Common use of Joint Accounts Clause in Contracts

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners including any authorized users, shall be bound by the terms and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is authorized to act for the others, and we may accept orders and instructions regarding any transaction on any account from any owner. We can refuse to follow conflicting instructions. Reversal of Transactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "float" time and therefore there is no effective way of stopping the transaction. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners including any authorized users, shall be bound by the terms and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is authorized to act for the others, and we may accept orders and instructions regarding any transaction on any account from any owner. We can refuse to follow conflicting instructions. Reversal of Transactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "float" time and therefore there is no effective way of stopping the transaction. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners owners, including any authorized users, shall be bound by the terms this Agreement and, alone and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permissiontogether, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for all MasterCard Debit Card transactions to or from any share and all transactions share draft or loan accounts as provided in this Agreement. Each joint owner, without the consent of any other account owner, may, and hereby is authorized by every other joint account owner, to make any transaction permitted under this Agreement regardless of which owner accessed the accounts or used the servicesAgreement. Each joint account holder owner is authorized to act for the othersother account owners, and we the credit union may accept orders and instructions regarding any MasterCard Debit Card transaction on any account from any joint account owner. We can refuse There are certain fees and charges for MasterCard Debit Card services. From time to follow conflicting instructions. Reversal of Transactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal time, the charges may be executed immediatelychanged. This means that a cash withdrawal or other debit transaction is immediately We will notify you of any changes as required by applicable law. The following fees and charges will be deducted from your account; there share draft account as applicable: • We do not charge for any Debit Card purchases at the present time • We do not charge for any ATM withdrawals at the present time • We do not charge for any POS transactions at the present time • We do not charge an annual card fee at this time • Replacement card fee of $5.00 • Replacement PIN (Personal Identification Number) fee of $2.50 • Non-sufficient funds fee of $33.00 (if overdraft protection plan is no "float" time and therefore there in place) • 1% Foreign Transaction Fee Tell us at once if you believe your card or any access code has been lost or stolen. Contacting us by phone is no effective the best way of stopping keeping your possible losses down. You could lose all the transactionmoney in your account. Under no circumstancesIf you tell us within two business days, however, will you be liable for can lose not more than $50 if someone uses your card without your permission. If you do not tell us within 2 two business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access codecard, and we can prove that we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receiptsAlso, keep a record of your transactions, and reconcile your receipts with your periodic statements. If if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 30 days after the statement was mailed to you, you may not get back any money you lost after the 60 30 days if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇ or write to Texas Tech Federal Credit Union, Box 41072, ▇▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇. Periodic Statements. Transfers and withdrawals made through any Debit Card transaction will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. Transaction Receipt. You will get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM, POS terminal, or Debit Card transaction with participating merchants. We will disclose information to third parties about your account or the transfers you make: • As necessary to complete transactions • To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant • To comply with government agency or court orders • If you provide written permission Our business days are Monday through Friday, excluding holidays.

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners including any authorized users, shall be bound by the terms and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is authorized to act for the others, and we may accept orders and instructions regarding any transaction on any account from any owner. We can refuse to follow conflicting instructions. Reversal of Transactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "“float" ” time and therefore there is no effective way of stopping the transaction. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You are liable for all transfers or purchases made via your card(s), access code(s) or passwords that you authorize or allow. If you give your card, access code, or password to someone else, you are responsible for all transfers or purchases that that person makes with your card or via the service that he or she accesses, even if that person uses the card or code in a way that you did not anticipate or intend. You may revoke your permission for the other person to use your card by notifying us in writing, and allowing us reasonable time to act on your notification. If you believe your card or access code has been lost or stolen, call: ▇▇▇-▇▇▇-▇▇▇▇ during normal business hours or write: Florida Credit Union, P.O. Box 5549, Gainesville, FL 32627. You should also call this number or write to this address if you believe a transfer has been made using the information from your check without your permission.

