Common use of ATMs Clause in Contracts

ATMs. The availability of ATM services and the Cash Advance amount you can withdraw each day may vary from time to time and without prior notice to you. We are not liable if ATM services are not available or for any loss or damage you may suffer because of your use of an ATM. We will send you a monthly account statement if there have been transactions during the last month or if you owe us any money on the account. The number of days covered by each account statement may vary (normally between 28 and 33 days) as a result of several factors, including holidays, weekends and the different number of business days in each month. We will send account statements only to the primary cardholder at the most current statement mailing address that we have on file. The statement shall be conclusively deemed correct and accepted by you unless CEFCU receives a proper written notification of a billing error within 60 days of the first mailing or delivery to you of the monthly statement on which the disputed item(s) or amount(s) is/are reflected. When you access your account in a manner that we permit, or when you authorize others to use it, you will incur an obligation. You agree to pay all obligations reflecting Purchases, Balance Transfers and Cash Advances charged to your account because of authorized use of the Card by you and/or any person authorized by you to use the same upon presentment of such obligations to CEFCU. The primary cardholder agrees that, whether or not the other cardholder(s) is/are a member of CEFCU and whether or not the other cardholder(s)’ Card(s) has/have a separate number and/or is/are embossed with the other cardholder(s)’ name, he or she is primarily liable for paying all obligations reflecting Purchases, Balance Transfers and Cash Advances charged to the account. We will add a Finance Charge, fees and other applicable charges to your obligations and these amounts will form part of your obligations. You agree to pay CEFCU for all such obligations, at such place as CEFCU designates, with applicable interest charges and any Fees that may be due, in accordance with ▇▇▇▇▇▇▇▇ and the current Extended Payment Schedule. Interest charges shall continue to accrue until the principal balance is paid in full. You may prepay your New Balance in full without penalty.

ATMs. You may use your Card at the following ATMs: • All ATMs in our branch offices or with the name “Eastern Bank” on them (“Bank” ATMs) • Other ATMs that participate in the same networks as Eastern Bank (“Non-Bank” ATMs) The availability types of ATM services and the Cash Advance amount transactions you can perform at an ATM will depend on the ATM that you are using. You can perform all of the following types of transactions at most Bank ATMs, but some of these transactions may not be available at Non-Bank ATMs. • Cash Withdrawals • Transfers Among Designated Accounts • Balance Inquiries Balances available through the ATM are updated once each business day; as a result, they may not show some of the most recent transactions on your account. • Deposit and Cashback You may use your Bank Card to deposit funds into a Designated Account and, once each day, immediately withdraw each day may vary from time up to time $100 of those funds as long as the balance of available funds in the account before the deposit was not less than zero and without prior notice we have not restricted access to you. We are not liable if ATM services are not available or the account for any loss reason. • Payments You can use your Card to make a payment on a loan or damage you may suffer because line of your credit from us at any full service Bank ATM that requires the use of envelope deposits. You must include a payment coupon with your payment. There may be a delay of up to 3 business days in crediting loan payments made at an ATM. We Such payments will send not be accepted at envelope-free ATMs. There are two types of point-of-sale (“POS”) transactions: • PIN Transactions PIN transactions are transactions made at a merchant with your Debit Card when you enter your personal identification number (“PIN”). PIN purchases can be made at merchants displaying the NYCE® logo. • Non-PIN Transactions Non-PIN transactions are transactions made at a monthly account statement if there have been merchant with your Debit Card in which you do not enter your PIN (“Non-PIN”). When in person, you may be required to sign a receipt to conduct a Non- PIN transaction. Non-PIN purchases can be made at merchants displaying the MasterCard® logo. Typically, a POS transaction for which you enter a PIN will be processed on a PIN-based network and a POS transaction for which you sign a receipt will be processed on a signature-based network. However, in some cases merchants may use PIN-based networks for signature