Common use of Visa Debit Card Clause in Contracts

Visa Debit Card. You may use your Visa Debit Card and/or PIN to: • Withdraw funds from your savings and checking accounts. • Make deposits to your savings and checking accounts. • Transfer funds between your savings and checking accounts whenever you request. • Obtain balance information on your savings and checking 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 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 places that accept the 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. Advances from your line-of-credit account are loans that must be repaid by you, and are governed by your line-of-credit agreement. *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. Additionally, provisions of this agreement relating only to Visa transactions are not applicable to non-Visa and PIN-less debit transactions. Limitations. The following limitations will apply to your Card: • The maximum dollar amount of cash withdrawals per day is $405.00. Sufficient funds must be available to make any withdrawal. There is no limit to the number of cash withdrawals you may make in one day. • The maximum purchase price for any one transaction at a POS Terminal is $3,500.00. There is no limit to the number of purchases you may make in one day. • 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. • Additional limitations are set forth in the TRANSFER LIMITATIONS provision contained herein.

Visa Debit Card. You may use your Visa Debit Card and/or and PIN toto perform all of the functions listed above in the ATM Card Access section. Additionally, you may also: • # •# Withdraw funds from your savings savings, checking and checking Line of Credit accounts. • # •# Make deposits to your savings savings, checking and checking Line of Credit accounts. • # •# Transfer funds between your savings savings, checking and checking Line of Credit accounts whenever you request. • # •# Obtain balance information on your savings savings, checking and checking Line of Credit 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 or services at POS terminals that have the Visa logo. • # •# Pay bills or make other transactions on Non-Visa Networks (STAR, ACCELPRESTO) without a PIN* • # •# Order goods or services by mail, telephone, or via the Internet from places that accept the Card. • # •# Make cash withdrawals in foreign countries and in foreign currencies. # •# Pay bills directly by telephone from your 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. Advances from your line-of-credit account are loans that must be repaid by you, and are governed by your line-of-credit agreement. *Non-Visa PIN-less transactions will not be processed as Visa transactions and therefore will not include Visa's ’s zero liability or chargeback and dispute resolution benefits. Additionally, provisions of this agreement relating only to Visa transactions are not applicable to non-Visa and PIN-PIN- less debit transactions. Limitations. The following limitations will apply to your Card: • # •# The maximum dollar amount of cash withdrawals per day is $405.00515.00. Sufficient funds must be available to make any withdrawal. There is no limit to the number of # # You may make only 15 cash withdrawals you may make in one day. • day # •# The maximum purchase price for any one transaction at a POS Terminal is $3,500.005,000.00. There is no limit to the number of purchases you You may make only 15 purchases in one day. • day # •# 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. • Additional limitations # •# You are set forth in the TRANSFER LIMITATIONS provision contained hereinnot allowed to make deposits at an ATM that we do not operate or own.

Visa Debit Card. You may use your Visa Debit Card and/or and PIN toto perform all of the functions listed above in the ATM Card Access section. Additionally, you may also: • Withdraw funds from your savings savings, checking and checking club accounts. • Make deposits to your savings savings, checking, money market and checking club accounts. • Transfer funds Make transfers between your savings savings, checking, money market and checking accounts whenever you requestclub accounts. • Obtain balance information on your savings savings, checking, money market and checking club accounts. • Take an advance from your line-of-credit account. • Pay for purchases at places that have agreed to accept the Card. • Pay bills or make other transactions on Non-Visa Networks without a PIN* • Make deposits to your savings and checking accounts at participating network ATMs. • Make POS (Point of Sale) transactions to purchase goods 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 places that accept the Card. • Make cash withdrawals in foreign countries and in foreign currencies. 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. Advances from your line-of-credit account are loans that must be repaid by you, and are governed by your line-of-credit agreement. *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. Additionally, provisions of this agreement relating only to Visa transactions are not applicable to non-Visa and PIN-less debit transactions. Limitations. The following limitations will apply to your Card: • The maximum dollar amount of cash withdrawals per day is $405.00500.00. Sufficient funds must be available to make any withdrawal. There is no limit to the number of You may make only 12 cash withdrawals you may make in one day. • The maximum purchase price for any one transaction at a POS Terminal is $3,500.005,000.00. There is no limit to the number of purchases you You may make only 25 purchases in one day. • 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. • Additional limitations are set forth If card is not used in twelve consecutive months, on the TRANSFER LIMITATIONS provision contained hereinthirteenth month, an applicable fee will occur. See our Fee Schedule for current fees. If the card is not used within eighteen consecutive months, the card will be closed.