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners including any authorized users, shall be bound by the terms and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is authorized to act for the others, and we may accept orders and instructions regarding any transaction on any account from any owner. We can refuse to follow conflicting instructions. Reversal of Transactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "float" time and therefore there is no effective way of stopping the transaction. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You are liable for all transfers or purchases made via your card(s), access code(s) or passwords that you authorize or allow. If you give your card, access code, or password to someone else, you are responsible for all transfers or purchases that that person makes with your card or via the service that he or she accesses, even if that person uses the card or code in a way that you did not anticipate or intend. You may revoke your permission for the other person to use your card by notifying us in writing, and allowing us reasonable time to act on your notification. If you believe your card or access code has been lost or stolen, call: ▇▇▇.▇▇▇.▇▇▇▇ during normal business hours or write: Debit Card Services, P.O. Box 1365, Waynesboro, VA 22980. You should also call this number or write to this address if you believe a transfer has been made using the information from your check without your permission.

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners including any authorized users, shall be bound by the terms and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is authorized to act for the others, and we may accept orders and instructions regarding any transaction on any account from any owner. We can refuse to follow conflicting instructions. Reversal of Transactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "float" time and therefore there is no effective way of stopping the transaction. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed sent to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods.

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners including any authorized users, shall be bound by the terms and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is authorized to act for the others, and we may accept orders and instructions regarding any transaction on any account from any owner. We can refuse to follow conflicting instructions. Reversal of Transactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately may be deducted from your account; there is no "float" time and therefore there is no effective way of stopping the transaction. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods. You are liable for all transfers or purchases made via your card(s), access code(s) or passwords that you authorize or allow. If you give your card, access code, or password to someone else, you are responsible for all transfers or purchases that that person makes with your card or via the service that he or she accesses, even if that person uses the card or code in a way that you did not anticipate or intend. You may revoke your permission for the other person to use your card by notifying us in writing, and allowing us reasonable time to act on your notification.

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners including any authorized users, shall be bound by the terms and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is authorized to act for the others, and we may accept orders and instructions regarding any transaction on any account from any owner. We can refuse to follow conflicting instructions. Reversal of Transactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "float" time and therefore there is no effective way of stopping the transaction. Telephoning is the best way of keeping your possible losses down. If the unauthorized use occurs through no fault of your own, you will not be liable for such unauthorized use. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You are liable for all transfers or purchases made via your card(s), access code(s) or passwords that you authorize or allow. If you give your card, access code, or password to someone else, you are responsible for all transfers or purchases that that person makes with your card or via the service that they access, even if that person uses the card or code in a way that you did not anticipate or intend. You may revoke your permission for the other person to use your card by notifying us in writing, and allowing us reasonable time to act on your notification. If you believe your card or access code has been lost or stolen, call: ▇▇▇-▇▇▇-▇▇▇▇ during normal business hours or write: ▇▇▇▇ ▇. ▇▇▇▇ ▇▇▇., ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. You should also call this number or write to this address if you believe a transfer has been made using the information from your check without your permission.

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners including any authorized users, shall be bound by the terms and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is authorized to act for the others, and we may accept orders and instructions regarding any transaction on any account from any owner. We can refuse to follow conflicting instructions. Reversal of Transactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "“float" ” time and therefore there is no effective way of stopping the transaction. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen, call: ▇▇▇-▇▇▇-▇▇▇▇ during normal business hours or write: Florida Credit Union, P.O. Box 5549, Gainesville, FL 32627. You should also call this number or write to this address if you believe a transfer has been made using the information from your check without your permission. You are liable for all transfers or purchases made via your card(s), access code(s) or passwords that you authorize or allow. If you give your card, access code, or password to someone else, you are responsible for all transfers or purchases that that person makes with your card or via the service that he or she accesses, even if that person uses the card or code in a way that you did not anticipate or intend. You may revoke your permission for the other person to use your card by notifying us in writing, and allowing us reasonable time to act on your notification.

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners including any authorized users, shall be bound by the terms and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is authorized to act for the others, and we may accept orders and instructions regarding any transaction on any account from any owner. We can refuse to follow conflicting instructions. Reversal of Transactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "float" time and therefore there is no effective way of stopping the transaction. database. If at any time you wish to opt-out of the VAU service or if you have any questions, please call to do so. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods.

Joint Accounts. If any of your accounts accessed under this EFT Agreement are joint accounts, all joint owners including any authorized users, shall be bound by the terms and conditions of this EFT Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you shall jointly and severally shall be responsible for any and all transactions under this EFT Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is authorized to act for the others, and we may accept orders and instructions regarding any transaction on any account from any owner. We can refuse to follow conflicting instructions. Reversal of Transactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "float" time and therefore there is no effective way of stopping the transaction. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed provided to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will may extend the time periods.

