There is no limit on the number of Visa Debit Card purchases you make per day. • You may purchase up - Purchase amounts are limited to a maximum the amount in your account. - There is no limit to the number of $3,500.00 per day. • You cash withdrawals you may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of gambling transaction or at any rental car merchant. 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. If 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 autho rize 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusPulse, VISAPLUS®, CO-OP, and ACCEL networksInterlink, 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, PLUS® or 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, Revised 04.12.2023 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 - Withdraw funds from your share savings and checking share draft accounts. • - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 13 Visa Debit Card purchases per day. • You may purchase up - Purchase amounts are limited to a maximum of $3,500.00 per daythe amount in your account. • - You may make 15 13 cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 5,005.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • - You may make 15 13 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 2,500.00 from POS terminals per dayday with a pin and $5,000.00 per day without a pin, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card 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 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusInterlink, VISA, CO-OPPLUS, and ACCEL CU24 networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • - Make deposits to your share savings and checking share draft accounts. • - Withdraw funds from your share and share draft accounts. - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 24 Visa Debit Card purchases per day. • - You may purchase up to a maximum total aggregate amount of $3,500.00 4,505.00 per day. • Restricted Card Limit total aggregate balance of $410.00 per day. Teen Card limit total aggregate amount of $705.00 per day. - You may make 15 10 cash withdrawals 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. • Restricted Card Limit up to a maximum of $410.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. Teen Card limit up to a maximum of $205.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - You may make 15 24 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 4,000.00 from POS terminals per day, if there are sufficient funds in your account. • Restricted Card Limit up to a maximum of $410.00 in any one (1) day from POS terminals per day, if there are sufficient funds in your account. Teen Card limit up to a maximum of $500.00 in any one (1) day from POS terminals per day, if there are sufficient funds in your account. - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusCirrus, VISA, CO-OP, and ACCEL ACCEL/Exchange networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa ACCEL/Exchange networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your Card card to: • Make deposits to - 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 certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 20 Visa Debit Card purchases per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $3,500.00 1,500 per day. • - You may make 15 20 cash withdrawals 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. • - You may make 15 20 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 1,500 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. • If you incur - The approximate amount of time needed to make a charge in cash withdrawal transaction at an ATM and have the transaction posted to your account is one (1) business days. - The approximate amount of time needed to make a currency other than U.S. dollars, transfer transaction at an ATM and have the charge will be converted into transaction posted to your account is one (1) business days. - The approximate amount of time needed to make a purchase with your debit card at a merchant terminal and have the US dollar amounttransaction posted to your account is one (1) business days. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusCo-Op, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your Visa card without a PIN for certain transactions on the Visa and 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 card to: • Make deposits to - 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 certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Make point-of-sale (POS) transactions with your card and personal identification number (PIN) to purchase goods or services at POS terminals that carry Co-Op network logo(s). - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 - There is no limit on the number of Visa Debit Card purchases you make per day. • - You may purchase up to a maximum of $3,500.00 1,000.00 per debit card purchase. - You may purchase up to a maximum of $5,000.00 per day. • You may make 15 cash withdrawals 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. • You - There is no limit on the number of POS transactions you may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day- For security purposes, if there are sufficient funds in your accountother 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking share draft account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL Pulse networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to - Withdraw funds from your share savings and checking share draft accounts. • - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 1,000.00 per day. • You - There is no limit to the number of cash withdrawals you may make 15 cash withdrawals 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. • You - There is no limit on the number of POS transactions you may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking share draft account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusCirrus®, VISANYCE, CO-OPPLUS, Pulse, and ACCEL Co-Op networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • - Make deposits to your share savings and checking share draft accounts. • - Withdraw funds from your share and share draft accounts. - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 nine (9) Visa Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 2,500.00 per day. • - You may make 15 nine (9) cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 310.