Common use of Check Card Clause in Contracts

Check Card. The Check Card is not a credit card and no commitment to extend credit will be made by issuance of the Check Card. Once the card is issued, any ATM card on the account will be cancelled. You may use your Card to: • Perform ATM Card transactions as described above. • Make POS transactions with your Card and PIN to purchase goods or services at merchants that accept VISA®. • Order goods or services by mail, online, or telephone from places that accept VISA®. • Transfer funds between accounts. The following limitations on the frequency and amount of Check Card transactions may apply: • There is no limit to the number of Check Card purchases you can make each day directly from merchants or through POS terminals. • You may purchase up to a total of $1,500 each day with your Check Card (or the available funds in your account, if less than $1,500). • There is no limit to the number of cash withdrawals you can make each day from ATMs, nor to the number of cash advances you can make each day in person at participating institutions (subject to the withdrawal and cash advance limits below). • Your combined total of cash withdrawals at ATMs and/or cash advances made in person each day cannot exceed $500 (or the available funds in your account, if less than $500). Concierge members may be authorized for higher withdrawal limits. • You can transfer up to the available balance in your accounts at the time of transfer. Your check can result in an electronic funds transfer. This can happen in several ways. For example: • You can purchase goods or pay for services and authorize a merchant or service provider to convert your check into an electronic funds transfer. • At the time, you offer a check to the merchant or service provider, you may be asked to authorize the merchant or service provider to electronically collect a charge in the event a check is returned for insufficient funds. Paying such a fee electronically is an electronic funds transfer. Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through the posting of a sign. You may access your account(s) with a computer or mobile device using Internet access to ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or a related mobile application and using your login ID and PIN to: • Transfer funds between accounts and/or transfer funds to others • Make payments to loans with us (transfer from a share account to a loan account) • Make payments from your checking account to third parties (▇▇▇▇ payment). For transaction and other limitations please refer to any separate terms that apply to such services. Fees and charges for use of your card and MET are in our Schedule of Account Fees. An ATM operator may impose a fee if you initiate an Electronic funds transfer or balance inquiry from an ATM that is not operated by us, and a fee may be imposed by a national, regional or local automated transfer network that is used to facilitate the transaction. When you use an ATM not owned by us, you may be charged a fee (surcharge) by the ATM operator or any Network used. You may be charged a fee for balance inquiry even if you do not complete a funds transfer.

Check Card. The Check Card is not a credit card and no commitment to extend credit will be made by issuance of the Check Card. Once the card is issued, any ATM card on the account will be cancelled. You may use your Card to: • Perform ATM Card transactions as described above. • Make POS transactions with your Card and PIN to purchase goods or services at merchants that accept VISA®. • Order goods or services by mail, online, or telephone from places that accept VISA®. • Transfer funds between accounts. The following limitations on the frequency and amount of Check Card transactions may apply: • There is no limit to the number of Check Card purchases you can make each day directly from merchants or through POS terminals. • You may purchase up to a total of $1,500 each day with your Check Card (or the available funds in your account, if less than $1,500). • There is no limit to the number of cash withdrawals you can make each day from ATMs, nor to the number of cash advances you can make each day in person at participating institutions (subject to the withdrawal and cash advance limits below). • Your combined total of cash withdrawals at ATMs and/or cash advances made in person each day cannot exceed $500 (or the available funds in your account, if less than $500). Concierge members may be authorized for higher withdrawal limits. • You can transfer up to the available balance in your accounts at the time of transfer. Your check can result in an electronic funds transfer. This can happen in several ways. For example: • You can purchase goods or pay for services and authorize a merchant or service provider to convert your check into an electronic funds transfer. • At the time, you offer a check to the merchant or service provider, you may be asked to authorize the merchant or service provider to electronically collect a charge in the event a check is returned for insufficient funds. Paying such a fee electronically is an electronic funds transfer. Your authorization to make these types of electronic funds transfers may be expressed in writing or implied through the posting of a sign. You may access your account(s) with a computer or mobile device using Internet access to ▇▇▇.▇▇▇▇▇▇▇▇▇▇▇.▇▇▇ or a related mobile application and using your login ID and PIN to: • Transfer funds between accounts and/or transfer funds to others • Make payments to loans with us (transfer from a share account to a loan account) • Make payments from your checking account to third parties (▇▇▇▇ bill payment). For transaction and other limitations please refer to any separate terms that apply to such services. Fees and charges for use of your card and MET are in our Schedule of Account Fees. An ATM operator may impose a fee if you initiate an Electronic funds transfer or balance inquiry from an ATM that is not operated by us, and a fee may be imposed by a national, regional or local automated transfer network that is used to facilitate the transaction. When you use an ATM not owned by us, you may be charged a fee (surcharge) by the ATM operator or any Network used. You may be charged a fee for balance inquiry even if you do not complete a funds transfer.