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners owners, including any authorized users, shall be bound by the terms this Agreement and, alone and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permissiontogether, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all EFT transactions under this Agreement regardless of which owner accessed the accounts to or used the services. Each joint account holder is authorized to act for the others, and we may accept orders and instructions regarding any transaction on any account from any share and share draft or loan accounts as provided in this Agreement. The activation and/or termination of any EFT services requires written authorization from the primary account owner. Fees and Charges. There are charges for Electronic Funds Transfer Services. From time to time, the charges may be changed. We can refuse will notify you of any changes as required by applicable law. Please refer to follow conflicting instructionsthe current Rates and Fees Schedule. Reversal Member Liability. Tell us at once if you believe your Card or any access code has been lost or stolen. Telephoning is the best way of Transactionskeeping your possible losses down. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from could lose all the money in your account; there is no "float" time and therefore there is no effective way of stopping the transaction. Under no circumstances, however, will you be liable for more than $50 if If you tell us within 2 two (2) business days, you could lose not more than $50.00 if someone uses your Card without your permission, If you do not tell us within two (2) business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access codeCard, and we can prove that we could have stopped someone from using your card or access code Card without your permission if you had told us, you could lose as much as $500. Periodic Statements. Transfers and withdrawals made through any ATMs, Debit/Check Card transactions, POS purchases, audio response and internet banking transactions, preauthorized EFTs and other EFT Services transactions you make will be recorded on your periodic statement. You should always save will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. Terminal Receipt. You will get a receipt at the time you make any transaction (except inquiries) involving your terminal account using an ATM, POS terminal, or Debit/Check Card transaction with a participating merchant. Please note some proprietary ATMs may require you to request receipts, keep and may charge a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periodsfee.

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners including any authorized users, shall be bound by the terms and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is authorized to act for the others, and we may accept orders and instructions regarding any transaction on any account from any owner. We can refuse to follow conflicting instructions. Reversal of Transactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "“float" ” time and therefore there is no effective way of stopping the transaction. believe your ATM or Debit Card or any of your access codes have been lost or stolen, or if you believe that an electronic fund transfer has been made without your permission using information from your check. Telephoning is the best way of keeping your possible losses down. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card or access code has been lost or stolen, call: ▇▇▇-▇▇▇-▇▇▇▇ during normal business hours or write: Florida Credit Union, P.O. Box 5549, Gainesville, FL 32627. You should also call this number or write to this address if you believe a transfer has been made using the information from your check without your permission. You are liable for all transfers or purchases made via your card(s), access code(s) or passwords that you authorize or allow. If you give your card, access code, or password to someone else, you are responsible for all transfers or purchases that that person makes with your card or via the service that he or she accesses, even if that person uses the card or code in a way that you did not anticipate or intend. You may revoke your permission for the other person to use your card by notifying us in writing, and allowing us reasonable time to act on your notification. BUSINESS DAYS. For purposes of these disclosures, our business days are Monday through Saturday. Federal Holidays are not included. DISCLOSURE OF YOUR INFORMATION. We will disclose information to third parties about your account or the transfers you make: 1.# Where it is necessary for completing transfers;