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • - You may make 15 nine (9) POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 2,500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking share draft account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, Shazam and ACCEL 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, Shazam 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 share savings and checking share draft accounts. • - Withdraw funds from your share and share draft accounts. - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services online or by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 - There is no limit on the number of Visa Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $3,500.00 500.00 per day. • You may make 15 contact the credit union to increase limitation 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 - There is no limit on the number of $500.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You POS transactions you may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day- For security purposes, if there are sufficient funds in your accountother 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. • If you incur - See Section 2 for transfer limitations that may apply to these transactions. - For ATM withdrawals and POS transactions, there is a charge combined maximum of $400.00 in a currency other than U.S. dollarsany one (1) day, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions if there are sufficient funds in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeaccount.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card 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 account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusVisa, VISAPulse, CO-OPPLUS, and ACCEL 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 and Pulse under $50.00 networks 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 share savings and checking accounts. • Transfer - Withdraw funds from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 ten (10) Visa Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 2,500.00 per day. • - You may make 15 two (2) cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 1,005.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may - Offline purchase up amount limited to a maximum $500.00 and offline ATM withdrawal of $3,500.00 from POS terminals per day, if there are sufficient funds in your account50.00. • You - See Section 2 for transfer limitations that may transfer up apply to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, STAR, Plus, American Express, Cirrus®, and ACCEL Maestro® networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • - Make deposits to your share savings and checking accounts. • Transfer - Withdraw funds from your share savings and checking accounts. • - Transfer funds from your savings and checking accounts. - Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 Debit Card purchases per day. • You may purchase withdrawal up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day 400.00 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. • - You may make 15 a combined total of 50 withdrawals from an ATM, POS transactions and debit card purchases in any one (1) day. • - You may purchase up to a maximum of $3,500.00 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card 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. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusPulse, VISA, COCirrus and Co-OP, and ACCEL Op networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa, Pulse, Cirrus, and Co-Op networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your Card card to: • Make deposits to - Withdraw funds from your share savings and checking share draft accounts. • - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 - There is no limit on the number of Visa Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $3,500.00 2,000.00 per day. • You - There is no limit to the number of cash withdrawals you may make 15 cash withdrawals 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. • You - There is no limit on the number of POS transactions you may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your 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 Savings and Checking account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of 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 Rate Addendum and 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, 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL Allpoint networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • ❖ Make deposits to your share savings and checking share draft accounts. • ❖ Withdrawal funds from your share and share draft accounts. ❖ Transfer funds from your share savings and checking share draft accounts. • ❖ Obtain balance information for your share savings and checking share draft accounts. • ❖ Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • ❖ Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa VISA Debit Card transactions may apply: • You may make 15 Debit Card purchases per day❖ Purchase amounts are limited to the amount in your account. • ❖ You may purchase up to a maximum amount of $3,500.00 1,500.00 per day. • ❖ You may make 15 ten (10) cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • ❖ You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries ❖ See “transfer limitations” that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, STAR, and ACCEL 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, CO-OP, STAR, and 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 card to: • - Make deposits to your share savings and checking accounts. • Transfer - Withdraw funds from your share savings and checking accounts. • - Transfer funds from your savings and checking accounts. - Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 - There is no limit on the number of Visa Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $3,500.00 3,000.00 per day. • You may make 15 cash withdrawals 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. • You - There is no limit on the number of POS transactions you may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 3,000.00 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking share draft account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, Shazam and ACCEL Cirrus networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa and Shazam networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point of sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your