transactions during the last month or if you owe us any money and signature-based networks for PIN transactions. ATM and POS transactions are debited from your daily limits and your available balance based on the account. The number of days covered by each account statement may vary (normally between 28 and 33 days) as a result of several factors, including holidays, weekends authorization request received from the merchant and the different number of business days in each month. We will send account statements only to the primary cardholder at the most current statement mailing address that we have on file. The statement shall be conclusively deemed correct and accepted by you unless CEFCU receives a proper written notification of a billing error within 60 days of the first mailing or delivery to you of the monthly statement on which the disputed item(s) or amount(s) is/are reflected. When you access your account in a manner that we permit, or when you authorize others to use it, you will incur an obligation. You agree to pay all obligations reflecting Purchases, Balance Transfers and Cash Advances charged final amount is posted to your account because when the transaction has cleared. Our standard overdraft practices apply to ATM and POS transactions as stated in “Overdrafts” in Section I – General Rules for Deposit Accounts. In addition, the following daily transaction and dollar limits apply. • 3 ATM withdrawals per calendar day, for a total amount of authorized use up to $750. • No PIN POS transactions. Eastern Bank Debit MasterCard® Standard Card • 5 ATM withdrawals per calendar day, up to a total amount of $750. • 10 POS transactions per calendar day processed on a PIN-based network, up to a total of $1,000. • 15 POS transactions per calendar day processed on a signature-based network, up to a total of $2,000. • 5 ATM withdrawals per calendar day, up to a total amount of $1,000. • 10 POS transactions per calendar day processed on a PIN-based network, up to a total of $1,200. • 15 POS transactions per calendar day processed on a signature-based network , up to a total of $2,500. • 5 ATM withdrawals per calendar day, up to a total amount of $1,000. • 10 POS transactions per calendar day processed on a PIN-based network, up to a total of $2,500. • 15 POS transactions per calendar day processed on a signature-based network, up to a total of $3,500. You have the right under applicable law to request that we limit the amount of cash withdrawals that may be made at an ATM with your Card to $50 per calendar day. Eastern Bank reserves the right to temporarily reduce limits on debit cards as needed in certain geographical areas or where the bank has received notice that fraud is occurring. See the Bank’s Personal Deposit Account Fees for account maintenance charges and fees for ATM and POS transactions. If you effect a transaction with your ATM or Debit Card in a currency other than U.S. dollars, MasterCard® will convert the amount of the Card by you and/or any person authorized by you transaction in foreign currency to a U.S. dollar amount. To make this conversion, MasterCard will use the same upon presentment of such obligations procedure set forth in its operating regulations. Those regulations provide that MasterCard may make the conversion to CEFCUU.S. dollars using either a government-mandated exchange rate or a wholesale exchange rate selected by MasterCard®. The primary cardholder agrees thatIn either case, whether the rate used will be the rate in effect on the day MasterCard processes the transaction, which may differ from that applicable to the date the transaction occurred or not the other cardholder(s) is/are a member of CEFCU and whether or not the other cardholder(s)’ Card(s) has/have a separate number and/or is/are embossed with the other cardholder(s)’ name, he or she is primarily liable for paying all obligations reflecting Purchases, Balance Transfers and Cash Advances charged when it posted to the account. We You agree that your ATM or Debit Card Checking Account will add be charged the U.S. dollar amount converted from a Finance Charge, fees and other applicable charges to your obligations and these amounts will form part of your obligationsforeign currency as provided in this paragraph. You agree to pay CEFCU will be charged a MasterCard® International Assessment fee for all such obligationseach foreign transaction made by you with your ATM or Debit Card (i.e., at such place any transaction made in a foreign currency), as CEFCU designates, with applicable interest charges and any Fees that may be due, disclosed in accordance with ▇▇▇▇▇▇▇▇ and the current Extended Payment Schedule. Interest charges shall continue to accrue until the principal balance is paid in full. You may prepay your New Balance in full without penaltyPersonal Deposit Account Fees.