Visa Debit Card. You may use your Visa Debit Card and/or and PIN toto perform all of the functions listed above in the ATM Card Access section. Additionally, you may also: • Withdraw funds from your savings and checking accounts. • Make deposits to your savings and checking accounts. • Transfer funds between your savings and checking accounts whenever you request. • Obtain balance information on your savings and checking 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 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 places that accept the Card. • Make cash withdrawals in foreign countries and in foreign currencies. 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. Advances from your line-of-credit account are loans that must be repaid by you, and are governed by your line-of-credit agreement. *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. Additionally, provisions of this agreement relating only to Visa transactions are not applicable to non-Visa and PIN-less debit transactions. Limitations. The following limitations will apply to your Card: • The maximum dollar amount of cash withdrawals per day is $405.00500.00. Sufficient funds must be available to make any withdrawal. There is no limit to the number of • You may make only 30 cash withdrawals you may make in one day. • The maximum purchase price for any one transaction at a POS Terminal is $3,500.0010,000.00. There is no limit to the number of purchases you • You may make only 30 purchases in one day. • 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 are not allowed to make deposits at an ATM that we do not operate or own. • Additional limitations are set forth in the TRANSFER LIMITATIONS provision contained herein. • We may make changes to the daily withdrawal limits at any time, as necessary. Further, we may reduce the limit for “point-of-sale” transactions during any interruption in the electronic connection between the Credit Union and the retail outlet.

Visa Debit Card. You may use your Visa Debit Card and/or and PIN toto perform all of the functions listed above in the ATM Card Access section. Additionally, you may also: • # •# Withdraw funds from your savings savings, checking and checking Line of Credit accounts. • # •# Make deposits to your savings savings, checking and checking Line of Credit accounts. • # •# Transfer funds between your savings savings, checking and checking Line of Credit accounts whenever you request. • # •# Obtain balance information on your savings savings, checking and checking Line of Credit 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 or services at POS terminals that have the Visa logo. • # •# Pay bills or make other transactions on Non-Visa Networks (STAR, ACCELPRESTO) without a PIN* • # •# Order goods or services by mail, telephone, or via the Internet from places that accept the Card. • # •# Make cash withdrawals in foreign countries and in foreign currencies. # •# Pay bills directly by telephone from your 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. Advances from your line-of-credit account are loans that must be repaid by you, and are governed by your line-of-credit agreement. *Non-Visa PIN-less transactions will not be processed as Visa transactions and therefore will not include Visa's ’s zero liability or chargeback and dispute resolution benefits. Additionally, provisions of this agreement relating only to Visa transactions are not applicable to non-Visa and PIN-PIN- less debit transactions. Limitations. The following limitations will apply to your Card: • # •# The maximum dollar amount of cash withdrawals per day is $405.00515.00. Sufficient funds must be available to make any withdrawal. There is no limit to the number of # # You may make only 15 cash withdrawals you may make in one day. • day # •# The maximum purchase price for any one transaction at a POS Terminal is $3,500.005,000.00. There is no limit to the number of purchases you You may make only 15 purchases in one day. • day # •# 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 are not allowed to make deposits at an ATM that we do not operate or own. # •# Additional limitations are set forth in the TRANSFER LIMITATIONS provision contained herein.