Card card to: • - Make deposits to your share savings and checking share drafts accounts. • - Withdraw funds from your share and share draft accounts. - Transfer funds from your share savings and checking share draft accounts. • - Obtain balance information for your share savings and checking share draft accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 Visa Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 1,500.00 per day. • - You may make 15 cash withdrawals 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. • - You may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 510.00 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, PLUS® and ACCEL 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 and 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 card to: • - Make deposits to your Primary Share, All Purpose Share, and share savings and checking draft accounts. • - Withdraw funds from your Primary Share, All Purpose Share, and share draft accounts. - Transfer funds from your Primary Share, All Purpose Share, and share savings and checking draft accounts. • - Obtain balance information for your Primary Share, All Purpose Share, and share savings and checking draft accounts. • Make certain loan payments from - Access your share savings and checking First Line accounts. • Access your Personal Line of Credit account. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services online or by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 2,000.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your 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. If For one-time debit transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of transaction. Services and fees for overdrafts are shown in the document the Credit Union uses to capture the member’s opt-in choice for overdraft protection and the Schedule of Fees and Charges. For other types of transactions, if the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, ACCEL/Exchange, American Express, Allpoint, Cirrus, Plus, VISA, CO-OP, and ACCEL PULSE networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to your share savings and checking accounts. • Transfer Withdraw funds from your share savings and checking share draft accounts. • Obtain balance information for your share savings and checking share draft accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 10 Visa Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 5 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 750.00 from POS terminals per day, if there are sufficient funds in your account. • You See Section 2 for transfer limitations that may transfer up apply to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL 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 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 share checking accounts. - Withdraw funds from your savings and checking accounts. • - Transfer funds from your share savings and checking accounts. • - Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • - Access your Personal Line of Credit accountaccounts. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 4,000.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You may use your Your Visa Debit Card to purchase goods and services from participating merchantsPIN can be used for all the functions outlined above in the Visa Savings Only Debit Card section. If you wish to pay for goods or services over the InternetAdditionally, 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 also: • Withdraw funds from your savings and checking accountaccounts. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card to: • Make deposits to your share savings and checking accounts. • Transfer funds from between your share savings and checking accountsaccounts whenever you request. • Obtain balance information for on your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Point of Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants POS terminals that have the Visa logo. • Pay for purchases at places that have agreed to accept Visathe Card. • Pay bills or make other transactions on Non-Visa Networks without a PIN* • Order goods or services by mail, telephone, or via the Internet or telephone from places that accept Visathe Card. • Some functions may Make cash withdrawals in foreign countries and in foreign currencies where the card is accepted. *Non-Visa PIN-less transactions will not be limited at processed as Visa transactions and therefore will not include Visa's zero liability or chargeback and dispute resolution benefits. Additionally, provisions of this agreement relating only to Visa transactions are not applicable to non-proprietary ATMs; features may be limited to POS only, according to merchantVisa and PIN-less debit transactions. • Withdraw funds from your share savings and checking accountsLimitations. The following daily limitations on the frequency and may apply to your Card: Membership Type Credit (Signature) Limit Debit (PIN) Limit ATM Limit Teen – Ages 12-17 $500.00 $510.00 $510.00 General $3,500.00 $1,500.00 $1,010.00 Simple $1,010.00 $310.00 $310.00 Savings $0.00 $0.00 $510.00 • The maximum dollar amount of Visa Debit Card transactions may apply: • You cash withdrawals at an ATM is referenced above for your membership type. Sufficient funds must be available to make any withdrawal. There is no limit to the number of cash withdrawals you may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You The maximum purchase price for any one transaction at a POS Terminal is referenced above for your membership type. There is no limit to the number of purchases you may purchase up to a maximum of $3,500.00 from POS terminals per make in one (1) day, if there are sufficient funds in your account. • You For security reasons, there may transfer up be other limitations to the available balance in your accounts frequency and number of transfers you may make at the time of the transferATMs. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries Your available account balance may be blocked and will require a manual reduced for preauthorizations for three (3) business days or verbal authorization for approvaluntil the transaction clears. Please check with us prior to departure to determine if your destination country is atfected. However, • Additional limitations are set forth in the right to deny such transactions is within our sole discretion and atfected countries may change at any timeWITHDRAWAL LIMITATIONS provision contained herein.