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners owners, including any authorized users, shall be bound by the terms this Agreement and, alone and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permissiontogether, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for all MasterCard Debit Card transactions to or from any share and all transactions share draft or loan accounts as provided in this Agreement. Each joint owner, without the consent of any other account owner, may, and hereby is authorized by every other joint account owner, to make any transaction permitted under this Agreement regardless of which owner accessed the accounts or used the servicesAgreement. Each joint account holder owner is authorized to act for the othersother account owners, and we the credit union may accept orders and instructions regarding any MasterCard Debit Card transaction on any account from any joint account owner. There are certain fees and charges for MasterCard Debit Card services. From time to time, the charges may be changed. We can refuse to follow conflicting instructionswill notify you of any changes as required by applicable law. Reversal The following fees and charges will be deducted from your share draft account as applicable: • We do not charge for any Debit Card purchases at the present time • We do not charge for any ATM withdrawals at the present time • We do not charge for any POS transactions at the present time • We do not charge an annual card fee at this time • Replacement card fee of Transactions$5.00 • Replacement PIN (Personal Identification Number) fee of $2.50 • Non-sufficient funds fee of $33.00 (if overdraft protection plan is in place) • 1% Foreign Transaction Fee When you use an ATM not owned by us, you may be charged a fee by the ATM operator or network used. You may also be charged a fee for a balance inquiry, even if you do not reverse any transaction when using complete a funds transfer. Tell us at once if you believe your card to pay for goods or services any access code has been lost or stolen. Contacting us by transferring funds through a terminalphone is the best way of keeping your possible losses down. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from You could lose all the money in your account; there is no "float" time and therefore there is no effective way of stopping the transaction. Under no circumstancesIf you tell us within two business days, however, will you be liable for can lose not more than $50 if someone uses your card without your permission. If you do not tell us within 2 two business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access codecard, and we can prove that we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receiptsAlso, keep a record of your transactions, and reconcile your receipts with your periodic statements. If if your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking making the money transfers if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. If you believe your card has been lost or stolen or that someone has transferred or may transfer money from your account without your permission, call (▇▇▇) ▇▇▇-▇▇▇▇ or write to Texas Tech Federal Credit Union, Box 41072, Lubb▇▇▇, ▇▇ ▇▇▇▇▇-▇▇▇▇. Periodic Statements. Transfers and withdrawals made through any Debit Card transaction will be recorded on your periodic statement. You will receive a statement monthly unless there is no transaction in a particular month. In any case, you will receive a statement at least quarterly. Transaction Receipt. You will get a receipt at the time you make any transaction (except inquiries) involving your account using an ATM, POS terminal, or Debit Card transaction with participating merchants. We will disclose information to third parties about your account or the transfers you make: • As necessary to complete transactions • To verify the existence of sufficient funds to cover specific transactions upon the request of a third party, such as a credit bureau or merchant • To comply with government agency or court orders • If you provide written permission Our business days are Monday through Friday, excluding holidays.

Joint Accounts. If any of your accounts accessed under this Agreement are joint accounts, all joint owners including any authorized users, shall be bound by the terms and conditions of this Agreement. You understand and agree that any joint owner you authorize to use an access code may withdraw or transfer funds from any one of your accounts without your prior notice or permission, and we will not be liable to you in any way. Each of you jointly and severally shall be responsible for any and all transactions under this Agreement regardless of which owner accessed the accounts or used the services. Each joint account holder is authorized to act for the others, and we may accept orders and instructions regarding any transaction on any account from any owner. We can refuse to follow conflicting instructions. Reversal of Transactions. You may not reverse any transaction when using your card to pay for goods or services by transferring funds through a terminal. No Right to Stop-Payment for Terminal Transactions. Transfers made by terminal may be executed immediately. This means that a cash withdrawal or other debit transaction is immediately deducted from your account; there is no "float" time and therefore there is no effective way of stopping the transaction. If the unauthorized use occurs through no fault of your own, you will not be liable for such unauthorized use. Under no circumstances, however, will you be liable for more than $50 if you tell us within 2 business days after you learn of the loss or theft of your card or access code and someone used your card or access code without your permission. If you do NOT tell us within 2 business days after you learn of the loss or theft of your card or access code, and we can prove we could have stopped someone from using your card or access code without your permission if you had told us, you could lose as much as $500. You should always save your terminal receipts, keep a record of your transactions, and reconcile your receipts with your periodic statements. If your statement shows transfers that you did not make, including those made by card, code or other means, tell us at once. If you do not tell us within 60 days after the statement was mailed to you, you may not get back any money you lost after the 60 days if we can prove that we could have stopped someone from taking the money if you had told us in time. If a good reason (such as a long trip or a hospital stay) kept you from telling us, we will extend the time periods. You are liable for all transfers or purchases made via your card(s), access code(s) or passwords that you authorize or allow. If you give your card, access code, or password to someone else, you are responsible for all transfers or purchases that that person makes with your card or via the service that they accesses, even if that person uses the card or code in a way that you did not anticipate or intend. You may revoke your permission for the other person to use your card by notifying us in writing, and allowing us reasonable time to act on your notification. If you believe your card or access code has been lost or stolen, call: ▇▇▇-▇▇▇-▇▇▇▇ during normal business hours or write: ▇▇▇▇ ▇. ▇▇▇▇ ▇▇▇., ▇▇▇▇▇▇, ▇▇ ▇▇▇▇▇. You should also call this number or write to this address if you believe a transfer has been made using the information from your check without your permission.