Visa Debit Card. You If approved, you may use your Card 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 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. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISA, CO-OPPLUS, and ACCEL STAR networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • - Make deposits to your share savings and checking accounts. • Transfer You are unable to make a deposit at a non Centris ATM. - Withdraw funds from your share savings and checking accounts. • - Transfer funds from your savings and checking accounts. - Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 - There is no limit on the number of Visa Debit Card purchases you make per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $3,500.00 2,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine- Maximum of $2,500.00 for each transaction. • - 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day- For security purposes, if there are sufficient funds in your accountother 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. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your 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 account. If For one-time debit card transactions, you must consent to the Credit Union's overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusCo-Op, VISACirrus, CO-OP, and ACCEL STAR networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to - Withdraw funds from your share savings and checking accounts. • - Transfer funds from your share savings savings, checking and checking Money Market accounts. • - Obtain balance information for your share savings savings, checking and checking Money Market accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 Visa Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 1,500.00 per day. • You may make 15 cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day- For security purposes, if there are sufficient funds in your accountother 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. - If you incur a charge in a currency other than U.S. dollarsthe system is offline, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked ATM withdrawal amount is limited to $100.00 per day and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timecard $300.00 per day.

Visa Debit Card. You If approved, you may use your Card card and personal identification number (PIN) in automated teller machines (ATMs) of the Credit Union, PLUS, CO-OP or Shazam networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa® networks. To initiate a Visa® Debit transaction, you may sign a receipt, provide a card number, or swipe your card through a POS terminal. Please refer to the Member Liability section below for terms and conditions. If approved, you may use your card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of 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, state or local law. Funds to cover your Card purchases will be deducted from your checking account. If the balance in your account is not sufficient to pay the transaction amount, the Credit Union may pay the amount and treat the transaction as a request to transfer funds from other deposit accounts, approved overdraft protection accounts or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card and PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to your share savings and checking accounts. • Withdraw funds from your savings and checking accounts. • Transfer funds to/from your share savings and checking accounts. • Obtain balance information for your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and card with or without your PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa®. • Order goods or services by mail, Internet telephone or telephone online from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts®. The following limitations on the frequency and amount of Visa Visa® Debit Card transactions may apply: • You There is no limit on the number of cash withdrawals you may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • You day, but in aggregate you may withdraw up to a maximum of $500.00 410 in any one (1) day from an ATM machineday, if there are sufficient funds in your account. • You may There is a fifteen (15) transaction limit on the number of Visa® Debit Card POS purchases you make 15 POS transactions per day, but in any one (1) day. • You aggregate you may purchase up to a maximum of $3,500.00 2,500 from POS terminals per day, if there are sufficient funds in your account. • You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur See Section 2 for transfer limitations that may apply to these transactions. Because of the servicing schedule and processing time required in ATM operations, there may be a charge delay between the time a deposit (either cash or check) is made and when it will be available for withdrawal. Visa Account Updater (VAU): VAU is an account updating service in a currency other than U.S. dollarswhich your card is automatically enrolled. When your card(s) expire, are lost or stolen and new cards are issued, the charge will be converted into the US dollar amountservice may update relevant card data (Card numbers and expiration dates) to appropriate merchants who participate in an effort to facilitate uninterrupted processing of your recurring charges. Please see the Foreign Transactions section belowThe service provides updates to a Visa® database only. Also, transactions in certain countries may be blocked and will require The database is accessed by those qualified merchants seeking your account information after you have requested they process a manual recurring payment or verbal authorization for approvalpayments. Please check with us prior This service is provided as a free benefit to departure to determine if your destination country is atfectedyou. However, the right to deny such transactions is within our sole discretion and atfected countries may change If at any timetime you wish to opt-out of the VAU service, opt back-in, or if you have any questions, please call 000-000-0000.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusSTAR, VISA, CO-OP, and ACCEL 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 and 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 card to: • Make deposits to - 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 certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 Debit Card purchases per day- Purchase amounts are limited to the amount in your account. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 700.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • You may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • - See Section 2 for transfer limitations that may apply to these transactions. - The daily transaction limits per account are: $700.00 for ATM withdrawals; $1,000.00 for pinned POS (point-of-sale) transactions; $2,000.00 for Internet, phone or mail transactions and $5,000.00 for signature Visa transactions with a daily total limit of $6,500.00, if there are sufficient funds in your account. Card Information Updates and Authorizations. If you incur have authorized a charge merchant to bill charges to your card on a recurring basis, it is your responsibility to notify the merchant in a currency other than U.S. dollarsthe event your card is replaced, your card information (such as card number and expiration date) changes, or the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check account associated with us prior to departure to determine if your destination country card is atfectedclosed. However, if your card is replaced or card information changes, you authorize us, without obligation on our part, to provide the right updated card information to deny the merchant in order to permit the merchant to bill recurring charges to the card. You authorize us to apply such transactions recurring charges to the card until you notify us that you have revoked authorization for the charges to your card. Your card is within our sole discretion automatically enrolled in an information updating service. Through this service, your updated card information (such as card number and atfected countries expiration date) may change at any timebe 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 Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusPLUS, VISASTAR, CO-OPMaestro, and ACCEL Cirrus, CU$ networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • - Make deposits to your share savings and checking accounts. • Transfer - Withdraw funds from your share savings and checking accounts. • - Transfer funds from your savings and checking accounts. - Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 ten (10) Visa Debit Card purchases per day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $3,500.00 2,500.00 per day. • - You may make 15 ten (10) cash withdrawals in any one (1) day from an ATM machine. • - You may withdraw up to a maximum of $500.00 1000.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. • - You may make 15 ten (10) POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 2500.00 from POS terminals per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.

Visa Debit Card. You If approved, you may use your Card Visa® card to purchase goods and services from participating merchants. However, you may not use your card to initiate any type of electronic gambling transactions through the Internet. If you wish to pay for goods or services over the Internet, you may be required to provide card number security information before you will be permitted to complete the transaction. You agree that you will not use your Card card for any transaction that is illegal under applicable federal, state, or local law. Funds to cover your Card card purchases will be deducted from your checking account. If 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, Plus, VISASTAR, CO-OP, and ACCEL Cirrus, PLUS, Alliance One, 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 STAR, CO-OP, Cirrus, PLUS, Alliance One, 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, 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 - You may make deposits to your share savings and checking accounts with the following exception: ATM deposits are not allowed on NuStart Checking and NuDreams Checking accounts. - Withdraw funds from your share and checking accounts. • - Transfer funds from your share savings and checking accounts. • - Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 nine (9) Visa Debit Card purchases per day. • - You may purchase up to a maximum of $3,500.00 1,500.00 per day. • This limit will increase to $3,000.00 after six (6) months of your account being opened. - For NuStart Checking and NuDreams Checking, you may purchase up to a maximum of $500.00 per day. - You may make 15 nine (9) cash withdrawals 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. • You may make 15 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 500.00 from POS terminals per day, if there are sufficient available funds in your account. • - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur - See Section 2 for transfer limitations that may apply to these transactions. - You may make nine (9) xxxx payments in any one (1) day, up to a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timemaximum of $1,000.00 per day.

Visa Debit Card. You If approved, you may use your 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 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 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 one-time 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 Fee 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 accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, account you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card card and PIN personal identification number (Personal Identification NumberPIN) in at ATMs of the Credit Union, PlusACCEL, VISAVisa, COCo-OP, and ACCEL networks, Op and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the ACCEL, Visa and Co-Op. However, provisions of this Agreement relating to Visa transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your Card card to: • Make deposits to - Withdrawal 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 certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 five (5) cash withdrawals 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 any sufficient funds in your account. • - You may make 15 20 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 from 1,000.00 in POS terminals transactions per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in on your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries may be blocked and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any time.

Visa Debit Card. If approved, you may use your card and PIN in ATMs of the credit union and designated networks. You may use your Card card without a PIN for certain transactions on the designated networks. You may use your card to purchase goods and services from participating merchants. 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. Provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa Network. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa Network. Refer to the Member Liability section of this Agreement for terms and conditions. Funds to cover your Card card purchases will be deducted from your checking account. If card is not used in twelve consecutive months, on the thirteenth month an applicable fee will occur.* If the card is not used in eighteen consecutive months, the card will be closed. For one-time debit transactions, you must consent to the Credit Union’s overdraft privilege program with extended coverage. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these transactions. 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 accounts, or loan accounts that you have established with the Credit Unionestablished. 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. Union 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 PIN (Personal Identification Number) in ATMs of the Credit Union, Plus, VISA, CO-OP, and ACCEL networks, and such other machines or facilities as the Credit Union may designate. At the present time, you may also use your Card card to: • Make deposits to your share savings and checking accounts. accounts at credit union or participating network ATMs.* • Withdraw funds from your savings and checking accounts at credit union or participating network ATMs.* • Transfer funds from your share savings and checking accounts. • Obtain balance information for from your share savings and checking accounts. • Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. .* • Make POS (Point-of-Sale) transactions with your Card card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Make POS Direct Debit Bill Payments using your card at participating network vendors. • Make POS account to account money transactions at participating network ATMs. • Order goods or services by mail, Internet mail or telephone from places merchants that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • You may make 15 twenty-five (25) Visa Debit Card purchases (non-PIN transactions**) per day. day • You may purchase up to a maximum of $3,500.00 5,000 (non-PIN transactions**) per day. • You There is no limit to the number of cash withdrawals you may make 15 cash withdrawals 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. • You There is no limit on the number of POS transactions you may make 15 POS transactions in any one (1) day. • You may purchase up to a maximum of $3,500.00 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. • If you incur There may be a charge in a currency other than U.S. dollars, delay between the charge time an ATM deposit (either cash or check) is made and when it will be converted into the US dollar amountavailable for withdrawal. Please see the Foreign Transactions section below. Also, There may also be a delay for any other deposits and/or transactions in certain countries may be blocked due to system servicing and will require a manual or verbal authorization for approval. Please check with us prior to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timeprocessing.

Visa Debit Card. You If approved, you may use your 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 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 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 one-time 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 Fee 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 accounts, or loan accounts that you have established with the Credit Union. If you initiate a transaction that overdraws your Account, account you agree to make immediate payment of any overdrafts together with any service charges to the Credit Union. In the event of repeated overdrafts, the Credit Union may terminate all services under this Agreement. You may use your Card card and PIN personal identification number (Personal Identification NumberPIN) in at ATMs of the Credit Union, PlusACCEL, VISAVisa, COCo-OP, and ACCEL networks, Op and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the ACCEL, Visa and Co-Op. However, provisions of this Agreement relating to Visa transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your Card card to: • Make deposits to - Withdrawal 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 certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • Make POS (Point-of-Sale) transactions with your Card and PIN (Personal Identification Number) to purchase goods or services at merchants that accept Visa. • Order goods or services by mail, Internet or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 Debit Card purchases per day. • You may purchase up to a maximum of $3,500.00 per day. • You may make 15 five (5) cash withdrawals 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 any sufficient funds in your account. • - You may make 15 20 POS transactions in any one (1) day. • - You may purchase up to a maximum of $3,500.00 from 1,000.00 in POS terminals transactions per day, if there are sufficient funds in your account. • - You may transfer up to the available balance in on your accounts at the time of the transfer. • If you incur It is the intent of the credit union to electronically scan all agreements and disclosures. The member should understand that the credit union may not retain the original document and the member agrees that the electronically stored images of all account agreements and disclosures will have the same effect as the original and will service as original source documents. Because of the servicing schedule and processing time required in ATM operations, there may be a charge in delay between the time a currency other than U.S. dollars, the charge deposit (either cash or check) is made and when it will be converted into available for withdrawal. 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 US dollar amountpresent time, you may use Online Banking to: • Transfer funds from your savings, checking, loan and club accounts. Please see • Withdraw funds from your share and share draft accounts. • Obtain balance information for your savings, checking, loan, money market, club, and certificate accounts. • Make loan payments from your savings, checking, loan, money market, and club accounts • Access your Line of Credit or Visa Credit Card accounts. • Determine if a particular item has cleared. • Obtain tax information on amounts earned on share and share draft • Verify the Foreign Transactions section belowlast date and amount of your payroll deposit. Also, transactions in certain countries • View account history • Make bill payments to preauthorized creditors Your accounts can be accessed under Online Banking via personal Online Banking will be available for your convenience 24 hours per day. This service may be blocked and will require interrupted for a manual or verbal authorization short time each day for approvaldata processing. Please check with us prior to departure to determine if your destination country is atfected. However, We reserve the right to deny such 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. 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. The following limitations on Home Banking transactions may apply: • There is within our sole discretion and atfected countries no limit to the number of inquiries, transfers, or withdrawal requests you may change at make in any timeone (1) day.

Visa Debit Card. You If approved, you may use your 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 account. If For one-time debit card transactions, you must consent to the Credit Union’s overdraft protection plan in order for the transaction amount to be covered under the plan. Without your consent, the Credit Union may not authorize and pay an overdraft resulting from these types of 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 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 PIN personal identification number (Personal Identification NumberPIN) in ATMs of the Credit Union, PlusSTAR, VISA, CO-OPPulse, and ACCEL Cirrus networks, and such other machines or facilities as the Credit Union may designate. In addition, you may use your card without a PIN for certain transactions on the Visa and Cirrus networks. However, provisions of this Agreement relating to Visa transactions do not apply to transactions processed through non-Visa networks. To initiate a Visa Debit transaction, you may sign a receipt, provide a card number or swipe your card through a point-of-sale (POS) terminal and choose to route the transaction over a Visa network. Please refer to the Member Liability section of this Agreement for terms and conditions. At the present time, you may also use your Card card to: • - Make deposits to your share savings and checking accounts. • Transfer - Withdraw funds from your share savings and checking accounts. • - Transfer funds from your savings and checking accounts. - Obtain balance information for your share savings and checking accounts. • - Make certain loan payments from your share savings and checking accounts. • Access your Personal Line of Credit account. • - Make POS (Pointpoint-of-Salesale (POS) transactions with your Card card and PIN personal identification number (Personal Identification NumberPIN) to purchase goods or services at merchants that accept Visa. • - Order goods or services by mail, Internet mail or telephone from places that accept Visa. • Some functions may be limited at non-proprietary ATMs; features may be limited to POS only, according to merchant. • Withdraw funds from your share savings and checking accounts. The following limitations on the frequency and amount of Visa Debit Card transactions may apply: • - You may make 15 25 Visa Debit Card purchases per in any one (1) day. • - Purchase amounts are limited to the amount in your account. - You may purchase up to a maximum of $3,500.00 5,000.00 per day. • - You may make 15 25 cash withdrawals 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. • - You may make 15 withdraw up to a maximum of $200.00 in any one (1) day from an ATM machine, if there are sufficient funds in your account. - 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 $3,500.00 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. - You may transfer up to the available balance in your accounts at the time of the transfer. • If you incur a charge in a currency other than U.S. dollars, the charge will be converted into the US dollar amount. Please see the Foreign Transactions section below. Also, transactions in certain countries - See Section 2 for transfer limitations that may be blocked and will require a manual or verbal authorization for approval. Please check with us prior apply to departure to determine if your destination country is atfected. However, the right to deny such transactions is within our sole discretion and atfected countries may change at any timethese transactions.